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Mortgage Lenders and Brokers in Providence, Rhode Island

Content reviewed by

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

Providence, Rhode Island mortgage lenders include The Washington Trust Company, of WesterlyThe Washington Trust Company, of Westerly10 Weybosset St, Providence, RI 02903A5.0 ★Texas Ratio: 7.00%, Citizens Bank, NACitizens Bank, NA1 Citizens Plz, Providence, RI 02903A+5.0 ★Texas Ratio: 5.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA146 Westminster St, Providence, RI 02903A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA1 Financial Plz, Providence, RI 02903A+5.0 ★Texas Ratio: 4.14%, BankNewportBankNewport5 S Angell St, Providence, RI 02906A5.0 ★Texas Ratio: 7.77%, Centreville BankCentreville Bank777 Tiogue Ave, Coventry, RI 02816A5.0 ★Texas Ratio: 10.15%, TD BankTD Bank180 Westminster St, Providence, RI 02903A+5.0 ★Texas Ratio: 3.71%, Bank Rhode IslandBank Rhode Island160 Francis St, Providence, RI 02903 1118A+5.0 ★Texas Ratio: 2.65%, Beacon Bank & TrustBeacon Bank & Trust1 Turks Head Pl, Providence, RI 02903A+5.0 ★Texas Ratio: 5.36%, and Eastern BankEastern Bank180 Washington St, Providence, RI 02903A+5.0 ★Texas Ratio: 2.61%. 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 Providence, Rhode Island in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Providence 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 Providence, Rhode Island

