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Mortgage Lenders and Brokers in Cranston, Rhode Island

Content reviewed by

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

Cranston, Rhode Island mortgage lenders include The Washington Trust Company, of WesterlyThe Washington Trust Company, of Westerly645 Reservoir Ave, Cranston, RI 02910A5.0 ★Texas Ratio: 7.00%, Citizens Bank, NACitizens Bank, NA204 Garfield Ave, Cranston, RI 02920A+5.0 ★Texas Ratio: 5.44%, BankNewportBankNewport4000 Chapel View Blvd, Cranston, RI 02920A5.0 ★Texas Ratio: 7.77%, Centreville BankCentreville Bank56 Rolfe Sq, Cranston, RI 02910A5.0 ★Texas Ratio: 10.15%, Bank of America NABank of America NA201 Hillside Rd, Cranston, RI 02920A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1177 Pontiac Ave, Cranston, RI 02920A+5.0 ★Texas Ratio: 3.68%, Beacon Bank & TrustBeacon Bank & Trust1047 Park Ave, Cranston, RI 02910A+5.0 ★Texas Ratio: 5.36%, Eastern BankEastern Bank1155 Reservoir Ave, Cranston, RI 02920A+5.0 ★Texas Ratio: 2.61%, TD BankTD Bank178 Phenix Ave, Cranston, RI 02920A+5.0 ★Texas Ratio: 3.71%, and Baycoast BankBaycoast Bank85 Sockanosset Cross Rd, Cranston, RI 02920A5.0 ★Texas Ratio: 12.75%. 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 Cranston, Rhode Island in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cranston 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 Cranston, Rhode Island

