Refinancing lenders in Providence County
2,767 refinancing mortgages were made in Providence County, Rhode Island, in 2025, by 221 lenders. The median rate their borrowers got was 6.750% on a median loan of $255,000. Of 3,809 decisions, 881 were denials — 23.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 795 | 7.400% | $205,000 | 25.8% |
| NAVIGANT CREDIT UNION | 313 | 7.000% | $145,000 | 18.4% |
| COASTAL1 Credit Union | 295 | 6.750% | $155,000 | 18.9% |
| FREEDOM MORTGAGE CORPORATION | 84 | 6.250% | $400,000 | 6.7% |
| Rocket Mortgage, LLC | 82 | 5.875% | $335,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 74 | 5.875% | $405,000 | 25.9% |
| The Washington Trust Company, of Westerly | 58 | 6.990% | $165,000 | 42.2% |
| CMG MORTGAGE, INC. | 52 | 6.375% | $340,000 | 14.3% |
| BAYCOAST MORTGAGE COMPANY, LLC | 48 | 6.250% | $445,000 | 5.9% |
| MOVEMENT MORTGAGE, LLC | 46 | 6.125% | $395,000 | 7.3% |
| PENNYMAC LOAN SERVICES, LLC | 44 | 5.990% | $360,000 | 8.0% |
| Bank of America, National Association | 42 | 6.365% | $125,000 | 49.4% |
| GUILD MORTGAGE COMPANY | 41 | 6.125% | $355,000 | 6.3% |
| Bank Rhode Island | 37 | 7.250% | $245,000 | 26.0% |
| NEWREZ LLC | 31 | 5.750% | $405,000 | 27.3% |
| Loandepot.Com, LLC | 31 | 6.250% | $375,000 | 22.0% |
| Brookline Bank | 26 | 6.750% | $215,000 | 13.3% |
| NFM, INC. | 26 | 6.625% | $425,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 23 | 6.125% | $385,000 | 34.3% |
| Centreville Bank | 20 | 6.644% | $385,000 | 4.8% |
| GUARANTEED RATE, INC. | 19 | 6.375% | $455,000 | 5.0% |
| TD Bank, National Association | 19 | 7.890% | $125,000 | 38.7% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 6.125% | $395,000 | 36.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 5.870% | $410,000 | 4.2% |
| MORTGAGE EQUITY PARTNERS LLC | 16 | 5.990% | $505,000 | 0.0% |
| HarborOne Bank | 15 | 7.250% | $205,000 | 42.9% |
| NATIONSTAR MORTGAGE LLC | 15 | 6.125% | $345,000 | 22.7% |
| BLACKSTONE RIVER CREDIT UNION | 15 | 6.900% | $55,000 | 0.0% |
| Webster Bank, National Association | 14 | 6.990% | $135,000 | 34.8% |
| BankNewport | 14 | 6.625% | $410,000 | 12.5% |
| Leader Bank, National Association | 13 | 5.990% | $415,000 | 0.0% |
| Mortgage Research Center, LLC | 12 | 5.990% | $430,000 | 45.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.100% | $370,000 | 7.1% |
| JPMorgan Chase Bank, National Association | 12 | 6.375% | $450,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 12 | 6.125% | $200,000 | 7.7% |
| Broker Solutions, Inc. | 11 | 6.125% | $425,000 | 15.4% |
| Northpointe Bank | 10 | 6.125% | $400,000 | 16.7% |
| U.S. Bank National Association | 10 | 6.125% | $545,000 | 16.7% |
| TOTAL MORTGAGE SERVICES, LLC | 10 | 7.125% | $335,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Fall River Five Cents Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| SEMPER HOME LOANS, INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Home Loan Investment Bank, F.S.B. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Rockland Trust Company | 6 | Under 10 loans | Under 10 loans | 53.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GREENWOOD CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 37.5% |
| WESTERLY COMMUNITY | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Eastern Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 46.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| HARBORONE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hanscom Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| StonehamBank, A Co-operative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 90.9% |
| Rhode Island Credit Union | 2 | Under 10 loans | Under 10 loans | 62.5% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bluestone Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BayCoast Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Milford Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Cooperative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Workers Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEOMINSTER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SHARON & CRESCENT UNITED Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Liberty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UniBank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chelsea Groton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Country Bank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wrentham Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dean Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEAN STATE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCIENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Havard Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ROCKLAND Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MSA MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Genesis Capital, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLTRUST CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| St. Anne's Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VISTA POINT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAUNTON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| HIGHTECHLENDING INC | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DREW MORTGAGE ASSOCIATES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bangor Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LUMENT REAL ESTATE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| COREVEST AMERICAN FINANCE LENDER LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 21 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.