Market share is the lender's share of all home loans closed in Providence, 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 5 offices in Providence 10 Weybosset St, Providence, RI 02903 A5.0 ★Texas Ratio: 7.00%	Conventional, FHA, Jumbo, HELOC	192 +27 HELOCs	10.8%	92.5%	$289,583	View
Citizens Bank, NA 11 offices in Providence 1 Citizens Plz, Providence, RI 02903 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, Jumbo, HELOC	19 +280 HELOCs	1.1%	79.2%	$430,263	View
JPMorgan Chase Bank, NA 3 offices in Providence 146 Westminster St, Providence, RI 02903 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	18 +1 HELOCs	1%	95.2%	$437,222	View
Bank of America NA 7 offices in Providence 1 Financial Plz, Providence, RI 02903 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	11 +26 HELOCs	0.6%	100%	$638,636	View
BankNewport 2 offices in Providence 5 S Angell St, Providence, RI 02906 A5.0 ★Texas Ratio: 7.77%	Conventional, Jumbo, HELOC	11 +16 HELOCs	0.6%	70.6%	$630,454	View
Centreville Bank 2 offices in Providence 777 Tiogue Ave, Coventry, RI 02816 A5.0 ★Texas Ratio: 10.15%	Conventional, FHA, Jumbo, HELOC	11 +7 HELOCs	0.6%	87.5%	$538,636	View
TD Bank 1 office in Providence 180 Westminster St, Providence, RI 02903 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	5 +10 HELOCs	0.3%	50%	$549,000	View
Bank Rhode Island 160 Francis St, Providence, RI 02903 1118 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	4 +10 HELOCs	0.2%	80%	$420,000	View
Beacon Bank & Trust 3 offices in Providence 1 Turks Head Pl, Providence, RI 02903 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo, HELOC	2 +5 HELOCs	0.1%	66.7%	$1,420,000	View
Eastern Bank 1 office in Providence 180 Washington St, Providence, RI 02903 A+5.0 ★Texas Ratio: 2.61%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.1%	100%	$1,005,000	View
Baycoast Bank 1 office in Providence 78 Dorrance St, Providence, RI 02903 A5.0 ★Texas Ratio: 12.75%	HELOC	0 +12 HELOCs	0%	0%		View
Semper Home Loans, Inc	Conventional, FHA	30	1.7%	93.8%	$455,666
Rockland Trust Bank 1 office in Providence A+5.0 ★Texas Ratio: 2.64%	Conventional	2	0.1%	100%	$385,000	View
Beeline Loans, Inc.	Conventional	1	0.1%	50%	$295,000
Navigant Credit Union 179 W River st, Providence, RI 02904 2610 A+5.0 ★Texas Ratio: 3.30%	Conventional, Jumbo, HELOC	73 +75 HELOCs	4.1%	85.4%	$338,287	View
Coastal1 Credit Union 457 Angell St, Providence, RI 02906 4407 A+5.0 ★Texas Ratio: 1.68%	Conventional, Jumbo, HELOC	24 +91 HELOCs	1.4%	66.7%	$284,583	View
Rhode Island Credit Union 160 Francis St, Providence, RI 02903 1118 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	18 +21 HELOCs	1%	42.9%	$116,111	View
Fall River Five Cents Savings 590 Metacom Ave, Bristol, RI 02809 A5.0 ★Texas Ratio: 7.62%	Conventional, FHA, HELOC	10 +6 HELOCs	0.6%	90.9%	$419,000	View
Shoreham Bank 187 Wickenden St, Providence, RI 02903 A5.0 ★Texas Ratio: 9.55%	Conventional, FHA	7	0.4%	87.5%	$266,428	View
Greenwood Credit Union 2669 Post Rd, Warwick, RI 02886 3039 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +12 HELOCs	0.2%	46.2%	$132,500	View
The People's Credit Union 50 Gooding Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 4.51%	Conventional	3	0.2%	75%	$248,333	View
Wave Federal Credit Union 480 Greenwich Ave, Warwick, RI 02886 1606 A+5.0 ★Texas Ratio: 3.78%	Conventional	3	0.2%	100%	$28,333	View
Blackstone River FCU 100 Old River Rd, Lincoln, RI 02865 A+5.0 ★Texas Ratio: 3.88%	Conventional	1	0.1%	100%	$35,000	View
Milford Federal Bank 2020 Diamond Hill Rd, Woonsocket, RI 02895 A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$35,000	View
Westerly Community Credit Union 2405 Nooseneck Hill Rd, Coventry, RI 02816 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +10 HELOCs	0%	0%		View
Province Mortgage Associates, Inc.	Conventional, FHA	37	2.1%	77.1%	$463,108
Embrace Home Loans, Inc.	Conventional, FHA, Jumbo	6	0.3%	85.7%	$590,000
Washington Trust Mortgage Company LLC A5.0 ★Texas Ratio: 7.00%	Conventional	4	0.2%	100%	$330,000	View
Primary Residential Mortgage, INC.	Conventional, FHA	155	8.8%	84.7%	$295,967
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo	129	7.3%	95.1%	$409,186
Nfm, Inc	Conventional, FHA, VA	85	4.8%	97.7%	$503,000
Rocket Mortgage	Conventional, FHA, VA	80	4.5%	76.1%	$309,750
Baycoast Mortgage Company, LLC A5.0 ★Texas Ratio: 12.75%	Conventional, FHA, Jumbo	70	4%	94.6%	$508,857	View
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	54 +4 HELOCs	3%	72.4%	$338,703
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	45 +2 HELOCs	2.5%	68.7%	$454,333
loanDepot.com LLC	Conventional, FHA, VA	42	2.4%	78.6%	$308,809
Paramount Residential Mortgage	Conventional, FHA	39	2.2%	100%	$331,923
Mortgage Equity Partners LLC	Conventional, Jumbo	30	1.7%	96.8%	$631,333
Guild Mortgage Company	Conventional, FHA, VA	29	1.6%	90.6%	$293,965
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	28	1.6%	87.5%	$450,357
Guaranteed Rate Affinity, LLC	Conventional, FHA, HELOC	27 +1 HELOCs	1.5%	90%	$266,111
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo	26	1.5%	87.1%	$661,538	View
Guaranteed Rate, Inc.	Conventional, FHA, Jumbo	24	1.4%	85.7%	$421,250
Pennymac Loan Services LLC	Conventional, FHA, VA	20	1.1%	71.4%	$360,500
Freedom Mortgage Corporation	Conventional, FHA, VA	19	1.1%	76.7%	$357,631
Newrez LLC	Conventional, FHA, VA	18	1%	54.3%	$353,888
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA, VA, Jumbo, HELOC	16 +2 HELOCs	0.9%	100%	$491,250	View
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	13 +1 HELOCs	0.7%	100%	$338,846
New American Funding, LLC.	Conventional, FHA, VA, Jumbo	13	0.7%	87.5%	$493,461
Total Mortgage Services, LLC	Conventional, FHA, HELOC	12 +3 HELOCs	0.7%	100%	$407,500
Harborone Mortgage, LLC	Conventional, Jumbo	12	0.7%	92.3%	$518,333
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, HELOC	11 +1 HELOCs	0.6%	78.6%	$319,545	View
Amerisave Mortgage Company	Conventional, FHA, VA	11	0.6%	29.7%	$180,454
Nations Direct Mortgage, LLC	Conventional, FHA	11	0.6%	64.7%	$291,363
Fairway Independent Mort Corp	Conventional, FHA, Jumbo	11	0.6%	78.6%	$598,636
Mortgage Research Center	FHA, VA	10	0.6%	66.7%	$407,000
Nationstar Mortgage	Conventional	9	0.5%	81.8%	$172,777
JMAC Lending, Inc.	Conventional, FHA	8	0.5%	88.9%	$436,250
Spring Eq, LLC	Conventional, HELOC	7 +3 HELOCs	0.4%	32%	$83,571
First Home Mortgage	Conventional, FHA	7	0.4%	77.8%	$520,714
Bristol County Savings Bank	Conventional	7	0.4%	87.5%	$286,428
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	7	0.4%	77.8%	$385,000
Mutual of Omaha Mortgage	Conventional, FHA	7	0.4%	41.2%	$442,142
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	6	0.3%	75%	$408,333	View
Webster Bank, N.A.	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.3%	55.6%	$813,000
