River City Bank Mortgage Rates, Fees & Info
Sacramento, CALEI: 549300TGUS6Y1N77GV58
Tax ID: 94-1562490
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
River City Bank is a smaller bank specializing in Refi loans. River City Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Reno, Dallas, Stockton, and Fresno among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)River City Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
54Origination Dollar Volume (All Markets)
$315,100,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 8 | $68,340,000 | $8,542,500 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 2 | $54,310,000 | $27,155,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $45,810,000 | $22,905,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $30,710,000 | $15,355,000 | $0 | 0.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $30,005,000 | $30,005,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $21,005,000 | $21,005,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 32 | $18,910,000 | $590,938 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $16,005,000 | $16,005,000 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $14,655,000 | $14,655,000 | $0 | 0.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $6,805,000 | $6,805,000 | $0 | 0.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $6,005,000 | $6,005,000 | $0 | 0.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $2,405,000 | $2,405,000 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 54 | $315,100,000 | $5,835,185 | $0 | 0.00% |
For 2023, River City Bank's most frequently originated type of loan was Conventional, with 54 originations.
Loan Reason
For 2023, River City Bank's most frequently cited loan purpose was Home Purchase, with 28 originations. The 2nd most popular reason was Refi, with 21 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 54 | $315,100,000 | $5,835,185 | $0 | 0.00% |
For 2023, River City Bank's most frequently cited loan duration was Other, with 54 originations.
Loan Sizing
2023 saw River City Bank place emphasis on $1MM+ loans with 26 originations, totaling $310,220,000 in origination value.
Applicant Income
River City Bank lent most frequently to those with incomes in the $250k+ range, with 11 originations. The second most popular income band? $50k-75k, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 54 | $315,100,000 | $5,835,185 | $0 | 0.00% |
River City Bank lent most frequently to those with DTI ratios of Exempt%, with 54 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.25%
River City Bank has an average approval rate.
Pick Rate
Approvals leading to origination92.59%
River City Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 54 | $315,100,000 | $5,835,185 |