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Mortgage Lenders and Brokers in Rhode Island

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Rhode Island mortgage lenders include Navigant Credit UnionNavigant Credit Union693 Broad St, Central Falls, RI 02863A+5.0 ★Texas Ratio: 3.30%, The Washington Trust Company, of WesterlyThe Washington Trust Company, of Westerly236 County Road, Barrington, RI 02806A5.0 ★Texas Ratio: 7.00%, Coastal1 Credit UnionCoastal1 Credit Union576 Metacom Ave Ste 1, Bristol, RI 02809 5168A+5.0 ★Texas Ratio: 1.68%, Citizens Bank, NACitizens Bank, NA965 County Rd, Barrington, RI 02806A+5.0 ★Texas Ratio: 5.44%, BankNewportBankNewport330 County Rd, Barrington, RI 02806A5.0 ★Texas Ratio: 7.77%, Shoreham BankShoreham Bank187 Wickenden St, Providence, RI 02903A5.0 ★Texas Ratio: 9.55%, Centreville BankCentreville Bank777 Tiogue Ave, Coventry, RI 02816A5.0 ★Texas Ratio: 10.15%, Rhode Island Credit UnionRhode Island Credit Union390 Metacom Ave, Bristol, RI 02809A+5.0 ★Texas Ratio: 2.65%, Greenwood Credit UnionGreenwood Credit Union2669 Post Rd, Warwick, RI 02886 3039A+5.0 ★Texas Ratio: 4.24%, and The People's Credit UnionThe People's Credit Union50 Gooding Ave, Bristol, RI 02809A+5.0 ★Texas Ratio: 4.51%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Rhode Island in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rhode Island are listed first, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Rhode Island

Market share is the lender's share of all home loans closed in Rhode Island. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Median loan is the midpoint loan amount the lender closed in the state.

