River Valley Credit Union in Ohio vs the state
18.9%Denial rate+1.21 pts vs state
20.7%Decision denial rate-1.20 pts vs state
72.4%Origination rate+12.54 pts vs state
5.75%Median rate-1.13 pts vs state
-0.12Rate spread (pts)-0.51 pts vs state
$98kMedian applicant income
92Loans originated
24Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 93 | 14.6% | 6.88% | #262 |
| 2024 | 106 | 80 | 12.3% | 6.19% | #302 |
| 2025 | 127 | 92 | 18.9% | 5.75% | #293 |
What River Valley Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most River Valley Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 70 | 51 | 13 | 18.6% |
| Warren County | 23 | 17 | 4 | 17.4% |
| Butler County | 16 | 12 | 3 | 18.8% |
| Greene County | 9 | 6 | 3 | 33.3% |
| Miami County | 3 | 3 | 0 | 0.0% |
| Darke County | 2 | 2 | 0 | 0.0% |
| Hamilton County | 1 | 1 | 0 | 0.0% |
| Clark County | 1 | 0 | 1 | 100.0% |
| Preble County | 1 | 0 | 0 | 0.0% |
| Adams County | 1 | 0 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 127 applications in 2025, of which 92 were originated and 24 denied.
18.9% of all applications, or 20.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans River Valley Credit Union originated in Ohio in 2025 was 5.75%, against a statewide median of 6.88%.
About this data. Figures are River Valley Credit Union's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology