Lender in Missouri · HMDA 2025
River Region Credit Union mortgages in Missouri
River Region Credit Union's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
River Region Credit Union originated 554 owner-occupied single-family loans in Missouri from 718 completed applications.
Loans in MO
554
of 718 applications
Denial rate
3.3%
Purchase · MO 6.5%
Rate spread
—
Conv. · MO +0.24 pts
Loan amount
$255,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 482 | 396 | 3.3% | — | — | — | $255,000 |
| Refinance | 82 | 52 | 12.2% | — | — | — | $215,000 |
| Cash-out refinance | 154 | 106 | 13.0% | — | — | — | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where River Region Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Boone County | 3 | 178 | 7.1% |
| Cole County | 3 | 139 | 11.2% |
| Callaway County | 4 | 36 | 5.4% |
| Knox County | 4 | 2 | 6.3% |
| Moniteau County | 5 | 14 | 6.9% |
| Osage County | 5 | 14 | 6.6% |
| Miller County | 5 | 12 | 3.6% |
| Morgan County | 5 | 6 | 2.6% |
| Macon County | 7 | 5 | 4.3% |
| Cooper County | 8 | 9 | 3.9% |
| Howard County | 12 | 2 | 1.5% |
| Maries County | 14 | 2 | 1.9% |
| Harrison County | 16 | 1 | 1.5% |
| Randolph County | 17 | 5 | 1.4% |
| Audrain County | 17 | 4 | 1.3% |
| New Madrid County | 17 | 2 | 1.5% |
| Shannon County | 17 | 1 | 1.7% |
| Nodaway County | 20 | 2 | 1.0% |
| Camden County | 21 | 7 | 0.8% |
| Wayne County | 22 | 1 | 1.1% |
| Dallas County | 23 | 2 | 0.9% |
| Linn County | 24 | 1 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology