River Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, River Bank & Trust of Prattville, AL reported 1,691 mortgage applications totaling $410.9 million, up 12% from 2024. The average application was for $242,977, and applicants reported an average income of $216,304. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Montgomery, AL (271), Auburn-Opelika, AL (236) and Birmingham-Hoover, AL (236) (applications in parentheses).
| Mortgage Company & Address | River Bank & Trust 2611 Legends Drive Prattville, AL 36066 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,691 |
| Total Mortgage Loan Application Amount | $410,875,000 |
| Average Mortgage Loan Application Amount | $242,977 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $216,304 |
| Highest Applicant Income | $4,116,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lee, Alabama | 235 | $ 43,245,000 | $ 184,021 | $ 172,000 |
| Mobile, Alabama | 155 | $ 39,665,000 | $ 255,903 | $ 165,000 |
| Elmore, Alabama | 101 | $ 29,145,000 | $ 288,564 | $ 194,000 |
| Chilton, Alabama | 100 | $ 12,660,000 | $ 126,600 | $ 130,000 |
| Jefferson, Alabama | 97 | $ 35,235,000 | $ 363,247 | $ 345,000 |
| Tallapoosa, Alabama | 95 | $ 28,345,000 | $ 298,368 | $ 214,000 |
| Houston, Alabama | 92 | $ 25,590,000 | $ 278,152 | $ 490,000 |
| Montgomery, Alabama | 88 | $ 16,230,000 | $ 184,431 | $ 230,000 |
| Morgan, Alabama | 85 | $ 16,385,000 | $ 192,764 | $ 155,000 |
| Autauga, Alabama | 78 | $ 12,650,000 | $ 162,179 | $ 143,000 |
| Coffee, Alabama | 75 | $ 12,985,000 | $ 173,133 | $ 136,000 |
| Madison, Alabama | 72 | $ 20,610,000 | $ 286,250 | $ 174,000 |
| Baldwin, Alabama | 67 | $ 24,915,000 | $ 371,865 | $ 289,000 |
| Lauderdale, Alabama | 47 | $ 10,565,000 | $ 224,787 | $ 258,000 |
| Etowah, Alabama | 44 | $ 9,500,000 | $ 215,909 | $ 218,000 |
| Shelby, Alabama | 28 | $ 8,720,000 | $ 311,428 | $ 259,000 |
| Chambers, Alabama | 16 | $ 2,440,000 | $ 152,500 | $ 83,000 |
| Colbert, Alabama | 16 | $ 5,090,000 | $ 318,125 | $ 247,000 |
| Dale, Alabama | 16 | $ 3,760,000 | $ 235,000 | $ 120,000 |
| Bay, Florida | 13 | $ 4,625,000 | $ 355,769 | $ 429,000 |
| Coosa, Alabama | 11 | $ 2,845,000 | $ 258,636 | $ 370,000 |
| Geneva, Alabama | 11 | $ 1,905,000 | $ 173,181 | $ 129,000 |
| Limestone, Alabama | 9 | $ 2,075,000 | $ 230,555 | $ 128,000 |
| Lawrence, Alabama | 8 | $ 1,620,000 | $ 202,500 | $ 292,000 |
| Marshall, Alabama | 8 | $ 2,260,000 | $ 282,500 | $ 292,000 |
| Calhoun, Alabama | 7 | $ 3,055,000 | $ 436,428 | $ 180,000 |
| Henry, Alabama | 7 | $ 1,295,000 | $ 185,000 | $ 163,000 |
| Walton, Florida | 7 | $ 5,145,000 | $ 735,000 | $ 163,000 |
| Russell, Alabama | 6 | $ 750,000 | $ 125,000 | $ 67,000 |
| St. Clair, Alabama | 6 | $ 1,860,000 | $ 310,000 | $ 255,000 |
| Cullman, Alabama | 5 | $ 1,585,000 | $ 317,000 | $ 252,000 |
| Tuscaloosa, Alabama | 5 | $ 645,000 | $ 129,000 | $ 104,000 |
| Lowndes, Alabama | 4 | $ 1,240,000 | $ 310,000 | $ 194,000 |
| Randolph, Alabama | 4 | $ 440,000 | $ 110,000 | $ 115,000 |
| Washington, Alabama | 4 | $ 1,100,000 | $ 275,000 | $ 121,000 |
| Bibb, Alabama | 3 | $ 815,000 | $ 271,666 | $ 114,000 |
| Clay, Alabama | 3 | $ 565,000 | $ 188,333 | $ 63,000 |
| Dallas, Alabama | 3 | $ 325,000 | $ 108,333 | $ 72,000 |
| Cherokee, Georgia | 3 | $ 935,000 | $ 311,666 | $ 894,000 |
| Jackson, Mississippi | 3 | $ 1,475,000 | $ 491,666 | $ 94,000 |
| Barbour, Alabama | 2 | $ 130,000 | $ 65,000 | $ 65,000 |
| Cherokee, Alabama | 2 | $ 210,000 | $ 105,000 | $ 57,000 |
| Pike, Alabama | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Walker, Alabama | 2 | $ 740,000 | $ 370,000 | $ 183,000 |
| Gulf, Florida | 2 | $ 1,580,000 | $ 790,000 | $ 2,044,000 |
| Jackson, Florida | 2 | $ 1,990,000 | $ 995,000 | $ 359,000 |
| Fulton, Georgia | 2 | $ 1,060,000 | $ 530,000 | $ 144,000 |
| St. Tammany, Louisiana | 2 | $ 320,000 | $ 160,000 | $ 538,000 |
| George, Mississippi | 2 | $ 620,000 | $ 310,000 | $ 95,000 |
| Hamilton, Tennessee | 2 | $ 570,000 | $ 285,000 | $ 257,000 |
| Bullock, Alabama | 1 | $ 1,305,000 | $ 1,305,000 | $ 2,004,000 |
| Choctaw, Alabama | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Conecuh, Alabama | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Covington, Alabama | 1 | $ 105,000 | $ 105,000 | $ 124,000 |
