10 Best Rhode Island Mortgage Lenders of 2021
Rhode Island doesn't cover much land, but it has a large pool of mortgage lenders. Here are some NerdWallet picks to help you wade through the choices.
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These Rhode Island mortgage lenders do a lot of business in the state and are some of the best that NerdWallet has reviewed. There are options for borrowers looking for government-backed mortgages, jumbo mortgages and home loans geared to first-time buyers. You'll find plenty of choices, whether you're buying a new home or want to refinance a mortgage.
Compare lenders to shop rates and terms, and choose a Rhode Island mortgage lender that serves your needs while offering the best deal.
These Rhode Island mortgage lenders do a lot of business in the state and are some of the best that NerdWallet has reviewed. There are options for borrowers looking for government-backed mortgages, jumbo mortgages and home loans geared to first-time buyers. You'll find plenty of choices, whether you're buying a new home or want to refinance a mortgage.
Compare lenders to shop rates and terms, and choose a Rhode Island mortgage lender that serves your needs while offering the best deal.
Best Rhode Island Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for online convenience | 620 | 3% | Learn more at Guaranteed Rate |
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online convenience | 620 | 3% | Learn more at Rocket Mortgage, LLC |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for FHA loans | 580 | 3.5% | Learn more at Fairway Independent Mortgage |
![]() Bank of America: NMLS#399802 | Best for jumbo loans | 720 | 15% | Read review |
![]() loanDepot: NMLS#174457 | Best for FHA loans | 520 | 3.5% | Read review |
![]() Veterans United: NMLS#1907 | Best for VA loans | 620 | 0% | Read review |
![]() Caliber: NMLS#15622 | Best for first-time home buyers | 620 | 3% | Read review |
![]() PrimeLending: NMLS#13649 | Best for first-time home buyers | 620 | 3% | Read review |
![]() Navy Federal: NMLS#399807 | Best for VA loans | N/A | 0% | Read review |
![]() Wells Fargo: NMLS#399801 | Best for jumbo loans | 620 | 10.01% | Read review |

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
580Min. down payment
3.5%at Fairway Independent Mortgage
Bank of America: NMLS#399802

Min. credit score
720Min. down payment
15%loanDepot: NMLS#174457

Min. credit score
520Min. down payment
3.5%Veterans United: NMLS#1907

Min. credit score
620Min. down payment
0%Caliber: NMLS#15622

Min. credit score
620Min. down payment
3%PrimeLending: NMLS#13649

Min. credit score
620Min. down payment
3%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%Wells Fargo: NMLS#399801

Min. credit score
620Min. down payment
10.01%Last updated on January 20, 2021
Methodology
To recap our selections...
NerdWallet's Best Rhode Island Mortgage Lenders of 2021
- Guaranteed Rate: Best for online convenience
- Rocket Mortgage, LLC: Best for online convenience
- Fairway Independent Mortgage: Best for FHA loans
- Bank of America: Best for jumbo loans
- loanDepot: Best for FHA loans
- Veterans United: Best for VA loans
- Caliber: Best for first-time home buyers
- PrimeLending: Best for first-time home buyers
- Navy Federal: Best for VA loans
- Wells Fargo: Best for jumbo loans