Lender	Programs	Loans closed	Market share	Approval share	Median loan	View
Navigant Credit Union 693 Broad St, Central Falls, RI 02863 A+5.0 ★Texas Ratio: 3.30%	Conventional, Jumbo, HELOC	814 +998 HELOCs	5.2%	86.8%	$325,000	View
The Washington Trust Company, of Westerly 27 offices in RI 236 County Road, Barrington, RI 02806 A5.0 ★Texas Ratio: 7.00%	Conventional, FHA, VA, Jumbo, HELOC	583 +390 HELOCs	3.7%	86.3%	$315,000	View
Coastal1 Credit Union 576 Metacom Ave Ste 1, Bristol, RI 02809 5168 A+5.0 ★Texas Ratio: 1.68%	Conventional, Jumbo, HELOC	297 +1,010 HELOCs	1.9%	75.8%	$255,000	View
Citizens Bank, NA 51 offices in RI 965 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, VA, Jumbo, HELOC	245 +3,503 HELOCs	1.6%	84.9%	$345,000	View
BankNewport 19 offices in RI 330 County Rd, Barrington, RI 02806 A5.0 ★Texas Ratio: 7.77%	Conventional, FHA, Jumbo, HELOC	240 +335 HELOCs	1.5%	86.1%	$375,000	View
Shoreham Bank 187 Wickenden St, Providence, RI 02903 A5.0 ★Texas Ratio: 9.55%	Conventional, FHA, VA, Jumbo	193	1.2%	89.6%	$335,000	View
Centreville Bank 15 offices in RI 777 Tiogue Ave, Coventry, RI 02816 A5.0 ★Texas Ratio: 10.15%	Conventional, FHA, Jumbo, HELOC	192 +122 HELOCs	1.2%	88.8%	$345,000	View
Rhode Island Credit Union 390 Metacom Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	165 +120 HELOCs	1%	65%	$75,000	View
Greenwood Credit Union 2669 Post Rd, Warwick, RI 02886 3039 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	148 +152 HELOCs	0.9%	75.6%	$85,000	View
The People's Credit Union 50 Gooding Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 4.51%	Conventional	146	0.9%	77.7%	$175,000	View
Westerly Community Credit Union 2405 Nooseneck Hill Rd, Coventry, RI 02816 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	92 +250 HELOCs	0.6%	77.3%	$225,000	View
Ocean State Credit Union 2006 Nooseneck Hill Rd, Coventry, RI 02816 A5.0 ★Texas Ratio: 10.51%	Conventional, Jumbo	49	0.3%	81.7%	$85,000	View
Bank Rhode Island 390 Metacom Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 2.65%	Conventional, Jumbo, HELOC	32 +110 HELOCs	0.2%	74.4%	$405,000	View
Wave Federal Credit Union 480 Greenwich Ave, Warwick, RI 02886 1606 A+5.0 ★Texas Ratio: 3.78%	Conventional	29	0.2%	90.6%	$45,000	View
Blackstone River FCU 100 Old River Rd, Lincoln, RI 02865 A+5.0 ★Texas Ratio: 3.88%	Conventional	18	0.1%	100%	$55,000	View
Province Mortgage Associates, Inc.	Conventional, FHA, VA	282	1.8%	92.9%	$405,000
Semper Home Loans, Inc	Conventional, FHA, VA, Jumbo	212	1.3%	95.9%	$395,000
Embrace Home Loans, Inc.	Conventional, FHA, VA, Jumbo	99	0.6%	89.1%	$445,000
Washington Trust Mortgage Company LLC A5.0 ★Texas Ratio: 7.00%	Conventional, Jumbo	79	0.5%	98.8%	$405,000	View
Beeline Loans, Inc.	Conventional	6	0%	40%	$345,000
Fall River Five Cents Savings 2 offices in RI 590 Metacom Ave, Bristol, RI 02809 A5.0 ★Texas Ratio: 7.62%	Conventional, FHA, VA, Jumbo, HELOC	169 +62 HELOCs	1.1%	97.1%	$385,000	View
Bank of America NA 24 offices in RI 257 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	124 +297 HELOCs	0.8%	90.6%	$405,000	View
JPMorgan Chase Bank, NA 16 offices in RI 280 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, Jumbo, HELOC	120 +15 HELOCs	0.8%	88.6%	$455,000	View
TD Bank 9 offices in RI 231 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 3.71%	Conventional, FHA, Jumbo, HELOC	42 +74 HELOCs	0.3%	66.7%	$505,000	View
Milford Federal Bank 1 office in RI 2020 Diamond Hill Rd, Woonsocket, RI 02895 A+5.0 ★Texas Ratio: 3.12%	Conventional	33	0.2%	76.7%	$165,000	View
Beacon Bank & Trust 24 offices in RI 3 Coventry Shoppers Park, Coventry, RI 02816 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo, HELOC	32 +77 HELOCs	0.2%	88.9%	$415,000	View
Eastern Bank 8 offices in RI 1155 Reservoir Ave, Cranston, RI 02920 A+5.0 ★Texas Ratio: 2.61%	Conventional, FHA, Jumbo, HELOC	14 +23 HELOCs	0.1%	100%	$595,000	View
Baycoast Bank 7 offices in RI 601 Hope St, Bristol, RI 02809 A5.0 ★Texas Ratio: 12.75%	Conventional, HELOC	11 +142 HELOCs	0.1%	77.8%	$55,000	View
Dime Bank 1 office in RI 131 Franklin St, Westerly, RI 02891 A+5.0 ★Texas Ratio: 1.37%	Conventional, Jumbo	9	0.1%	71.4%	$305,000	View
Rockland Trust Bank 1 office in RI A+5.0 ★Texas Ratio: 2.64%	Conventional, FHA, VA, Jumbo, HELOC	18 +12 HELOCs	0.1%	85.7%	$325,000	View
