Gardner Lane is an accomplished mortgage professional with over 20 years of experience and currently Licensed in 49 States and Washington DC. He has a passion for helping home buyers, owners and builders to learn more about loan options. Known as a strong thinker with strong residential, FHA, VA and commercial mortgage acumen. With his past endeavors in real estate, owning and managing as many as 60 apartment units, he is skilled at educating customers about construction and renovation financing, home buying and refinancing solutions, as well as jumbo, adjustable-rate, and reverse mortgages.



Beyond work, Gardner is quite active and civic minded. Most recently he has joined the Board at Moses Brown in Providence, RI. Another current labor of love is in heading up a $2.5M fundraising effort to build youth sports fields in his hometown of Westport, MA. Before moving east, he was an Alumni Trustee at the Latin School of Chicago. On a fun note, he was involved as a volunteer in the effort to bring the Olympics to the city of Chicago in 2016. He holds an MBA from DePaul University in Chicago concentrating in Real Estate Finance, his undergraduate degree is from the University of Colorado - Boulder.

Branch Manager/Sr. Loan Officer

Gardner Lane is your Providence local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Gardner is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Gardner at (781) 616-1343 for more information!

Gardner Lane at Rate (NMLS #217954)

After spending my early career in corporate sales and marketing with companiesand three separate start-up software companies, I took this invaluable experience and started my new career in the mortgage business as a Loan Officer. Within a year this led to an opportunity working with a small local firm, a place where I could serve the local community in Newport County. Though a merger or two, I have now landed at Rate and able to increase our presence in the RI market exponentially and I'm pleased and proud to be a VP of Mortgage Landing with over 16 years of mortgage experience. This experience allows me to deliver the best mortgage experience to my clients with a friendly, honest, and professional manner. Professional Affiliations: National Association of Mortgage Bankers (NAMB), Rhode Island Mortgage Bankers Association (RIMBA), Mortgage Bankers Association (MMA). Newport Country Board of Realtors, Newport County Chamber of Commerce, Business Networking International. Personal Interests: I live in Portsmouth RI with my wife Tobi, our son Bennett, and our bulldog Mater! Being an avid golfer, I am a Panelist for Golf Digest's Top 100 golf courses in the US. I'm also very active in youth sports, including board membership on the Portsmouth Little League, Babe Ruth League, and the Challenger Little League.

VP of Mortgage Lending

Bill Mallinson is your Providence local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bill is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bill at (401) 366-4501 for more information!

Bill Mallinson at Rate (NMLS #21347)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Scott Hershberger is your Providence local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Scott is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Scott at (401) 308-9163 for more information!

Scott Hershberger at Rate (NMLS #237553)

I joined the mortgage industry in 2002 after serving overseas with the U.S. Army. Since then I have helped thousands of clients purchase or refinance their homes. I pride myself on being accessible and dependable. Whether purchasing a new home or refinancing an existing mortgage, choosing your mortgage professional is an important step. My goal is to act as a trusted advisor, providing personalized service helping you through every step of the loan process from application to closing and beyond. From first homes to dream homes I can help you get there quicker using our Upfront underwriting and ultra-efficient process.


I offer a wide portfolio of programs such as FHA, Conventional, VA, Jumbo, Renovation, First Time Homebuyer, Down payment assistance, HELOC, Reverse, and Non QM loan programs.


I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Senior Loan Officer

Keith Calabro is your Providence local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Keith is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Keith at (401) 400-7124 for more information!

Keith Calabro at Rate (NMLS #16945)

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4 Loan Officers in Providence, RI