Applications / Mortgage Analytics / Lenders / Kentucky / River City Bank
Louisville, KY · State non-member bank · FDIC · $494 million assets · 257 loans in 2025
River City Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
257
loans originated, 2025
366
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
River City Bank is a Louisville purchase lender that does far more of its business in poorer neighborhoods than most similar banks.
Purchases made up 77.0% of its 257 loans, refinances 14.4% and home improvement 7.8%. All were conventional. Its typical loan, $165,000, was close to the $175,000 at similar banks (state non-member banks making between half and twice as many loans), and up from $95,000 in 2020.
Some 30.9% of its loans were in low- and moderate-income (LMI) areas, against 17.2% at similar banks, a higher share than at more than four in five of them. LMI borrowers took 32.1%, against 28.1%.
Its loans rose 3% from 249, while similar banks grew 9% and the whole market 10%. Dollar volume rose faster, to $60.6 million from $47.6 million, because its typical loan grew. It still makes fewer loans than in 2018, when it made 391.
It ranks 50 of 510 lenders in Louisville, where it has lent since at least 1990. Its share eased to 0.5% from 0.6%, which its slower growth than the market's may account for. United Wholesale Mortgage leads the market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. River City Bank took 366 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.0% · Refinance 14.4% · Home improvement 7.8% · Other 0.8%
Conventional 100.0% · of 257 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 239 | 93.0% |
| Indiana | 18 | 7.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 247 |
| Elizabethtown | 3 |
| Cincinnati | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002UNUIL8WHZAD63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 396244 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326703 | 1990–2016 |
Established 26 June 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: River City Bank's data.
River City Bank's data
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River City Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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