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	1,015 +1 HELOCs	6.4%	78.8%	$245,000
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	979 +9 HELOCs	6.2%	97.1%	$395,000
Primary Residential Mortgage, INC.	Conventional, FHA, VA, Jumbo	684	4.3%	88.5%	$345,000
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	541 +32 HELOCs	3.4%	90.4%	$365,000
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	511	3.2%	96.4%	$355,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	469 +20 HELOCs	3%	80.6%	$395,000
Nfm, Inc	Conventional, FHA, VA, Jumbo	419	2.7%	97.9%	$435,000
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	377 +20 HELOCs	2.4%	74.5%	$295,000
Baycoast Mortgage Company, LLC A5.0 ★Texas Ratio: 12.75%	Conventional, FHA, VA, Jumbo	368	2.3%	96.3%	$475,000	View
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA, Jumbo	327	2.1%	94.5%	$405,000
Newrez LLC	Conventional, FHA, VA, Jumbo	241	1.5%	66.8%	$345,000
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	240	1.5%	79.6%	$315,000
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	210	1.3%	84.7%	$375,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	201 +7 HELOCs	1.3%	91.8%	$395,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	185 +104 HELOCs	1.2%	80.9%	$385,000
Nationstar Mortgage	Conventional, FHA, VA, Jumbo	182	1.2%	83.6%	$185,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA, Jumbo, HELOC	180 +6 HELOCs	1.1%	91%	$395,000	View
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	176 +4 HELOCs	1.1%	95.3%	$385,000
Mortgage Research Center	Conventional, FHA, VA, Jumbo	176	1.1%	68.5%	$425,000
New American Funding, LLC.	Conventional, FHA, VA, Jumbo, HELOC	169 +5 HELOCs	1.1%	85%	$365,000
Harborone Mortgage, LLC	Conventional, FHA, VA, Jumbo	148	0.9%	94.3%	$375,000
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	146	0.9%	97.3%	$405,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	138 +16 HELOCs	0.9%	85.9%	$455,000	View
Total Mortgage Services, LLC	Conventional, FHA, VA, Jumbo, HELOC	138 +9 HELOCs	0.9%	96.6%	$385,000
Mortgage Equity Partners LLC	Conventional, FHA, Jumbo	137	0.9%	97.9%	$445,000
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, HELOC	114 +1 HELOCs	0.7%	90.5%	$375,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA, VA, Jumbo, HELOC	96 +7 HELOCs	0.6%	98%	$405,000	View
Amerisave Mortgage Company	Conventional, FHA, VA, Jumbo, HELOC	94 +1 HELOCs	0.6%	33.1%	$115,000
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo, HELOC	92 +1 HELOCs	0.6%	92%	$405,000
Mutual of Omaha Mortgage	Conventional, FHA, VA, HELOC	68 +2 HELOCs	0.4%	58.5%	$335,000
Primelending	Conventional, FHA, VA, Jumbo	67	0.4%	88.3%	$415,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	67	0.4%	49.5%	$275,000
Waterstone Mortgage Corporation	Conventional, FHA, VA, Jumbo	65	0.4%	89%	$435,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA	64	0.4%	71.9%	$155,000	View
Bristol County Savings Bank	Conventional, Jumbo	58	0.4%	84.3%	$365,000
First Home Mortgage	Conventional, FHA, VA	57	0.4%	77.6%	$405,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	56	0.4%	40.9%	$295,000
Spring Eq, LLC	Conventional, HELOC	54 +48 HELOCs	0.3%	33.5%	$75,000
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA, Jumbo	54	0.3%	75%	$335,000	View
Webster Bank, N.A.	Conventional, Jumbo, HELOC	49 +49 HELOCs	0.3%	77.6%	$325,000
Nations Direct Mortgage, LLC	Conventional, FHA	47	0.3%	70.1%	$385,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	44	0.3%	83%	$355,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	42 +3 HELOCs	0.3%	93.5%	$755,000	View
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	42	0.3%	95.5%	$385,000	View
Radius Financial Group Inc	Conventional, FHA, Jumbo	42	0.3%	97.7%	$395,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA, Jumbo	37	0.2%	97.4%	$435,000	View
Somerset Federal Credit Union	Conventional, HELOC	32 +2 HELOCs	0.2%	74.4%	$105,000
Nbkc Bank	Conventional, VA	32	0.2%	91.4%	$445,000
American Financial Resources LLC	Conventional, FHA, VA	31	0.2%	96.9%	$455,000
Sage Home Loans Corporation	Conventional, VA	31	0.2%	88.4%	$455,000
EMM Loans LLC	Conventional, FHA, VA	30	0.2%	96.9%	$405,000
New Fed Mortgage Corp.	Conventional, FHA, VA	29	0.2%	100%	$405,000
