River Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, River Bank & Trust of Prattville, AL reported 1,840 mortgage applications totaling $451.7 million, down 11% from 2022. The average application was for $245,510, and applicants reported an average income of $181,235. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Montgomery, AL (319), Auburn-Opelika, AL (278) and Birmingham-Hoover, AL (200) (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 | 1,840 |
| Total Mortgage Loan Application Amount | $451,740,000 |
| Average Mortgage Loan Application Amount | $245,510 |
| Highest Mortgage Loan Application Amount | $19,505,000 |
| Average Applicant Income | $181,235 |
| Highest Applicant Income | $3,879,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 278 | $ 49,990,000 | $ 179,820 | $ 165,000 |
| Mobile, Alabama | 189 | $ 50,085,000 | $ 265,000 | $ 162,000 |
| Baldwin, Alabama | 125 | $ 54,205,000 | $ 433,640 | $ 225,000 |
| Tallapoosa, Alabama | 120 | $ 36,400,000 | $ 303,333 | $ 170,000 |
| Montgomery, Alabama | 117 | $ 21,275,000 | $ 181,837 | $ 193,000 |
| Elmore, Alabama | 115 | $ 20,755,000 | $ 180,478 | $ 125,000 |
| Jefferson, Alabama | 94 | $ 43,200,000 | $ 459,574 | $ 230,000 |
| Autauga, Alabama | 85 | $ 17,285,000 | $ 203,352 | $ 126,000 |
| Morgan, Alabama | 85 | $ 17,295,000 | $ 203,470 | $ 154,000 |
| Chilton, Alabama | 77 | $ 10,515,000 | $ 136,558 | $ 117,000 |
| Coffee, Alabama | 73 | $ 13,285,000 | $ 181,986 | $ 134,000 |
| Houston, Alabama | 67 | $ 15,805,000 | $ 235,895 | $ 300,000 |
| Madison, Alabama | 60 | $ 15,250,000 | $ 254,166 | $ 179,000 |
| Etowah, Alabama | 44 | $ 8,000,000 | $ 181,818 | $ 192,000 |
| Chambers, Alabama | 24 | $ 4,010,000 | $ 167,083 | $ 102,000 |
| Lauderdale, Alabama | 24 | $ 4,810,000 | $ 200,416 | $ 219,000 |
| Dale, Alabama | 23 | $ 5,965,000 | $ 259,347 | $ 163,000 |
| Shelby, Alabama | 21 | $ 5,485,000 | $ 261,190 | $ 280,000 |
| Coosa, Alabama | 20 | $ 4,830,000 | $ 241,500 | $ 297,000 |
| Geneva, Alabama | 13 | $ 2,575,000 | $ 198,076 | $ 168,000 |
| Bay, Florida | 13 | $ 3,705,000 | $ 285,000 | $ 249,000 |
| Henry, Alabama | 10 | $ 1,460,000 | $ 146,000 | $ 131,000 |
| Cullman, Alabama | 9 | $ 2,955,000 | $ 328,333 | $ 267,000 |
| Lawrence, Alabama | 8 | $ 2,830,000 | $ 353,750 | $ 157,000 |
| Macon, Alabama | 8 | $ 790,000 | $ 98,750 | $ 71,000 |
| Talladega, Alabama | 8 | $ 1,040,000 | $ 130,000 | $ 92,000 |
| Tuscaloosa, Alabama | 8 | $ 1,050,000 | $ 131,250 | $ 282,000 |
| Walton, Florida | 8 | $ 1,880,000 | $ 235,000 | $ 260,000 |
| Marshall, Alabama | 7 | $ 2,715,000 | $ 387,857 | $ 243,000 |
| Limestone, Alabama | 6 | $ 1,760,000 | $ 293,333 | $ 288,000 |
| St. Clair, Alabama | 6 | $ 1,280,000 | $ 213,333 | $ 217,000 |
| Colbert, Alabama | 5 | $ 1,225,000 | $ 245,000 | $ 161,000 |
| Escambia, Florida | 5 | $ 2,535,000 | $ 507,000 | $ 428,000 |
| Calhoun, Alabama | 4 | $ 1,810,000 | $ 452,500 | $ 242,000 |
| Russell, Alabama | 4 | $ 660,000 | $ 165,000 | $ 101,000 |
| Winston, Alabama | 4 | $ 1,140,000 | $ 285,000 | $ 333,000 |
| Butler, Alabama | 3 | $ 225,000 | $ 75,000 | $ 37,000 |
| Pike, Alabama | 3 | $ 755,000 | $ 251,666 | $ 175,000 |
| Jackson, Florida | 3 | $ 735,000 | $ 245,000 | $ 113,000 |
| Blount, Alabama | 2 | $ 470,000 | $ 235,000 | $ 209,000 |
| Cherokee, Alabama | 2 | $ 270,000 | $ 135,000 | $ 88,000 |
| Covington, Alabama | 2 | $ 480,000 | $ 240,000 | $ 146,000 |
| Dallas, Alabama | 2 | $ 240,000 | $ 120,000 | $ 97,000 |
| Lowndes, Alabama | 2 | $ 570,000 | $ 285,000 | $ 141,000 |
| Okaloosa, Florida | 2 | $ 1,140,000 | $ 570,000 | $ 184,000 |
| Santa Rosa, Florida | 2 | $ 290,000 | $ 145,000 | $ 107,000 |
| Cherokee, Georgia | 2 | $ 430,000 | $ 215,000 | $ 206,000 |
| Fannin, Georgia | 2 | $ 1,470,000 | $ 735,000 | $ 2,065,000 |
| Honolulu, Hawaii | 2 | $ 950,000 | $ 475,000 | $ 369,000 |
| George, Mississippi | 2 | $ 520,000 | $ 260,000 | $ 138,000 |
| Davidson, Tennessee | 2 | $ 910,000 | $ 455,000 | $ 474,000 |
| Sevier, Tennessee | 2 | $ 2,350,000 | $ 1,175,000 | $ 2,065,000 |
| Barbour, Alabama | 1 | $ 65,000 | $ 65,000 | $ 134,000 |
| Bullock, Alabama | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Clarke, Alabama | 1 | $ 105,000 | $ 105,000 | $ 233,000 |
| DeKalb, Alabama | 1 | $ 1,065,000 | $ 1,065,000 | $ 0 |
| Escambia, Alabama | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Marengo, Alabama | 1 | $ 75,000 | $ 75,000 | $ 264,000 |
| Randolph, Alabama | 1 | $ 55,000 | $ 55,000 | $ 155,000 |
| Walker, Alabama | 1 | $ 265,000 | $ 265,000 | $ 169,000 |
