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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

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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders

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

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
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© Unknown authorUnknown author · Public domain
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 our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

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

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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.