Bankesb	Conventional, FHA, VA, Jumbo, HELOC	28 +15 HELOCs	0.2%	100%	$415,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA, Jumbo	28	0.2%	86.1%	$355,000	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	28	0.2%	63.6%	$385,000	View
Envoy Mortgage, Ltd	Conventional, FHA, VA	27	0.2%	96.4%	$375,000
JMAC Lending, Inc.	Conventional, FHA	26	0.2%	89.7%	$435,000
Fall River Municipal Credit Un	Conventional, HELOC	25 +1 HELOCs	0.2%	79.5%	$105,000
Arc Home LLC	Conventional, Jumbo	25	0.2%	73.5%	$505,000
First Community Mortgage, Inc.	Conventional, FHA, VA	25	0.2%	92.9%	$385,000
T2 Financial LLC	Conventional, FHA, VA, Jumbo	25	0.2%	93.5%	$385,000
Discover Bank	Conventional	24	0.2%	13.3%	$55,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	23	0.1%	79.3%	$425,000	View
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional, Jumbo, HELOC	22 +23 HELOCs	0.1%	92%	$435,000	View
Village Capital & Investment	FHA, VA	22	0.1%	74.4%	$405,000
Better Mortgage Corporation	Conventional, FHA, HELOC	21 +15 HELOCs	0.1%	64.7%	$155,000
Digital Federal Credit Union	Conventional, HELOC	21 +14 HELOCs	0.1%	53.8%	$85,000
PHH Mortgage Corporation	Conventional, FHA, VA	21	0.1%	84.6%	$375,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	19 +1 HELOCs	0.1%	95%	$895,000	View
Securitynational Mortgage Company	Conventional, FHA, VA	19	0.1%	82.6%	$325,000
Charter Oak Federal Credit Union	Conventional, Jumbo, HELOC	18 +5 HELOCs	0.1%	85.7%	$115,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, VA, Jumbo	18	0.1%	90%	$385,000	View
Prosperity Home Mortgage, LLC	Conventional, FHA, VA, Jumbo	18	0.1%	85.7%	$375,000
St. Anne'S Credit Union of Fal	Conventional, HELOC	16 +10 HELOCs	0.1%	80%	$165,000
Churchill Mortgage Corporation	Conventional, FHA	16	0.1%	100%	$335,000
Reliance First Capital, LLC	Conventional, FHA	16	0.1%	94.1%	$255,000
Salem Five Mortgage Company LLC	Conventional, FHA, VA, Jumbo	15	0.1%	100%	$455,000
AmeriHome Mortgage Company, LLC	FHA	14	0.1%	93.8%	$345,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	14	0.1%	93.3%	$805,000	View
Union Home Mortgage Corp.	Conventional, FHA, HELOC	13 +1 HELOCs	0.1%	93.3%	$385,000
AmWest Funding Corp	Conventional	13	0.1%	100%	$345,000
Summit Funding.Inc	Conventional, FHA, VA	13	0.1%	56.5%	$385,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	12 +2 HELOCs	0.1%	75%	$1,005,000	View
American Financial Network, Inc.	Conventional, FHA, Jumbo	12	0.1%	66.7%	$355,000
Cardinal Financial Company, Li	Conventional, FHA	12	0.1%	94.1%	$265,000
Liberty Bank	Conventional, Jumbo, HELOC	11 +2 HELOCs	0.1%	100%	$605,000
Equity Prime Mortgage LLC	Conventional, FHA, VA	11	0.1%	73.3%	$325,000
Kind Lending, LLC	Conventional, FHA, Jumbo	11	0.1%	84.6%	$425,000
Chelsea Groton Bank A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo	11	0.1%	100%	$385,000	View
Towne Mortgage Company	Conventional, FHA	11	0.1%	92.3%	$435,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA	11	0.1%	91.7%	$415,000	View
Texana Bank	Conventional, FHA, VA	11	0.1%	68.8%	$335,000
Champions Funding, LLC	Conventional, Jumbo	11	0.1%	73.3%	$365,000
Unibank For Savings A+5.0 ★Texas Ratio: 5.57%	Conventional, HELOC	10 +3 HELOCs	0.1%	84.6%	$305,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA	10	0.1%	90.9%	$345,000	View
Dean Cooperative Bank	Conventional	10	0.1%	64.7%	$95,000
Planet Home Lending, LLC	FHA, VA	10	0.1%	58.8%	$305,000
United Nations Federal CU	Conventional, Jumbo	10	0.1%	90.9%	$385,000
Nexera Holding LLC	Conventional	10	0.1%	90.9%	$295,000
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	9 +48 HELOCs	0.1%	81.8%	$495,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, Jumbo, HELOC	9 +30 HELOCs	0.1%	75%	$305,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	9	0.1%	100%	$305,000	View
Guidance Residential, LLC	Conventional	9	0.1%	100%	$515,000
Network Funding, L.P.	Conventional, FHA, VA	9	0.1%	100%	$365,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA	9	0.1%	75%	$385,000
Alliant Credit Union	Conventional, Jumbo	8	0.1%	100%	$815,000
Direct Federal Credit Union	Conventional	8	0.1%	50%	$135,000
Sharon & Crescent United Credit Union	Conventional	8	0.1%	71.4%	$105,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional, VA	8	0.1%	100%	$495,000	View
First Colony Mortgage Corporat	Conventional, FHA, VA	8	0.1%	90%	$355,000
Lendsure Mortgage Corp.	Conventional	8	0.1%	100%	$325,000
Cornerstone Bank A+5.0 ★Texas Ratio: 2.94%	Conventional	8	0.1%	88.9%	$245,000	View
