Top Mortgage Lenders in Rhode Island (2025)
In 2025, 386 lenders made 25,993 home loans worth $9.0 billion in Rhode Island, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 34.4% of them. Citizens Bank, NA made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Rhode Island, 2025
Ranked by the number of home loans each lender made (originated) in Rhode Island in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank, NA Providence, RI | 3,762 | $815.7M | $217,000 | 14.5% | 31.2% |
| 2 | Navigant Credit Union Smithfield, RI | 1,833 | $454.7M | $248,000 | 7.1% | 19.4% |
| 3 | Coastal1 Credit Union Pawtucket, RI | 1,317 | $261.6M | $199,000 | 5.1% | 26.1% |
| 4 | The Washington Trust Company, of Westerly Westerly, RI | 1,040 | $301.0M | $289,000 | 4.0% | 26.2% |
| 5 | Movement Mortgage, LLC Indian Land, SC | 1,001 | $391.0M | $391,000 | 3.9% | 4.1% |
| 6 | Primary Residential Mortgage, Inc. Salt Lake City, UT | 690 | $203.3M | $295,000 | 2.7% | 11.4% |
| 7 | Banknewport Middletown, RI | 656 | $215.2M | $328,000 | 2.5% | 22.8% |
| 8 | CMG Mortgage Inc San Ramon, IL | 593 | $206.1M | $348,000 | 2.3% | 10.6% |
| 9 | Guild Mortgage Company San Diego, CA | 556 | $191.4M | $344,000 | 2.1% | 3.8% |
| 10 | United Wholesale Mortgage Plymouth, MI | 531 | $211.4M | $398,000 | 2.0% | 20.5% |
| 11 | NFM, Inc Linthicum, MD | 459 | $202.9M | $442,000 | 1.8% | 1.9% |
| 12 | Bank of America NA Westlake Village, CA | 432 | $133.8M | $310,000 | 1.7% | 53.4% |
| 13 | Baycoast Mortgage Company, LLC Swansea, MA | 429 | $228.6M | $533,000 | 1.7% | 3.6% |
| 14 | loanDepot.com LLC Irvine, CA | 410 | $119.3M | $291,000 | 1.6% | 28.5% |
| 15 | Centreville Bank West Warwick, RI | 409 | $177.8M | $435,000 | 1.6% | 14.1% |
| 16 | Westerly Community Credit Union Wakefield, RI | 346 | $66.3M | $191,000 | 1.3% | 21.8% |
| 17 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 334 | $141.5M | $424,000 | 1.3% | 5.4% |
| 18 | Greenwood Credit Union Warwick, RI | 315 | $59.0M | $187,000 | 1.2% | 25.7% |
| 19 | Navy Federal Credit Union Vienna, VA | 294 | $78.0M | $265,000 | 1.1% | 22.6% |
| 20 | Rhode Island Credit Union Warwick, RI | 285 | $29.0M | $102,000 | 1.1% | 36.9% |
| 21 | Province Mortgage Associates, Inc. East Providence, RI | 284 | $118.2M | $416,000 | 1.1% | 7.1% |
| 22 | Fall River Five Cents Savings Fall River, MA | 261 | $89.8M | $344,000 | 1.0% | 11.2% |
| 23 | PennyMac Loan Services LLC Westlake Village, CA | 260 | $84.0M | $323,000 | 1.0% | 20.4% |
| 24 | Guaranteed Rate, Inc. Chicago, IL | 250 | $108.0M | $432,000 | 1.0% | 8.5% |
| 25 | Newrez LLC Fort Washington, PA | 250 | $88.4M | $354,000 | 1.0% | 32.6% |
Top Home Purchase Lenders in Rhode Island
307 lenders made 10,599 home purchase loans worth $4.9 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Movement Mortgage, LLC Indian Land, SC | 787 | 7.4% |
| 2 | Primary Residential Mortgage, Inc. Salt Lake City, UT | 594 | 5.6% |
| 3 | The Washington Trust Company, of Westerly Westerly, RI | 499 | 4.7% |
| 4 | Navigant Credit Union Smithfield, RI | 493 | 4.7% |
| 5 | CMG Mortgage Inc San Ramon, IL | 429 | 4.0% |
| 6 | Guild Mortgage Company San Diego, CA | 419 | 4.0% |
| 7 | NFM, Inc Linthicum, MD | 378 | 3.6% |
| 8 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 308 | 2.9% |
| 9 | Baycoast Mortgage Company, LLC Swansea, MA | 294 | 2.8% |
| 10 | Citizens Bank, NA Providence, RI | 271 | 2.6% |
Top Refinance Lenders in Rhode Island
