Safe Rate Rankings

Best Conventional Mortgage Lenders in Rhode Island

Updated May 24, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders105

Total Loans10,225

Median Rate Spread0.22%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVIGANT CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$814Fees	0.345%Below	561
2	Leader Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$989Fees	0.039%Below	90
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$617Fees	0.522%Below	129
4	Fall River Five Cents Savings BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,535Fees	0.039%Above	83
5	The Washington Trust Company, of WesterlyBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,478Fees	0.197%Below	396
6	BAYCOAST MORTGAGE COMPANY, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Exceptional	$989Fees	0.041%Below	305
7	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,027Fees	0.022%Above	233
8	Centreville BankBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$854Fees	0.387%Below	199
9	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$732Fees	0.001%Below	99
10	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,063Fees	0.125%Below	89
11	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$768Fees	0.138%Below	32
12	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$215Fees	0.393%Below	31
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,958Fees	0.283%Above	592
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,108Fees	0.191%Above	343
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,089Fees	0.498%Above	200
16	COASTAL1 Credit UnionCredit Union	Strong	Strong	Sound	Sound	Exceptional	$783Fees	0.042%Below	175
17	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,402Fees	0.310%Above	170
18	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,646Fees	0.242%Above	106
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,234Fees	0.090%Above	103
20	WESTERLY COMMUNITYCredit Union	Strong	Exceptional	Acceptable	Sound	Strong	$1,091Fees	0.233%Below	49
21	Easthampton Savings BankBank	Strong	Strong	Strong	Strong	Sound	$680Fees	0.053%Above	34
22	Berkshire BankBank	Strong	Exceptional	Sound	Sound	Sound	$1,216Fees	0.198%Below	27
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,501Fees	0.334%Above	784
24	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,342Fees	0.568%Above	423
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,931Fees	0.550%Above	386
26	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,589Fees	0.309%Above	366
27	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,424Fees	0.045%Above	75
28	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,049Fees	0.090%Below	43
29	Bristol County Savings BankBank	Strong	Strong	Sound	Sound	Strong	$678Fees	0.042%Below	36
30	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Sound	$1,875Fees	0.119%Above	24
31	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,377Fees	0.442%Above	185
32	BankNewportBank	Strong	Sound	Sound	Sound	Exceptional	$1,202Fees	0.162%Above	168
33	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,623Fees	0.604%Above	156
34	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,410Fees	0.296%Above	138
35	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,822Fees	0.634%Above	112
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,200Fees	0.252%Above	94
37	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,049Fees	0.627%Above	82
38	Eastern BankBank	Strong	Strong	Sound	Sound	Sound	$1,391Fees	0.010%Below	31
39	NFM, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,361Fees	0.641%Above	522
40	PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company	Strong	Acceptable	Sound	Strong	Exceptional	$3,487Fees	0.458%Above	220
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,415Fees	0.422%Above	112
42	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,143Fees	0.417%Above	110
43	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$6,144Fees	0.655%Above	58
44	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,224Fees	0.431%Above	55
45	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$6,053Fees	0.437%Above	47
46	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,264Fees	0.559%Above	46
47	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,088Credit	0.614%Above	44
48	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$971Fees	0.255%Above	36
49	MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,341Fees	0.399%Above	150
50	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,821Fees	0.311%Above	83

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.