American Pacific Mortgage Corporation	Conventional, FHA, VA	8	0.1%	80%	$305,000
Zillow Home Loans, LLC	Conventional, FHA	8	0.1%	88.9%	$375,000
Pentagon Federal Credit Union	Conventional, FHA, VA, HELOC	7 +17 HELOCs	0%	53.8%	$415,000
Everett Financial, Inc.	Conventional, FHA, VA, HELOC	7 +2 HELOCs	0%	63.6%	$495,000
Harvard Federal Credit Union	Conventional, HELOC	7 +2 HELOCs	0%	100%	$265,000
Amerant Mortgage LLC	Conventional, FHA, VA	7	0%	100%	$415,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA, VA	7	0%	100%	$365,000	View
Das Acquisition Company, LLC	Conventional, FHA	7	0%	70%	$355,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	7	0%	100%	$535,000	View
Nations Lending Corporation	Conventional, FHA	7	0%	87.5%	$285,000
Geneva Financial LLC	Conventional, FHA, VA	7	0%	100%	$325,000
Hometown Equity Mortgage, LLC	Conventional, FHA	7	0%	38.9%	$375,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	7	0%	77.8%	$485,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA, VA	7	0%	100%	$355,000	View
Rockland Federal Credit Union A+5.0 ★Texas Ratio: 2.64%	Conventional, HELOC	6 +4 HELOCs	0%	80%	$335,000	View
Bank of Canton A+5.0 ★Texas Ratio: 4.22%	Conventional, Jumbo	6	0%	100%	$305,000	View
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	6	0%	100%	$2,005,000	View
United Trust Bank	VA	6	0%	100%	$355,000
Deephaven Mortgage LLC	Conventional	6	0%	85.7%	$225,000
Nqm Funding, LLC	Conventional	6	0%	100%	$355,000
American Financing Corporation	Conventional, FHA	6	0%	26.7%	$305,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	Conventional, VA, Jumbo	6	0%	85.7%	$505,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	6	0%	100%	$505,000	View
Scient Federal Credit Union	Conventional	6	0%	100%	$55,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	6	0%	85.7%	$655,000	View
Members Mortgage Company Inc	Conventional	6	0%	80%	$355,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	6	0%	85.7%	$285,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA	6	0%	100%	$495,000
Allied Mortgage Group, Inc	Conventional, FHA, HELOC	5 +2 HELOCs	0%	100%	$265,000
Mission Loans, LLC	Conventional, FHA, HELOC	5 +2 HELOCs	0%	83.3%	$205,000
PeoplesBank A+5.0 ★Texas Ratio: 5.27%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0%	83.3%	$355,000	View
Genisys Credit Union	Conventional, Jumbo	5	0%	100%	$895,000
Bluestone Bank A5.0 ★Texas Ratio: 9.41%	Conventional, Jumbo	5	0%	62.5%	$365,000	View
Mortgage Markets CUSO, LLC	Conventional	5	0%	100%	$505,000
William Raveis Mortgage, LLC	Conventional, FHA	5	0%	83.3%	$355,000
Service Federal Credit Union	Conventional, VA	5	0%	83.3%	$95,000
Calcon Mutual Mortgage LLC	Conventional, FHA	5	0%	100%	$405,000
First Ciitizens Bank and Trust A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo	5	0%	100%	$1,005,000	View
Avidia Bank A+5.0 ★Texas Ratio: 3.70%	Conventional, Jumbo	5	0%	100%	$325,000	View
RoundPoint Mortgage Servicing LLC	Conventional	5	0%	100%	$345,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	5	0%	100%	$365,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	5	0%	85.7%	$395,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	4 +2 HELOCs	0%	44.4%	$365,000	View
Equity Resources Inc	Conventional	4	0%	80%	$415,000
Cornerstone First Mortgage, LLC	Conventional, VA	4	0%	100%	$365,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	4	0%	100%	$595,000	View
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	4	0%	100%	$475,000	View
Lakeview Community Capital	Conventional, FHA, VA	4	0%	100%	$405,000
Sun West Mortgage Company, Inc	Conventional, FHA, VA	4	0%	100%	$385,000
Bay Equity LLC	Conventional, FHA	4	0%	100%	$365,000
SIRVA Mortgage, Inc.	Conventional, Jumbo	4	0%	100%	$625,000
American Internet Mortgage, Inc.	Conventional	4	0%	66.7%	$445,000
Taunton Federal Credit Union A+5.0 ★Texas Ratio: 4.22%	Conventional	4	0%	100%	$325,000	View
The Loan Store, Inc	Conventional, Jumbo	4	0%	100%	$475,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	4	0%	80%	$455,000
Wrentham Cooperative Bank	Conventional, Jumbo	4	0%	100%	$385,000
Quorum Federal Credit Union	Conventional, HELOC	3 +26 HELOCs	0%	100%	$105,000
Valon Mortgage	Conventional, HELOC	3 +20 HELOCs	0%	42.9%	$195,000
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0%	100%	$1,245,000	View
