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 |
---|---|---|---|---|
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online convenience | 620 | 3% | Learn more at Rocket Mortgage, LLC |
![]() Veterans United: NMLS#1907 Learn more at Veterans United | Best for VA loans | 620 | 0% | Learn more at Veterans United |
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for online convenience | 620 | 3% | Learn more at Guaranteed Rate |
![]() Bank of America: NMLS#399802 Learn more at Bank of America | Best for jumbo loans | 720 | 15% | Learn more at Bank of America |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for FHA loans | 640 | 3.5% | Learn more at Fairway Independent Mortgage |
![]() loanDepot: NMLS#174457 | Best for FHA loans | 580 | 3.5% | 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 | N/A | 20% | Read review |

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

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

at Veterans United
Veterans United: NMLS#1907

Min. credit score
620Min. down payment
0%at Veterans United

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

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

at Bank of America
Bank of America: NMLS#399802

Min. credit score
720Min. down payment
15%at Bank of America

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
640Min. down payment
3.5%at Fairway Independent Mortgage
loanDepot: NMLS#174457

Min. credit score
580Min. down payment
3.5%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
N/AMin. down payment
20%Last updated on December 1, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best Rhode Island Mortgage Lenders of 2021
- Rocket Mortgage, LLC: Best for online convenience
- Veterans United: Best for VA loans
- Guaranteed Rate: Best for online convenience
- Bank of America: Best for jumbo loans
- Fairway Independent Mortgage: Best for FHA loans
- loanDepot: Best for FHA 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