River Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, River Bank & Trust of Prattville, AL reported 964 mortgage applications totaling $182.4 million, up 11% from 2020. The average application was for $189,211, and applicants reported an average income of $165,134. 89% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Auburn-Opelika, AL (228), Montgomery, AL (157) and Mobile, AL (84) (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 | 964 |
| Total Mortgage Loan Application Amount | $182,400,000 |
| Average Mortgage Loan Application Amount | $189,211 |
| Highest Mortgage Loan Application Amount | $2,405,000 |
| Average Applicant Income | $165,134 |
| Highest Applicant Income | $4,445,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 228 | $ 22,790,000 | $ 99,956 | $ 124,000 |
| Outside any metro area | 185 | $ 40,585,000 | $ 219,378 | $ 148,847 |
| Montgomery, AL | 157 | $ 28,115,000 | $ 179,076 | $ 119,000 |
| Mobile, AL | 84 | $ 12,090,000 | $ 143,928 | $ 154,000 |
| Birmingham-Hoover, AL | 68 | $ 8,080,000 | $ 118,823 | $ 203,000 |
| Dothan, AL | 63 | $ 13,465,000 | $ 213,730 | $ 283,000 |
| Daphne-Fairhope-Foley, AL | 51 | $ 18,605,000 | $ 364,803 | $ 261,000 |
| Gadsden, AL | 45 | $ 8,965,000 | $ 199,222 | $ 160,000 |
| Panama City, FL | 22 | $ 7,050,000 | $ 320,454 | $ 252,000 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 10,105,000 | $ 673,666 | $ 376,000 |
| Decatur, AL | 14 | $ 1,980,000 | $ 141,428 | $ 111,000 |
| Huntsville, AL | 6 | $ 1,740,000 | $ 290,000 | $ 33,000 |
| Tuscaloosa, AL | 5 | $ 1,325,000 | $ 265,000 | $ 410,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,830,000 | $ 457,500 | $ 863,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 895,000 | $ 298,333 | $ 145,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Columbus, GA-AL | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 805,000 | $ 805,000 | $ 364,000 |
| Jacksonville, NC | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 215,000 | $ 215,000 | $ 113,000 |
| New Orleans-Metairie, LA | 1 | $ 405,000 | $ 405,000 | $ 414,000 |
| Portland-South Portland, ME | 1 | $ 2,175,000 | $ 2,175,000 | $ 0 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2021
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 | 623 | $122,495,000 | $196,000 | $2,405,000 | $162,000 | $4,445,000 |
| Refinancing | 304 | $55,250,000 | $181,000 | $2,175,000 | $176,000 | $2,448,000 |
| Home Improvement | 15 | $1,135,000 | $75,000 | $375,000 | $90,000 | $211,000 |
| Cash-out Refinancing | 11 | $2,045,000 | $185,000 | $855,000 | $146,000 | $707,000 |
| Other Purpose | 11 | $1,475,000 | $134,000 | $625,000 | $164,000 | $460,000 |
| 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 | 675 | $127,115,000 | $188,000 | $1,675,000 | $168,000 | $4,445,000 |
| Not applicable | 182 | $36,820,000 | $202,000 | $2,405,000 | $0 | $0 |
| Black or African American | 59 | $5,385,000 | $91,000 | $505,000 | $79,000 | $444,000 |
| Not Provided | 26 | $7,430,000 | $285,000 | $1,905,000 | $210,000 | $1,403,000 |
| Asian | 14 | $4,830,000 | $345,000 | $1,045,000 | $258,000 | $1,192,000 |
| Hispanic | 6 | $550,000 | $91,000 | $195,000 | $302,000 | $1,112,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $166,000 | $166,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $48,000 | $48,000 |
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) | 963 | $182,145,000 | $189,000 | $2,405,000 | $165,000 | $4,445,000 |
| VA-guaranteed (Veterans Administration) | 1 | $255,000 | $255,000 | $255,000 | $52,000 | $52,000 |
| 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 |
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 | 861 | $168,235,000 | $195,000 | $2,405,000 | $178,000 | $4,445,000 |
| Application Denied By Financial Institution | 60 | $6,080,000 | $101,000 | $565,000 | $61,000 | $373,000 |
| Application Withdrawn By Applicant | 23 | $4,925,000 | $214,000 | $545,000 | $111,000 | $414,000 |
| Application Approved But Not Accepted | 20 | $3,160,000 | $158,000 | $405,000 | $105,000 | $275,000 |
| 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 | 904 | $176,320,000 | $195,000 | $2,405,000 | $174,000 | $4,445,000 |
| Credit History | 44 | $3,630,000 | $82,000 | $265,000 | $54,000 | $124,000 |
| Debt-To-Income Ratio | 13 | $1,715,000 | $131,000 | $375,000 | $63,000 | $168,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $81,000 | $81,000 |
| Unverifiable Information | 1 | $565,000 | $565,000 | $565,000 | $373,000 | $373,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into River Bank & Trust's 2021 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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