Lender in Alabama · HMDA 2025
River Bank & Trust mortgages in Alabama
River Bank & Trust's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
River Bank & Trust originated 346 owner-occupied single-family loans in Alabama from 377 completed applications.
Its median conventional purchase loan costs were $5,410 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.49% (Alabama: 6.562%).
Loans in AL
346
of 377 applications
Denial rate
3.6%
Purchase · AL 9.1%
Rate spread
+0.59 pts
Conv. · AL +0.17 pts
Loan amount
$335,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 305 | 288 | 3.6% | 6.490% | +0.59 pts | $5,410 | $335,000 |
| Refinance | 56 | 45 | 14.3% | — | +0.72 pts | $2,090 | $225,000 |
| Cash-out refinance | 16 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where River Bank & Trust ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tallapoosa County | 5 | 17 | 3.7% |
| Chilton County | 8 | 12 | 2.5% |
| Washington County | 11 | 3 | 2.6% |
| Clay County | 11 | 2 | 2.4% |
| Coffee County | 14 | 13 | 1.3% |
| Lowndes County | 14 | 1 | 2.4% |
| Macon County | 16 | 1 | 1.5% |
| Houston County | 17 | 20 | 1.4% |
| Elmore County | 17 | 19 | 1.3% |
| Coosa County | 19 | 1 | 1.5% |
| Mobile County | 20 | 63 | 1.3% |
| Lee County | 20 | 31 | 1.1% |
| Autauga County | 22 | 12 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology