River Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, River Bank & Trust of Prattville, AL reported 2,068 mortgage applications totaling $471.7 million, up 115% from 2021. The average application was for $228,080, and applicants reported an average income of $168,433. 92% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Montgomery, AL (491), Auburn-Opelika, AL (353) and Birmingham-Hoover, AL (177) (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 | 2,068 |
| Total Mortgage Loan Application Amount | $471,670,000 |
| Average Mortgage Loan Application Amount | $228,080 |
| Highest Mortgage Loan Application Amount | $5,285,000 |
| Average Applicant Income | $168,433 |
| Highest Applicant Income | $4,316,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery, AL | 491 | $ 107,565,000 | $ 219,073 | $ 155,000 |
| Outside any metro area | 360 | $ 86,070,000 | $ 239,083 | $ 166,562 |
| Auburn-Opelika, AL | 353 | $ 62,805,000 | $ 177,917 | $ 158,000 |
| Birmingham-Hoover, AL | 177 | $ 33,745,000 | $ 190,649 | $ 122,000 |
| Mobile, AL | 160 | $ 31,880,000 | $ 199,250 | $ 162,000 |
| Daphne-Fairhope-Foley, AL | 103 | $ 48,565,000 | $ 471,504 | $ 267,000 |
| Decatur, AL | 97 | $ 17,605,000 | $ 181,494 | $ 158,000 |
| Dothan, AL | 94 | $ 22,990,000 | $ 244,574 | $ 256,000 |
| Gadsden, AL | 73 | $ 14,695,000 | $ 201,301 | $ 180,000 |
| Huntsville, AL | 65 | $ 12,915,000 | $ 198,692 | $ 155,000 |
| Panama City, FL | 21 | $ 7,195,000 | $ 342,619 | $ 247,000 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 7,315,000 | $ 487,666 | $ 235,000 |
| Columbus, GA-AL | 10 | $ 1,560,000 | $ 156,000 | $ 119,200 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 3,185,000 | $ 455,000 | $ 154,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 2,225,000 | $ 317,857 | $ 147,000 |
| Anniston-Oxford-Jacksonville, AL | 4 | $ 300,000 | $ 75,000 | $ 338,000 |
| Tuscaloosa, AL | 4 | $ 910,000 | $ 227,500 | $ 437,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 1,015,000 | $ 338,333 | $ 219,000 |
| Jacksonville, FL | 2 | $ 510,000 | $ 255,000 | $ 185,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,310,000 | $ 655,000 | $ 314,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 170,000 | $ 85,000 | $ 88,000 |
| Warner Robins, GA | 2 | $ 610,000 | $ 305,000 | $ 69,000 |
| Chattanooga, TN-GA | 1 | $ 2,205,000 | $ 2,205,000 | $ 505,000 |
| Cleveland, TN | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 265,000 | $ 265,000 | $ 1,255,000 |
| Florence-Muscle Shoals, AL | 1 | $ 175,000 | $ 175,000 | $ 131,000 |
| Hattiesburg, MS | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Jackson, MS | 1 | $ 175,000 | $ 175,000 | $ 125,000 |
| Knoxville, TN | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Lansing-East Lansing, MI | 1 | $ 205,000 | $ 205,000 | $ 643,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 805,000 | $ 805,000 | $ 488,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 565,000 | $ 565,000 | $ 84,000 |
| Sebastian-Vero Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Tallahassee, FL | 1 | $ 615,000 | $ 615,000 | $ 496,000 |
Mortgage Loan Application Detail Totals for River Bank & Trust in 2022
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 | 1,214 | $341,180,000 | $281,000 | $5,285,000 | $165,000 | $4,316,000 |
| Refinancing | 438 | $85,290,000 | $194,000 | $2,955,000 | $175,000 | $2,347,000 |
| Other Purpose | 227 | $24,455,000 | $107,000 | $895,000 | $189,000 | $1,207,000 |
| Home Improvement | 171 | $15,355,000 | $89,000 | $755,000 | $150,000 | $1,121,000 |
| Cash-out Refinancing | 18 | $5,390,000 | $299,000 | $675,000 | $156,000 | $671,000 |
| 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 | 1,603 | $375,895,000 | $234,000 | $5,285,000 | $174,000 | $4,316,000 |
| Not applicable | 236 | $45,090,000 | $191,000 | $1,365,000 | $0 | $0 |
| Black or African American | 124 | $22,190,000 | $178,000 | $925,000 | $87,000 | $945,000 |
| Not Provided | 63 | $18,245,000 | $289,000 | $1,775,000 | $177,000 | $2,150,000 |
| Hispanic | 18 | $3,970,000 | $220,000 | $675,000 | $138,000 | $671,000 |
| Asian | 18 | $4,710,000 | $261,000 | $645,000 | $255,000 | $1,255,000 |
| American Indian or Alaskan Native | 3 | $385,000 | $128,000 | $195,000 | $165,000 | $246,000 |
| 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) | 2,057 | $468,615,000 | $227,000 | $5,285,000 | $169,000 | $4,316,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,610,000 | $326,000 | $565,000 | $104,000 | $236,000 |
| FHA-insured (Federal Housing Administration) | 3 | $445,000 | $148,000 | $225,000 | $129,000 | $194,000 |
| 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 | 1,909 | $442,305,000 | $231,000 | $5,285,000 | $176,000 | $4,316,000 |
| Application Denied By Financial Institution | 71 | $8,705,000 | $122,000 | $465,000 | $58,000 | $170,000 |
| Application Approved But Not Accepted | 69 | $17,285,000 | $250,000 | $2,905,000 | $122,000 | $1,393,000 |
| Application Withdrawn By Applicant | 19 | $3,375,000 | $177,000 | $705,000 | $150,000 | $852,000 |
| 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 | 1,997 | $462,965,000 | $231,000 | $5,285,000 | $173,000 | $4,316,000 |
| Credit History | 47 | $4,645,000 | $98,000 | $355,000 | $55,000 | $158,000 |
| Debt-To-Income Ratio | 18 | $3,040,000 | $168,000 | $465,000 | $59,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $245,000 | $81,000 | $105,000 | $90,000 | $170,000 |
| Other | 2 | $380,000 | $190,000 | $305,000 | $49,000 | $51,000 |
| Employment History | 1 | $395,000 | $395,000 | $395,000 | $83,000 | $83,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2022 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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