Stonehambank - A Co-Operative A+5.0 ★Texas Ratio: 3.27%	Conventional	3	0%	100%	$345,000	View
Msa Mortgage, LLC	Conventional, FHA	3	0%	100%	$345,000
General Mortgage Capital Corporation	Conventional	3	0%	100%	$305,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0%	33.3%	$645,000
Mechanics Cooperative Bank A+5.0 ★Texas Ratio: 0.21%	Conventional, Jumbo	3	0%	71.4%	$1,285,000	View
Click n' Close, Inc.	Conventional, FHA	3	0%	100%	$375,000
East Coast Capital Corp.	Conventional, FHA, Jumbo	3	0%	75%	$395,000
CorePlus Federal Credit Union	Conventional	3	0%	100%	$95,000
Real Genius LLC	Conventional	3	0%	100%	$455,000
Webster Five Cents Savings Bank	Conventional	3	0%	100%	$235,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	3	0%	60%	$145,000	View
Mortgage Solutions of Colorado	FHA	3	0%	75%	$285,000
Keystone Funding, Inc	Conventional	3	0%	80%	$365,000
CIBM Bank A5.0 ★Texas Ratio: 8.91%	Conventional, FHA	3	0%	100%	$435,000	View
Tremont Credit Union	Conventional	3	0%	100%	$345,000
Gfa Federal Credit Union	Conventional	3	0%	100%	$405,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	3	0%	75%	$305,000	View
Dedham Institution For Savings	Conventional	3	0%	100%	$675,000
Fourleaf Federal Credit Union	Conventional, HELOC	2 +7 HELOCs	0%	100%	$285,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0%	50%	$425,000	View
Baxter Credit Union	Conventional, Jumbo, HELOC	2 +1 HELOCs	0%	100%	$245,000
Polaris Home Funding Corp.	FHA	2	0%	50%	$235,000
Hartford Funding, Ltd.	Conventional, FHA	2	0%	100%	$445,000
American Airlines Federal Cred	Conventional	2	0%	100%	$355,000
Greenstate Credit Union	Conventional	2	0%	100%	$605,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, VA	2	0%	100%	$235,000	View
Contour Mortgage Corporation	Conventional, Jumbo	2	0%	66.7%	$385,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional, Jumbo	2	0%	100%	$735,000	View
Ascend Bank A+5.0 ★Texas Ratio: 3.87%	Conventional	2	0%	100%	$435,000	View
Reliant Home Funding, Inc	Conventional, FHA	2	0%	100%	$655,000
Synergy One Lending, Inc.	Conventional	2	0%	100%	$405,000
Data Mortgage, Inc	FHA	2	0%	100%	$95,000
Assurance Financial Group, L.L.C.	Conventional, VA	2	0%	66.7%	$435,000
Webster First Federal Credit Union	Conventional	2	0%	100%	$35,000
NJ Lenders Corp	Conventional	2	0%	100%	$205,000
Alltrust Credit Union	Conventional	2	0%	100%	$35,000
Oceanside Mortgage Company	FHA	2	0%	100%	$265,000
American Heritage Lending, LLC	Conventional	2	0%	100%	$305,000
SouthCoast FCU	Conventional	2	0%	100%	$15,000
Bank of Easton A+5.0 ★Texas Ratio: 2.61%	Conventional	2	0%	100%	$505,000	View
Axos Bank A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	2	0%	100%	$655,000	View
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional	2	0%	100%	$615,000	View
Wings Financial Credit Union	Conventional	2	0%	100%	$455,000
Interstate Home Loan Center, Inc.	Conventional, FHA	2	0%	100%	$385,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	2	0%	100%	$255,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0%	100%	$325,000	View
Jewett City Savings Bank	Conventional	2	0%	66.7%	$205,000
Farm Credit East ACA	Conventional	2	0%	100%	$695,000
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	2	0%	66.7%	$525,000	View
Lower, LLC	Conventional, VA	2	0%	100%	$695,000
Needham Bank A+5.0 ★Texas Ratio: 3.41%	Conventional, Jumbo	2	0%	100%	$865,000	View
Drew Mortgage Associates, Inc	Conventional, FHA	2	0%	100%	$305,000
Toyota Financial Savings Bank	Conventional, Jumbo	2	0%	100%	$305,000
Northwest Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$155,000
Westport Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$105,000
Central One Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$105,000
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$175,000	View
United Bank Va A+5.0 ★Texas Ratio: 2.15%	Conventional, Jumbo	1	0%	100%	$1,215,000	View
Sheri Motola	Conventional	1	0%	50%	$135,000
CIBC Bank USA A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	1	0%	100%	$2,285,000	View
Ross Mortgage Company	Conventional	1	0%	50%	$345,000
Meridian Bank C3.9 ★Texas Ratio: 27.97%	VA	1	0%	100%	$775,000	View
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional, Jumbo	1	0%	100%	$2,325,000	View
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	FHA	1	0%	100%	$15,000	View
SWBC Mortgage Corporation	Conventional	1	0%	100%	$565,000
