River Bank & Trust in Alabama vs the state
3.7%Denial rate-16.16 pts vs state
4.1%Decision denial rate-20.89 pts vs state
84.6%Origination rate+29.19 pts vs state
6.95%Median rate+0.45 pts vs state
-0.02Rate spread (pts)-0.31 pts vs state
$134kMedian applicant income
1,377Loans originated
60Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,766 | 1,548 | 4.3% | 6.85% | #23 |
| 2024 | 1,436 | 1,204 | 4.6% | 7.81% | #32 |
| 2025 | 1,628 | 1,377 | 3.7% | 6.95% | #32 |
What River Bank & Trust lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most River Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 235 | 207 | 6 | 2.6% |
| Mobile County | 155 | 132 | 6 | 3.9% |
| Elmore County | 101 | 84 | 2 | 2.0% |
| Chilton County | 100 | 86 | 7 | 7.0% |
| Jefferson County | 97 | 84 | 2 | 2.1% |
| Tallapoosa County | 95 | 74 | 6 | 6.3% |
| Houston County | 92 | 82 | 1 | 1.1% |
| Montgomery County | 88 | 75 | 2 | 2.3% |
| Morgan County | 85 | 70 | 2 | 2.4% |
| Autauga County | 78 | 57 | 3 | 3.8% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 1,628 applications in 2025, of which 1,377 were originated and 60 denied.
3.7% of all applications, or 4.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans River Bank & Trust originated in Alabama in 2025 was 6.95%, against a statewide median of 6.50%.
About this data. Figures are River Bank & Trust's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology