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River Bank & Trust

Bank•Prattville, ALHQ•Direct•Reviews near you on Google

River Bank & Trust has 287 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Rates typically 56 basis points above market average

Explore another lender or local market

Report Card

River Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+56.3 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
262 loans · 0.58% above market
Sound
Top 60% of lenders
3/5
Jumbo
25 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
255 loans · 0.54% above market
Sound
Top 60% of lenders
3/5
Refinance
32 loans · 0.76% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume262
Mix91.3%
Spread
+0.577%Above
Fees
$2,536Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume25
Mix8.7%
Spread
+0.342%Above
Fees
$5,350Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume255
Mix88.9%
Spread
+0.535%Above
Fees
$2,779Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume32
Mix11.1%
Spread
+0.760%Above
Fees
$2,159Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
287
Applications
465
Volume
$111 million
Pricing & Closing
Avg Rate Spread
+0.563%
vs. market APOR
Avg Net Fees
$2,702
Origination − Credits
Pullthrough Rate
61.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$388,554
Avg Borrower Income
$231,847
Avg Property Value
$541,958

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
< 2020+None
South5
ALFLGAMSTN
West2
UTWY

Top Metro Areas by Place Specialization Score

1© James Willamor · CC BY-SA 2.0
Mobile, ALMetro
Volume 60Mix 20.91% of portfolio
79/100
Strong
2© tonya cook · CC BY-SA 3.0
Daphne, ALMetro
Volume 31Mix 10.80% of portfolio
64/100
Strong
3© Eric in SF · CC BY-SA 3.0
Birmingham, ALMetro
Volume 32Mix 11.15% of portfolio
61/100
Strong
4© James Willamor · CC BY-SA 3.0
Montgomery, ALMetro
Volume 25Mix 8.71% of portfolio
60/100
Strong
5© Rivers Langley; SaveRivers · CC BY-SA 3.0
Auburn, ALMetro
Volume 20Mix 6.97% of portfolio
57/100
Sound
6© Ecjmartin1 · Public domain
Dothan, ALMetro
Volume 15Mix 5.23% of portfolio
54/100
Sound
7© themidnite (original), Yassie (derivative work) · CC BY-SA 3.0
Florence, ALMetro
Volume 11Mix 3.83% of portfolio
45/100
Sound
8© Dan · CC BY 2.0
Decatur, ALMetro
Volume 10Mix 3.48% of portfolio
45/100
Sound

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 266Mix 92.68% of portfolio
84/100
Exceptional
Florida
Florida
2
FloridaState
Volume 15Mix 5.23% of portfolio
40/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.