Farmers Insurance Federal Credit Union	Conventional	1	0%	50%	$175,000
Norwich Commercial Group Inc	VA	1	0%	50%	$805,000
Regions Bank A+5.0 ★Texas Ratio: 4.37%	Conventional	1	0%	100%	$165,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$265,000	View
Princeton Mortgage Corporation	Conventional	1	0%	100%	$295,000
Bridgeway Lending Partners, LLC	Conventional	1	0%	50%	$195,000
Homestead Funding Corp.	Conventional	1	0%	100%	$375,000
Success Mortgage Partners, Inc	VA	1	0%	100%	$355,000
Bayshore Mortgage Funding	FHA	1	0%	100%	$405,000
First Alliance Home Mortgage, LLC	FHA	1	0%	100%	$325,000
Intercap Lending Inc	FHA	1	0%	100%	$475,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$275,000
Millbury Federal Credit Union	Conventional	1	0%	100%	$675,000
Network Capital Funding Corporation	Conventional	1	0%	100%	$105,000
First World Mortgage Corporaton	Conventional	1	0%	100%	$285,000
North Easton Savings Bank A5.0 ★Texas Ratio: 10.31%	Conventional	1	0%	100%	$245,000	View
All One Credit Union	Conventional	1	0%	100%	$335,000
Brightbridge Credit Union	Conventional	1	0%	100%	$315,000
Ameritrust Mortgage Corporation	Conventional	1	0%	100%	$635,000
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional, Jumbo	1	0%	100%	$915,000	View
All In Credit Union	Conventional	1	0%	100%	$155,000
Capital Bank, N.A. A-5.0 ★Texas Ratio: 15.49%	VA	1	0%	100%	$475,000	View
East Cambridge Savings Bank A+5.0 ★Texas Ratio: 1.72%	Conventional	1	0%	100%	$165,000	View
UNMB Home Loans Inc	FHA	1	0%	100%	$405,000
Savers Cooperative Bank	Conventional	1	0%	100%	$385,000
Energy Credit Union	Conventional	1	0%	100%	$125,000
Liberty Bay Credit Union	Conventional	1	0%	100%	$135,000
Union Bank A-4.8 ★Texas Ratio: 14.30%	Conventional	1	0%	100%	$455,000	View
FineMark National Bank & Trust	Conventional, Jumbo	1	0%	100%	$1,485,000
OneLocal Bank A+5.0 ★Texas Ratio: 1.33%	Conventional, Jumbo	1	0%	100%	$905,000	View
1St Summit Bank A+5.0 ★Texas Ratio: 3.83%	Conventional	1	0%	100%	$455,000	View
Ithink Financial Credit Union	Conventional	1	0%	100%	$75,000
Communityamerica Federal Credit Union	Conventional	1	0%	100%	$545,000
Affinity Federal Credit Union	Conventional	1	0%	50%	$285,000
Evolve Bank & Trust	Conventional	1	0%	100%	$285,000
GuardHill Financial LLC	Conventional, Jumbo	1	0%	100%	$1,295,000
Windsor Federal Bank	Conventional	1	0%	100%	$245,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0%	50%	$275,000	View
Tjc Mortgage Inc	Conventional	1	0%	100%	$455,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	50%	$295,000	View
Alden Credit Union	Conventional	1	0%	100%	$405,000
RiverWorks Credit Union	Conventional	1	0%	100%	$425,000
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	1	0%	100%	$1,425,000	View
Polish National Credit Union	Conventional	1	0%	100%	$665,000
1St Advantage Federal Credit U	Conventional, Jumbo	1	0%	50%	$1,175,000
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0%	100%	$355,000	View
First Central Savings Bank	Conventional	1	0%	100%	$465,000
Finex Credit Union	Conventional	1	0%	100%	$695,000
Luxury Mortgage Corp.	Conventional	1	0%	100%	$505,000
Old Second National Bank A5.0 ★Texas Ratio: 6.17%	Conventional	1	0%	100%	$185,000	View
Cake Mortgage Corp.	Conventional	1	0%	100%	$305,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0%	100%	$665,000	View
Star One Credit Union	Conventional	1	0%	100%	$385,000
Figure Lending LLC	HELOC	0 +80 HELOCs	0%	n/a
Harborone Bank	HELOC	0 +68 HELOCs	0%	n/a
Hanscom Federal Credit Union	HELOC	0 +10 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Tower Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
Usalliance Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	HELOC	0 +3 HELOCs	0%	n/a		View
Salem Five Cents Savings Bank A+5.0 ★Texas Ratio: 3.29%	HELOC	0 +2 HELOCs	0%	n/a		View
First Savings Bank	HELOC	0 +2 HELOCs	0%	n/a
State Departmenet Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Signature Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	HELOC	0 +1 HELOCs	0%	n/a		View
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Bank Fund Staff Federal Credit	HELOC	0 +1 HELOCs	0%	n/a
MassMutual FCU	HELOC	0 +1 HELOCs	0%	0%
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Ussfcu	HELOC	0 +1 HELOCs	0%	n/a
Umb Bank NA A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Rhode Island Mortgage Rate Trends

