River Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, River Bank & Trust of Prattville, AL reported 540 mortgage applications totaling $70.2 million, up 29% from 2017. The average application was for $130,018, and applicants reported an average income of $126,861. 82% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Auburn-Opelika, AL (130), Montgomery, AL (118) and Birmingham-Hoover, AL (72) (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 | 540 |
| Total Mortgage Loan Application Amount | $70,210,000 |
| Average Mortgage Loan Application Amount | $130,018 |
| Highest Mortgage Loan Application Amount | $2,265,000 |
| Average Applicant Income | $126,861 |
| Highest Applicant Income | $2,000,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Auburn-Opelika, AL | 130 | $ 12,460,000 | $ 95,846 | $ 105,000 |
| Montgomery, AL | 118 | $ 16,720,000 | $ 141,694 | $ 118,000 |
| Outside any metro area | 82 | $ 10,970,000 | $ 133,780 | $ 138,987 |
| Birmingham-Hoover, AL | 72 | $ 6,040,000 | $ 83,888 | $ 91,000 |
| Gadsden, AL | 48 | $ 6,650,000 | $ 138,541 | $ 167,000 |
| Daphne-Fairhope-Foley, AL | 25 | $ 6,295,000 | $ 251,800 | $ 281,000 |
| Mobile, AL | 25 | $ 6,475,000 | $ 259,000 | $ 199,000 |
| Columbus, GA-AL | 5 | $ 375,000 | $ 75,000 | $ 51,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 450,000 | $ 112,500 | $ 175,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 585,000 | $ 195,000 | $ 33,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,120,000 | $ 560,000 | $ 534,000 |
| Tuscaloosa, AL | 2 | $ 580,000 | $ 290,000 | $ 467,000 |
| Chattanooga, TN-GA | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Hattiesburg, MS | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Jackson, MS | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 55,000 | $ 55,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2018
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 | 299 | $40,945,000 | $136,000 | $1,465,000 | $121,000 | $936,000 |
| Refinancing | 209 | $27,615,000 | $132,000 | $2,265,000 | $142,000 | $2,000,000 |
| Home Improvement | 22 | $1,170,000 | $53,000 | $325,000 | $84,000 | $181,000 |
| Other Purpose | 9 | $455,000 | $50,000 | $85,000 | $81,000 | $162,000 |
| Cash-out Refinancing | 1 | $25,000 | $25,000 | $25,000 | $71,000 | $71,000 |
| 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 | 403 | $52,205,000 | $129,000 | $1,465,000 | $125,000 | $2,000,000 |
| Not applicable | 79 | $13,375,000 | $169,000 | $2,265,000 | $0 | $0 |
| Black or African American | 37 | $3,035,000 | $82,000 | $305,000 | $123,000 | $1,040,000 |
| Not Provided | 10 | $450,000 | $45,000 | $75,000 | $92,000 | $167,000 |
| Hispanic | 5 | $245,000 | $49,000 | $105,000 | $41,000 | $62,000 |
| Asian | 3 | $425,000 | $141,000 | $205,000 | $428,000 | $936,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $54,000 | $54,000 |
| 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) | 540 | $70,210,000 | $130,000 | $2,265,000 | $126,000 | $2,000,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 445 | $62,425,000 | $140,000 | $2,265,000 | $138,000 | $2,000,000 |
| Application Denied By Financial Institution | 74 | $4,370,000 | $59,000 | $215,000 | $55,000 | $170,000 |
| Application Approved But Not Accepted | 18 | $1,720,000 | $95,000 | $245,000 | $140,000 | $367,000 |
| Application Withdrawn By Applicant | 3 | $1,695,000 | $565,000 | $1,465,000 | $284,000 | $550,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 540 | $70,210,000 | $130,000 | $2,265,000 | $126,000 | $2,000,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into River Bank & Trust's 2018 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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