RiverHills Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
26th16.8% deniedPricingmedian rate spread over APOR, weight 30%
64th0.17 ptsProcesswithdrawn + incomplete share, weight 15%
12th23.7%Closing coststotal loan costs ÷ loan amount, weight 10%
71st1.37% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 487 | 289 | 9.2% | 13.0% | 6.75% | $87M |
| 2024 | 463 | 298 | 13.4% | 16.9% | 6.75% | $91M |
| 2025 | 577 | 352 | 12.8% | 16.8% | 6.63% | $111M |
What RiverHills Bank 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, 8 manufactured homes, 120 investment properties.
Why RiverHills Bank denies applications
Primary reason reported for each of the 74 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at RiverHills Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 23 | 34.2% |
| $50k – $100k | 225 | 157 | 18.0% |
| $100k – $150k | 101 | 71 | 13.8% |
| $150k – $250k | 86 | 64 | 12.2% |
| Over $250k | 36 | 24 | 11.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 48 | 33 | 11.9% |
| 25–34 | 212 | 144 | 18.6% |
| 35–44 | 109 | 77 | 16.8% |
| 45–54 | 65 | 50 | 10.5% |
| 55–64 | 42 | 27 | 20.0% |
Where RiverHills Bank lends
15 states and 74 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
RiverHills Bank denied 16.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 26th percentile of small mortgage lenders.
The most common reason RiverHills Bank gave in 2025 was "incomplete application", cited on 54.1% 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 RiverHills Bank originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.17 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 83% of its applications were for home purchases, 17% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 85% conventional, 10% FHA, 4% 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.