River Region Credit Union: 2025 mortgage rates, costs & approvals
How River Region Credit Union priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: River Region Credit Union · LEI 549300HC0CLTNVGA0H76
In 2025, River Region Credit Union originated 555 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 690th by volume among the 2,017 lenders profiled here.
It denied 3.3% of completed home-purchase applications (all lenders: 8.5%).
How River Region Credit Union priced home-purchase loans
| Purchase loans, 2025 | River Region Credit Union | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where River Region Credit Union lends
Counties where River Region Credit Union is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cole County, MO | 3 | 139 | 11.2% |
| Boone County, MO | 3 | 178 | 7.1% |
| Moniteau County, MO | 5 | 14 | 6.9% |
| Osage County, MO | 5 | 14 | 6.6% |
| Knox County, MO | 4 | 2 | 6.3% |
| Callaway County, MO | 4 | 36 | 5.4% |
| Macon County, MO | 7 | 5 | 4.3% |
| Cooper County, MO | 8 | 9 | 3.9% |
| Miller County, MO | 5 | 12 | 3.6% |
| Morgan County, MO | 5 | 6 | 2.6% |
| Maries County, MO | 14 | 2 | 1.9% |
| Shannon County, MO | 17 | 1 | 1.7% |
| Howard County, MO | 12 | 2 | 1.5% |
| New Madrid County, MO | 17 | 2 | 1.5% |
| Harrison County, MO | 16 | 1 | 1.5% |
Check River Region Credit Union yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300HC0CLTNVGA0H76.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from River Region Credit Union with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology