River Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, River Bank & Trust of Prattville, AL reported 2,068 mortgage applications totaling $471.7 million, up 115% from 2021. The average application was for $228,080, and applicants reported an average income of $168,433. 92% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Montgomery, AL (491), Auburn-Opelika, AL (353) and Birmingham-Hoover, AL (177) (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 | 2,068 |
| Total Mortgage Loan Application Amount | $471,670,000 |
| Average Mortgage Loan Application Amount | $228,080 |
| Highest Mortgage Loan Application Amount | $5,285,000 |
| Average Applicant Income | $168,433 |
| Highest Applicant Income | $4,316,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 353 | $ 62,805,000 | $ 177,917 | $ 158,000 |
| Montgomery, Alabama | 185 | $ 35,795,000 | $ 193,486 | $ 173,000 |
| Elmore, Alabama | 170 | $ 43,810,000 | $ 257,705 | $ 172,000 |
| Tallapoosa, Alabama | 162 | $ 43,100,000 | $ 266,049 | $ 187,000 |
| Mobile, Alabama | 160 | $ 31,880,000 | $ 199,250 | $ 162,000 |
| Autauga, Alabama | 134 | $ 27,540,000 | $ 205,522 | $ 109,000 |
| Chilton, Alabama | 110 | $ 14,390,000 | $ 130,818 | $ 106,000 |
| Baldwin, Alabama | 103 | $ 48,565,000 | $ 471,504 | $ 267,000 |
| Coffee, Alabama | 100 | $ 19,680,000 | $ 196,800 | $ 141,000 |
| Morgan, Alabama | 90 | $ 16,200,000 | $ 180,000 | $ 164,000 |
| Etowah, Alabama | 73 | $ 14,695,000 | $ 201,301 | $ 180,000 |
| Houston, Alabama | 73 | $ 17,995,000 | $ 246,506 | $ 273,000 |
| Madison, Alabama | 56 | $ 10,330,000 | $ 184,464 | $ 159,000 |
| Jefferson, Alabama | 39 | $ 9,745,000 | $ 249,871 | $ 156,000 |
| Shelby, Alabama | 21 | $ 7,355,000 | $ 350,238 | $ 163,000 |
| Bay, Florida | 21 | $ 7,195,000 | $ 342,619 | $ 247,000 |
| Chambers, Alabama | 20 | $ 2,110,000 | $ 105,500 | $ 64,000 |
| Dale, Alabama | 18 | $ 3,950,000 | $ 219,444 | $ 123,000 |
| Coosa, Alabama | 12 | $ 3,010,000 | $ 250,833 | $ 155,000 |
| Henry, Alabama | 12 | $ 3,090,000 | $ 257,500 | $ 268,000 |
| Walton, Florida | 12 | $ 5,720,000 | $ 476,666 | $ 248,000 |
| Geneva, Alabama | 9 | $ 1,905,000 | $ 211,666 | $ 116,000 |
| Limestone, Alabama | 9 | $ 2,585,000 | $ 287,222 | $ 135,000 |
| Russell, Alabama | 8 | $ 1,070,000 | $ 133,750 | $ 60,000 |
| Lawrence, Alabama | 7 | $ 1,405,000 | $ 200,714 | $ 92,000 |
| Marshall, Alabama | 7 | $ 2,615,000 | $ 373,571 | $ 251,000 |
| Escambia, Florida | 7 | $ 2,225,000 | $ 317,857 | $ 147,000 |
| Calhoun, Alabama | 4 | $ 300,000 | $ 75,000 | $ 338,000 |
| Cullman, Alabama | 4 | $ 2,020,000 | $ 505,000 | $ 248,000 |
| Macon, Alabama | 4 | $ 420,000 | $ 105,000 | $ 74,000 |
| Tuscaloosa, Alabama | 4 | $ 910,000 | $ 227,500 | $ 437,000 |
| Fulton, Georgia | 4 | $ 2,130,000 | $ 532,500 | $ 177,000 |
| Blount, Alabama | 3 | $ 1,465,000 | $ 488,333 | $ 148,000 |
| St. Clair, Alabama | 3 | $ 765,000 | $ 255,000 | $ 70,000 |
| Okaloosa, Florida | 3 | $ 1,595,000 | $ 531,666 | $ 194,000 |
| Barbour, Alabama | 2 | $ 300,000 | $ 150,000 | $ 1,090,000 |
| Butler, Alabama | 2 | $ 330,000 | $ 165,000 | $ 42,000 |
| Cherokee, Alabama | 2 | $ 710,000 | $ 355,000 | $ 81,000 |
| Clay, Alabama | 2 | $ 80,000 | $ 40,000 | $ 45,000 |
| DeKalb, Alabama | 2 | $ 540,000 | $ 270,000 | $ 165,000 |
| Lowndes, Alabama | 2 | $ 420,000 | $ 210,000 | $ 139,000 |
| Randolph, Alabama | 2 | $ 210,000 | $ 105,000 | $ 47,000 |
| Talladega, Alabama | 2 | $ 550,000 | $ 275,000 | $ 82,000 |
| Winston, Alabama | 2 | $ 150,000 | $ 75,000 | $ 121,000 |
| Gulf, Florida | 2 | $ 1,670,000 | $ 835,000 | $ 319,000 |
| Hillsborough, Florida | 2 | $ 170,000 | $ 85,000 | $ 88,000 |
| St. Johns, Florida | 2 | $ 510,000 | $ 255,000 | $ 185,000 |
| Houston, Georgia | 2 | $ 610,000 | $ 305,000 | $ 69,000 |
| Jackson, Mississippi | 2 | $ 690,000 | $ 345,000 | $ 208,000 |
| Bibb, Alabama | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Bullock, Alabama | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Covington, Alabama | 1 | $ 405,000 | $ 405,000 | $ 206,000 |
| Crenshaw, Alabama | 1 | $ 315,000 | $ 315,000 | $ 244,000 |
| Dallas, Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Escambia, Alabama | 1 | $ 125,000 | $ 125,000 | $ 133,000 |
| Jackson, Alabama | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Lauderdale, Alabama | 1 | $ 175,000 | $ 175,000 | $ 131,000 |