| Crenshaw, Alabama | 1 | $ 575,000 | $ 575,000 | $ 190,000 |
| Escambia, Alabama | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| Macon, Alabama | 1 | $ 305,000 | $ 305,000 | $ 286,000 |
| Sumter, Alabama | 1 | $ 205,000 | $ 205,000 | $ 209,000 |
| Winston, Alabama | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Okaloosa, Florida | 1 | $ 315,000 | $ 315,000 | $ 156,000 |
| Santa Rosa, Florida | 1 | $ 65,000 | $ 65,000 | $ 135,000 |
| Chatham, Georgia | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Cobb, Georgia | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Dade, Georgia | 1 | $ 205,000 | $ 205,000 | $ 134,000 |
| Dougherty, Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 625,000 | $ 625,000 | $ 239,000 |
| Gwinnett, Georgia | 1 | $ 395,000 | $ 395,000 | $ 146,000 |
| Jackson, Georgia | 1 | $ 375,000 | $ 375,000 | $ 177,000 |
| Lee, Georgia | 1 | $ 515,000 | $ 515,000 | $ 190,000 |
| Stewart, Georgia | 1 | $ 575,000 | $ 575,000 | $ 130,000 |
| Gem, Idaho | 1 | $ 495,000 | $ 495,000 | $ 129,000 |
| Scott, Mississippi | 1 | $ 215,000 | $ 215,000 | $ 290,000 |
| Wayne, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Avery, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Jackson, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 480,000 |
| Bedford, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 228,000 |
| Lincoln, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 352,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 777 | $246,065,000 | $316,000 | $3,005,000 | $221,000 | $4,116,000 |
| Refinancing | 368 | $82,680,000 | $224,000 | $1,605,000 | $226,000 | $3,616,000 |
| Home Improvement | 280 | $32,760,000 | $117,000 | $1,305,000 | $202,000 | $3,141,000 |
| Other Purpose | 219 | $31,085,000 | $141,000 | $955,000 | $206,000 | $1,766,000 |
| Cash-out Refinancing | 47 | $18,285,000 | $389,000 | $1,105,000 | $196,000 | $1,236,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,317 | $320,675,000 | $243,000 | $3,005,000 | $215,000 | $3,640,000 |
| Not applicable | 199 | $45,155,000 | $226,000 | $2,655,000 | $0 | $0 |
| Black or African American | 64 | $11,840,000 | $185,000 | $795,000 | $122,000 | $420,000 |
| Hispanic | 39 | $10,295,000 | $263,000 | $1,705,000 | $245,000 | $4,116,000 |
| Asian | 33 | $8,505,000 | $257,000 | $855,000 | $348,000 | $1,015,000 |
| Not Provided | 30 | $10,240,000 | $341,000 | $955,000 | $210,000 | $1,213,000 |
| American Indian or Alaskan Native | 8 | $1,690,000 | $211,000 | $405,000 | $211,000 | $886,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $2,475,000 | $2,475,000 | $2,475,000 | $1,158,000 | $1,158,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,645 | $396,185,000 | $240,000 | $3,005,000 | $219,000 | $4,116,000 |
| VA-guaranteed (Veterans Administration) | 25 | $9,445,000 | $377,000 | $795,000 | $126,000 | $268,000 |
| FHA-insured (Federal Housing Administration) | 16 | $4,210,000 | $263,000 | $475,000 | $94,000 | $420,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,035,000 | $207,000 | $265,000 | $65,000 | $83,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,418 | $330,830,000 | $233,000 | $2,655,000 | $229,000 | $4,116,000 |
| Application Withdrawn By Applicant | 180 | $60,120,000 | $334,000 | $3,005,000 | $165,000 | $2,700,000 |
| Application Denied By Financial Institution | 68 | $11,080,000 | $162,000 | $925,000 | $96,000 | $420,000 |
| Application Approved But Not Accepted | 25 | $8,845,000 | $353,000 | $1,705,000 | $221,000 | $1,360,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,623 | $399,795,000 | $246,000 | $3,005,000 | $221,000 | $4,116,000 |
| Debt-To-Income Ratio | 31 | $4,835,000 | $155,000 | $805,000 | $83,000 | $224,000 |
| Credit History | 30 | $3,960,000 | $132,000 | $705,000 | $113,000 | $420,000 |
| Collateral | 2 | $240,000 | $120,000 | $125,000 | $67,000 | $105,000 |
| Other | 2 | $1,040,000 | $520,000 | $575,000 | $190,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $980,000 | $490,000 | $925,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into River Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess River Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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