River Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, River Bank & Trust of Prattville, AL reported 964 mortgage applications totaling $182.4 million, up 11% from 2020. The average application was for $189,211, and applicants reported an average income of $165,134. 89% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Auburn-Opelika, AL (228), Montgomery, AL (157) and Mobile, AL (84) (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 | 964 |
| Total Mortgage Loan Application Amount | $182,400,000 |
| Average Mortgage Loan Application Amount | $189,211 |
| Highest Mortgage Loan Application Amount | $2,405,000 |
| Average Applicant Income | $165,134 |
| Highest Applicant Income | $4,445,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 228 | $ 22,790,000 | $ 99,956 | $ 124,000 |
| Mobile, Alabama | 83 | $ 11,995,000 | $ 144,518 | $ 154,000 |
| Montgomery, Alabama | 78 | $ 11,650,000 | $ 149,358 | $ 116,000 |
| Tallapoosa, Alabama | 78 | $ 22,230,000 | $ 285,000 | $ 176,000 |
| Houston, Alabama | 60 | $ 13,310,000 | $ 221,833 | $ 301,000 |
| Chilton, Alabama | 56 | $ 4,160,000 | $ 74,285 | $ 79,000 |
| Baldwin, Alabama | 51 | $ 18,605,000 | $ 364,803 | $ 261,000 |
| Coffee, Alabama | 47 | $ 8,555,000 | $ 182,021 | $ 115,000 |
| Etowah, Alabama | 45 | $ 8,965,000 | $ 199,222 | $ 160,000 |
| Elmore, Alabama | 43 | $ 11,215,000 | $ 260,813 | $ 140,000 |
| Autauga, Alabama | 35 | $ 4,765,000 | $ 136,142 | $ 94,000 |
| Bay, Florida | 22 | $ 7,050,000 | $ 320,454 | $ 252,000 |
| Chambers, Alabama | 17 | $ 705,000 | $ 41,470 | $ 52,000 |
| Morgan, Alabama | 13 | $ 1,855,000 | $ 142,692 | $ 105,000 |
| Walton, Florida | 13 | $ 8,765,000 | $ 674,230 | $ 380,000 |
| Coosa, Alabama | 11 | $ 2,255,000 | $ 205,000 | $ 133,000 |
| Dale, Alabama | 6 | $ 380,000 | $ 63,333 | $ 162,000 |
| Jefferson, Alabama | 6 | $ 2,400,000 | $ 400,000 | $ 1,263,000 |
| Macon, Alabama | 5 | $ 465,000 | $ 93,000 | $ 54,000 |
| Madison, Alabama | 5 | $ 1,575,000 | $ 315,000 | $ 0 |
| Shelby, Alabama | 5 | $ 1,245,000 | $ 249,000 | $ 537,000 |
| Tuscaloosa, Alabama | 5 | $ 1,325,000 | $ 265,000 | $ 410,000 |
| Randolph, Alabama | 4 | $ 420,000 | $ 105,000 | $ 86,000 |
| Escambia, Florida | 4 | $ 1,830,000 | $ 457,500 | $ 863,000 |
| Calhoun, Alabama | 3 | $ 895,000 | $ 298,333 | $ 145,000 |
| Cherokee, Alabama | 2 | $ 200,000 | $ 100,000 | $ 156,000 |
| DeKalb, Alabama | 2 | $ 270,000 | $ 135,000 | $ 39,000 |
| Geneva, Alabama | 2 | $ 110,000 | $ 55,000 | $ 51,000 |
| Russell, Alabama | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| Okaloosa, Florida | 2 | $ 1,340,000 | $ 670,000 | $ 348,000 |
| Barbour, Alabama | 1 | $ 495,000 | $ 495,000 | $ 198,000 |
| Bibb, Alabama | 1 | $ 275,000 | $ 275,000 | $ 45,000 |
| Bullock, Alabama | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Clarke, Alabama | 1 | $ 55,000 | $ 55,000 | $ 168,000 |
| Clay, Alabama | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Cullman, Alabama | 1 | $ 205,000 | $ 205,000 | $ 1,408,000 |
| Henry, Alabama | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Lawrence, Alabama | 1 | $ 125,000 | $ 125,000 | $ 175,000 |
| Limestone, Alabama | 1 | $ 165,000 | $ 165,000 | $ 33,000 |
| Lowndes, Alabama | 1 | $ 485,000 | $ 485,000 | $ 257,000 |
| Marshall, Alabama | 1 | $ 795,000 | $ 795,000 | $ 819,000 |
