Mortgage lenders in Washington County
3,529 mortgages were made in Washington County, Rhode Island, in 2025, by 254 lenders. The median rate their borrowers got was 6.750% on a median loan of $305,000. Of 4,560 decisions, 922 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 582 | 7.150% | $205,000 | 26.3% |
| The Washington Trust Company, of Westerly | 356 | 6.875% | $225,000 | 22.4% |
| WESTERLY COMMUNITY | 228 | 6.625% | $115,000 | 21.6% |
| Rocket Mortgage, LLC | 152 | 6.875% | $265,000 | 21.2% |
| NAVIGANT CREDIT UNION | 139 | 6.500% | $255,000 | 12.4% |
| COASTAL1 Credit Union | 121 | 6.750% | $245,000 | 19.9% |
| MOVEMENT MORTGAGE, LLC | 88 | 6.625% | $450,000 | 3.2% |
| BankNewport | 82 | 6.490% | $305,000 | 18.9% |
| Bank of America, National Association | 81 | 5.990% | $255,000 | 36.4% |
| Centreville Bank | 71 | 6.625% | $325,000 | 12.2% |
| Navy Federal Credit Union | 66 | 7.250% | $255,000 | 13.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 50 | 6.496% | $425,000 | 19.4% |
| GUILD MORTGAGE COMPANY | 48 | 6.375% | $385,000 | 3.9% |
| Loandepot.Com, LLC | 42 | 7.058% | $310,000 | 29.0% |
| PENNYMAC LOAN SERVICES, LLC | 41 | 6.624% | $405,000 | 17.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 40 | 6.813% | $360,000 | 4.8% |
| BAYCOAST MORTGAGE COMPANY, LLC | 39 | 6.500% | $525,000 | 0.0% |
| CMG MORTGAGE, INC. | 37 | 6.750% | $465,000 | 10.6% |
| HARBORONE MORTGAGE, LLC | 36 | 6.625% | $500,000 | 2.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 35 | 6.875% | $485,000 | 2.8% |
| Rhode Island Credit Union | 34 | 4.990% | $105,000 | 23.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 30 | 6.625% | $330,000 | 0.0% |
| Bank Rhode Island | 29 | 7.000% | $365,000 | 21.6% |
| GREENWOOD CREDIT UNION | 29 | 6.500% | $105,000 | 18.9% |
| JPMorgan Chase Bank, National Association | 28 | 6.313% | $655,000 | 9.4% |
| U.S. Bank National Association | 27 | 6.625% | $405,000 | 27.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 27 | 6.375% | $515,000 | 3.6% |
| Brookline Bank | 26 | 6.375% | $355,000 | 12.9% |
| Fall River Five Cents Savings Bank | 26 | 6.758% | $370,000 | 16.1% |
| The People's Credit Union | 25 | 6.750% | $215,000 | 16.7% |
| Broker Solutions, Inc. | 24 | 6.750% | $385,000 | 11.1% |
| EMBRACE HOME LOANS, INC. | 24 | 6.438% | $510,000 | 10.3% |
| NATIONSTAR MORTGAGE LLC | 24 | 8.250% | $125,000 | 21.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.250% | $330,000 | 20.0% |
| GUARANTEED RATE, INC. | 23 | 6.500% | $485,000 | 4.0% |
| Webster Bank, National Association | 23 | 6.625% | $505,000 | 18.8% |
| NFM, INC. | 22 | 6.933% | $450,000 | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 21 | 6.375% | $445,000 | 4.6% |
| NEWREZ LLC | 20 | 6.563% | $445,000 | 28.6% |
| Paramount Residential Mortgage Group, Inc. | 20 | 6.875% | $400,000 | 9.1% |
| Charter Oak Federal Credit Union | 17 | 6.375% | $115,000 | 22.7% |
| Home Loan Investment Bank, F.S.B. | 17 | 6.875% | $395,000 | 0.0% |
| SPRING EQ, LLC | 16 | 9.438% | $95,000 | 52.8% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.000% | $485,000 | 19.1% |
| Berkshire Bank | 15 | 5.000% | $205,000 | 18.2% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 15 | 6.875% | $425,000 | 5.9% |
| Mortgage Research Center, LLC | 14 | 6.188% | $460,000 | 26.3% |
| TD Bank, National Association | 14 | 7.440% | $475,000 | 28.6% |
| Wells Fargo Bank, National Association | 14 | 6.188% | $510,000 | 22.2% |
| GUARANTEED RATE AFFINITY, LLC | 14 | 6.575% | $505,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 14 | 6.100% | $780,000 | 12.5% |
| Eastern Bank | 13 | 6.250% | $465,000 | 11.8% |
| TOTAL MORTGAGE SERVICES, LLC | 13 | 6.875% | $495,000 | 6.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.620% | $535,000 | 20.0% |
| AmeriSave Mortgage Corporation | 11 | 8.875% | $195,000 | 73.8% |
| Leader Bank, National Association | 11 | 6.375% | $435,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.250% | $400,000 | 44.0% |
| Fairway Independent Mortgage Corporation | 10 | 6.933% | $410,000 | 0.0% |
| Northpointe Bank | 10 | 6.875% | $385,000 | 9.1% |
| Chelsea Groton Bank | 10 | 6.270% | $425,000 | 0.0% |
| SEMPER HOME LOANS, INC | 10 | 6.813% | $430,000 | 9.1% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Colorado Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FIGURE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 26.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| BayCoast Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 46.7% |
| DIME BANK | 7 | Under 10 loans | Under 10 loans | 27.3% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCEAN STATE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bristol County Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| HarborOne Bank | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Somerset Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SCIENT Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 80.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Jewett City Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 50.0% |
| bankESB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Direct Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit East, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900C1CRYSCHG38F20 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CorePlus Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Needham Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UniBank for Savings | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Anne's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Easton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Milford Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Cooperative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MSA MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINEX CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH NATIONAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MARKETS CUSO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST WORLD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 54 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Washington County
31 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Washington Trust Company, of Westerly | 10 | $3.4 billion |
| Citizens Bank, National Association | 6 | $990.2 million |
| Beacon Bank and Trust | 4 | $312.7 million |
| Bank of America, National Association | 3 | $616.2 million |
| BankNewport | 2 | $197.6 million |
| Centreville Bank | 2 | $104.8 million |
| JPMorgan Chase Bank, National Association | 2 | $73.2 million |
| Santander Bank, N.A. | 1 | $106.8 million |
| Dime Bank | 1 | $59.6 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank Rhode Island, 1140 Ten Rod Rd, North Kingstown
- Bank Rhode Island, 290 Main St, Wakefield
- Berkshire Bank, 122 Tower Hill Road, Wakefield
- Berkshire Bank, 18 Post Rd, Westerly
Get told when this changes
When the next year’s lending figures are out for Washington County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.