Mortgage Lenders and Brokers in Charlestown, Rhode Island
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Charlestown, Rhode Island mortgage lenders include The Washington Trust Company, of WesterlyThe Washington Trust Company, of Westerly4137 Old Post Rd, Charlestown, RI 02813A5.0 ★Texas Ratio: 7.00%, Westerly Community Credit UnionWesterly Community Credit Union2405 Nooseneck Hill Rd, Coventry, RI 02816A+5.0 ★Texas Ratio: 1.81%, Centreville BankCentreville Bank777 Tiogue Ave, Coventry, RI 02816A5.0 ★Texas Ratio: 10.15%, Bank of America NABank of America NA257 County Rd, Barrington, RI 02806A+5.0 ★Texas Ratio: 4.14%, Navigant Credit UnionNavigant Credit Union693 Broad St, Central Falls, RI 02863A+5.0 ★Texas Ratio: 3.30%, Coastal1 Credit UnionCoastal1 Credit Union576 Metacom Ave Ste 1, Bristol, RI 02809 5168A+5.0 ★Texas Ratio: 1.68%, Eastern BankEastern Bank1155 Reservoir Ave, Cranston, RI 02920A+5.0 ★Texas Ratio: 2.61%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA280 County Rd, Barrington, RI 02806A+5.0 ★Texas Ratio: 3.68%, Citizens Bank, NACitizens Bank, NA965 County Rd, Barrington, RI 02806A+5.0 ★Texas Ratio: 5.44%, and Beacon Bank & TrustBeacon Bank & Trust3 Coventry Shoppers Park, Coventry, RI 02816A+5.0 ★Texas Ratio: 5.36%. 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 Charlestown, Rhode Island in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Charlestown are listed first, then lenders elsewhere in Rhode Island, 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 Charlestown, Rhode Island
Market share is the lender's share of all home loans closed in Charlestown, 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. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Charlestown 4137 Old Post Rd, Charlestown, RI 02813 A5.0 ★Texas Ratio: 7.00% |
Conventional, Jumbo, HELOC | 16 +32 HELOCs |
11.6% | 94.1% | $423,125 | View |
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2405 Nooseneck Hill Rd, Coventry, RI 02816 A+5.0 ★Texas Ratio: 1.81% |
Conventional, HELOC | 4 +3 HELOCs |
2.9% | 100% | $172,500 | View |
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777 Tiogue Ave, Coventry, RI 02816 A5.0 ★Texas Ratio: 10.15% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
2.9% | 100% | $660,000 | View |
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257 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +5 HELOCs |
2.2% | 100% | $631,666 | View |
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693 Broad St, Central Falls, RI 02863 A+5.0 ★Texas Ratio: 3.30% |
Conventional, HELOC | 3 +5 HELOCs |
2.2% | 100% | $488,333 | View |
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576 Metacom Ave Ste 1, Bristol, RI 02809 5168 A+5.0 ★Texas Ratio: 1.68% |
Conventional, Jumbo, HELOC | 2 +5 HELOCs |
1.4% | 100% | $885,000 | View |
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1155 Reservoir Ave, Cranston, RI 02920 A+5.0 ★Texas Ratio: 2.61% |
Conventional, HELOC | 2 +1 HELOCs |
1.4% | 100% | $565,000 | View |
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280 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 1.4% | 100% | $755,000 | View |
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965 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +29 HELOCs |
0.7% | 100% | $815,000 | View |
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3 Coventry Shoppers Park, Coventry, RI 02816 A+5.0 ★Texas Ratio: 5.36% |
Conventional, HELOC | 1 +3 HELOCs |
0.7% | 100% | $325,000 | View |
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330 County Rd, Barrington, RI 02806 A5.0 ★Texas Ratio: 7.77% |
Conventional, HELOC | 1 +3 HELOCs |
0.7% | 100% | $245,000 | View |
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390 Metacom Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 2.65% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $385,000 | View |
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231 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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390 Metacom Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 2.65% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2669 Post Rd, Warwick, RI 02886 3039 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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601 Hope St, Bristol, RI 02809 A5.0 ★Texas Ratio: 12.75% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Embrace Home Loans, Inc.
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Conventional | 4 | 2.9% | 100% | $560,000 | |
Province Mortgage Associates, Inc.
