Applications / Mortgage Analytics / Lenders / Rhode Island / Centreville Bank
West Warwick, RI · Savings institution · FDIC · $3.0 billion assets · 576 loans in 2025
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576
loans originated, 2025
757
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Centreville Bank is a Rhode Island savings institution ranked 16 of 475 lenders in Providence-Warwick, where its share rose slightly as its loans grew larger.
It made 576 loans against 560 a year before, but lent $244.1 million against $185.2 million. Its jumbo share (larger than the conforming limit), 5.7%, is higher than about three in four similar lenders (savings institutions making between half and twice as many loans), whose share is 2.3%. Its originations rose 3%, less than the 8% of similar lenders and the 10% of the whole market.
It ranks 16 of 475 lenders in Providence-Warwick, MA-RI, where it has lent since before 1990, with 1.4% of the market against 1.3% a year before. Citizens Bank leads that market. It also lends in Hartford and Norwich-New London, CT, where it has been since 2001.
16.7% of its loans were in LMI (low- and moderate-income) areas, against 14.2% for similar lenders, and 8.5% in majority-minority areas, higher than about two-thirds of them. Both are up from five years before. Its share of loans to LMI borrowers fell to 24.1% from 31.4%, near the middle of similar lenders; larger loans this year are one possible reason.
None of its loans was higher-priced (a rate well above the average for similar loans), and its typical rate, 6.49%, was a little below similar lenders' 6.62%. Purchases are 46.9% of its loans, with home improvement and refinances about a quarter each.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Centreville Bank took 757 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.9% · Home improvement 23.8% · Refinance 22.4% · Other 6.9%
Conventional 98.8% · FHA 1.2% · of 576 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Rhode Island | 409 | 71.0% |
| Connecticut | 116 | 20.1% |
| Massachusetts | 51 | 8.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 422 |
| Worcester | 91 |
| Norwich-New London-Willimantic | 23 |
| Cambridge-Newton-Framingham | 15 |
| Boston | 14 |
| Hartford-West Hartford-East Hartford | 6 |
| Barnstable Town | 3 |
| New Haven | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q4BYXP7YD9UI61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 876700 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317764 | 1990–2017 |
Established 1 January 1888. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Centreville Bank's data.
Centreville Bank's data
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