Market share is the lender's share of all home loans closed in Cranston, 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
The Washington Trust Company, of Westerly 3 offices in Cranston 645 Reservoir Ave, Cranston, RI 02910 A5.0 ★Texas Ratio: 7.00%	Conventional, FHA, VA, Jumbo, HELOC	33 +25 HELOCs	2.6%	76.7%	$314,393	View
Citizens Bank, NA 6 offices in Cranston 204 Garfield Ave, Cranston, RI 02920 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, VA, HELOC	17 +380 HELOCs	1.3%	85%	$375,588	View
BankNewport 1 office in Cranston 4000 Chapel View Blvd, Cranston, RI 02920 A5.0 ★Texas Ratio: 7.77%	Conventional, FHA, HELOC	13 +14 HELOCs	1%	87.5%	$382,692	View
Centreville Bank 2 offices in Cranston 56 Rolfe Sq, Cranston, RI 02910 A5.0 ★Texas Ratio: 10.15%	Conventional, FHA, Jumbo, HELOC	13 +11 HELOCs	1%	82.4%	$368,846	View
Bank of America NA 3 offices in Cranston 201 Hillside Rd, Cranston, RI 02920 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +29 HELOCs	0.4%	83.3%	$377,000	View
JPMorgan Chase Bank, NA 2 offices in Cranston 1177 Pontiac Ave, Cranston, RI 02920 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, HELOC	5 +2 HELOCs	0.4%	100%	$259,000	View
Beacon Bank & Trust 4 offices in Cranston 1047 Park Ave, Cranston, RI 02910 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo, HELOC	3 +7 HELOCs	0.2%	75%	$848,333	View
Eastern Bank 2 offices in Cranston 1155 Reservoir Ave, Cranston, RI 02920 A+5.0 ★Texas Ratio: 2.61%	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$445,000	View
TD Bank 1 office in Cranston 178 Phenix Ave, Cranston, RI 02920 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$25,000	View
Baycoast Bank 1 office in Cranston 85 Sockanosset Cross Rd, Cranston, RI 02920 A5.0 ★Texas Ratio: 12.75%	HELOC	0 +6 HELOCs	0%	100%		View
Navigant Credit Union 200 Phenix Ave, Cranston, RI 02920 A+5.0 ★Texas Ratio: 3.30%	Conventional, Jumbo, HELOC	66 +63 HELOCs	5.1%	81.5%	$295,454	View
Coastal1 Credit Union 96 Independence Way, Cranston, RI 02921 2044 A+5.0 ★Texas Ratio: 1.68%	Conventional, Jumbo, HELOC	27 +121 HELOCs	2.1%	84.4%	$305,740	View
Rhode Island Credit Union 860 Reservoir Ave, Cranston, RI 02910 4414 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	27 +22 HELOCs	2.1%	65.9%	$112,407	View
Fall River Five Cents Savings 175 Sockanosset Cross Rd, Cranston, RI 02920 A5.0 ★Texas Ratio: 7.62%	Conventional, FHA, VA, Jumbo, HELOC	17 +3 HELOCs	1.3%	100%	$380,294	View
Greenwood Credit Union 2669 Post Rd, Warwick, RI 02886 3039 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	16 +16 HELOCs	1.2%	63%	$108,125	View
Shoreham Bank 187 Wickenden St, Providence, RI 02903 A5.0 ★Texas Ratio: 9.55%	Conventional, FHA, VA	12	0.9%	92.3%	$301,666	View
The People's Credit Union 50 Gooding Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 4.51%	Conventional	10	0.8%	100%	$325,000	View
Wave Federal Credit Union 480 Greenwich Ave, Warwick, RI 02886 1606 A+5.0 ★Texas Ratio: 3.78%	Conventional	5	0.4%	83.3%	$73,000	View
Bank Rhode Island 860 Reservoir Ave, Cranston, RI 02910 4414 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	3 +13 HELOCs	0.2%	50%	$231,666	View
Milford Federal Bank 2020 Diamond Hill Rd, Woonsocket, RI 02895 A+5.0 ★Texas Ratio: 3.12%	Conventional	2	0.2%	100%	$255,000	View
Westerly Community Credit Union 2405 Nooseneck Hill Rd, Coventry, RI 02816 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	1 +8 HELOCs	0.1%	50%	$325,000	View
Ocean State Credit Union 2006 Nooseneck Hill Rd, Coventry, RI 02816 A5.0 ★Texas Ratio: 10.51%	Conventional	1	0.1%	100%	$25,000	View
Province Mortgage Associates, Inc.	Conventional, FHA, VA	34	2.6%	100%	$419,117
Semper Home Loans, Inc	Conventional, FHA	19	1.5%	95%	$339,736
Embrace Home Loans, Inc.	Conventional, FHA, VA	8	0.6%	88.9%	$380,000
Washington Trust Mortgage Company LLC A5.0 ★Texas Ratio: 7.00%	Conventional	4	0.3%	100%	$502,500	View
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	81 +1 HELOCs	6.3%	100%	$379,074
Primary Residential Mortgage, INC.	Conventional, FHA, VA	77	6%	88.5%	$309,415
Rocket Mortgage	Conventional, FHA, VA	57	4.4%	76.6%	$245,350
Nfm, Inc	Conventional, FHA, VA, Jumbo	56	4.4%	100%	$442,142
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	48 +3 HELOCs	3.7%	87.3%	$417,916
Guild Mortgage Company	Conventional, FHA, VA	45	3.5%	100%	$370,777
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	36 +3 HELOCs	2.8%	92.9%	$320,555
Pennymac Loan Services LLC	Conventional, FHA, VA	34	2.6%	89.5%	$261,764
loanDepot.com LLC	Conventional, FHA, VA, HELOC	28 +2 HELOCs	2.2%	74.4%	$305,714
Freedom Mortgage Corporation	Conventional, FHA, VA	28	2.2%	87.2%	$377,857
Newrez LLC	Conventional, FHA, VA	25	1.9%	70.3%	$336,600
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	22	1.7%	88%	$377,727
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA	20	1.6%	90.9%	$388,000	View
Baycoast Mortgage Company, LLC A5.0 ★Texas Ratio: 12.75%	Conventional, FHA, VA	19	1.5%	95%	$520,263	View
Guaranteed Rate, Inc.	Conventional, FHA	18	1.4%	94.7%	$378,888
Mortgage Equity Partners LLC	Conventional, FHA	16	1.2%	100%	$374,375
Nationstar Mortgage	Conventional, FHA, VA	16	1.2%	89.5%	$238,750
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	15 +1 HELOCs	1.2%	100%	$408,333
Guaranteed Rate Affinity, LLC	Conventional, FHA	15	1.2%	88.2%	$295,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	13 +7 HELOCs	1%	76.5%	$306,538
Paramount Residential Mortgage	Conventional, FHA	13	1%	100%	$355,769
Total Mortgage Services, LLC	Conventional, FHA, HELOC	12 +1 HELOCs	0.9%	100%	$427,500
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	11 +1 HELOCs	0.9%	73.3%	$377,727	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo, HELOC	9 +1 HELOCs	0.7%	100%	$407,222	View
New American Funding, LLC.	Conventional, FHA, HELOC	9 +1 HELOCs	0.7%	75%	$458,333
