River City Bank
River City Bank received 63 applications in 2025 and made 48 mortgages, in 13 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $280,000. Of 61 decisions, 9 were denials — 14.8%.
| Legal Entity Identifier | 549300TGUS6Y1N77GV58 |
|---|---|
| Applications received | 63 |
| Mortgages made | 48 |
| Denied | 9 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: River City Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 29 | Not published | $35,000 | 0.0% |
| Refinancing | 14 | Not published | $1,250,000 | 6.7% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 57.1% |
Where River City Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sacramento County, CA | 28 | Not published | 11.4% |
| Yolo County, CA | 6 | Under 10 loans | 0.0% |
| Fresno County, CA | 2 | Under 10 loans | 0.0% |
| San Francisco County, CA | 2 | Under 10 loans | 33.3% |
| San Joaquin County, CA | 2 | Under 10 loans | 0.0% |
| Butte County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 80.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Utah County, UT | 1 | Under 10 loans | 0.0% |
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When River City Bank’s figures are published for the next year, or restated.
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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.