River Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, River Bank & Trust of Prattville, AL reported 119 mortgage applications totaling $18.1 million, down 44% from 2009. The average application was for $152,176, and applicants reported an average income of $75,638. 45% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Montgomery, AL (86), Birmingham-Hoover, AL (4) and Auburn-Opelika, AL (2) (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 | 119 |
| Total Mortgage Loan Application Amount | $18,109,000 |
| Average Mortgage Loan Application Amount | $152,176 |
| Highest Mortgage Loan Application Amount | $513,000 |
| Average Applicant Income | $75,638 |
| Highest Applicant Income | $546,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Autauga, Alabama | 31 | $ 3,575,000 | $ 115,322 | $ 63,000 |
| Elmore, Alabama | 29 | $ 3,615,000 | $ 124,655 | $ 56,000 |
| Montgomery, Alabama | 24 | $ 4,450,000 | $ 185,416 | $ 88,000 |
| Baldwin, Alabama | 3 | $ 725,000 | $ 241,666 | $ 214,000 |
| Chilton, Alabama | 3 | $ 421,000 | $ 140,333 | $ 67,000 |
| Lee, Alabama | 2 | $ 19,000 | $ 9,500 | $ 57,000 |
| Lowndes, Alabama | 2 | $ 196,000 | $ 98,000 | $ 38,000 |
| Bullock, Alabama | 1 | $ 274,000 | $ 274,000 | $ 97,000 |
| Coosa, Alabama | 1 | $ 417,000 | $ 417,000 | $ 210,000 |
| Dallas, Alabama | 1 | $ 211,000 | $ 211,000 | $ 37,000 |
| Jefferson, Alabama | 1 | $ 45,000 | $ 45,000 | $ 15,000 |
| Tallapoosa, Alabama | 1 | $ 83,000 | $ 83,000 | $ 87,000 |
| Escambia, Florida | 1 | $ 510,000 | $ 510,000 | $ 319,000 |
| Walton, Florida | 1 | $ 513,000 | $ 513,000 | $ 0 |
| Lowndes, Georgia | 1 | $ 100,000 | $ 100,000 | $ 546,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2010
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 | 69 | $11,121,000 | $161,000 | $510,000 | $77,000 | $546,000 |
| Refinancing | 42 | $6,432,000 | $153,000 | $513,000 | $76,000 | $467,000 |
| Home Improvement | 8 | $556,000 | $69,000 | $260,000 | $62,000 | $138,000 |
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 | 74 | $10,018,000 | $135,000 | $510,000 | $85,000 | $546,000 |
| Not Provided | 22 | $3,497,000 | $158,000 | $340,000 | $90,000 | $349,000 |
| Black or African American | 13 | $2,550,000 | $196,000 | $416,000 | $53,000 | $90,000 |
| Not applicable | 9 | $1,884,000 | $209,000 | $513,000 | $0 | $0 |
| Hispanic | 1 | $160,000 | $160,000 | $160,000 | $32,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 99 | $14,733,000 | $148,000 | $513,000 | $80,000 | $546,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,076,000 | $161,000 | $277,000 | $53,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 1 | $300,000 | $300,000 | $300,000 | $58,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 54 | $6,911,000 | $127,000 | $513,000 | $81,000 | $546,000 |
| Application Denied By Financial Institution | 35 | $5,770,000 | $164,000 | $416,000 | $57,000 | $149,000 |
| Application Withdrawn By Applicant | 22 | $4,386,000 | $199,000 | $417,000 | $98,000 | $349,000 |
| File Closed For Incompleteness | 8 | $1,042,000 | $130,000 | $274,000 | $61,000 | $141,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 23 | $3,666,000 | $159,000 | $416,000 | $45,000 | $102,000 |
| Credit History | 10 | $1,844,000 | $184,000 | $340,000 | $70,000 | $149,000 |
| Collateral | 2 | $260,000 | $130,000 | $154,000 | $116,000 | $141,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2010 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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