RIVER VALLEY CREDIT UNION, INC.
RIVER VALLEY CREDIT UNION, INC. received 127 applications in 2025 and made 92 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 5.750% on a median loan of $65,000. Of 116 decisions, 24 were denials — 20.7%, most often for credit history.
| Legal Entity Identifier | 5493001D5DXR1S70P689 |
|---|---|
| Applications received | 127 |
| Mortgages made | 92 |
| Denied | 24 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.121 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 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 78 | 5.750% | $55,000 | 22.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 66.7% |
Where RIVER VALLEY CREDIT UNION, INC. lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, OH | 51 | 5.875% | 20.3% |
| Warren County, OH | 17 | 5.750% | 19.1% |
| Butler County, OH | 12 | 5.750% | 20.0% |
| Greene County, OH | 6 | Under 10 loans | 33.3% |
| Miami County, OH | 3 | Under 10 loans | 0.0% |
| Darke County, OH | 2 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Adams County, OH | 0 | Under 10 loans | Not published |
| Clark County, OH | 0 | Under 10 loans | 100.0% |
| Preble County, OH | 0 | Under 10 loans | Not published |
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When RIVER VALLEY CREDIT UNION, INC.’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.