# River Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/river-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


River Bank & Trust is a bank, headquartered in Prattville, AL, serving borrowers across 7 states, with 287 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 90% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493006HAFES1LQ18W28
- **Headquarters:** Prattville, AL
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AL, FL, GA, MS, TN, UT, WY
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 10/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.563%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,702
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 287
- **Dollar Volume:** $112 million
- **Applications Received:** 465
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $388,554
- **Average Borrower Income:** $231,847
- **Average Property Value:** $541,958

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 262 | +0.577% | $2,536 | Sound ☺️ |
| Jumbo | 71/100 | 25 | +0.342% | $5,350 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 231 loans, Score: 60/100 (Strong)
- Refinance: 31 loans, Score: 41/100 (Sound)

**Jumbo:**
- Purchase: 24 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 255 | $104M | +0.535% | Sound ☺️ |
| Refinance | 38/100 | 32 | $7M | +0.760% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 266 | 0.44% | 84/100 |
| FL | 15 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Mobile, AL | AL | 60 | 79/100 |
| Non |  | 54 | 47/100 |
| Birmingham, AL | AL | 32 | 61/100 |
| Daphne | AL | 31 | 64/100 |
| Montgomery, AL | AL | 25 | 60/100 |
| Auburn | AL | 20 | 57/100 |
| Dothan, AL | AL | 15 | 54/100 |
| Florence | AL | 11 | 45/100 |
| Decatur, AL | AL | 10 | 45/100 |

## Where This Lender Ranks

River Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Auburn for Jumbo Loans
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Auburn for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#7** in Auburn Banks
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/banks)
- 🏆 **#11** in Montgomery, AL Banks
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks)
- 🏆 **#11** in Dothan, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Florence for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Decatur, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Alabama for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#16** in Montgomery, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Auburn for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Mobile, AL Banks
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/banks)
- 🏆 **#20** in Mobile, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Daphne Banks
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does River Bank & Trust offer?

River Bank & Trust offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does River Bank & Trust offer mortgages?

River Bank & Trust offers mortgages in 7 states: AL, FL, GA, MS, TN, UT, WY.

### How competitive are River Bank & Trust's mortgage rates?

River Bank & Trust has a pricing score of 10/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.563% above market average.

### What type of lender is River Bank & Trust?

River Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Prattville, AL.

### What is River Bank & Trust's loan approval success rate?

River Bank & Trust has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/river-bank-trust

### How to Cite

> "River Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/river-bank-trust

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