Arc Home LLC	Conventional	5	0.3%	55.6%	$381,000
EMM Loans LLC	Conventional, FHA	5	0.3%	83.3%	$581,000
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	5	0.3%	45.5%	$409,000	View
Carrington Mortgage Services LLC	Conventional, FHA	5	0.3%	19.2%	$225,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	4 +4 HELOCs	0.2%	35.7%	$405,000
Better Mortgage Corporation	Conventional, FHA, HELOC	4 +1 HELOCs	0.2%	66.7%	$492,500
Nbkc Bank	Conventional, VA	4	0.2%	100%	$532,500
Waterstone Mortgage Corporation	Conventional, VA	4	0.2%	100%	$487,500
Towne Mortgage Company	Conventional, FHA	4	0.2%	83.3%	$465,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.2%	44.4%	$132,500	View
Union Home Mortgage Corp.	Conventional, FHA, HELOC	3 +1 HELOCs	0.2%	100%	$505,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$981,666	View
Stonehambank - A Co-Operative A+5.0 ★Texas Ratio: 3.27%	Conventional	3	0.2%	100%	$355,000	View
American Financial Resources LLC	Conventional	3	0.2%	100%	$531,666
Primelending	Conventional, Jumbo	3	0.2%	100%	$515,000
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.2%	47.1%	$188,333
PHH Mortgage Corporation	FHA	3	0.2%	100%	$321,666
New Fed Mortgage Corp.	Conventional	3	0.2%	100%	$391,666
Radius Financial Group Inc	Conventional, FHA	3	0.2%	75%	$355,000
Reliance First Capital, LLC	Conventional, FHA	3	0.2%	100%	$181,666
Salem Five Mortgage Company LLC	Conventional, FHA	3	0.2%	100%	$488,333
HomeBridge Financial Services, Inc	Conventional, HELOC	2 +7 HELOCs	0.1%	100%	$560,000
Digital Federal Credit Union	Conventional, HELOC	2 +6 HELOCs	0.1%	66.7%	$105,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$725,000	View
Alliant Credit Union	Conventional	2	0.1%	100%	$830,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.1%	100%	$260,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	2	0.1%	66.7%	$360,000	View
Sage Home Loans Corporation	Conventional	2	0.1%	60%	$410,000
Envoy Mortgage, Ltd	Conventional	2	0.1%	100%	$490,000
Kind Lending, LLC	Conventional, FHA	2	0.1%	100%	$185,000
American Financial Network, Inc.	Conventional, FHA	2	0.1%	66.7%	$275,000
Nqm Funding, LLC	Conventional	2	0.1%	100%	$170,000
Securitynational Mortgage Company	Conventional	2	0.1%	66.7%	$340,000
Planet Home Lending, LLC	FHA, VA	2	0.1%	100%	$440,000
Hometown Equity Mortgage, LLC	FHA	2	0.1%	40%	$495,000
First Ciitizens Bank and Trust A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo	2	0.1%	100%	$1,160,000	View
Prosperity Home Mortgage, LLC	FHA	2	0.1%	100%	$610,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0.1%	100%	$1,445,000	View
Plaza Home Mortgage, Inc	FHA, VA	2	0.1%	66.7%	$285,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.1%	50%	$1,060,000	View
Champions Funding, LLC	Conventional	2	0.1%	66.7%	$275,000
Quorum Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$65,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$205,000
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$705,000	View
Genisys Credit Union	Conventional	1	0.1%	100%	$765,000
Bank of Canton A+5.0 ★Texas Ratio: 4.22%	Conventional, Jumbo	1	0.1%	100%	$1,295,000	View
Hartford Funding, Ltd.	FHA	1	0.1%	100%	$445,000
First Community Mortgage, Inc.	Conventional	1	0.1%	50%	$355,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0.1%	100%	$595,000	View
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional, Jumbo	1	0.1%	100%	$2,325,000	View
Direct Federal Credit Union	Conventional	1	0.1%	33.3%	$125,000
Greenstate Credit Union	Conventional	1	0.1%	100%	$695,000
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	FHA	1	0.1%	100%	$15,000	View
Contour Mortgage Corporation	Conventional	1	0.1%	100%	$385,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	1	0.1%	100%	$415,000	View
Guidance Residential, LLC	Conventional	1	0.1%	100%	$175,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$315,000
Sharon & Crescent United Credit Union	Conventional	1	0.1%	100%	$215,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$335,000	View
Data Mortgage, Inc	FHA	1	0.1%	100%	$95,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$425,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$255,000
Das Acquisition Company, LLC	FHA	1	0.1%	100%	$285,000
Network Funding, L.P.	VA	1	0.1%	100%	$1,155,000
First Colony Mortgage Corporat	FHA	1	0.1%	100%	$525,000
Real Genius LLC	Conventional	1	0.1%	100%	$315,000
North Easton Savings Bank A5.0 ★Texas Ratio: 10.31%	Conventional	1	0.1%	100%	$245,000	View
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$355,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	25%	$345,000	View
Harvard Federal Credit Union	Conventional	1	0.1%	100%	$265,000
Nations Lending Corporation	FHA	1	0.1%	100%	$375,000
Taunton Federal Credit Union A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0.1%	100%	$635,000	View
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$265,000
Cornerstone Bank A+5.0 ★Texas Ratio: 2.94%	Conventional	1	0.1%	100%	$205,000	View
1St Summit Bank A+5.0 ★Texas Ratio: 3.83%	Conventional	1	0.1%	100%	$455,000	View
Affinity Federal Credit Union	Conventional	1	0.1%	50%	$285,000
PeoplesBank A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0.1%	100%	$185,000	View
Bankesb	Conventional	1	0.1%	100%	$255,000
Interstate Home Loan Center, Inc.	FHA	1	0.1%	100%	$585,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$915,000	View
Zillow Home Loans, LLC	Conventional	1	0.1%	50%	$485,000
CIBM Bank A5.0 ★Texas Ratio: 8.91%	FHA	1	0.1%	100%	$435,000	View
RiverWorks Credit Union	Conventional	1	0.1%	100%	$425,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$325,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$255,000	View
First Central Savings Bank	Conventional	1	0.1%	100%	$465,000
United Nations Federal CU	Conventional	1	0.1%	100%	$105,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$765,000	View
Tremont Credit Union	Conventional	1	0.1%	100%	$735,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	1	0.1%	100%	$315,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$385,000	View
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$305,000
Village Capital & Investment	FHA	1	0.1%	100%	$375,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Harborone Bank	HELOC	0 +5 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Hanscom Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Liberty Bank	HELOC	0 +1 HELOCs	0%	n/a
Everett Financial, Inc.	HELOC	0 +1 HELOCs	0%	n/a
Tower 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
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Bank Fund Staff Federal Credit	HELOC	0 +1 HELOCs	0%	n/a
State Departmenet Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Providence 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 Providence, Rhode Island