Carrington Mortgage Services LLC	Conventional, FHA, VA	9	0.7%	52.4%	$416,111
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	0.6%	50%	$293,750
Mortgage Research Center	Conventional, VA, Jumbo	8	0.6%	61.5%	$547,500
Harborone Mortgage, LLC	Conventional, FHA	7	0.5%	100%	$350,714
Nations Direct Mortgage, LLC	Conventional, FHA	7	0.5%	87.5%	$395,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	7	0.5%	87.5%	$245,000	View
Primelending	Conventional, FHA, VA	6	0.5%	100%	$393,333
Amerisave Mortgage Company	Conventional, FHA	6	0.5%	22.2%	$118,333
First Home Mortgage	Conventional	6	0.5%	66.7%	$430,000
First Community Mortgage, Inc.	Conventional, VA	5	0.4%	100%	$411,000
American Financial Resources LLC	Conventional, FHA	5	0.4%	100%	$567,000
Discover Bank	Conventional	5	0.4%	20%	$57,000
Waterstone Mortgage Corporation	Conventional, FHA, VA	5	0.4%	100%	$479,000
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	5	0.4%	83.3%	$375,000	View
Mutual of Omaha Mortgage	Conventional, FHA	5	0.4%	71.4%	$417,000
Spring Eq, LLC	Conventional, HELOC	4 +2 HELOCs	0.3%	28.6%	$120,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	4	0.3%	100%	$247,500	View
Equity Prime Mortgage LLC	FHA	4	0.3%	80%	$312,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.3%	100%	$265,000	View
Radius Financial Group Inc	Conventional, FHA	4	0.3%	100%	$277,500
JMAC Lending, Inc.	Conventional, FHA	4	0.3%	100%	$480,000
Arc Home LLC	Conventional	3	0.2%	100%	$548,333
Sage Home Loans Corporation	Conventional	3	0.2%	75%	$575,000
Envoy Mortgage, Ltd	Conventional	3	0.2%	100%	$398,333
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	3	0.2%	80%	$651,666	View
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	3	0.2%	100%	$388,333
Fairway Independent Mort Corp	Conventional	3	0.2%	100%	$451,666
Reliance First Capital, LLC	Conventional, FHA	3	0.2%	100%	$308,333
Village Capital & Investment	FHA, VA	3	0.2%	66.7%	$381,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.2%	100%	$210,000	View
Everett Financial, Inc.	FHA, VA	2	0.2%	66.7%	$455,000
Nbkc Bank	Conventional, VA	2	0.2%	100%	$545,000
AmeriHome Mortgage Company, LLC	FHA	2	0.2%	75%	$315,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	2	0.2%	100%	$365,000	View
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	2	0.2%	100%	$405,000	View
AmWest Funding Corp	Conventional	2	0.2%	100%	$245,000
Somerset Federal Credit Union	Conventional	2	0.2%	100%	$255,000
Bristol County Savings Bank	Conventional	2	0.2%	66.7%	$230,000
Cardinal Financial Company, Li	Conventional	2	0.2%	100%	$325,000
T2 Financial LLC	Conventional, FHA	2	0.2%	100%	$365,000
Lendsure Mortgage Corp.	Conventional	2	0.2%	100%	$395,000
Cornerstone Bank A+5.0 ★Texas Ratio: 2.94%	Conventional	2	0.2%	100%	$255,000	View
New Fed Mortgage Corp.	Conventional	2	0.2%	100%	$370,000
Digital Federal Credit Union	Conventional	2	0.2%	66.7%	$75,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional, FHA	2	0.2%	100%	$395,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA, VA	2	0.2%	100%	$460,000	View
Members Mortgage Company Inc	Conventional	2	0.2%	66.7%	$345,000
Tremont Credit Union	Conventional	2	0.2%	100%	$305,000
Webster Bank, N.A.	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$125,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$295,000	View
Alliant Credit Union	Conventional	1	0.1%	100%	$355,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$615,000	View
Direct Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	FHA	1	0.1%	100%	$425,000	View
Guidance Residential, LLC	Conventional	1	0.1%	100%	$625,000
PHH Mortgage Corporation	FHA	1	0.1%	100%	$445,000
American Financial Network, Inc.	FHA	1	0.1%	50%	$535,000
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional	1	0.1%	100%	$545,000	View
Sun West Mortgage Company, Inc	FHA	1	0.1%	100%	$535,000
Securitynational Mortgage Company	Conventional	1	0.1%	50%	$115,000
SouthCoast FCU	Conventional	1	0.1%	100%	$15,000
All In Credit Union	Conventional	1	0.1%	100%	$155,000
Planet Home Lending, LLC	FHA	1	0.1%	50%	$305,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$395,000	View
Hometown Equity Mortgage, LLC	FHA	1	0.1%	33.3%	$605,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$485,000	View
Evolve Bank & Trust	Conventional	1	0.1%	100%	$285,000
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional	1	0.1%	100%	$615,000	View
Scient Federal Credit Union	Conventional	1	0.1%	100%	$165,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$55,000
Avidia Bank A+5.0 ★Texas Ratio: 3.70%	Conventional	1	0.1%	100%	$285,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$295,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$345,000
Summit Funding.Inc	VA	1	0.1%	50%	$605,000
Zillow Home Loans, LLC	FHA	1	0.1%	100%	$345,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$385,000	View
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$675,000	View
Charter Oak Federal Credit Union	Conventional	1	0.1%	100%	$85,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$685,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$375,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$345,000	View
Texana Bank	VA	1	0.1%	50%	$285,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$305,000	View
Plaza Home Mortgage, Inc	VA	1	0.1%	100%	$715,000
Salem Five Mortgage Company LLC	Conventional	1	0.1%	100%	$765,000
Dedham Institution For Savings	Conventional	1	0.1%	100%	$685,000
Harborone Bank	HELOC	0 +10 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Bankesb	HELOC	0 +3 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Hanscom Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Better Mortgage Corporation	HELOC	0 +1 HELOCs	0%	0%
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	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.

