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 score and performance metrics.

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 an overall pricing score of 9.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is River Valley AgCredit, ACA?

River Valley AgCredit, ACA is a Independent Mortgage Company headquartered in Paducah, KY.

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River Valley AgCredit, ACA

Independent Mortgage Company•Paducah, KYHQ•Direct•Reviews near you on Google

River Valley AgCredit, ACA has 32 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Active

Regional

Summary

Things to Think About

Rates typically 78 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

River Valley AgCredit, ACA performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+78.4 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Mediocre

Bottom 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Mediocre

Bottom 20% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Mediocre	Mediocre	Mediocre	Acceptable	31	96.9%	+0.784%Above	$3,521Fees

Conventional

Overall

Mediocre

Product

Mediocre

Pricing

Mediocre

Pull Through

Acceptable

Volume31

Mix96.9%

Spread

+0.784%Above

Fees

$3,521Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	10	31.3%	+0.780%Above	$3,536Fees
Refinance	Acceptable	Acceptable	—	Sound	22	68.8%	+0.785%Above	$3,517Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume10

Mix31.3%

Spread

+0.780%Above

Fees

$3,536Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume22

Mix68.8%

Spread

+0.785%Above

Fees

$3,517Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$8 million

Pricing & Closing

Avg Rate Spread

+0.784%

vs. market APOR

Avg Net Fees

$3,521

Origination − Credits

Pullthrough Rate

58.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$256,562

Avg Borrower Income

$129,656

Avg Property Value

$453,438

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

South2

KYTN

Top States by Place Specialization Score

TennesseeState

Volume 19Mix 59.38% of portfolio

54/100

Sound

KentuckyState

Volume 13Mix 40.62% of portfolio

51/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.