River City Bank
River City Bank received 81 applications in 2025 and made 64 mortgages, in 23 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 73 decisions, 3 were denials — 4.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TQIZ85N2EIS783 |
|---|---|
| Applications received | 81 |
| Mortgages made | 64 |
| Denied | 3 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: River City Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 37 | Not published | $165,000 | 4.7% |
| Refinancing | 22 | Not published | $120,000 | 4.4% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 0.0% |
Where River City Bank lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Floyd County, GA | 23 | Not published | 4.0% |
| Polk County, GA | 11 | Not published | 7.7% |
| Union County, GA | 6 | Under 10 loans | 14.3% |
| Gordon County, GA | 5 | Under 10 loans | 0.0% |
| DeKalb County, AL | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Towns County, GA | 2 | Under 10 loans | 0.0% |
| Etowah County, AL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Bartow County, GA | 1 | Under 10 loans | 0.0% |
| Chattooga County, GA | 1 | Under 10 loans | 0.0% |
| Fannin County, GA | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Gilmer County, GA | 1 | Under 10 loans | 0.0% |
| Muscogee County, GA | 1 | Under 10 loans | 0.0% |
| Pulaski County, GA | 1 | Under 10 loans | 0.0% |
| Whitfield County, GA | 1 | Under 10 loans | 0.0% |
| Cherokee County, NC | 1 | Under 10 loans | 0.0% |
| Clay County, NC | 1 | Under 10 loans | 0.0% |
| Jefferson County, TN | 1 | Under 10 loans | 0.0% |
| Cherokee County, AL | 0 | Under 10 loans | 0.0% |
| Haralson County, GA | 0 | Under 10 loans | Not published |
| Hamilton County, TN | 0 | Under 10 loans | 0.0% |
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When River City Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.