# RIVER VALLEY CREDIT UNION, INC.

> **Canonical URL:** https://saferate.com/lenders/river-valley-credit-union


> **📋 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 CREDIT UNION, INC. is a credit union, headquartered in MIAMISBURG, OH, with 75 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001D5DXR1S70P689
- **Headquarters:** MIAMISBURG, OH
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OH
- **Markets (MSAs):** 2
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.203%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $375
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 75
- **Dollar Volume:** $6 million
- **Applications Received:** 97
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $86,067
- **Average Borrower Income:** $90,280
- **Average Property Value:** $305,267

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 75 | +0.203% | $375 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 61 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 14/100 | 14 | $3M | +0.145% | Mediocre 😐 |
| Refinance | 58/100 | 61 | $4M | +0.219% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 75 | 0.06% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dayton | OH | 50 | 67/100 |
| Cincinnati, OH |  | 24 | 58/100 |

## Where This Lender Ranks

RIVER VALLEY CREDIT UNION, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Dayton Credit Unions
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Dayton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Dayton
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does RIVER VALLEY CREDIT UNION, INC. offer?

RIVER VALLEY CREDIT UNION, INC. 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 CREDIT UNION, INC. offer mortgages?

RIVER VALLEY CREDIT UNION, INC. offers mortgages in 1 states: OH.

### How competitive are RIVER VALLEY CREDIT UNION, INC.'s mortgage rates?

RIVER VALLEY CREDIT UNION, INC. has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.203% above market average.

### What type of lender is RIVER VALLEY CREDIT UNION, INC.?

RIVER VALLEY CREDIT UNION, INC. is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in MIAMISBURG, OH.

### What is RIVER VALLEY CREDIT UNION, INC.'s loan approval success rate?

RIVER VALLEY CREDIT UNION, INC. has a pull-through score of 48/100 (Sound). 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-credit-union

### How to Cite

> "RIVER VALLEY CREDIT UNION, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/river-valley-credit-union

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