The Lenders Community Survey gathers homeowners feedback and 71 lender recommendations for Rhode Island homeowners. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 2, 2025
<< Human Powered Recommendations >>
Rhode Island Top Lenders for Home Refinance Loans
Providence, Warwick, Cranston, Pawtucket, East Providence, Helena, Woonsoket, Cumberland, Newport, Online lenders.
Recommendations are gathered from 827 Rhode Island members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Rhode Island Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Rhode Island Homeowners Resources.
Providence Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Providence’s area are Navigant Credit Union, Citizens Bank and BankNewport.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Navigant Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 94% |
| Citizens Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| BankNewport | Bank | 4.0 | 4.5 | 4.5 | 89% |
| People’s Credit Union | Credit Union | 4.0 | 4.3 | 4.6 | 88% |
| Washington Trust Company | Bank | 4.0 | 4.2 | 4.4 | 87% |
| Rhode Island Credit Union | Credit Union | 3.5 | 4.2 | 4.3 | 86% |
| Centreville Bank | Community Bank | 3.5 | 4.0 | 4.2 | 85% |
| Santander Bank | Bank | 3.5 | 3.8 | 4.0 | 82% |
| Rockland Trust | Bank | 3.5 | 3.7 | 3.9 | 80% |
| Webster Bank | Bank | 3.0 | 3.7 | 3.8 | 79% |
| St. Mary’s Bank | Credit Union | 3.0 | 3.6 | 3.8 | 78% |
| East Boston Savings Bank | Community Bank | 3.0 | 3.5 | 3.7 | 77% |
| BayCoast Bank | Community Bank | 3.0 | 3.4 | 3.6 | 75% |
| Dedham Institution for Savings | Community Bank | 3.0 | 3.3 | 3.5 | 74% |
| Bristol County Savings Bank | Community Bank | 3.0 | 3.2 | 3.4 | 72% |
Warwick Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Warwick’s area are Navigant Credit Union, Washington Trust Company and Citizens Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Navigant Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 94% |
| Washington Trust Company | Bank | 4.5 | 4.6 | 4.7 | 93% |
| Citizens Bank | Bank | 4.5 | 4.5 | 4.5 | 91% |
| BankNewport | Bank | 4.0 | 4.5 | 4.5 | 89% |
| People’s Credit Union | Credit Union | 4.0 | 4.3 | 4.5 | 88% |
| Centreville Bank | Community Bank | 3.5 | 4.2 | 4.3 | 86% |
| Rhode Island Credit Union | Credit Union | 3.5 | 4.0 | 4.2 | 85% |
Cranston Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Cranston’s area are Navigant Credit Union, Citizens Bank and People’s Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Navigant Credit Union | Credit Union | 4.5 | 4.8 | 4.7 | 95% |
| Citizens Bank | Bank | 4.5 | 4.6 | 4.5 | 92% |
| People’s Credit Union | Credit Union | 4.0 | 4.5 | 4.6 | 90% |
| Washington Trust Company | Bank | 4.0 | 4.4 | 4.5 | 89% |
| BankNewport | Bank | 4.0 | 4.3 | 4.4 | 88% |
| Centreville Bank | Community Bank | 3.5 | 4.2 | 4.3 | 86% |
| Rhode Island Credit Union | Credit Union | 3.5 | 4.1 | 4.2 | 85% |
Pawtucket Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Pawtucket’s area are Navigant Credit Union, People’s Credit Union and Citizens Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Navigant Credit Union | Credit Union | 4.5 | 4.8 | 4.7 | 95% |
| People’s Credit Union | Credit Union | 4.5 | 4.7 | 4.6 | 93% |
| Citizens Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Pawtucket Credit Union | Credit Union | 4.0 | 4.4 | 4.5 | 89% |
| Washington Trust Company | Bank | 4.0 | 4.3 | 4.4 | 88% |
| BankNewport | Bank | 3.5 | 4.2 | 4.3 | 86% |
| Centreville Bank | Community Bank | 3.5 | 4.1 | 4.2 | 85% |
East Providence Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in East Providence’s area are Navigant Credit Union, BankNewport and People’s Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Navigant Credit Union | Credit Union | 4.5 | 4.8 | 4.7 | 95% |
