Lender profile · HMDA 2023–2025
River Bank & Trust mortgage approval rates & lending data
River Bank & Trust decided 2,336 mortgage applications and funded 2,219 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 96% | $155K | 2,247 | 2,137 |
| Florida | 100% | $375K | 53 | 52 |
| Georgia | 88% | $255K | 16 | 12 |
| Tennessee | 100% | $195K | 6 | 6 |
| Mississippi | 80% | $335K | 5 | 4 |
| Hawaii | 100% | $355K | 2 | 2 |
| North Carolina | 50% | $1.26M | 2 | 1 |
| Colorado | 100% | $595K | 1 | 1 |
| Louisiana | 100% | $215K | 1 | 1 |
| South Carolina | 100% | $315K | 1 | 1 |
| Utah | 100% | $385K | 1 | 1 |
| Virginia | 100% | $75K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.