River Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, River Bank & Trust of Prattville, AL reported 869 mortgage applications totaling $143.5 million, up 22% from 2019. The average application was for $165,161, and applicants reported an average income of $174,157. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Auburn-Opelika, AL (213), Montgomery, AL (135) and Dothan, AL (72) (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 | 869 |
| Total Mortgage Loan Application Amount | $143,525,000 |
| Average Mortgage Loan Application Amount | $165,161 |
| Highest Mortgage Loan Application Amount | $4,375,000 |
| Average Applicant Income | $174,157 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 213 | $ 24,365,000 | $ 114,389 | $ 113,000 |
| Tallapoosa, Alabama | 96 | $ 20,750,000 | $ 216,145 | $ 254,000 |
| Mobile, Alabama | 68 | $ 8,500,000 | $ 125,000 | $ 140,000 |
| Houston, Alabama | 61 | $ 5,865,000 | $ 96,147 | $ 168,000 |
| Montgomery, Alabama | 57 | $ 9,355,000 | $ 164,122 | $ 255,000 |
| Chilton, Alabama | 51 | $ 4,485,000 | $ 87,941 | $ 92,000 |
| Elmore, Alabama | 48 | $ 12,180,000 | $ 253,750 | $ 187,000 |
| Baldwin, Alabama | 35 | $ 12,235,000 | $ 349,571 | $ 505,000 |
| Etowah, Alabama | 29 | $ 6,665,000 | $ 229,827 | $ 179,000 |
| Autauga, Alabama | 28 | $ 3,670,000 | $ 131,071 | $ 211,000 |
| Chambers, Alabama | 26 | $ 2,880,000 | $ 110,769 | $ 91,000 |
| Coffee, Alabama | 26 | $ 4,200,000 | $ 161,538 | $ 98,000 |
| Bay, Florida | 16 | $ 4,180,000 | $ 261,250 | $ 348,000 |
| Dale, Alabama | 10 | $ 1,480,000 | $ 148,000 | $ 156,000 |
| Macon, Alabama | 10 | $ 770,000 | $ 77,000 | $ 58,000 |
| Walton, Florida | 9 | $ 7,725,000 | $ 858,333 | $ 262,000 |
| Coosa, Alabama | 7 | $ 865,000 | $ 123,571 | $ 93,000 |
| Henry, Alabama | 6 | $ 1,430,000 | $ 238,333 | $ 122,000 |
| Jefferson, Alabama | 6 | $ 2,300,000 | $ 383,333 | $ 314,000 |
| Geneva, Alabama | 5 | $ 735,000 | $ 147,000 | $ 86,000 |
| Randolph, Alabama | 5 | $ 325,000 | $ 65,000 | $ 74,000 |
| Russell, Alabama | 5 | $ 285,000 | $ 57,000 | $ 40,000 |
| Calhoun, Alabama | 3 | $ 225,000 | $ 75,000 | $ 99,000 |
| Clay, Alabama | 3 | $ 255,000 | $ 85,000 | $ 61,000 |
| DeKalb, Alabama | 3 | $ 755,000 | $ 251,666 | $ 145,000 |
| Cherokee, Alabama | 2 | $ 550,000 | $ 275,000 | $ 48,000 |
| Lowndes, Alabama | 2 | $ 270,000 | $ 135,000 | $ 68,000 |
| Talladega, Alabama | 2 | $ 520,000 | $ 260,000 | $ 76,000 |
| Madison, Alabama | 1 | $ 615,000 | $ 615,000 | $ 194,000 |
| Shelby, Alabama | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| St. Clair, Alabama | 1 | $ 75,000 | $ 75,000 | $ 271,000 |
| Tuscaloosa, Alabama | 1 | $ 135,000 | $ 135,000 | $ 153,000 |
| Faulkner, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Escambia, Florida | 1 | $ 375,000 | $ 375,000 | $ 253,000 |
| Holmes, Florida | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Indian River, Florida | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Jackson, Florida | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 145,000 | $ 145,000 | $ 753,000 |
| Calhoun, Georgia | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Cherokee, Georgia | 1 | $ 825,000 | $ 825,000 | $ 2,912,000 |
| DeKalb, Georgia | 1 | $ 175,000 | $ 175,000 | $ 262,000 |
| Harris, Georgia | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Mitchell, Georgia | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| Stewart, Georgia | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Troup, Georgia | 1 | $ 625,000 | $ 625,000 | $ 256,000 |
| Walton, Georgia | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| St. Tammany, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 474,000 |
| Jackson, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 410,000 |
| Sevier, Tennessee | 1 | $ 525,000 | $ 525,000 | $ 0 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2020
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 | 528 | $90,790,000 | $171,000 | $4,375,000 | $167,000 | $9,999,000 |
| Refinancing | 307 | $50,285,000 | $163,000 | $1,955,000 | $193,000 | $2,092,000 |
| Other Purpose | 22 | $1,960,000 | $89,000 | $385,000 | $116,000 | $351,000 |
| Home Improvement | 11 | $445,000 | $40,000 | $85,000 | $119,000 | $355,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $55,000 | $55,000 |
| Cash-out Refinancing | 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 | 615 | $100,875,000 | $164,000 | $1,955,000 | $179,000 | $9,999,000 |
| Not applicable | 146 | $29,030,000 | $198,000 | $4,375,000 | $0 | $0 |
| Black or African American | 64 | $5,080,000 | $79,000 | $405,000 | $78,000 | $1,018,000 |
| Not Provided | 25 | $3,855,000 | $154,000 | $625,000 | $117,000 | $352,000 |
| Asian | 11 | $3,455,000 | $314,000 | $905,000 | $498,000 | $2,063,000 |
| Hispanic | 5 | $605,000 | $121,000 | $225,000 | $147,000 | $355,000 |
| American Indian or Alaskan Native | 3 | $625,000 | $208,000 | $395,000 | $136,000 | $228,000 |
| 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) | 867 | $143,305,000 | $165,000 | $4,375,000 | $173,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1 | $45,000 | $45,000 | $45,000 | $55,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 1 | $175,000 | $175,000 | $175,000 | $81,000 | $81,000 |
| 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 | 763 | $133,075,000 | $174,000 | $4,375,000 | $185,000 | $9,999,000 |
| Application Denied By Financial Institution | 76 | $6,090,000 | $80,000 | $765,000 | $52,000 | $200,000 |
| Application Approved But Not Accepted | 23 | $3,785,000 | $164,000 | $675,000 | $269,000 | $2,720,000 |
| Application Withdrawn By Applicant | 7 | $575,000 | $82,000 | $185,000 | $82,000 | $120,000 |
| 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 | 869 | $143,525,000 | $165,000 | $4,375,000 | $173,000 | $9,999,000 |
| 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 2020 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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