Purchase Originations
163
Median Total Costs
$4,222
−36.8% vs national ($6,680)
↑ $229 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,045
Median Lender Credits
$300
Denial Rate
6.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 158 | 6.125% | $4,204 | $1,045 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Rhode Island | 113 | 6.125% | $4,153 | #23 |
| Connecticut | 36 | 6.375% | $4,140 | — |
| Massachusetts | 14 | 6.125% | $4,867 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,069 | 6.125% | — | 17 | −$153 | |
| 2 | $4,085 | 6.000% | — | 42 | −$137 | |
| 3 | $4,179 | 6.188% | — | 34 | −$43 | |
| 4 | $4,190 | 6.312% | — | 20 | −$32 | |
| 5 | $4,203 | 6.250% | — | 1 | −$19 | |
| 6 | $4,256 | 5.875% | — | 5 | +$34 | |
| 7 | $4,292 | 6.125% | — | 4 | +$70 | |
| 8 | $4,336 | 6.625% | — | 2 | +$114 | |
| 9 | $4,340 | 6.312% | — | 16 | +$118 | |
| 10 | $4,662 | 6.125% | — | 13 | +$440 | |
| 11 | $4,863 | 6.250% | — | 3 | +$641 | |
| 12 | $4,870 | 6.250% | — | 1 | +$648 | |
| 13 | $4,991 | 6.750% | — | 1 | +$769 | |
| 14 | $5,036 | 6.125% | — | 3 | +$814 | |
| 15 | $5,051 | 6.250% | — | 1 | +$829 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Centreville Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $4,222 | $7,127 | −$2,905 (−40.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.