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

Types of Mortgage Lenders in Providence, RI

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

Mortgage companies and brokers 82 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 61 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 28 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 69 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 25 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 30 lenders. Loans above the conforming limit for higher priced homes Local lenders based in RI 19 lenders headquartered in Rhode Island, the closest thing to a mortgage lender near you

Who Lends in Providence, RI

Independent mortgage companies closed 63.2 percent of home loans in Providence, Rhode Island in 2025, banks 28.6 percent and credit unions 8.2 percent. Semper Home Loans, 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 192 loans.

63.2%

Mortgage companies

28.6%

Banks

8.2%

Credit unions

26%

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 Warwick 148 lenders Cranston 136 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 Providence, RI

Who is the largest mortgage lender in Providence, RI?

By home loans closed in 2025, The Washington Trust Company, of Westerly was the largest mortgage lender in Providence, Rhode Island with 192 loans, about 10.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Providence, Rhode Island, Nfm, Inc approved the highest share of completed applications in 2025 at 97.7 percent, against a 80.2 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 Providence, RI mortgage lenders offer FHA, VA and USDA loans?

69 lenders closed FHA loans in Providence, Rhode Island in 2025, led by Primary Residential Mortgage, INC. with 73. 25 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 Providence, RI lender list?

Yes. 61 banks and 28 credit unions closed home loans in Providence, Rhode Island in 2025, alongside 82 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 Providence, RI ranked on this page?

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