How many mortgage lenders are in Rhode Island?

Our research directory lists 4 distinct mortgage companies in Rhode Island, including 4 with NMLS ID verified. Counts use company identity (NMLS), not padded location rows.

How should I use mortgage company listings in Rhode Island?

Treat listings as research aids. Re-check any company on NMLS Consumer Access. We display research scores from multiple sources and do not accept paid placements for ranking.

What research tools are available for Rhode Island mortgages?

Use county market pages for locality-honest inventory, the Loan Estimate Analyzer and Compare tools for offer research, and the Program Finder for educational FHA, VA, conventional, USDA, and down-payment assistance pathways.

National research directory · NMLS-oriented · Catalog 2026-07-01

Mortgage lenders in Rhode Island

4 distinct companies · 4 with NMLS ID verified

HMDA evidence where available · County market pages · Free Loan Estimate tools

Research context

Rhode Island

Context from another Trust Hub. Continue with the tools below — research only.

Free · No phone number required

Already have a Loan Estimate?

See how fees and terms differ with clear educational framing—or compare two or three offers side by side. Independent research tools, not a lead marketplace.

Understand your Loan Estimate

Fee bands, points vs rate, optional HMDA context.

Analyze LE

Compare offers side by side

2–3 Loan Estimates — rate, fees, credits, P&I.

Compare LEs

Honest inventory in Rhode Island

4
Distinct companies (NMLS entity)
4
With NMLS ID verified
1
County research pages with usable inventory

County research pages

Newport

Loan programs & tools

Official housing & licensing resources

NMLS Consumer Access ↗ — Confirm company and individual licenses before you apply
CFPB — Owning a Home ↗ — Educational tools and Loan Estimate guides
HUD housing counseling ↗ — Find a HUD-approved housing counselor

Companies in Rhode Island (distinct NMLS entities)

Distinct companies

NMLS ID verified

BankNewport

Newport · Rhode Island · Newport, Rhode Island · HQ in Newport County

BankNMLS ID verified

BankNewport (NMLS #407964) is a Rhode Island community bank with multi-hundred statewide HMDA originations in public 2025 data.

ConventionalFHAVARefinance

Evidence

NMLS verified
Local HQ evidence

NMLS: #407964

Citizens Bank

Providence · Rhode Island · Providence, Rhode Island · HQ in Providence County

BankNMLS ID verified

Citizens Bank, National Association (NMLS #433960) is a national bank offering residential mortgage products. Florida HMDA data reports multi-thousand 2025 originations.

ConventionalFHAVAJumbo

Evidence

NMLS verified
Local HQ evidence

NMLS: #433960

Embrace Home Loans

Middletown · Rhode Island · Middletown, Rhode Island · HQ in Newport County

LenderNMLS ID verified

Embrace Home Loans, Inc. (NMLS #2184) is a multi-state mortgage lender with material New Jersey HMDA originations (and an OceanFirst referral partnership in NJ markets).

ConventionalFHAVARefinance

Evidence

NMLS verified
Local HQ evidence

NMLS: #2184

Washington Trust Mortgage

Westerly · Rhode Island · Westerly, Rhode Island · HQ in Washington County

LenderNMLS ID verified

Washington Trust Mortgage Company LLC (NMLS #901927), affiliated with The Washington Trust Company of Westerly, reports multi-thousand Rhode Island HMDA originations in public filings.

ConventionalFHAVARefinance

Evidence

NMLS verified
Local HQ evidence

NMLS: #901927

Browse by County in Rhode Island

Newport County2 lenders Providence County1 lender Washington County1 lender

Get Rhode Island Mortgage Lender Insights

NMLS verification tips, county lender comparisons, and free calculator access for Rhode Island homebuyers.

No paid placements. Unsubscribe anytime.

Get Rhode Island Mortgage Lender Insights

NMLS verification tips, county lender comparisons, and free calculator access for Rhode Island homebuyers.