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Conventional, VA | 2 | 1.4% | 66.7% | $425,000 | |
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A5.0 ★Texas Ratio: 7.00% |
Conventional, Jumbo | 2 | 1.4% | 100% | $825,000 | View |
Rocket Mortgage
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Conventional, Jumbo | 12 | 8.7% | 86.7% | $286,666 | |
Movement Mortgage, LLC
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Conventional, VA | 7 | 5.1% | 100% | $567,857 | |
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A5.0 ★Texas Ratio: 12.75% |
Conventional, Jumbo | 4 | 2.9% | 100% | $752,500 | View |
United Wholesale Mortgage
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Conventional | 4 | 2.9% | 50% | $390,000 | |
New American Funding, LLC.
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Conventional | 4 | 2.9% | 100% | $525,000 | |
loanDepot.com LLC
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Conventional, FHA, VA | 3 | 2.2% | 57.1% | $508,333 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 2.2% | 75% | $435,000 | |
Webster Bank, N.A.
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1.4% | 66.7% | $855,000 | |
Liberty Bank
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Conventional | 2 | 1.4% | 100% | $645,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 1.4% | 100% | $655,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 1.4% | 100% | $540,000 | |
Newrez LLC
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Conventional | 2 | 1.4% | 100% | $400,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 2 | 1.4% | 100% | $575,000 | |
Kind Lending, LLC
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Conventional, Jumbo | 2 | 1.4% | 100% | $940,000 | |
Nfm, Inc
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Conventional | 2 | 1.4% | 100% | $400,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 1.4% | 100% | $640,000 | |
Harborone Mortgage, LLC
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Conventional | 2 | 1.4% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 1.4% | 100% | $1,240,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 1.4% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 50% | $545,000 | View |
Alliant Credit Union
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Conventional, Jumbo | 1 | 0.7% | 100% | $935,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 1 | 0.7% | 100% | $1,725,000 | |
Nbkc Bank
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Conventional | 1 | 0.7% | 100% | $645,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.7% | 100% | $675,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 0.7% | 100% | $35,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.7% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.7% | 100% | $215,000 | View |
Das Acquisition Company, LLC
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Conventional | 1 | 0.7% | 100% | $625,000 | |
Bristol County Savings Bank
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Conventional, Jumbo | 1 | 0.7% | 100% | $1,045,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.7% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.61% |
Conventional | 1 | 0.7% | 100% | $505,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.7% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.7% | 100% | $505,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.7% | 100% | $695,000 | View |
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A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.7% | 100% | $325,000 | View |
New Fed Mortgage Corp.
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Conventional | 1 | 0.7% | 100% | $405,000 | |
Windsor Federal Bank
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Conventional | 1 | 0.7% | 100% | $245,000 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 1 | 0.7% | 100% | $1,145,000 | |
Farm Credit East ACA
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Conventional | 1 | 0.7% | 100% | $755,000 | |
Polish National Credit Union
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Conventional | 1 | 0.7% | 100% | $665,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.7% | 100% | $1,165,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.7% | 100% | $3,605,000 | View |
United Nations Federal CU
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Conventional, Jumbo | 1 | 0.7% | 100% | $1,145,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.7% | 100% | $695,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 50% | $65,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.7% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.7% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.7% | 100% | $745,000 | View |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A-5.0 ★Texas Ratio: 14.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Charlestown Mortgage Rate Trends
Daily average mortgage rates for Rhode Island compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Charlestown, Rhode Island
Looking for mortgage lenders near me or mortgage brokers near me in Charlestown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Charlestown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Charlestown, RI
Use these to narrow the list above. Each category shows how many Charlestown, RI lenders fit and what that kind of lender is usually best for.
Who Lends in Charlestown, RI
Independent mortgage companies closed 47.1 percent of home loans in Charlestown, Rhode Island in 2025, banks 42.8 percent and credit unions 10.1 percent. Embrace Home Loans, Inc. was the largest mortgage company, The Washington Trust Company, of Westerly the largest bank and Westerly Community Credit Union the largest credit union. Among lenders headquartered in Rhode Island, The Washington Trust Company, of Westerly led with 16 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 Lender Pages
Frequently Asked Questions About Mortgage Lenders in Charlestown, RI
By home loans closed in 2025, The Washington Trust Company, of Westerly was the largest mortgage lender in Charlestown, Rhode Island with 16 loans, about 11.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Charlestown, Rhode Island in 2025, led by loanDepot.com LLC with 1. 5 lenders closed VA loans, led by Province Mortgage Associates, Inc.. 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.
Yes. 34 banks and 9 credit unions closed home loans in Charlestown, Rhode Island in 2025, alongside 27 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.
Lenders are ranked only by the number of home loans they closed in Charlestown, 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 Charlestown, 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. City figures use the Census tracts that make up Charlestown. 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.
