Rvr Bank 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%
49th10.0% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 226 | 176 | 7.1% | 7.2% | — | $27M |
| 2024 | 237 | 158 | 15.6% | 15.6% | — | $27M |
| 2025 | 281 | 222 | 10.0% | 10.0% | — | $47M |
What Rvr 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, 3 manufactured homes, 61 investment properties.
Who gets approved at Rvr Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 29 | 13.5% |
| $50k – $100k | 90 | 61 | 18.9% |
| $100k – $150k | 48 | 37 | 8.3% |
| $150k – $250k | 36 | 27 | 2.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 18 | 16.7% |
| 35–44 | 58 | 43 | 15.5% |
| 45–54 | 61 | 47 | 8.2% |
| 55–64 | 36 | 32 | 5.6% |
| 65–74 | 26 | 22 | 7.7% |
Where Rvr Bank lends
4 states and 21 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Rvr Bank denied 10.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of small mortgage lenders.
In 2025, 43% of its applications were for home purchases, 33% for refinancing (including cash-out), and 24% 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.