| BankNewport | Bank | 4.5 | 4.7 | 4.6 | 93% |
| People’s Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 92% |
| Citizens Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Washington Trust Company | Bank | 4.0 | 4.4 | 4.4 | 88% |
| East Providence Credit Union | Credit Union | 4.0 | 4.3 | 4.4 | 87% |
| Centreville Bank | Community Bank | 3.5 | 4.2 | 4.3 | 86% |
Woonsocket Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Woonsocket’s area are Navigant Credit Union, St. Mary’s Bank and Citizens Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Navigant Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 94% |
| St. Mary’s Bank | Credit Union | 4.5 | 4.6 | 4.7 | 93% |
| Citizens Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Woonsocket Federal Credit Union | Credit Union | 4.0 | 4.4 | 4.5 | 89% |
| Washington Trust Company | Bank | 4.0 | 4.3 | 4.4 | 87% |
| Centreville Bank | Community Bank | 3.5 | 4.2 | 4.3 | 86% |
| BankNewport | Bank | 3.5 | 4.1 | 4.2 | 85% |
Cumberland Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Cumberland’s area are Navigant Credit Union, Centreville Bank and Cumberland Federal Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Navigant Credit Union | Credit Union | 4.5 | 4.8 | 4.7 | 95% |
| Centreville Bank | Community Bank | 4.5 | 4.7 | 4.6 | 94% |
| Cumberland Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 93% |
| BankNewport | Regional Bank | 4.0 | 4.5 | 4.5 | 90% |
| Washington Trust Company | Regional Bank | 4.0 | 4.4 | 4.4 | 88% |
| People’s Credit Union | Credit Union | 4.0 | 4.3 | 4.3 | 87% |
| Rhode Island Credit Union | Credit Union | 3.5 | 4.2 | 4.2 | 85% |
Newport Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Newport’s area are BankNewport, Navigant Credit Union and Washington Trust Company.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| BankNewport | Bank | 4.5 | 4.8 | 4.7 | 96% |
| Navigant Credit Union | Credit Union | 4.5 | 4.7 | 4.7 | 94% |
| Washington Trust Company | Bank | 4.5 | 4.6 | 4.6 | 93% |
| People’s Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 91% |
| Citizens Bank | Bank | 4.0 | 4.4 | 4.4 | 89% |
| Savings Institute Bank & Trust | Community Bank | 4.0 | 4.3 | 4.3 | 87% |
| Newport County Credit Union | Credit Union | 3.5 | 4.2 | 4.3 | 86% |
Best Rhode Island Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Rhode Island’s are Rocket Mortgage, Better Mortgage and Citizens Bank.
| Lender (name) | Loan Amounts (range) | APR Range (current market rates) | Loan Terms (years offered) | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % (from 0-100%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50,000 – $3,000,000 | 5.72% – 7.22% | 10, 15, 20, 30 | 5 | 4.5 | 5 | 96% |
| Better Mortgage | $50,000 – $2,000,000 | 5.78% – 7.28% | 10, 15, 20, 30 | 5 | 4 | 4.5 | 93% |
| Citizens Bank | $50,000 – $2,000,000 | 5.75% – 7.20% | 15, 20, 30 | 4.5 | 4.5 | 4.5 | 91% |
| SoFi | $50,000 – $3,000,000 | 5.88% – 7.38% | 10, 15, 20, 30 | 4.5 | 4 | 4 | 88% |
| Washington Trust | $50,000 – $1,500,000 | 5.70% – 7.15% | 15, 20, 30 | 4 | 4.5 | 4.5 | 87% |
| BankNewport | $50,000 – $1,000,000 | 5.75% – 7.20% | 15, 20, 30 | 4 | 4 | 4.5 | 86% |
| Chase Bank | $50,000 – $3,000,000 | 5.98% – 7.48% | 10, 15, 20, 30 | 4 | 4 | 4 | 84% |
| TD Bank | $50,000 – $2,000,000 | 6.02% – 7.47% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 83% |
| U.S. Bank | $50,000 – $2,500,000 | 6.05% – 7.55% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 82% |
| Navigant Credit Union | $50,000 – $1,000,000 | 5.80% – 7.25% | 15, 20, 30 | 4 | 4 | 4 | 81% |
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