River Bank & Trust
River Bank & Trust received 1,684 applications in 2025 and made 1,418 mortgages, in 77 counties across 8 states. The median rate its borrowers got was 6.950% on a median loan of $145,000. Of 1,504 decisions, 61 were denials — 4.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006HAFES1LQ18W28 |
|---|---|
| Applications received | 1,684 |
| Mortgages made | 1,418 |
| Denied | 61 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 180 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.009 points |
| FDIC-insured bank | Yes: River Bank & Trust, 25 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 625 | 7.500% | $225,000 | 3.3% |
| Refinancing | 314 | 7.300% | $135,000 | 2.7% |
| Cash-out refinancing | 13 | 6.625% | $375,000 | 23.5% |
| Other purposes | 466 | 5.990% | $85,000 | 5.2% |
Where River Bank & Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lee County, AL | 207 | 7.500% | 2.8% |
| Mobile County, AL | 132 | 7.675% | 4.3% |
| Chilton County, AL | 86 | 6.970% | 7.5% |
| Elmore County, AL | 84 | 5.990% | 2.3% |
| Jefferson County, AL | 84 | 6.775% | 2.3% |
| Houston County, AL | 82 | 6.813% | 1.2% |
| Montgomery County, AL | 75 | 7.250% | 2.6% |
| Tallapoosa County, AL | 74 | 6.563% | 7.3% |
| Coffee County, AL | 70 | 6.813% | 4.1% |
| Morgan County, AL | 70 | 6.675% | 2.7% |
| Madison County, AL | 63 | 6.990% | 3.0% |
| Autauga County, AL | 57 | 5.990% | 4.9% |
| Baldwin County, AL | 56 | 7.000% | 5.1% |
| Etowah County, AL | 39 | 6.950% | 7.1% |
| Lauderdale County, AL | 35 | 6.800% | 0.0% |
| Shelby County, AL | 22 | 6.950% | 4.2% |
| Dale County, AL | 15 | 7.750% | 0.0% |
| Chambers County, AL | 13 | 8.500% | 7.1% |
| Colbert County, AL | 13 | 6.950% | 6.7% |
| Geneva County, AL | 10 | 6.988% | 0.0% |
| Bay County, FL | 9 | Under 10 loans | 0.0% |
| Coosa County, AL | 8 | Under 10 loans | 20.0% |
| Limestone County, AL | 8 | Under 10 loans | 11.1% |
| Henry County, AL | 7 | Under 10 loans | 0.0% |
| Calhoun County, AL | 6 | Under 10 loans | 14.3% |
| Lawrence County, AL | 6 | Under 10 loans | 0.0% |
| Marshall County, AL | 6 | Under 10 loans | 14.3% |
| St. Clair County, AL | 6 | Under 10 loans | 0.0% |
| Cullman County, AL | 4 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 4 | Under 10 loans | 20.0% |
| Walton County, FL | 4 | Under 10 loans | 0.0% |
| Bibb County, AL | 3 | Under 10 loans | 0.0% |
| Dallas County, AL | 3 | Under 10 loans | 0.0% |
| Lowndes County, AL | 3 | Under 10 loans | 0.0% |
| Randolph County, AL | 3 | Under 10 loans | 0.0% |
| Russell County, AL | 3 | Under 10 loans | 40.0% |
| Washington County, AL | 3 | Under 10 loans | 0.0% |
| Barbour County, AL | 2 | Under 10 loans | 0.0% |
| Clay County, AL | 2 | Under 10 loans | 0.0% |
| Pike County, AL | 2 | Under 10 loans | 0.0% |
| Walker County, AL | 2 | Under 10 loans | 0.0% |
| Gulf County, FL | 2 | Under 10 loans | 0.0% |
| Jackson County, FL | 2 | Under 10 loans | 0.0% |
| Cherokee County, GA | 2 | Under 10 loans | 0.0% |
| St. Tammany Parish, LA | 2 | Under 10 loans | 0.0% |
| Bullock County, AL | 1 | Under 10 loans | 0.0% |
| Cherokee County, AL | 1 | Under 10 loans | 0.0% |
| Choctaw County, AL | 1 | Under 10 loans | 0.0% |
| Conecuh County, AL | 1 | Under 10 loans | 0.0% |
| Covington County, AL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.