River Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, River Bank & Trust of Prattville, AL reported 869 mortgage applications totaling $143.5 million, up 22% from 2019. The average application was for $165,161, and applicants reported an average income of $174,157. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Auburn-Opelika, AL (213), Montgomery, AL (135) and Dothan, 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 | 869 |
| Total Mortgage Loan Application Amount | $143,525,000 |
| Average Mortgage Loan Application Amount | $165,161 |
| Highest Mortgage Loan Application Amount | $4,375,000 |
| Average Applicant Income | $174,157 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 213 | $ 24,365,000 | $ 114,389 | $ 113,000 |
| Outside any metro area | 197 | $ 34,855,000 | $ 176,928 | $ 178,566 |
| Montgomery, AL | 135 | $ 25,475,000 | $ 188,703 | $ 215,000 |
| Dothan, AL | 72 | $ 8,030,000 | $ 111,527 | $ 157,000 |
| Mobile, AL | 68 | $ 8,500,000 | $ 125,000 | $ 140,000 |
| Birmingham-Hoover, AL | 59 | $ 6,985,000 | $ 118,389 | $ 119,000 |
| Daphne-Fairhope-Foley, AL | 35 | $ 12,235,000 | $ 349,571 | $ 505,000 |
| Gadsden, AL | 29 | $ 6,665,000 | $ 229,827 | $ 179,000 |
| Panama City, FL | 16 | $ 4,180,000 | $ 261,250 | $ 348,000 |
| Crestview-Fort Walton Beach-Destin, FL | 10 | $ 7,840,000 | $ 784,000 | $ 262,000 |
| Columbus, GA-AL | 7 | $ 355,000 | $ 50,714 | $ 38,571 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 225,000 | $ 75,000 | $ 99,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,315,000 | $ 438,333 | $ 1,092,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 520,000 | $ 260,000 | $ 503,000 |
| Huntsville, AL | 1 | $ 615,000 | $ 615,000 | $ 194,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| New Orleans-Metairie, LA | 1 | $ 155,000 | $ 155,000 | $ 474,000 |
| Sebastian-Vero Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Tuscaloosa, AL | 1 | $ 135,000 | $ 135,000 | $ 153,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2020
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 | 528 | $90,790,000 | $171,000 | $4,375,000 | $167,000 | $9,999,000 |
| Refinancing | 307 | $50,285,000 | $163,000 | $1,955,000 | $193,000 | $2,092,000 |
| Other Purpose | 22 | $1,960,000 | $89,000 | $385,000 | $116,000 | $351,000 |
| Home Improvement | 11 | $445,000 | $40,000 | $85,000 | $119,000 | $355,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $55,000 | $55,000 |
| Cash-out Refinancing | 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 | 615 | $100,875,000 | $164,000 | $1,955,000 | $179,000 | $9,999,000 |
| Not applicable | 146 | $29,030,000 | $198,000 | $4,375,000 | $0 | $0 |
| Black or African American | 64 | $5,080,000 | $79,000 | $405,000 | $78,000 | $1,018,000 |
| Not Provided | 25 | $3,855,000 | $154,000 | $625,000 | $117,000 | $352,000 |
| Asian | 11 | $3,455,000 | $314,000 | $905,000 | $498,000 | $2,063,000 |
| Hispanic | 5 | $605,000 | $121,000 | $225,000 | $147,000 | $355,000 |
| American Indian or Alaskan Native | 3 | $625,000 | $208,000 | $395,000 | $136,000 | $228,000 |
| 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) | 867 | $143,305,000 | $165,000 | $4,375,000 | $173,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1 | $45,000 | $45,000 | $45,000 | $55,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 1 | $175,000 | $175,000 | $175,000 | $81,000 | $81,000 |
| 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 | 763 | $133,075,000 | $174,000 | $4,375,000 | $185,000 | $9,999,000 |
| Application Denied By Financial Institution | 76 | $6,090,000 | $80,000 | $765,000 | $52,000 | $200,000 |
| Application Approved But Not Accepted | 23 | $3,785,000 | $164,000 | $675,000 | $269,000 | $2,720,000 |
| Application Withdrawn By Applicant | 7 | $575,000 | $82,000 | $185,000 | $82,000 | $120,000 |
| 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 | 869 | $143,525,000 | $165,000 | $4,375,000 | $173,000 | $9,999,000 |
| 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 2020 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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