Applications / Mortgage Analytics / Lenders / California / River City Bank
Sacramento, CA · State non-member bank · FDIC · $5.8 billion assets · 48 loans in 2025
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48
loans originated, 2025
63
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
River City Bank, a Sacramento bank with $5.8 billion in assets, makes few home loans, and nearly half of them go to majority-minority neighborhoods.
Some 47.9% of its 48 loans in 2025 went to majority-minority neighborhoods, against 5.7% at the typical similar lender (state non-member banks making between half and twice as many loans). That is higher than nine in ten of them, and the share was about as high in 2024. It also lent more in low- and moderate-income neighborhoods, 27.1% against 18.5%. The places it lends may account for much of this.
Its typical loan was $315,000, against $165,000 at similar lenders, larger than more than four in five of them. Its loan sizes move a lot from year to year: the typical loan was $1.0 million in 2024. With so few loans, one year says little about what kind of borrower it serves.
Its loans fell 19% in 2025, from 59 to 48, while similar lenders grew 4% and the whole market 10%. At this size, about a dozen loans either way makes that kind of swing. The bank filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
In Sacramento it ranks 70 of 574 lenders, with 0.3% of the dollars, down from 0.5%; smaller loans could explain much of that fall. United Wholesale Mortgage leads there. The bank entered Provo and Santa Maria in 2025 and now lends in ten metros across three states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. River City Bank took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.4% · Refinance 29.2% · Other 10.4%
Conventional 100.0% · of 48 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 |
|---|---|---|
| California | 46 | 95.8% |
| Texas | 1 | 2.1% |
| Utah | 1 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 36 |
| Fresno | 2 |
| San Francisco-San Mateo-Redwood City | 2 |
| Stockton-Lodi | 2 |
| Chico | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
| Provo-Orem-Lehi | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Santa Maria-Santa Barbara | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TGUS6Y1N77GV58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 253468 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318983 | 1990–2017 |
Established 16 December 1963. 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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