River Valley Credit Union, Inc. mortgage approval rate & lending review
River Valley Credit Union, Inc. decided 309 mortgage applications and funded 256 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions River Valley Credit Union, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
River Valley Credit Union, Inc. at a glance
Approval is 11.9 points above the 70.9% 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 | 97% | 28 / 29 | 100% | $115K | 28 |
| Cash-out refinance | 82% | 200 / 244 | 100% | $55K | 200 |
River Valley Credit Union, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 83% | $55K | 309 | 256 |
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 River Valley Credit Union, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, OH | Cash-out refinance | 81% | 140 | 113 |
| Warren County, OH | Cash-out refinance | 83% | 41 | 34 |
| Butler County, OH | Cash-out refinance | 84% | 32 | 27 |
The county markets where River Valley Credit Union, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about River Valley Credit Union, Inc.
What is River Valley Credit Union, Inc.'s mortgage approval rate?
River Valley Credit Union, Inc. approved 82.8% of the 309 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 70.9% national rate for the same mix of loan types.
How often do borrowers take the loan River Valley Credit Union, Inc. offers?
Borrowers accepted 100% of the loans River Valley Credit Union, Inc. approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does River Valley Credit Union, Inc. make?
The typical cash-out refinance loan River Valley Credit Union, Inc. made was $55K; across all loan types its typical loan ran from $55K to $115K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does River Valley Credit Union, Inc. lend?
River Valley Credit Union, Inc. decided applications in 1 of the states Fat Boy Data covers, most of them in Ohio.
Can I apply to River Valley Credit Union, Inc. directly?
Yes. River Valley Credit Union, Inc. is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show River Valley Credit Union, Inc.'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 River Valley Credit Union, Inc. treats applications, then get a rate quote from the lender.