| Washington, Alabama | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Denver, Colorado | 1 | $ 595,000 | $ 595,000 | $ 144,000 |
| Gulf, Florida | 1 | $ 355,000 | $ 355,000 | $ 272,000 |
| Indian River, Florida | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Cobb, Georgia | 1 | $ 325,000 | $ 325,000 | $ 133,000 |
| Colquitt, Georgia | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Fulton, Georgia | 1 | $ 135,000 | $ 135,000 | $ 499,000 |
| Gilmer, Georgia | 1 | $ 285,000 | $ 285,000 | $ 396,000 |
| Harris, Georgia | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Lumpkin, Georgia | 1 | $ 215,000 | $ 215,000 | $ 274,000 |
| Muscogee, Georgia | 1 | $ 105,000 | $ 105,000 | $ 212,000 |
| Towns, Georgia | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Harrison, Mississippi | 1 | $ 435,000 | $ 435,000 | $ 152,000 |
| Hinds, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Tallahatchie, Mississippi | 1 | $ 325,000 | $ 325,000 | $ 495,000 |
| Brunswick, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 65,000 |
| Buncombe, North Carolina | 1 | $ 1,265,000 | $ 1,265,000 | $ 650,000 |
| Macon, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Richland, South Carolina | 1 | $ 315,000 | $ 315,000 | $ 402,000 |
| Bedford, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 158,000 |
| Hamilton, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lincoln, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 62,000 |
| Maury, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 495,000 | $ 495,000 | $ 145,000 |
| Williamson, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Rockwall, Texas | 1 | $ 275,000 | $ 275,000 | $ 52,000 |
| Norfolk, Virginia | 1 | $ 315,000 | $ 315,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2023
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 | 1,053 | $332,815,000 | $316,000 | $19,505,000 | $179,000 | $2,065,000 |
| Other Purpose | 274 | $35,750,000 | $130,000 | $1,105,000 | $180,000 | $1,545,000 |
| Refinancing | 269 | $48,705,000 | $181,000 | $865,000 | $175,000 | $1,600,000 |
| Home Improvement | 226 | $27,920,000 | $123,000 | $1,105,000 | $190,000 | $3,879,000 |
| Cash-out Refinancing | 18 | $6,550,000 | $363,000 | $2,425,000 | $314,000 | $1,500,000 |
| 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 | 1,434 | $337,330,000 | $235,000 | $3,505,000 | $180,000 | $3,879,000 |
| Not applicable | 185 | $57,565,000 | $311,000 | $19,505,000 | $0 | $0 |
| Black or African American | 83 | $16,155,000 | $194,000 | $1,345,000 | $119,000 | $568,000 |
| Not Provided | 66 | $20,360,000 | $308,000 | $2,565,000 | $176,000 | $739,000 |
| Asian | 34 | $10,740,000 | $315,000 | $1,365,000 | $407,000 | $2,065,000 |
| Hispanic | 29 | $7,355,000 | $253,000 | $1,045,000 | $175,000 | $709,000 |
| American Indian or Alaskan Native | 5 | $1,465,000 | $293,000 | $585,000 | $211,000 | $639,000 |
| 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) | 1,810 | $444,600,000 | $245,000 | $19,505,000 | $184,000 | $3,879,000 |
| FHA-insured (Federal Housing Administration) | 19 | $4,025,000 | $211,000 | $395,000 | $84,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,645,000 | $293,000 | $545,000 | $89,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $470,000 | $235,000 | $305,000 | $74,000 | $110,000 |
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 | 1,610 | $393,140,000 | $244,000 | $19,505,000 | $191,000 | $3,879,000 |
| Application Withdrawn By Applicant | 127 | $35,985,000 | $283,000 | $1,505,000 | $137,000 | $1,500,000 |
| Application Denied By Financial Institution | 82 | $14,830,000 | $180,000 | $2,565,000 | $85,000 | $616,000 |
| Application Approved But Not Accepted | 21 | $7,785,000 | $370,000 | $1,165,000 | $222,000 | $1,539,000 |
| 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 | 1,758 | $436,910,000 | $248,000 | $19,505,000 | $187,000 | $3,879,000 |
| Debt-To-Income Ratio | 41 | $8,155,000 | $198,000 | $2,405,000 | $75,000 | $616,000 |
| Credit History | 30 | $2,190,000 | $73,000 | $355,000 | $88,000 | $278,000 |
| Other | 5 | $3,155,000 | $631,000 | $2,565,000 | $157,000 | $516,000 |
| Collateral | 4 | $460,000 | $115,000 | $155,000 | $39,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $870,000 | $435,000 | $725,000 | $165,000 | $258,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into River Bank & Trust's 2023 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.
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with aggregated HMDA statistics today.
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