Applications / Mortgage Analytics / Lenders / Rhode Island / The People's Credit Union
Middletown, RI · Credit union · NCUA · $808 million assets · 213 loans in 2025
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213
loans originated, 2025
346
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The People's Credit Union, of Middletown, Rhode Island, lends on manufactured homes far more than similar credit unions: such homes made up 21.6% of its loans in 2025.
Manufactured homes made up 21.6% of its 213 loans in 2025. At similar lenders, credit unions making between half and twice as many loans, the typical share was 0.0%. Home improvement made up 16.0% of its lending. Its typical loan, $145,000, was still above its peers' $105,000.
Higher-priced loans (a rate well above the average for similar loans) made up 21.6% of its lending, against 1.9% at similar lenders. Loans on manufactured homes often carry such rates, and they made up the same share of its lending, which could account for most of the gap. Its typical rate, 6.88%, was near the middle of its peers.
Its loans fell 9% to 213, while similar lenders grew 7%. Its share of the Providence market held at 0.3%, ranking it 66 of 475. It now lends in 22 metros across six states, and first lent in Elmira and Binghamton, New York, in 2025. Its record shows just 12 loans in 2021, between 602 and 421 in the years either side, a break that may reflect how that year's filing was recorded rather than a fall in lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The People's Credit Union took 346 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.0% · Refinance 21.6% · Home improvement 16.0% · Other 8.5%
Conventional 100.0% · of 213 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 | 147 | 69.0% |
| New York | 36 | 16.9% |
| Massachusetts | 19 | 8.9% |
| New Jersey | 7 | 3.3% |
| Connecticut | 2 | 0.9% |
| Delaware | 2 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 156 |
| Albany-Schenectady-Troy | 11 |
| Kiryas Joel-Poughkeepsie-Newburgh | 6 |
| Cambridge-Newton-Framingham | 5 |
| Utica-Rome | 5 |
| Lakewood-New Brunswick | 4 |
| Kingston | 3 |
| Boston | 2 |
| Syracuse | 2 |
| Wilmington | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900OVHD0ZZK65EQ86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 47292 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565861 | 1990–2017 |
Established 1 January 1922. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The People's Credit Union's data.
The People's Credit Union's data
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The People's Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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