River Region Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
61st7.3% deniedProcesswithdrawn + incomplete share, weight 15%
98th1.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 756 | 604 | 8.7% | 8.9% | — | $93M |
| 2024 | 890 | 694 | 9.6% | 9.6% | — | $122M |
| 2025 | 1,492 | 1,188 | 7.2% | 7.3% | — | $219M |
What River Region Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 23 manufactured homes, 110 investment properties.
Who gets approved at River Region Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 129 | 85 | 18.4% |
| $50k – $100k | 489 | 368 | 8.0% |
| $100k – $150k | 427 | 365 | 6.1% |
| $150k – $250k | 315 | 258 | 4.6% |
| Over $250k | 89 | 72 | 4.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 54 | 39 | 11.1% |
| 25–34 | 276 | 201 | 8.2% |
| 35–44 | 388 | 307 | 7.7% |
| 45–54 | 307 | 253 | 6.6% |
| 55–64 | 243 | 193 | 6.7% |
| 65–74 | 147 | 125 | 8.3% |
| Over 74 | 51 | 44 | 3.9% |
Where River Region Credit Union lends
8 states and 79 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 1,485 | 1,184 | 7.1% | — | #35 |
Frequently asked questions
River Region Credit Union denied 7.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 61st percentile of mid-size mortgage lenders.
In 2025, 42% of its applications were for home purchases, 26% for refinancing (including cash-out), and 32% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.