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Home Mortgage
Come Home to a Better Mortgage Experience.


There are very few things in life as valuable—or personal—as your home. It’s the focal point of your family and the realization of your dream. At River City Bank, we value the idea of home ownership as much as you do, and we’ve introduced an entirely new level of customer focus to the home ownership journey.

Whether you’re looking to refinance or remodel, you can count on River City Bank to make the entire mortgage process personalized and satisfying. As the largest locally owned bank in the region, our decisions are all made right here at our Sacramento headquarters. This means that, in addition to peerless service, you’ll enjoy the fastest possible credit decision. It’s a combination you won’t find anywhere else.

For current rates or to apply, please contact us at (916) 567-2755.

Mortgage Loan Applications are accepted from residents of, with properties located in, the following Counties of the State of California: Sacramento, Yolo, Placer, and El Dorado.

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Loan Programs.

Fixed-Rate Mortgages*

Enjoy peace of mind knowing that your monthly payments will not increase. We offer flexible fixed-rate mortgage terms and programs for owner-occupied refinance requests.

Jumbo Loans*

This program allows you to borrow increased loan amounts, above the conforming limits for owner-occupied refinance requests.

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Discover What the Right Loan Can Do.

At River City Bank, we offer real estate loan programs and terms to fit your budget and your unique needs. Plus you can count on us to provide you with the highest quality of customer service to make your home refinance a positive experience.

National Multistate Licensing Registry Information for River City Bank Mortgage Loan Originators

The NMLS ID is a unique identification number that is issued by the Nationwide Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO).

River City Bank Mortgage Loan Originator Information:


  • Jennifer E. Tatum 445902
  • Janette Moynier 741270
  • Carolyn Turner 1113157
  • Donna Sutherland 1782319
  • Amanda Semeryuk 1872292
  • Lauren Falk 2054021
  • River City Bank 442786

Consumer Mortgage & Equity Assistance

If you are experiencing financial hardship or foresee difficulty in managing future payments, we may have options to assist you.  For more information please call us Monday through Friday from 8:00 a.m. to 5:00 p.m. PST at (916) 567-2755 or (800) 564-7144You may also reach us by email.

Sacramento Housing & Redevelopment Agency (SHRA)
The SHRA offers a list of resources with links to agencies that can provide counseling and additional helpful information if you are facing default or foreclosure on your mortgage loan. Click to view the SHRA website.

U.S. Department of Housing and Urban Development
HUD’s (U.S. Department of Housing and Urban Development) mission is to increase home ownership, support community development, and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management, and accountability and forge new partnerships—particularly with faith-based and community organizations—that leverage resources and improve HUD’s ability to be effective on the community level.

To find a HUD-certified housing counseling agency, call (800) 569-4287 or search for a HUD-Approved Housing Counseling Agency online.