# Best Conventional Mortgage Lenders in Rhode Island

**As of:** 2026-05-24

Compare the top Conventional mortgage lenders in Rhode Island. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/rhode-island/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 105
- **Total Loans:** 10,225
- **Median Rate Spread:** 0.21840384615384614%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NAVIGANT CREDIT UNION | 89 | 88 | 69 | 561 | Credit Union |
| 2 | Leader Bank, National Association | 89 | 84 | 80 | 90 | Bank |
| 3 | The Washington Trust Company, of Westerly | 85 | 75 | 64 | 396 | Bank |
| 4 | BAYCOAST MORTGAGE COMPANY, LLC | 85 | 77 | 71 | 305 | Independent Mortgage Company |
| 5 | U.S. Bank National Association | 85 | 75 | 69 | 99 | Bank |
| 6 | Bank of America, National Association | 85 | 71 | 67 | 89 | Bank |
| 7 | Fall River Five Cents Savings Bank | 85 | 85 | 64 | 83 | Bank |
| 8 | Citizens Bank, National Association | 83 | 70 | 59 | 233 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 129 | Credit Union |
| 10 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 592 | Independent Mortgage Company |
| 11 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 343 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 200 | Independent Mortgage Company |
| 13 | Northpointe Bank | 79 | 49 | 62 | 170 | Bank |
| 14 | HARBORONE MORTGAGE, LLC | 79 | 53 | 72 | 106 | Independent Mortgage Company |
| 15 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 103 | Bank |
| 16 | Centreville Bank | 77 | 85 | 57 | 199 | Bank |
| 17 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 784 | Independent Mortgage Company |
| 18 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 75 | 21 | 68 | 423 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 386 | Independent Mortgage Company |
| 20 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 366 | Independent Mortgage Company |
| 21 | Easthampton Savings Bank | 74 | 69 | 70 | 34 | Bank |
| 22 | COASTAL1 Credit Union | 73 | 79 | 60 | 175 | Credit Union |
| 23 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 75 | Independent Mortgage Company |
| 24 | NBKC BANK | 73 | 90 | 49 | 32 | Bank |
| 25 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 31 | Bank |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 185 | Independent Mortgage Company |
| 27 | TOTAL MORTGAGE SERVICES, LLC | 71 | 22 | 74 | 156 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 138 | Independent Mortgage Company |
| 29 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 112 | Independent Mortgage Company |
| 30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 94 | Independent Mortgage Company |
| 31 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 82 | Independent Mortgage Company |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 43 | Independent Mortgage Company |
| 33 | Bristol County Savings Bank | 69 | 67 | 56 | 36 | Bank |
| 34 | Colorado Federal Savings Bank | 69 | 72 | 50 | 24 | Bank |
| 35 | BankNewport | 68 | 58 | 49 | 168 | Bank |
| 36 | Berkshire Bank | 68 | 86 | 55 | 27 | Bank |
| 37 | HOMESPIRE MORTGAGE CORPORATION | 67 | 25 | 67 | 47 | Independent Mortgage Company |
| 38 | PROVINCE MORTGAGE ASSOCIATES, INC. | 66 | 32 | 63 | 220 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 112 | Independent Mortgage Company |
| 40 | NEWREZ LLC | 66 | 31 | 58 | 110 | Independent Mortgage Company |
| 41 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 55 | Independent Mortgage Company |
| 42 | WESTERLY COMMUNITY | 66 | 90 | 41 | 49 | Credit Union |
| 43 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 70 | 46 | Independent Mortgage Company |
| 44 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 29 | 63 | 44 | Independent Mortgage Company |
| 45 | TD Bank, National Association | 64 | 54 | 50 | 36 | Bank |
| 46 | Eastern Bank | 64 | 76 | 49 | 31 | Bank |
| 47 | NFM, INC. | 63 | 19 | 77 | 522 | Independent Mortgage Company |
| 48 | FIRST HOME MORTGAGE CORPORATION | 63 | 19 | 81 | 58 | Independent Mortgage Company |
| 49 | MORTGAGE EQUITY PARTNERS LLC | 63 | 28 | 58 | 150 | Independent Mortgage Company |
| 50 | EMBRACE HOME LOANS, INC. | 63 | 32 | 60 | 83 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Rhode Island.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.