River City Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
21st12.4% deniedProcesswithdrawn + incomplete share, weight 15%
51st5.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 433 | 265 | 16.6% | 17.9% | — | $74M |
| 2024 | 408 | 249 | 17.9% | 19.3% | — | $87M |
| 2025 | 366 | 257 | 11.8% | 12.4% | — | $61M |
What River City Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 251 investment properties.
Who gets approved at River City Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 16 | 40.0% |
| $50k – $100k | 53 | 31 | 16.3% |
| $100k – $150k | 46 | 27 | 14.3% |
| $150k – $250k | 30 | 21 | 15.4% |
| Over $250k | 21 | 16 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 15 | 28.6% |
| 35–44 | 35 | 23 | 21.9% |
| 45–54 | 27 | 18 | 16.0% |
| 55–64 | 38 | 24 | 16.2% |
| 65–74 | 27 | 19 | 11.1% |
Where River City Bank lends
2 states and 17 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
River City Bank denied 12.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 21st percentile of investment-property lenders.
In 2025, 75% of its applications were for home purchases, 16% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.