Riverfront Federal 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 B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th29.5% deniedPricingmedian rate spread over APOR, weight 30%
84th-0.03 ptsProcesswithdrawn + incomplete share, weight 15%
87th2.6%Closing coststotal loan costs ÷ loan amount, weight 10%
95th0.42% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 332 | 248 | 24.4% | 24.6% | 5.75% | $18M |
| 2024 | 348 | 283 | 17.2% | 17.5% | 6.25% | $25M |
| 2025 | 460 | 314 | 28.7% | 29.5% | 5.55% | $34M |
What Riverfront Federal 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: 177 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 11 investment properties.
Why Riverfront Federal Credit Union denies applications
Primary reason reported for each of the 132 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Riverfront Federal 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 | 77 | 27 | 61.1% |
| $50k – $100k | 170 | 126 | 24.0% |
| $100k – $150k | 116 | 84 | 26.3% |
| $150k – $250k | 77 | 63 | 17.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 42 | 31 | 23.8% |
| 35–44 | 86 | 45 | 45.8% |
| 45–54 | 98 | 71 | 26.0% |
| 55–64 | 118 | 86 | 25.0% |
| 65–74 | 75 | 55 | 23.6% |
| Over 74 | 33 | 19 | 38.7% |
Where Riverfront Federal Credit Union lends
6 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 439 | 300 | 28.9% | 5.55% | #172 |
| Delaware | 8 | 7 | 12.5% | 6.25% | #263 |
| New Jersey | 8 | 4 | 37.5% | 5.75% | #552 |
Frequently asked questions
Riverfront Federal Credit Union denied 29.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
The most common reason Riverfront Federal Credit Union gave in 2025 was "credit history", cited on 45.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Riverfront Federal Credit Union originated in 2025 was 5.55%, and its median rate spread over the average prime offer rate was -0.03 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 14% of its applications were for home purchases, 21% for refinancing (including cash-out), and 65% 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.