River City Bank, Inc. mortgage approval rate & lending review
River City Bank, Inc. decided 853 mortgage applications and funded 609 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions River City Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
River City Bank, Inc. at a glance
Approval is 2.9 points above the 82.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 72% | 116 / 160 | 72% | $275K | 84 |
| Refinance | 71% | 25 / 35 | 92% | $185K | 23 |
| Investment property purchase | 93% | 454 / 488 | 83% | $145K | 376 |
| Investment refinance | 85% | 70 / 82 | 94% | $125K | 66 |
| Investment home improvement | 81% | 59 / 73 | 95% | $55K | 56 |
River City Bank, Inc. lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where River City Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Investment property purchase | 93% | 445 | 342 |
| Jefferson County, KY | Mortgage lenders | 74% | 140 | 75 |
| Jefferson County, KY | Investment refinance | 87% | 75 | 61 |
| Jefferson County, KY | Investment home improvement | 80% | 66 | 51 |
| Clark County, IN | Investment property purchase | 100% | 25 | 23 |
| Jefferson County, KY | Refinance | 73% | 33 | 22 |
The county markets where River City Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about River City Bank, Inc.
What is River City Bank, Inc.'s mortgage approval rate?
River City Bank, Inc. approved 85.6% of the 853 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.9 points above the 82.6% national rate for the same mix of loan types.
How often do borrowers take the loan River City Bank, Inc. offers?
Borrowers accepted 83% of the loans River City Bank, Inc. approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does River City Bank, Inc. make?
The typical investment property mortgage loan River City Bank, Inc. made was $145K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does River City Bank, Inc. lend?
River City Bank, Inc. decided applications in 2 of the states Fat Boy Data covers, most of them in Kentucky and Indiana.
Can I apply to River City Bank, Inc. directly?
Yes. River City Bank, Inc. is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show River City Bank, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how River City Bank, Inc. treats applications, then get a rate quote from the lender.