Applications / Mortgage Analytics / Lenders / Alabama / River Bank & Trust
Prattville, AL · State non-member bank · FDIC · $3.8 billion assets · 1,418 loans in 2025
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1,418
loans originated, 2025
1,691
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
River Bank & Trust, an Alabama state non-member bank, has nearly doubled its originations over five years, to 1,418, and gained share in Montgomery and Birmingham.
Originations rose 13% in 2025, against 10% for the typical similar lender (state non-member banks making between half and twice as many loans) and for the whole market. The total of 1,418 compares with 763 five years before, though it is below the 1,909 of 2022.
Manufactured homes were 8.0% of its loans, against 1.2% for similar lenders, higher than nearly all of them. All its loans were conventional, while the typical similar lender made 2.5% of its loans insured by the Federal Housing Administration (FHA). Its typical loan, $145,000, was smaller than at about three in four similar lenders, consistent with that mix.
In Montgomery its share rose to 2.3% from 1.7%, ranking 11 of 331, and in Birmingham to 0.7% from 0.5%. It held 2.2% in Auburn-Opelika and 2.0% in Mobile, and ranked 16 of 523 lenders in non-metro Alabama.
Of its loans, 14.0% were in majority-minority areas, against 7.5% for the typical similar lender, higher than about two-thirds of them.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. River Bank & Trust took 1,691 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.1% · Refinance 23.1% · Home improvement 18.5% · Other 14.3%
Conventional 100.0% · of 1,418 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 1,377 | 97.1% |
| Florida | 19 | 1.3% |
| Georgia | 11 | 0.8% |
| Mississippi | 3 | 0.2% |
| Tennessee | 3 | 0.2% |
| Louisiana | 2 | 0.1% |
| North Carolina | 2 | 0.1% |
| Idaho | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery | 219 |
| Auburn-Opelika | 208 |
| Birmingham | 203 |
| Mobile | 132 |
| Dothan | 99 |
| Decatur | 76 |
| Huntsville | 71 |
| Daphne-Fairhope-Foley | 56 |
| Florence-Muscle Shoals | 48 |
| Gadsden | 39 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006HAFES1LQ18W28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3437157 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358255 | 2007–2017 |
Established 3 April 2006. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: River Bank & Trust's data.
River Bank & Trust's data
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