HMDA records
67
2025
Institution profile
River City Bank (Sacramento, CA)
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
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HMDA activity
Public HMDA records are available for 2019–2025.
Loan originations
48
2025
Denials
9
2025
Withdrawals
1
2025
Denial rate among decisioned applications
14.8%
2025
Annual history
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 67 | 48 | 4 | 9 | 1 | 14.8% |
| 2024 | 91 | 59 | 1 | 5 | 2 | 7.7% |
| 2023 | 80 | 54 | 2 | 7 | 2 | 11.1% |
| 2019 | 103 | 78 | 3 | 16 | 6 | 16.5% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 67 |
| FHA | 0 |
| VA | 0 |
| RHS / FSA | 0 |
| Home purchase | 36 |
| Home improvement | 4 |
| Refinancing | 15 |
| Cash-out refinancing | 0 |
State reporting
4 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.