Centreville Bank mortgage approval rate & lending review
Centreville Bank decided 1,427 mortgage applications and funded 1,188 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Centreville Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Centreville Bank at a glance
Approval is 9.6 points above the 77.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 568 / 613 | 93% | $375K | 530 |
| Home improvement loans | 79% | 237 / 301 | 98% | $75K | 232 |
| Cash-out refinance | 81% | 163 / 202 | 98% | $115K | 160 |
| Refinance | 88% | 63 / 72 | 100% | $105K | 63 |
| Investment property purchase | 93% | 150 / 162 | 95% | $335K | 142 |
| Investment home improvement | 78% | 31 / 40 | 97% | $115K | 30 |
Centreville Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Rhode Island | 87% | $335K | 1,196 | 994 |
| Massachusetts | 95% | $525K | 154 | 137 |
| Connecticut | 78% | $235K | 77 | 57 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Centreville Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Providence County, RI | Mortgage lenders | 92% | 237 | 203 |
| Kent County, RI | Mortgage lenders | 95% | 157 | 139 |
| Kent County, RI | Home improvement loans | 76% | 145 | 109 |
| Washington County, RI | Mortgage lenders | 91% | 94 | 82 |
| Kent County, RI | Cash-out refinance | 83% | 90 | 75 |
| Providence County, RI | Home improvement loans | 79% | 95 | 74 |
| Providence County, RI | Investment property purchase | 88% | 57 | 48 |
| Providence County, RI | Cash-out refinance | 70% | 61 | 42 |
| Washington County, RI | Investment property purchase | 98% | 45 | 42 |
| Washington County, RI | Home improvement loans | 85% | 39 | 30 |
| Providence County, RI | Refinance | 89% | 28 | 25 |
| Washington County, RI | Cash-out refinance | 93% | 28 | 24 |
The county markets where Centreville Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Centreville Bank
What is Centreville Bank's mortgage approval rate?
Centreville Bank approved 87.2% of the 1,427 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.6 points above the 77.7% national rate for the same mix of loan types.
How often do borrowers take the loan Centreville Bank offers?
Borrowers accepted 95% of the loans Centreville Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Centreville Bank make?
The typical home purchase mortgage loan Centreville Bank made was $375K; across all loan types its typical loan ran from $75K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Centreville Bank lend?
Centreville Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Rhode Island, Massachusetts and Connecticut.
Can I apply to Centreville Bank directly?
Yes. Centreville Bank is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Centreville Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Centreville Bank treats applications, then get a rate quote from the lender.