Cranston 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 Cranston, Rhode Island

Looking for mortgage lenders near me or mortgage brokers near me in Cranston? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cranston in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Cranston, RI

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

Mortgage companies and brokers 70 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 56 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 22 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 61 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 40 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 11 lenders. Loans above the conforming limit for higher priced homes Local lenders based in RI 18 lenders headquartered in Rhode Island, the closest thing to a mortgage lender near you

Who Lends in Cranston, RI

Independent mortgage companies closed 65.3 percent of home loans in Cranston, Rhode Island in 2025, banks 20.9 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, The Washington Trust Company, of Westerly led with 33 loans.

65.3%

Mortgage companies

20.9%

Banks

13.9%

Credit unions

22%

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 Lender Pages

All Rhode Island lenders 319 lenders Providence 156 lenders Warwick 148 lenders Pawtucket 118 lenders East Providence 118 lenders Woonsocket 117 lenders Pascoag 68 lenders Westerly 92 lenders Valley Falls 66 lenders Cumberland Hill 71 lenders Newport 78 lenders Wakefield-Peace Dale 67 lenders Chepachet 59 lenders

Frequently Asked Questions About Mortgage Lenders in Cranston, RI

Who is the largest mortgage lender in Cranston, RI?

By home loans closed in 2025, The Washington Trust Company, of Westerly was the largest mortgage lender in Cranston, Rhode Island with 33 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Cranston, RI have the highest approval rates?

Among lenders with meaningful volume in Cranston, Rhode Island, Movement Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 83.3 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 Cranston, RI mortgage lenders offer FHA, VA and USDA loans?

61 lenders closed FHA loans in Cranston, Rhode Island in 2025, led by Primary Residential Mortgage, INC. with 27. 40 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 Cranston, RI lender list?

Yes. 56 banks and 22 credit unions closed home loans in Cranston, Rhode Island in 2025, alongside 70 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 Cranston, RI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Cranston, 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 Cranston, 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 Cranston. 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.