210 lenders made 5,289 refinance loans worth $1.8 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Citizens Bank, NA Providence, RI | 1,722 | 32.6% |
| 2 | Coastal1 Credit Union Pawtucket, RI | 442 | 8.4% |
| 3 | Navigant Credit Union Smithfield, RI | 422 | 8.0% |
| 4 | The Washington Trust Company, of Westerly Westerly, RI | 185 | 3.5% |
| 5 | Freedom Mortgage Corporation Boca Raton, FL | 136 | 2.6% |
| 6 | United Wholesale Mortgage Plymouth, MI | 130 | 2.5% |
| 7 | Movement Mortgage, LLC Indian Land, SC | 111 | 2.1% |
| 8 | Baycoast Mortgage Company, LLC Swansea, MA | 104 | 2.0% |
| 9 | CMG Mortgage Inc San Ramon, IL | 96 | 1.8% |
| 10 | PennyMac Loan Services LLC Westlake Village, CA | 82 | 1.6% |
Top Cash-Out Refinance Lenders in Rhode Island
205 lenders made 3,733 cash-out refinance loans worth $1.2 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Banknewport Middletown, RI | 163 | 4.4% |
| 2 | loanDepot.com LLC Irvine, CA | 138 | 3.7% |
| 3 | United Wholesale Mortgage Plymouth, MI | 131 | 3.5% |
| 4 | Rhode Island Credit Union Warwick, RI | 115 | 3.1% |
| 5 | Greenwood Credit Union Warwick, RI | 113 | 3.0% |
| 6 | Amerisave Mortgage Company Sandy Springs, GA | 97 | 2.6% |
| 7 | Movement Mortgage, LLC Indian Land, SC | 94 | 2.5% |
| 8 | Newrez LLC Fort Washington, PA | 91 | 2.4% |
| 9 | Navigant Credit Union Smithfield, RI | 89 | 2.4% |
| 10 | Citizens Bank, NA Providence, RI | 76 | 2.0% |
Top FHA Lenders in Rhode Island
132 lenders made 2,868 FHA loans worth $1.2 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Primary Residential Mortgage, Inc. Salt Lake City, UT | 266 | 9.3% |
| 2 | Movement Mortgage, LLC Indian Land, SC | 196 | 6.8% |
| 3 | NFM, Inc Linthicum, MD | 163 | 5.7% |
| 4 | United Wholesale Mortgage Plymouth, MI | 150 | 5.2% |
| 5 | CMG Mortgage Inc San Ramon, IL | 146 | 5.1% |
| 6 | Freedom Mortgage Corporation Boca Raton, FL | 120 | 4.2% |
| 7 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 115 | 4.0% |
| 8 | loanDepot.com LLC Irvine, CA | 107 | 3.7% |
| 9 | Semper Home Loans, Inc Providence, RI | 98 | 3.4% |
| 10 | Province Mortgage Associates, Inc. East Providence, RI | 96 | 3.3% |
Top VA Lenders in Rhode Island
99 lenders made 1,054 VA loans worth $510.2 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 159 | 15.1% |
| 2 | Movement Mortgage, LLC Indian Land, SC | 97 | 9.2% |
| 3 | United Wholesale Mortgage Plymouth, MI | 74 | 7.0% |
| 4 | Freedom Mortgage Corporation Boca Raton, FL | 59 | 5.6% |
| 5 | Navy Federal Credit Union Vienna, VA | 51 | 4.8% |
| 6 | Newrez LLC Fort Washington, PA | 38 | 3.6% |
| 7 | PennyMac Loan Services LLC Westlake Village, CA | 32 | 3.0% |
| 8 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 27 | 2.6% |
| 9 | Guild Mortgage Company San Diego, CA | 26 | 2.5% |
| 10 | USAA Federal Savings Bank San Antonio, TX | 21 | 2.0% |
Get the lender lists
The Rhode Island mortgage lender list has the 53 lenders based in Rhode Island, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($39 for 2025, $78 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Rhode Island lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Rhode Island.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Rhode Island. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Rhode Island
Rhode Island mortgage data by county and metro area · mortgage lenders by city in Rhode Island
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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