Daily average mortgage rates for Rhode Island compared with the national average, updated every evening.

30-Year Fixed RI Avg

7.346%

▲ 0.100 vs 7 days ago

15-Year Fixed RI Avg

6.853%

▲ 0.077 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Rhode Island

Looking for mortgage lenders near me or mortgage brokers near me in Rhode Island? Choose your city below to see the banks, credit unions and mortgage brokers that closed home loans there in 2025.

Types of Mortgage Lenders in Rhode Island

Use these to narrow the list above. Each category shows how many Rhode Island lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 142 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 126 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 69 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 130 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 99 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 114 lenders. Loans above the conforming limit for higher priced homes Local lenders based in RI 20 lenders headquartered in Rhode Island, the closest thing to a mortgage lender near you

Who Lends in Rhode Island

Independent mortgage companies closed 60.4 percent of home loans in Rhode Island in 2025, banks 25.7 percent and credit unions 13.9 percent. Province Mortgage Associates, Inc. was the largest mortgage company, The Washington Trust Company, of Westerly the largest bank and Navigant Credit Union the largest credit union. Among lenders headquartered in Rhode Island, Navigant Credit Union led with 814 loans.

60.4%

Mortgage companies

25.7%

Banks

13.9%

Credit unions

18%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Attorneys customarily handle closings in Rhode Island. Real estate conveyance tax of $3.75 per $500 of price (0.75 percent), raised from $2.30 per $500 effective 2026, plus a second tier of another $3.75 per $500 on the portion of a residential sale above an indexed threshold ($824,000 for 2026), paid by the seller; no mortgage recording tax.

More Rhode Island Mortgage Lenders and Brokers

Each city page ranks the lenders that closed loans inside that city and flags lenders based there. Every city with home loans closed there in 2025 is listed.

Frequently Asked Questions About Mortgage Lenders in Rhode Island

Who is the largest mortgage lender in Rhode Island?

By home loans closed in 2025, Navigant Credit Union was the largest mortgage lender in Rhode Island with 814 loans, about 5.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Rhode Island have the highest approval rates?

Among lenders with meaningful volume in Rhode Island, Washington Trust Mortgage Company LLC approved the highest share of completed applications in 2025 at 98.8 percent, against a 83.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Rhode Island mortgage lenders offer FHA, VA and USDA loans?

130 lenders closed FHA loans in Rhode Island in 2025, led by Primary Residential Mortgage, INC. with 266. 99 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Rhode Island lender list?

Yes. 126 banks and 69 credit unions closed home loans in Rhode Island in 2025, alongside 142 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Rhode Island ranked on this page?

Lenders are ranked only by the number of home loans they closed in Rhode Island during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Rhode Island for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.