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Steve Johnson

Branch Manager

NMLS # 21251

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Steve joined the loanDepot Providence team in June 2014 as a Loan Officer. He has nearly 20 years of experience in mortgage lending with both regional and national mortgage lenders. Steve has attributed his success to never losing sight of the fundamentals of treating each and every customer as if they were his family.

Before joining loanDepot, Steve worked as a Mortgage Loan Originator at Coastway Community Bank and Greenwood Credit Union. He has built his reputation one person at a time with the goal of getting the best terms possible for the customer. He has learned that long lasting relationships are the cornerstone of anyone that is in a service role and makes it his goal to do the same with all his clients.

Steve has lived in Rhode Island his entire life and has formed many deep connections within the community through sports and academics. He is the father of two sons and coach's one of his son's baseball and basketball teams.

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RI | MA LIC# MLO21251 | CA LIC# CA-DBO21251 | CT LIC# LO-21251

  • 855 Waterman Ave Ste 4
    East Providence, RI 02914
  • (401) 230-1504
  • (401) 486-1012
  • (401) 709-1684
  • Email Me sejohnson@loandepot.com
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Here's what my clients are saying...

I have worked with Steve on two occasions now. I first used him to refinance my first home, and lower my payment significantly. Due to his knowledge and expertise, this process went smoothly and easily. I worked with Steve again 2 years later to purchase my second home. What could have been a long drawn out daunting process, was easy, went as planned, and I owe this to Steve. He is friendly, and always there to answer your questions. Would highly recommend Steve to friends and family.

Allegra, North Providence, RI

I couldn't say thank you enough to Stephen and Michael from loanDepot to guide me through the process of purchasing my first home! They found the best program and rate I was able to suit in. Both worked way beyond in every step until the closing day! Thank you!

Ana P., Shrewsbury, MA

Steve was very helpful guiding us, (first time home buyers) through the process. He came highly recommended by our agent and we were not disappointed in the quality of service that he provided.

Chas C., Coventry, RI

Steve is a real professional for those looking for a mortgage living in the greater New England area, specifically Providence. Our situation was that we needed a mortgage fast, and Steve said he could help out and lived up to his commitments. The support staff is very professional as well, and all documentation was handled electronically which is extremely convenient and efficient. Mortgage was signed and finalized on the commitment date, all parties were pleased - I will surely contact Steve for my next mortgage. Thank you!

Christopher M., Providence, RI

I'm a first time home owner and Steve took the time to work with me on any and everything I needed for the loan process, he's experienced and very knowledgeable and was patient with me. I highly recommend him to friends, family and to everyone. He will be the first person I call when I'm ready to buy my second investment property.

Cynthia, Cranston, RI

Steve has been great in every aspect of financing. I told him I would prefer to do no money down and he found a way to do it. Anytime I had a question and either e-mailed or called, I received an answer within 30 minutes.

Dan, East Greenwich, RI

Steve was extremely professional and got the job done!! Kept me informed and calmed me through uncertain times!! Highly recommended!!! Steve handled all aspects of my loan with ease and made sure I understood all the details that were involved in a loan process.

Dan & Randi S., North Providence, RI

Steve was very helpful and responsive to our questions, concerns and needs throughout the process! He was professional and met our expectations. He attended the closing and shared in our excitement!

Darlene, Providence, RI

Steve was a pleasure to work with and presented us with a number of different options to meet our needs. He dealt with us honestly and was patient with our numerous questions and answered them in a timely manner. We felt confident in dealing with him.

Dave & Nancy, Cumberland, RI

My wife and I had a very difficult time dealing with a couple other lending institutions, and we were really starting to believe there was no way that we were going to be able to purchase the house we wanted. Steve not only encouraged us from the start and explained things along the way, but he ultimately secured the funding for us at a great rate, and now we're homeowners!

Dave, Providence, RI

Steve was great, he got right back to us when we called and always listened to what we had to say. Steve was awesome! I would recommend him to anybody!

George F., Greenville, RI

The refinancing process was pretty easy with loanDepot. I worked with Steven Johnson and he was accommodating and helpful. I highly recommend loanDepot and Steven Johnson.

Haley, Lincoln, RI

Steve was very attentive from day one. He treated me like a long time client from the very beginning and made me feel like I could really count on him. This was my first home purchase and, unfortunately, I didn't luck out on missing any of the first time issues associated with that. The process itself was tough and very stressful. However, Steve was always available to answer my questions or get me an answer quickly. Get some info together, including any questions and concerns, and give Steve a call.

Jonathan, Warwick, RI

Steve was great! I would recommend him to anyone. It was a swift process and he and his colleagues helped make it that way. He gave honest opinions when we asked and stood by our decisions once we had made them. I was dreading the drawn-out potential of a refinance, but it all happened within about one month. Good luck!

Kate B., Providence, RI

Steve did a great job of moving my application through the mortgage process. At the end when there was a chance of the closing being delayed he worked with everyone and we were able to close on time.

Khane G., Woonsocket, RI

I just wanted to say a few words about Stephen Johnson. Stephen has provided us with outstanding customer service. He is extremely responsive and we will use him and refer him to our friends and family, always. Stephen has helped us to refinance our primary residence and we are using him again in August for an investment property.

Maria, Warwick, RI

Steve helped us with everything we needed. He responsed to all our questions and concerns in a timely fashion. Made it an easy closing day for us. We will consider using him again if we buy another home. We recommend new home owners look into using him.

Mike, North Providence, RI

Steve handled my re-fi. He was extremely professional and went out of his way to work around my schedule. He responded to phone calls well after "normal work hours" and even took calls while he was travelling.

Nate, Bristol, RI

Steve was terrific! Steve is personable, knowledgeable, honest, and overall my buying experience was the best, hands down, that I have had over the past 15 years of buying houses (this being my 3rd home loan)! I found and purchased my new home within 6 weeks and I could not have been more pleased with the entire experience. Buying a house is not easy, it can be one of the most stressful times in life, but Steve will make it a very pleasant experience and not waste your time!

Stacy, Cranston, RI

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Steve Johnson
Branch Manager
NMLS # 21251
sejohnson@loandepot.com
Phone
(401) 230-1504
Email
Email Me
Address
855 Waterman Ave Ste 4
East Providence, RI 02914

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To view legal disclosures and important notices, please click the following:
To view legal disclosures and important notices, please click the following: Lifetime Guarantee Disclaimers Rate Assumptions

loanDepot Lifetime Guarantee ("Guarantee")  —  Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate.  The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division.  The Guarantee may only be used by submitting an application directly to loanDepot.


For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan.  loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home.  The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time.  For future loans meeting the above requirements and which are successfully closed, the appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. “Lender fees” do not include discount points associated with the loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). Terms and conditions are subject to change without notice.


Future applicants must contact loanDepot directly via the website: www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the Guarantee. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.

Testimonial disclosure — Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Rate Assumptions — Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote.

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