River Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, River Bank & Trust of Prattville, AL reported 1,691 mortgage applications totaling $410.9 million, up 12% from 2024. The average application was for $242,977, and applicants reported an average income of $216,304. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Montgomery, AL (271), Auburn-Opelika, AL (236) and Birmingham-Hoover, AL (236) (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 | 1,691 |
| Total Mortgage Loan Application Amount | $410,875,000 |
| Average Mortgage Loan Application Amount | $242,977 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $216,304 |
| Highest Applicant Income | $4,116,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 273 | $ 66,445,000 | $ 243,388 | $ 198,941 |
| Montgomery, AL | 271 | $ 59,265,000 | $ 218,690 | $ 189,000 |
| Auburn-Opelika, AL | 236 | $ 43,550,000 | $ 184,533 | $ 172,000 |
| Birmingham-Hoover, AL | 236 | $ 60,030,000 | $ 254,364 | $ 235,000 |
| Mobile, AL | 155 | $ 39,665,000 | $ 255,903 | $ 165,000 |
| Dothan, AL | 110 | $ 28,790,000 | $ 261,727 | $ 429,000 |
| Decatur, AL | 93 | $ 18,005,000 | $ 193,602 | $ 167,000 |
| Huntsville, AL | 81 | $ 22,685,000 | $ 280,061 | $ 169,000 |
| Daphne-Fairhope-Foley, AL | 67 | $ 24,915,000 | $ 371,865 | $ 289,000 |
| Florence-Muscle Shoals, AL | 63 | $ 15,655,000 | $ 248,492 | $ 254,000 |
| Gadsden, AL | 44 | $ 9,500,000 | $ 215,909 | $ 218,000 |
| Panama City, FL | 13 | $ 4,625,000 | $ 355,769 | $ 429,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 5,460,000 | $ 682,500 | $ 162,000 |
| Anniston-Oxford-Jacksonville, AL | 7 | $ 3,055,000 | $ 436,428 | $ 180,000 |
| Columbus, GA-AL | 7 | $ 1,325,000 | $ 189,285 | $ 76,000 |
| Tuscaloosa, AL | 5 | $ 645,000 | $ 129,000 | $ 104,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 2,080,000 | $ 520,000 | $ 168,000 |
| Marietta, GA | 4 | $ 1,140,000 | $ 285,000 | $ 696,000 |
| Chattanooga, TN-GA | 3 | $ 775,000 | $ 258,333 | $ 216,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 1,475,000 | $ 491,666 | $ 94,000 |
| Albany, GA | 2 | $ 680,000 | $ 340,000 | $ 190,000 |
| Slidell-Mandeville-Covington, LA | 2 | $ 320,000 | $ 160,000 | $ 538,000 |
| Boise City, ID | 1 | $ 495,000 | $ 495,000 | $ 129,000 |
| Jackson, MS | 1 | $ 215,000 | $ 215,000 | $ 290,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 65,000 | $ 65,000 | $ 135,000 |
| Savannah, GA | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2025
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 | 777 | $246,065,000 | $316,000 | $3,005,000 | $221,000 | $4,116,000 |
| Refinancing | 368 | $82,680,000 | $224,000 | $1,605,000 | $226,000 | $3,616,000 |
| Home Improvement | 280 | $32,760,000 | $117,000 | $1,305,000 | $202,000 | $3,141,000 |
| Other Purpose | 219 | $31,085,000 | $141,000 | $955,000 | $206,000 | $1,766,000 |
| Cash-out Refinancing | 47 | $18,285,000 | $389,000 | $1,105,000 | $196,000 | $1,236,000 |
| 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 | 1,317 | $320,675,000 | $243,000 | $3,005,000 | $215,000 | $3,640,000 |
| Not applicable | 199 | $45,155,000 | $226,000 | $2,655,000 | $0 | $0 |
| Black or African American | 64 | $11,840,000 | $185,000 | $795,000 | $122,000 | $420,000 |
| Hispanic | 39 | $10,295,000 | $263,000 | $1,705,000 | $245,000 | $4,116,000 |
| Asian | 33 | $8,505,000 | $257,000 | $855,000 | $348,000 | $1,015,000 |
| Not Provided | 30 | $10,240,000 | $341,000 | $955,000 | $210,000 | $1,213,000 |
| American Indian or Alaskan Native | 8 | $1,690,000 | $211,000 | $405,000 | $211,000 | $886,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $2,475,000 | $2,475,000 | $2,475,000 | $1,158,000 | $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) | 1,645 | $396,185,000 | $240,000 | $3,005,000 | $219,000 | $4,116,000 |
| VA-guaranteed (Veterans Administration) | 25 | $9,445,000 | $377,000 | $795,000 | $126,000 | $268,000 |
| FHA-insured (Federal Housing Administration) | 16 | $4,210,000 | $263,000 | $475,000 | $94,000 | $420,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,035,000 | $207,000 | $265,000 | $65,000 | $83,000 |
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 | 1,418 | $330,830,000 | $233,000 | $2,655,000 | $229,000 | $4,116,000 |
| Application Withdrawn By Applicant | 180 | $60,120,000 | $334,000 | $3,005,000 | $165,000 | $2,700,000 |
| Application Denied By Financial Institution | 68 | $11,080,000 | $162,000 | $925,000 | $96,000 | $420,000 |
| Application Approved But Not Accepted | 25 | $8,845,000 | $353,000 | $1,705,000 | $221,000 | $1,360,000 |
| 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 | 1,623 | $399,795,000 | $246,000 | $3,005,000 | $221,000 | $4,116,000 |
| Debt-To-Income Ratio | 31 | $4,835,000 | $155,000 | $805,000 | $83,000 | $224,000 |
| Credit History | 30 | $3,960,000 | $132,000 | $705,000 | $113,000 | $420,000 |
| Collateral | 2 | $240,000 | $120,000 | $125,000 | $67,000 | $105,000 |
| Other | 2 | $1,040,000 | $520,000 | $575,000 | $190,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $980,000 | $490,000 | $925,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into River Bank & Trust's 2025 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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