River Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, River Bank & Trust of Prattville, AL reported 715 mortgage applications totaling $79.4 million, up 32% from 2018. The average application was for $111,111, and applicants reported an average income of $124,173. 86% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Auburn-Opelika, AL (229), Montgomery, AL (134) and Birmingham-Hoover, AL (50) (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 | 715 |
| Total Mortgage Loan Application Amount | $79,445,000 |
| Average Mortgage Loan Application Amount | $111,111 |
| Highest Mortgage Loan Application Amount | $2,605,000 |
| Average Applicant Income | $124,173 |
| Highest Applicant Income | $6,774,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 229 | $ 18,055,000 | $ 78,842 | $ 109,000 |
| Tallapoosa, Alabama | 66 | $ 9,150,000 | $ 138,636 | $ 95,000 |
| Montgomery, Alabama | 56 | $ 6,900,000 | $ 123,214 | $ 128,000 |
| Mobile, Alabama | 44 | $ 5,540,000 | $ 125,909 | $ 106,000 |
| Chilton, Alabama | 42 | $ 3,440,000 | $ 81,904 | $ 117,000 |
| Elmore, Alabama | 42 | $ 5,800,000 | $ 138,095 | $ 101,000 |
| Autauga, Alabama | 36 | $ 3,430,000 | $ 95,277 | $ 99,000 |
| Etowah, Alabama | 34 | $ 4,070,000 | $ 119,705 | $ 86,000 |
| Houston, Alabama | 27 | $ 3,615,000 | $ 133,888 | $ 516,000 |
| Coffee, Alabama | 25 | $ 2,755,000 | $ 110,200 | $ 111,000 |
| Chambers, Alabama | 17 | $ 885,000 | $ 52,058 | $ 56,000 |
| Baldwin, Alabama | 16 | $ 3,630,000 | $ 226,875 | $ 236,000 |
| Russell, Alabama | 14 | $ 1,010,000 | $ 72,142 | $ 61,000 |
| Macon, Alabama | 9 | $ 1,005,000 | $ 111,666 | $ 68,000 |
| Bay, Florida | 5 | $ 935,000 | $ 187,000 | $ 206,000 |
| Coosa, Alabama | 4 | $ 340,000 | $ 85,000 | $ 70,000 |
| Dale, Alabama | 4 | $ 230,000 | $ 57,500 | $ 54,000 |
| Geneva, Alabama | 4 | $ 400,000 | $ 100,000 | $ 154,000 |
| Jefferson, Alabama | 4 | $ 520,000 | $ 130,000 | $ 389,000 |
| Randolph, Alabama | 3 | $ 145,000 | $ 48,333 | $ 51,000 |
| Shelby, Alabama | 3 | $ 695,000 | $ 231,666 | $ 167,000 |
| Talladega, Alabama | 2 | $ 210,000 | $ 105,000 | $ 96,000 |
| Faulkner, Arkansas | 2 | $ 210,000 | $ 105,000 | $ 142,000 |
| Walton, Florida | 2 | $ 540,000 | $ 270,000 | $ 76,000 |
| Barbour, Alabama | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Calhoun, Alabama | 1 | $ 225,000 | $ 225,000 | $ 191,000 |
| Cherokee, Alabama | 1 | $ 45,000 | $ 45,000 | $ 103,000 |
| Clay, Alabama | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Marshall, Alabama | 1 | $ 445,000 | $ 445,000 | $ 1,012,000 |
| Monroe, Alabama | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Pike, Alabama | 1 | $ 375,000 | $ 375,000 | $ 0 |
| St. Clair, Alabama | 1 | $ 85,000 | $ 85,000 | $ 731,000 |
| Escambia, Florida | 1 | $ 285,000 | $ 285,000 | $ 93,000 |
| Indian River, Florida | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Chattahoochee, Georgia | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Boone, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 284,000 |
| Charleston, South Carolina | 1 | $ 2,605,000 | $ 2,605,000 | $ 1,401,000 |
| Davidson, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 565,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2019
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 | 454 | $48,620,000 | $107,000 | $1,085,000 | $119,000 | $6,774,000 |
| Refinancing | 225 | $28,555,000 | $126,000 | $2,605,000 | $142,000 | $1,816,000 |
| Home Improvement | 21 | $1,135,000 | $54,000 | $205,000 | $73,000 | $167,000 |
| Other Purpose | 15 | $1,135,000 | $75,000 | $335,000 | $85,000 | $191,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 518 | $55,920,000 | $107,000 | $1,085,000 | $127,000 | $6,774,000 |
| Not applicable | 113 | $13,815,000 | $122,000 | $705,000 | $0 | $0 |
| Black or African American | 66 | $5,180,000 | $78,000 | $425,000 | $71,000 | $389,000 |
| Asian | 8 | $1,120,000 | $140,000 | $425,000 | $129,000 | $260,000 |
| Hispanic | 5 | $515,000 | $103,000 | $245,000 | $175,000 | $432,000 |
| Not Provided | 4 | $2,850,000 | $712,000 | $2,605,000 | $426,000 | $1,401,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $103,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 715 | $79,445,000 | $111,000 | $2,605,000 | $123,000 | $6,774,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 616 | $71,830,000 | $116,000 | $2,605,000 | $136,000 | $6,774,000 |
| Application Denied By Financial Institution | 80 | $5,920,000 | $74,000 | $475,000 | $58,000 | $175,000 |
| Application Approved But Not Accepted | 16 | $1,550,000 | $96,000 | $415,000 | $56,000 | $103,000 |
| Application Withdrawn By Applicant | 3 | $145,000 | $48,000 | $95,000 | $34,000 | $59,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 715 | $79,445,000 | $111,000 | $2,605,000 | $123,000 | $6,774,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into River Bank & Trust's 2019 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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