River City Bank Mortgage Rates, Fees & Info
Sacramento, CALEI: 549300TGUS6Y1N77GV58
Tax ID: 94-1562490
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
River City Bank is a smaller bank specializing in Home Purchase and Refi loans. River City Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, San Diego, Los Angeles, Oxnard, and Phoenix 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.
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Originations
59Origination Dollar Volume (All Markets)
$238,185,000Top 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 |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 32 | $80,060,000 | $2,501,875 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $44,660,000 | $11,165,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 8 | $42,050,000 | $5,256,250 | $0 | 0.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $26,020,000 | $6,505,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $15,005,000 | $15,005,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $8,005,000 | $8,005,000 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $7,625,000 | $2,541,667 | $0 | 0.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $6,005,000 | $6,005,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $3,505,000 | $3,505,000 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $3,355,000 | $3,355,000 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $1,245,000 | $1,245,000 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 59 | $238,185,000 | $4,037,034 | $0 | 0.00% |
For 2024, River City Bank's most frequently originated type of loan was Conventional, with 59 originations.
Loan Reason
For 2024, River City Bank's most frequently cited loan purpose was Home Purchase, with 29 originations. The 2nd most popular reason was Refi, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 59 | $238,185,000 | $4,037,034 | $0 | 0.00% |
For 2024, River City Bank's most frequently cited loan duration was Other, with 59 originations.
Loan Sizing
2024 saw River City Bank place emphasis on $1MM+ loans with 30 originations, totaling $233,460,000 in origination value.
Applicant Income
River City Bank lent most frequently to those with incomes in the $75k-100k range, with 10 originations. The second most popular income band? $250k+, with 9 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 59 | $238,185,000 | $4,037,034 | $0 | 0.00% |
River City Bank lent most frequently to those with DTI ratios of Exempt%, with 59 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.51%
River City Bank has an average approval rate.
Pick Rate
Approvals leading to origination94.92%
River City Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 59 | $238,185,000 | $4,037,034 |