River Bank & Trust mortgage approval rate & lending review
River Bank & Trust decided 2,336 mortgage applications and funded 2,219 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions River Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
River Bank & Trust at a glance
Approval is 16.2 points above the 80.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 798 / 830 | 98% | $355K | 781 |
| Home improvement loans | 94% | 374 / 396 | 99% | $75K | 370 |
| Refinance | 96% | 311 / 323 | 99% | $155K | 308 |
| Investment property purchase | 99% | 568 / 572 | 99% | $125K | 560 |
| Investment refinance | 98% | 132 / 135 | 100% | $85K | 132 |
| Investment home improvement | 93% | 56 / 60 | 98% | $105K | 55 |
River Bank & Trust lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where River Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Mobile County, AL | Mortgage lenders | 97% | 213 | 203 |
| Lee County, AL | Investment property purchase | 99% | 199 | 192 |
| Lee County, AL | Mortgage lenders | 94% | 187 | 173 |
| Baldwin County, AL | Mortgage lenders | 98% | 119 | 115 |
| Lee County, AL | Refinance | 98% | 82 | 79 |
| Lee County, AL | Home improvement loans | 94% | 85 | 78 |
| Mobile County, AL | Investment property purchase | 100% | 55 | 55 |
| Jefferson County, AL | Investment property purchase | 100% | 49 | 49 |
| Jefferson County, AL | Home improvement loans | 98% | 49 | 47 |
| Montgomery County, AL | Home improvement loans | 87% | 54 | 47 |
| Houston County, AL | Mortgage lenders | 98% | 46 | 44 |
| Montgomery County, AL | Mortgage lenders | 98% | 45 | 43 |
The county markets where River Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about River Bank & Trust
What is River Bank & Trust's mortgage approval rate?
River Bank & Trust approved 96.4% of the 2,336 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.2 points above the 80.2% national rate for the same mix of loan types.
How often do borrowers take the loan River Bank & Trust offers?
Borrowers accepted 99% of the loans River Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does River Bank & Trust make?
The typical home purchase mortgage loan River Bank & Trust made was $355K; across all loan types its typical loan ran from $75K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does River Bank & Trust lend?
River Bank & Trust decided applications in 12 of the states Fat Boy Data covers, most of them in Alabama, Florida and Georgia.
Can I apply to River Bank & Trust directly?
Yes. River Bank & Trust is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show River Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how River Bank & Trust treats applications, then get a rate quote from the lender.