# RiverHills Bank

> **Canonical URL:** https://saferate.com/lenders/riverhills-bank


> **📋 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


RiverHills Bank is a bank, headquartered in Milford, OH, serving borrowers across 7 states, with 265 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300QHPJ9CLOLCVE82
- **Headquarters:** Milford, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, IN, KY, NC, OH, TN, VA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.262%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,414
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 265
- **Dollar Volume:** $69 million
- **Applications Received:** 366
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $260,358
- **Average Borrower Income:** $116,313
- **Average Property Value:** $315,528

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 217 | +0.247% | $1,393 | Sound ☺️ |
| FHA | 57/100 | 33 | +0.569% | $1,636 | Sound ☺️ |
| VA | 57/100 | 12 | -0.137% | $1,268 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 192 loans, Score: 50/100 (Sound)
- Refinance: 25 loans, Score: 39/100 (Acceptable)

**FHA:**
- Purchase: 30 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 236 | $62M | +0.274% | Sound ☺️ |
| Refinance | 40/100 | 29 | $7M | +0.179% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 226 | 0.17% | 74/100 |
| KY | 31 | 0.07% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 248 | 87/100 |

## Where This Lender Ranks

RiverHills Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Cincinnati, OH Banks
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks)
- 🏆 **#7** in Cincinnati, OH for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/va-loans)
- 🏆 **#9** in Cincinnati, OH
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders)
- 🏆 **#16** in Cincinnati, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#17** in Cincinnati, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does RiverHills Bank offer?

RiverHills Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RiverHills Bank offer mortgages?

RiverHills Bank offers mortgages in 7 states: FL, IN, KY, NC, OH, TN, VA.

### How competitive are RiverHills Bank's mortgage rates?

RiverHills Bank has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.262% above market average.

### What type of lender is RiverHills Bank?

RiverHills Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Milford, OH.

### What is RiverHills Bank's loan approval success rate?

RiverHills Bank has a pull-through score of 61/100 (Strong). 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/riverhills-bank

### How to Cite

> "RiverHills Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/riverhills-bank

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