River Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, River Bank & Trust of Prattville, AL reported 1,507 mortgage applications totaling $312.2 million, down 18% from 2023. The average application was for $207,196, and applicants reported an average income of $199,940. 83% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Auburn-Opelika, AL (241), Montgomery, AL (234) and Birmingham-Hoover, AL (204) (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 | 1,507 |
| Total Mortgage Loan Application Amount | $312,245,000 |
| Average Mortgage Loan Application Amount | $207,196 |
| Highest Mortgage Loan Application Amount | $2,655,000 |
| Average Applicant Income | $199,940 |
| Highest Applicant Income | $4,673,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 234 | $ 32,750,000 | $ 139,957 | $ 170,000 |
| Mobile, Alabama | 129 | $ 33,315,000 | $ 258,255 | $ 161,000 |
| Elmore, Alabama | 103 | $ 21,845,000 | $ 212,087 | $ 164,000 |
| Baldwin, Alabama | 88 | $ 27,300,000 | $ 310,227 | $ 205,000 |
| Jefferson, Alabama | 87 | $ 24,235,000 | $ 278,563 | $ 317,000 |
| Montgomery, Alabama | 85 | $ 16,185,000 | $ 190,411 | $ 163,000 |
| Tallapoosa, Alabama | 77 | $ 16,895,000 | $ 219,415 | $ 218,000 |
| Chilton, Alabama | 76 | $ 6,640,000 | $ 87,368 | $ 102,000 |
| Coffee, Alabama | 66 | $ 10,290,000 | $ 155,909 | $ 223,000 |
| Morgan, Alabama | 65 | $ 12,705,000 | $ 195,461 | $ 137,000 |
| Houston, Alabama | 56 | $ 9,960,000 | $ 177,857 | $ 360,000 |
| Madison, Alabama | 55 | $ 11,005,000 | $ 200,090 | $ 216,000 |
| Autauga, Alabama | 45 | $ 6,745,000 | $ 149,888 | $ 146,000 |
| Etowah, Alabama | 42 | $ 4,620,000 | $ 110,000 | $ 159,000 |
| Lauderdale, Alabama | 42 | $ 7,280,000 | $ 173,333 | $ 200,000 |
| Shelby, Alabama | 32 | $ 6,260,000 | $ 195,625 | $ 295,000 |
| Dale, Alabama | 18 | $ 5,520,000 | $ 306,666 | $ 167,000 |
| Bay, Florida | 16 | $ 5,120,000 | $ 320,000 | $ 296,000 |
| Chambers, Alabama | 13 | $ 925,000 | $ 71,153 | $ 124,000 |
| Colbert, Alabama | 13 | $ 3,785,000 | $ 291,153 | $ 170,000 |
| Henry, Alabama | 11 | $ 2,255,000 | $ 205,000 | $ 205,000 |
| Marshall, Alabama | 8 | $ 3,000,000 | $ 375,000 | $ 354,000 |
| Geneva, Alabama | 7 | $ 1,535,000 | $ 219,285 | $ 74,000 |
| Lawrence, Alabama | 7 | $ 1,265,000 | $ 180,714 | $ 154,000 |
| Limestone, Alabama | 7 | $ 1,325,000 | $ 189,285 | $ 188,000 |
| Macon, Alabama | 7 | $ 1,025,000 | $ 146,428 | $ 177,000 |
| Escambia, Florida | 7 | $ 3,995,000 | $ 570,714 | $ 401,000 |
| Coosa, Alabama | 5 | $ 1,345,000 | $ 269,000 | $ 151,000 |
| St. Clair, Alabama | 5 | $ 1,895,000 | $ 379,000 | $ 184,000 |
| Russell, Alabama | 4 | $ 500,000 | $ 125,000 | $ 89,000 |
| Tuscaloosa, Alabama | 4 | $ 290,000 | $ 72,500 | $ 2,318,000 |
| Washington, Alabama | 4 | $ 720,000 | $ 180,000 | $ 139,000 |
| Santa Rosa, Florida | 4 | $ 630,000 | $ 157,500 | $ 293,000 |
| Butler, Alabama | 3 | $ 135,000 | $ 45,000 | $ 152,000 |
| Covington, Alabama | 3 | $ 615,000 | $ 205,000 | $ 143,000 |
| Crenshaw, Alabama | 3 | $ 1,305,000 | $ 435,000 | $ 135,000 |
| Cullman, Alabama | 3 | $ 1,075,000 | $ 358,333 | $ 237,000 |
| Talladega, Alabama | 3 | $ 1,275,000 | $ 425,000 | $ 287,000 |
| Walker, Alabama | 3 | $ 565,000 | $ 188,333 | $ 277,000 |
| Winston, Alabama | 3 | $ 495,000 | $ 165,000 | $ 158,000 |
| Walton, Florida | 3 | $ 3,465,000 | $ 1,155,000 | $ 690,000 |
| Bullock, Alabama | 2 | $ 290,000 | $ 145,000 | $ 112,000 |
| Dallas, Alabama | 2 | $ 360,000 | $ 180,000 | $ 100,000 |
| Escambia, Alabama | 2 | $ 840,000 | $ 420,000 | $ 100,000 |
| Franklin, Alabama | 2 | $ 490,000 | $ 245,000 | $ 131,000 |
| Sumter, Alabama | 2 | $ 180,000 | $ 90,000 | $ 187,000 |
| Jackson, Florida | 2 | $ 1,080,000 | $ 540,000 | $ 269,000 |
| Macon, North Carolina | 2 | $ 2,210,000 | $ 1,105,000 | $ 586,000 |
| Salt Lake, Utah | 2 | $ 710,000 | $ 355,000 | $ 1,042,000 |
| Blount, Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Calhoun, Alabama | 1 | $ 255,000 | $ 255,000 | $ 40,000 |
| Cherokee, Alabama | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Choctaw, Alabama | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Clarke, Alabama | 1 | $ 185,000 | $ 185,000 | $ 247,000 |
| Clay, Alabama | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Conecuh, Alabama | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Lowndes, Alabama | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Pike, Alabama | 1 | $ 145,000 | $ 145,000 | $ 224,000 |