| Pike, Alabama | 1 | $ 85,000 | $ 85,000 | $ 73,000 |
| Washington, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Winston, Alabama | 1 | $ 435,000 | $ 435,000 | $ 72,000 |
| Faulkner, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 113,000 |
| Lee, Florida | 1 | $ 805,000 | $ 805,000 | $ 364,000 |
| Baker, Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Fulton, Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Seminole, Georgia | 1 | $ 105,000 | $ 105,000 | $ 195,000 |
| Orleans, Louisiana | 1 | $ 405,000 | $ 405,000 | $ 414,000 |
| Cumberland, Maine | 1 | $ 2,175,000 | $ 2,175,000 | $ 0 |
| Lafayette, Mississippi | 1 | $ 265,000 | $ 265,000 | $ 289,000 |
| Oktibbeha, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Powell, Montana | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2021
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 | 623 | $122,495,000 | $196,000 | $2,405,000 | $162,000 | $4,445,000 |
| Refinancing | 304 | $55,250,000 | $181,000 | $2,175,000 | $176,000 | $2,448,000 |
| Home Improvement | 15 | $1,135,000 | $75,000 | $375,000 | $90,000 | $211,000 |
| Cash-out Refinancing | 11 | $2,045,000 | $185,000 | $855,000 | $146,000 | $707,000 |
| Other Purpose | 11 | $1,475,000 | $134,000 | $625,000 | $164,000 | $460,000 |
| 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 | 675 | $127,115,000 | $188,000 | $1,675,000 | $168,000 | $4,445,000 |
| Not applicable | 182 | $36,820,000 | $202,000 | $2,405,000 | $0 | $0 |
| Black or African American | 59 | $5,385,000 | $91,000 | $505,000 | $79,000 | $444,000 |
| Not Provided | 26 | $7,430,000 | $285,000 | $1,905,000 | $210,000 | $1,403,000 |
| Asian | 14 | $4,830,000 | $345,000 | $1,045,000 | $258,000 | $1,192,000 |
| Hispanic | 6 | $550,000 | $91,000 | $195,000 | $302,000 | $1,112,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $166,000 | $166,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $48,000 | $48,000 |
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) | 963 | $182,145,000 | $189,000 | $2,405,000 | $165,000 | $4,445,000 |
| VA-guaranteed (Veterans Administration) | 1 | $255,000 | $255,000 | $255,000 | $52,000 | $52,000 |
| 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 |
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 | 861 | $168,235,000 | $195,000 | $2,405,000 | $178,000 | $4,445,000 |
| Application Denied By Financial Institution | 60 | $6,080,000 | $101,000 | $565,000 | $61,000 | $373,000 |
| Application Withdrawn By Applicant | 23 | $4,925,000 | $214,000 | $545,000 | $111,000 | $414,000 |
| Application Approved But Not Accepted | 20 | $3,160,000 | $158,000 | $405,000 | $105,000 | $275,000 |
| 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 | 904 | $176,320,000 | $195,000 | $2,405,000 | $174,000 | $4,445,000 |
| Credit History | 44 | $3,630,000 | $82,000 | $265,000 | $54,000 | $124,000 |
| Debt-To-Income Ratio | 13 | $1,715,000 | $131,000 | $375,000 | $63,000 | $168,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $81,000 | $81,000 |
| Unverifiable Information | 1 | $565,000 | $565,000 | $565,000 | $373,000 | $373,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $36,000 | $36,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into River Bank & Trust's 2021 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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