RIVER WORKS
RIVER WORKS received 58 applications in 2025 and made 55 mortgages, in 11 counties across 4 states. The median rate its borrowers got was 6.250% on a median loan of $555,000. Of 57 decisions, 2 were denials — 3.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930067K4Z4NIZ4W068 |
|---|---|
| Applications received | 58 |
| Mortgages made | 55 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.264 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 | 39 | 6.250% | $605,000 | 2.5% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 13 | 6.250% | $485,000 | 7.1% |
Where RIVER WORKS lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Essex County, MA | 24 | 6.188% | 0.0% |
| Middlesex County, MA | 11 | 6.250% | 0.0% |
| Suffolk County, MA | 8 | Under 10 loans | 20.0% |
| Norfolk County, MA | 3 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 0.0% |
| Plymouth County, MA | 2 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Carroll County, NH | 1 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 1 | Under 10 loans | 0.0% |
| Providence County, RI | 1 | Under 10 loans | 0.0% |
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When RIVER WORKS’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.