# River Valley AgCredit, ACA

> **Canonical URL:** https://saferate.com/lenders/river-valley-agcredit-aca


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


River Valley AgCredit, ACA is a independent mortgage company, headquartered in Paducah, KY, serving borrowers across 2 states, with 32 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 69% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300N4V3ZDLXURNC25
- **Headquarters:** Paducah, KY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KY, TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.784%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,521
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 32
- **Dollar Volume:** $8 million
- **Applications Received:** 55
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $256,562
- **Average Borrower Income:** $129,656
- **Average Property Value:** $453,438

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 17/100 | 31 | +0.784% | $3,521 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 22 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 10 | $3M | +0.780% | Mediocre 😐 |
| Refinance | 30/100 | 22 | $5M | +0.785% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 19 | 0.02% | 54/100 |
| KY | 13 | 0.03% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 21 | 43/100 |

## Frequently Asked Questions

### What loan types does River Valley AgCredit, ACA offer?

River Valley AgCredit, ACA offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does River Valley AgCredit, ACA offer mortgages?

River Valley AgCredit, ACA offers mortgages in 2 states: KY, TN.

### How competitive are River Valley AgCredit, ACA's mortgage rates?

River Valley AgCredit, ACA has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.784% above market average.

### What type of lender is River Valley AgCredit, ACA?

River Valley AgCredit, ACA is a non-depository lender that specializes in mortgage origination, headquartered in Paducah, KY.

### What is River Valley AgCredit, ACA's loan approval success rate?

River Valley AgCredit, ACA has a pull-through score of 31/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/river-valley-agcredit-aca

### How to Cite

> "River Valley AgCredit, ACA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/river-valley-agcredit-aca

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