River City Bank, Inc.
River City Bank, Inc. received 366 applications in 2025 and made 257 mortgages, in 17 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 346 decisions, 43 were denials — 12.4%.
| Legal Entity Identifier | 5493002UNUIL8WHZAD63 |
|---|---|
| Applications received | 366 |
| Mortgages made | 257 |
| Denied | 43 |
| Approved, not taken up | 46 |
| Withdrawn or incomplete | 20 |
| 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 | 198 | Not published | $180,000 | 9.2% |
| Refinancing | 36 | Not published | $150,000 | 21.2% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 22 | Not published | $55,000 | 25.8% |
Where River City Bank, Inc. lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, KY | 200 | Not published | 10.9% |
| Clark County, IN | 13 | Not published | 23.8% |
| Bullitt County, KY | 13 | Not published | 5.9% |
| Oldham County, KY | 6 | Under 10 loans | 12.5% |
| Floyd County, IN | 5 | Under 10 loans | 16.7% |
| Breckinridge County, KY | 3 | Under 10 loans | 25.0% |
| Hardin County, KY | 3 | Under 10 loans | 0.0% |
| Shelby County, KY | 3 | Under 10 loans | 20.0% |
| Spencer County, KY | 3 | Under 10 loans | 40.0% |
| Meade County, KY | 2 | Under 10 loans | 33.3% |
| Carroll County, KY | 1 | Under 10 loans | 0.0% |
| Grayson County, KY | 1 | Under 10 loans | 0.0% |
| Henry County, KY | 1 | Under 10 loans | 0.0% |
| Nelson County, KY | 1 | Under 10 loans | 0.0% |
| Pendleton County, KY | 1 | Under 10 loans | 0.0% |
| Russell County, KY | 1 | Under 10 loans | 0.0% |
| McCreary County, KY | 0 | Under 10 loans | 100.0% |
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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.