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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Jumbo Mortgage Lenders in Rhode Island
Updated February 6, 2026
Market Overview
105
Total Lenders
10,225
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVIGANT CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $814 | -0.345% | 561 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $732 | -0.001% | 99 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,063 | -0.125% | 89 | |
4 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,027 | +0.022% | 233 | |
5 | Centreville Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $854 | -0.387% | 199 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $215 | -0.393% | 31 | |
7 | Berkshire Bank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,216 | -0.198% | 27 | |
8 | The Washington Trust Company, of Westerly | Exceptional | Strong | Strong | Strong | Exceptional | $1,478 | -0.197% | 396 | |
9 | COASTAL1 Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $783 | -0.042% | 175 | |
10 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,501 | +0.334% | 784 | |
11 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,931 | +0.550% | 386 | |
12 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Exceptional | $989 | -0.041% | 305 | |
13 | BankNewport | Strong | Sound | Strong | Strong | Exceptional | $1,202 | +0.162% | 168 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,234 | +0.090% | 103 | |
15 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | Sound | $680 | +0.053% | 34 | |
16 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $971 | +0.255% | 36 | |
17 | Webster Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,369 | +0.165% | 26 | |
18 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $2,646 | +0.242% | 106 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,200 | +0.252% | 94 | |
20 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | — | Strong | Strong | $3,341 | +0.399% | 150 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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