River Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, River Bank & Trust of Prattville, AL reported 120 mortgage applications totaling $22.0 million, up 1% from 2010. The average application was for $183,641, and applicants reported an average income of $100,783. 42% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Montgomery, AL (109) and Birmingham-Hoover, AL (2).
| 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 | 120 |
| Total Mortgage Loan Application Amount | $22,037,000 |
| Average Mortgage Loan Application Amount | $183,641 |
| Highest Mortgage Loan Application Amount | $548,000 |
| Average Applicant Income | $100,783 |
| Highest Applicant Income | $1,659,000 |
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Act (HMDA) records River Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for River Bank & Trust in 2011
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 | 72 | $13,895,000 | $192,000 | $480,000 | $119,000 | $1,659,000 |
| Refinancing | 43 | $7,922,000 | $184,000 | $548,000 | $77,000 | $243,000 |
| Home Improvement | 5 | $220,000 | $44,000 | $85,000 | $43,000 | $107,000 |
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 | 80 | $14,212,000 | $177,000 | $548,000 | $120,000 | $1,659,000 |
| Not Provided | 23 | $4,629,000 | $201,000 | $416,000 | $87,000 | $220,000 |
| Black or African American | 9 | $1,572,000 | $174,000 | $417,000 | $60,000 | $173,000 |
| Not applicable | 8 | $1,624,000 | $203,000 | $419,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 105 | $19,431,000 | $185,000 | $548,000 | $108,000 | $1,659,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,412,000 | $141,000 | $208,000 | $47,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 4 | $956,000 | $239,000 | $416,000 | $47,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $238,000 | $238,000 | $238,000 | $54,000 | $54,000 |
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 | 50 | $8,276,000 | $165,000 | $425,000 | $123,000 | $1,659,000 |
| Application Withdrawn By Applicant | 32 | $7,277,000 | $227,000 | $548,000 | $103,000 | $224,000 |
| Application Denied By Financial Institution | 31 | $5,171,000 | $166,000 | $416,000 | $62,000 | $220,000 |
| File Closed For Incompleteness | 7 | $1,313,000 | $187,000 | $327,000 | $102,000 | $241,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $2,391,000 | $132,000 | $280,000 | $65,000 | $220,000 |
| Debt-To-Income Ratio | 11 | $2,486,000 | $226,000 | $416,000 | $59,000 | $125,000 |
| Employment History | 1 | $134,000 | $134,000 | $134,000 | $52,000 | $52,000 |
| Collateral | 1 | $160,000 | $160,000 | $160,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 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 |
| Other | 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 2011 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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