# Best Mortgage Companie Lenders in Rhode Island

**As of:** 2026-06-03

Compare the top mortgage companies offering mortgages in Rhode Island. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | BAYCOAST MORTGAGE COMPANY, LLC | 86 | 79 | 76 | 305 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 343 | Independent Mortgage Company |
| 3 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 784 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 592 | Independent Mortgage Company |
| 5 | NFM, INC. | 74 | 23 | 87 | 522 | Independent Mortgage Company |
| 6 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 386 | Independent Mortgage Company |
| 7 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 366 | Independent Mortgage Company |
| 8 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 200 | Independent Mortgage Company |
| 9 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 138 | Independent Mortgage Company |
| 10 | HARBORONE MORTGAGE, LLC | 73 | 52 | 72 | 106 | Independent Mortgage Company |
| 11 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 82 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 75 | Independent Mortgage Company |
| 13 | PROVINCE MORTGAGE ASSOCIATES, INC. | 68 | 29 | 74 | 220 | Independent Mortgage Company |
| 14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 94 | Independent Mortgage Company |
| 15 | HOMESPIRE MORTGAGE CORPORATION | 68 | 25 | 84 | 47 | Independent Mortgage Company |
| 16 | WASHINGTON TRUST MORTGAGE COMPANY LLC | 66 | 53 | 48 | 42 | Independent Mortgage Company |
| 17 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 185 | Independent Mortgage Company |
| 18 | MORTGAGE EQUITY PARTNERS LLC | 63 | 26 | 70 | 150 | Independent Mortgage Company |
| 19 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 112 | Independent Mortgage Company |
| 20 | Mortgage Research Center, LLC | 63 | 34 | 70 | 94 | Independent Mortgage Company |
| 21 | EMBRACE HOME LOANS, INC. | 63 | 31 | 74 | 83 | Independent Mortgage Company |
| 22 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 43 | Independent Mortgage Company |
| 23 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 112 | Independent Mortgage Company |
| 24 | NEWREZ LLC | 58 | 35 | 59 | 110 | Independent Mortgage Company |
| 25 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 55 | Independent Mortgage Company |
| 26 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 53 | Independent Mortgage Company |
| 27 | Sierra Pacific Mortgage Company, Inc. | 58 | 32 | 80 | 46 | Independent Mortgage Company |
| 28 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 44 | Independent Mortgage Company |
| 29 | NATIONS DIRECT MORTGAGE, LLC | 58 | 38 | 74 | 40 | Independent Mortgage Company |
| 30 | NORTHPOINT MORTGAGE, INC. | 58 | 36 | 73 | 32 | Independent Mortgage Company |
| 31 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 54 | 17 | 75 | 423 | Independent Mortgage Company |
| 32 | SEMPER HOME LOANS, INC | 54 | 12 | 77 | 252 | Independent Mortgage Company |
| 33 | TOTAL MORTGAGE SERVICES, LLC | 54 | 19 | 80 | 156 | Independent Mortgage Company |
| 34 | FIRST HOME MORTGAGE CORPORATION | 54 | 18 | 88 | 58 | Independent Mortgage Company |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 52 | 24 | 41 | 29 | Independent Mortgage Company |
| 36 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 50 | 17 | 79 | 71 | Independent Mortgage Company |
| 37 | Waterstone Mortgage Corporation | 50 | 15 | 80 | 58 | Independent Mortgage Company |
| 38 | RELIANCE FIRST CAPITAL, LLC | 49 | N/A | 96 | 26 | Independent Mortgage Company |
| 39 | ARC HOME LLC | 42 | 13 | 42 | 22 | Independent Mortgage Company |
| 40 | AMERISAVE MORTGAGE CORPORATION | 36 | 18 | 27 | 28 | 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.