| Pike, Alabama | 1 | $ 415,000 | $ 415,000 | $ 198,000 |
| Faulkner, Arkansas | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Santa Barbara, California | 1 | $ 565,000 | $ 565,000 | $ 84,000 |
| Summit, Colorado | 1 | $ 735,000 | $ 735,000 | $ 849,000 |
| Indian River, Florida | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Leon, Florida | 1 | $ 615,000 | $ 615,000 | $ 496,000 |
| Manatee, Florida | 1 | $ 805,000 | $ 805,000 | $ 488,000 |
| Okeechobee, Florida | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Cherokee, Georgia | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Cobb, Georgia | 1 | $ 445,000 | $ 445,000 | $ 221,000 |
| Fannin, Georgia | 1 | $ 105,000 | $ 105,000 | $ 279,000 |
| Harris, Georgia | 1 | $ 445,000 | $ 445,000 | $ 356,000 |
| Jackson, Georgia | 1 | $ 175,000 | $ 175,000 | $ 113,000 |
| Muscogee, Georgia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Troup, Georgia | 1 | $ 205,000 | $ 205,000 | $ 338,000 |
| Walton, Georgia | 1 | $ 405,000 | $ 405,000 | $ 138,000 |
| Ingham, Michigan | 1 | $ 205,000 | $ 205,000 | $ 643,000 |
| Forrest, Mississippi | 1 | $ 265,000 | $ 265,000 | $ 0 |
| George, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Harrison, Mississippi | 1 | $ 325,000 | $ 325,000 | $ 243,000 |
| Hinds, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 125,000 |
| Durham, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 1,255,000 |
| Macon, North Carolina | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 1,095,000 | $ 1,095,000 | $ 314,000 |
| Hamilton, Tennessee | 1 | $ 2,205,000 | $ 2,205,000 | $ 505,000 |
| Knox, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Lincoln, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Polk, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 314,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2022
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 | 1,214 | $341,180,000 | $281,000 | $5,285,000 | $165,000 | $4,316,000 |
| Refinancing | 438 | $85,290,000 | $194,000 | $2,955,000 | $175,000 | $2,347,000 |
| Other Purpose | 227 | $24,455,000 | $107,000 | $895,000 | $189,000 | $1,207,000 |
| Home Improvement | 171 | $15,355,000 | $89,000 | $755,000 | $150,000 | $1,121,000 |
| Cash-out Refinancing | 18 | $5,390,000 | $299,000 | $675,000 | $156,000 | $671,000 |
| 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 | 1,603 | $375,895,000 | $234,000 | $5,285,000 | $174,000 | $4,316,000 |
| Not applicable | 236 | $45,090,000 | $191,000 | $1,365,000 | $0 | $0 |
| Black or African American | 124 | $22,190,000 | $178,000 | $925,000 | $87,000 | $945,000 |
| Not Provided | 63 | $18,245,000 | $289,000 | $1,775,000 | $177,000 | $2,150,000 |
| Hispanic | 18 | $3,970,000 | $220,000 | $675,000 | $138,000 | $671,000 |
| Asian | 18 | $4,710,000 | $261,000 | $645,000 | $255,000 | $1,255,000 |
| American Indian or Alaskan Native | 3 | $385,000 | $128,000 | $195,000 | $165,000 | $246,000 |
| 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) | 2,057 | $468,615,000 | $227,000 | $5,285,000 | $169,000 | $4,316,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,610,000 | $326,000 | $565,000 | $104,000 | $236,000 |
| FHA-insured (Federal Housing Administration) | 3 | $445,000 | $148,000 | $225,000 | $129,000 | $194,000 |
| 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 | 1,909 | $442,305,000 | $231,000 | $5,285,000 | $176,000 | $4,316,000 |
| Application Denied By Financial Institution | 71 | $8,705,000 | $122,000 | $465,000 | $58,000 | $170,000 |
| Application Approved But Not Accepted | 69 | $17,285,000 | $250,000 | $2,905,000 | $122,000 | $1,393,000 |
| Application Withdrawn By Applicant | 19 | $3,375,000 | $177,000 | $705,000 | $150,000 | $852,000 |
| 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 | 1,997 | $462,965,000 | $231,000 | $5,285,000 | $173,000 | $4,316,000 |
| Credit History | 47 | $4,645,000 | $98,000 | $355,000 | $55,000 | $158,000 |
| Debt-To-Income Ratio | 18 | $3,040,000 | $168,000 | $465,000 | $59,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $245,000 | $81,000 | $105,000 | $90,000 | $170,000 |
| Other | 2 | $380,000 | $190,000 | $305,000 | $49,000 | $51,000 |
| Employment History | 1 | $395,000 | $395,000 | $395,000 | $83,000 | $83,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2022 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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