River Valley AgCredit, ACA
River Valley AgCredit, ACA received 64 applications in 2025 and made 51 mortgages, in 20 counties across 2 states. The median rate its borrowers got was 7.050% on a median loan of $285,000. Of 58 decisions, 7 were denials — 12.1%, most often for credit history. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300N4V3ZDLXURNC25 |
|---|---|
| Applications received | 64 |
| Mortgages made | 51 |
| Denied | 7 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.84 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 31 | 7.050% | $265,000 | 0.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 10 | 7.125% | $300,000 | 33.3% |
Where River Valley AgCredit, ACA lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Graves County, KY | 7 | Under 10 loans | 0.0% |
| Marshall County, KY | 7 | Under 10 loans | 12.5% |
| McCracken County, KY | 6 | Under 10 loans | 0.0% |
| Bradley County, TN | 4 | Under 10 loans | 0.0% |
| Monroe County, TN | 3 | Under 10 loans | 0.0% |
| Polk County, TN | 3 | Under 10 loans | 0.0% |
| Loudon County, TN | 2 | Under 10 loans | 33.3% |
| McMinn County, TN | 2 | Under 10 loans | 50.0% |
| Roane County, TN | 2 | Under 10 loans | 0.0% |
| Weakley County, TN | 2 | Under 10 loans | 0.0% |
| Ballard County, KY | 1 | Under 10 loans | 0.0% |
| Calloway County, KY | 1 | Under 10 loans | 50.0% |
| Carlisle County, KY | 1 | Under 10 loans | 0.0% |
| Fulton County, KY | 1 | Under 10 loans | 0.0% |
| Hickman County, KY | 1 | Under 10 loans | 0.0% |
| Bledsoe County, TN | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
| Henry County, TN | 1 | Under 10 loans | 0.0% |
| Meigs County, TN | 1 | Under 10 loans | 0.0% |
| Rhea County, TN | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.