River City Bank Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300TGUS6Y1N77GV58

Tax ID: 94-1562490

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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.

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Originations

54

Origination Dollar Volume (All Markets)

$315,100,000

Top 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%
River City Bank's top markets include Los Angeles, Reno, Dallas, Stockton, and Fresno among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 28 $26,400,000 $942,857 $0 0.00%
    Refi 21 $286,235,000 $13,630,238 $0 0.00%
    Home Improvement 3 $335,000 $111,667 $0 0.00%
    Other 2 $2,130,000 $1,065,000 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 26 $310,220,000 $11,931,538 $0 0.00%
    $100,000 or less 11 $275,000 $25,000 $0 0.00%
    $200k-400k 11 $2,425,000 $220,455 $0 0.00%
    $100k-200k 3 $435,000 $145,000 $0 0.00%
    $400k-600k 2 $950,000 $475,000 $0 0.00%
    $600k-1MM 1 $795,000 $795,000 $0 0.00%

    2023 saw River City Bank place emphasis on $1MM+ loans with 26 originations, totaling $310,220,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 11 $11,515,000 $1,046,818 $0 0.00%
    $50k-75k 10 $1,100,000 $110,000 $0 0.00%
    $75k-100k 5 $695,000 $139,000 $0 0.00%
    $50k or less 4 $100,000 $25,000 $0 0.00%
    $150k-250k 2 $640,000 $320,000 $0 0.00%
    $100k-150k 1 $255,000 $255,000 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 20 $300,550,000 $15,027,500 $0 0.00%
    White 17 $9,505,000 $559,118 $0 0.00%
    Not provided 7 $3,855,000 $550,714 $0 0.00%
    Asian 5 $505,000 $101,000 $0 0.00%
    Native Hawaiian or Islander 2 $240,000 $120,000 $0 0.00%
    Black 2 $240,000 $120,000 $0 0.00%
    Chinese 1 $205,000 $205,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.25%

    River City Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    92.59%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    54 $315,100,000 $5,835,185