R.I.A. Federal Credit Union
R.I.A. Federal Credit Union received 428 applications in 2025 and made 284 mortgages, in 26 counties across 3 states. The median rate its borrowers got was 5.990% on a median loan of $95,000. Of 382 decisions, 86 were denials — 22.5%, most often for credit history. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900M3DBBSBUPR5L27 |
|---|---|
| Applications received | 428 |
| Mortgages made | 284 |
| Denied | 86 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 46 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.349 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 112 | 5.750% | $185,000 | 4.8% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Cash-out refinancing | 37 | 5.750% | $125,000 | 20.0% |
| Other purposes | 126 | 6.490% | $45,000 | 32.8% |
Where R.I.A. Federal Credit Union lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Scott County, IA | 124 | 5.750% | 19.1% |
| Rock Island County, IL | 76 | 5.990% | 20.8% |
| Henry County, IL | 15 | 5.750% | 22.7% |
| Monroe County, WI | 13 | 6.375% | 33.3% |
| Carroll County, IL | 11 | 5.990% | 35.3% |
| Mercer County, IL | 8 | Under 10 loans | 25.0% |
| Muscatine County, IA | 8 | Under 10 loans | 38.5% |
| Clinton County, IA | 5 | Under 10 loans | 28.6% |
| Whiteside County, IL | 4 | Under 10 loans | 28.6% |
| Juneau County, WI | 3 | Under 10 loans | 25.0% |
| Cedar County, IA | 2 | Under 10 loans | 50.0% |
| Jackson County, IA | 2 | Under 10 loans | 0.0% |
| Jackson County, WI | 2 | Under 10 loans | 0.0% |
| Jo Daviess County, IL | 1 | Under 10 loans | 0.0% |
| Lee County, IL | 1 | Under 10 loans | 0.0% |
| Schuyler County, IL | 1 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 1 | Under 10 loans | 50.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Dane County, WI | 1 | Under 10 loans | 0.0% |
| La Crosse County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Portage County, WI | 1 | Under 10 loans | 0.0% |
| Vernon County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| Louisa County, IA | 0 | Under 10 loans | 100.0% |
| Richland County, WI | 0 | Under 10 loans | Not published |
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When R.I.A. Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.