| Flagler, Florida | 1 | $ 155,000 | $ 155,000 | $ 432,000 |
| Franklin, Florida | 1 | $ 1,045,000 | $ 1,045,000 | $ 502,000 |
| Gulf, Florida | 1 | $ 555,000 | $ 555,000 | $ 242,000 |
| Holmes, Florida | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Clayton, Georgia | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Fannin, Georgia | 1 | $ 845,000 | $ 845,000 | $ 952,000 |
| Forsyth, Georgia | 1 | $ 55,000 | $ 55,000 | $ 197,000 |
| Gwinnett, Georgia | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Muscogee, Georgia | 1 | $ 705,000 | $ 705,000 | $ 427,000 |
| Richmond, Georgia | 1 | $ 275,000 | $ 275,000 | $ 107,000 |
| Stewart, Georgia | 1 | $ 445,000 | $ 445,000 | $ 108,000 |
| Jefferson, Louisiana | 1 | $ 375,000 | $ 375,000 | $ 720,000 |
| George, Mississippi | 1 | $ 505,000 | $ 505,000 | $ 229,000 |
| Greene, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 191,000 |
| Jackson, Mississippi | 1 | $ 505,000 | $ 505,000 | $ 290,000 |
| Rankin, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Rensselaer, New York | 1 | $ 245,000 | $ 245,000 | $ 183,000 |
| Wake, North Carolina | 1 | $ 1,365,000 | $ 1,365,000 | $ 674,000 |
| Payne, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Bradley, Tennessee | 1 | $ 505,000 | $ 505,000 | $ 280,000 |
| Giles, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lawrence, Tennessee | 1 | $ 1,595,000 | $ 1,595,000 | $ 0 |
| Marion, Tennessee | 1 | $ 675,000 | $ 675,000 | $ 136,000 |
| Wilson, Tennessee | 1 | $ 695,000 | $ 695,000 | $ 163,000 |
| Fairfax, Virginia | 1 | $ 75,000 | $ 75,000 | $ 225,000 |
| Park, Wyoming | 1 | $ 335,000 | $ 335,000 | $ 409,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2024
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 | 674 | $189,220,000 | $280,000 | $2,655,000 | $203,000 | $3,856,000 |
| Refinancing | 278 | $57,600,000 | $207,000 | $1,955,000 | $221,000 | $4,673,000 |
| Home Improvement | 273 | $29,345,000 | $107,000 | $1,005,000 | $182,000 | $1,625,000 |
| Other Purpose | 255 | $28,875,000 | $113,000 | $575,000 | $190,000 | $1,453,000 |
| Cash-out Refinancing | 27 | $7,205,000 | $266,000 | $695,000 | $182,000 | $720,000 |
| 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 | 1,173 | $236,595,000 | $201,000 | $2,655,000 | $201,000 | $4,673,000 |
| Not applicable | 160 | $33,530,000 | $209,000 | $1,955,000 | $0 | $0 |
| Black or African American | 71 | $12,175,000 | $171,000 | $1,325,000 | $141,000 | $587,000 |
| Not Provided | 41 | $11,465,000 | $279,000 | $1,505,000 | $215,000 | $1,031,000 |
| Hispanic | 30 | $10,610,000 | $353,000 | $1,675,000 | $215,000 | $755,000 |
| Asian | 24 | $5,880,000 | $245,000 | $845,000 | $208,000 | $952,000 |
| American Indian or Alaskan Native | 4 | $840,000 | $210,000 | $425,000 | $110,000 | $236,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,150,000 | $287,000 | $505,000 | $614,000 | $1,158,000 |
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) | 1,474 | $302,410,000 | $205,000 | $2,655,000 | $202,000 | $4,673,000 |
| FHA-insured (Federal Housing Administration) | 18 | $4,740,000 | $263,000 | $695,000 | $93,000 | $236,000 |
| VA-guaranteed (Veterans Administration) | 14 | $5,030,000 | $359,000 | $635,000 | $144,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
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 | 1,249 | $243,595,000 | $195,000 | $2,655,000 | $210,000 | $4,673,000 |
| Application Withdrawn By Applicant | 155 | $52,425,000 | $338,000 | $1,605,000 | $185,000 | $1,100,000 |
| Application Denied By Financial Institution | 80 | $9,350,000 | $116,000 | $425,000 | $87,000 | $335,000 |
| Application Approved But Not Accepted | 22 | $6,810,000 | $309,000 | $1,505,000 | $197,000 | $1,031,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $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 | 1,427 | $302,895,000 | $212,000 | $2,655,000 | $206,000 | $4,673,000 |
| Debt-To-Income Ratio | 38 | $4,890,000 | $128,000 | $405,000 | $91,000 | $335,000 |
| Credit History | 36 | $3,210,000 | $89,000 | $345,000 | $87,000 | $200,000 |
| Collateral | 2 | $160,000 | $80,000 | $135,000 | $42,000 | $47,000 |
| Other | 2 | $770,000 | $385,000 | $425,000 | $93,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $320,000 | $160,000 | $225,000 | $47,000 | $53,000 |
| 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 2024 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About