Applications / Mortgage Analytics / Lenders / Ohio / River Valley Credit Union
Miamisburg, OH · Credit union · STATE · $492 million assets · 92 loans in 2025
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92
loans originated, 2025
127
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
River Valley Credit Union, of Miamisburg, Ohio, is almost purely a refinance lender: 91.3% of its 92 loans in 2025 were refinancings, most of them small.
Purchase loans were just 7.6% of its lending. Its typical loan was $65,000, against $100,000 at similar credit unions (credit unions making between half and twice as many loans), smaller than at about five in six of them. Loans that small may be borrowers drawing on the equity in homes they already own rather than replacing a whole mortgage.
Its typical rate was 5.75%, against 6.75% at similar credit unions, lower than at more than nine in ten. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.4% at its peers.
Its loans rose 15%, faster than the 7% at similar credit unions and the 10% for the whole market. They peaked at 181 in 2021. A lender that lives on refinancing would have had less to do once rates rose from the 3.00% it typically charged in 2020. Its 2014 merger with Firstday Financial Federal Credit Union counts in its market figures.
Low- and moderate-income neighborhoods took 20.6% of its loans in 2025, against 7.5% five years earlier and 17.3% at its peers. In Dayton, its largest market, it ranked 119 of 443 lenders with 0.1% of the market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. River Valley Credit Union took 127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 91.3% · Purchase 7.6% · Home improvement 1.1%
Conventional 100.0% · of 92 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 92 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 60 |
| Cincinnati | 30 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001D5DXR1S70P689 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 825285 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568475 | 2002–2017 |
Established 1 January 1949. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: River Valley Credit Union's data.
River Valley Credit Union's data
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River Valley Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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