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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.