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The Lender Report built this page from public records. River Bank & Trust has not reviewed it. Every lender's page starts this way, and it says nothing about River Bank & Trust itself. Each figure shows its source and date. Work at River Bank & Trust? You can claim this page for free.
Multifamily record
River Bank & Trust: multifamily loans made
River Bank & Trust, a bank based in Prattville, AL, made 27 multifamily loans in 2024 and 2025, $15.5M in all, in 2 states. The typical loan was about $500K, and the largest about $2M. Most were in Houston County, AL.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 27
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $15.5M
- HMDA,
- Rounded amounts
- Typical loan
- $500K
- HMDA,
- Largest loan
- $2M
- HMDA,
- Rounded to 2 significant figures
- States
- 2
- HMDA,
Cite this
Source: The Lender Report, River Bank & Trust: multifamily loans made, https://lender.report/lender/river-bank-and-trust-al/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Houston County, AL | Purchase, 5 to 24 units | $900K | 6.25% | 5 yr | 74% | HMDA 2025 |
| 2025 | Houston County, AL | Purchase, 5 to 24 units | $880K | 7.55% | 3 yr | 63% | HMDA 2025 |
| 2025 | Autauga County, AL | Refinance, 5 to 24 units | $760K | 7.5% | 1 yr | 65% | HMDA 2025 |
| 2025 | Coffee County, AL | Purchase, 5 to 24 units | $740K | 7.95% | 3 yr | 75% | HMDA 2025 |
| 2025 | Madison County, AL | Refinance, 5 to 24 units | $620K | 7.45% | 3 yr | 80% | HMDA 2025 |
| 2025 | Alabama | Purchase, 5 to 24 units | $580K | 7.75% | 5 yr | 80% | HMDA 2025 |
| 2025 | Dale County, AL | Refinance, 5 to 24 units | $580K | 7.5% | 3 yr | 72% | HMDA 2025 |
| 2025 | Limestone County, AL | Refinance, 5 to 24 units | $560K | 7.79% | 5 yr | 75% | HMDA 2025 |
| 2025 | Pike County, AL | Refinance, 5 to 24 units | $520K | 7.5% | 5 yr | 75% | HMDA 2025 |
| 2025 | Houston County, AL | Purchase, 5 to 24 units | $500K | 7.95% | 3 yr | 49% | HMDA 2025 |
| 2025 | Lauderdale County, AL | Improvement, 5 to 24 units | $500K | 7.75% | 1 yr | 60% | HMDA 2025 |
| 2025 | Coffee County, AL | Purchase, 5 to 24 units | $460K | 8% | 3 yr | 80% | HMDA 2025 |
| 2025 | Colbert County, AL | Purchase, 5 to 24 units | $440K | 7% | 5 yr | 80% | HMDA 2025 |
| 2025 | Houston County, AL | Purchase, 5 to 24 units | $440K | 7.5% | 5 yr | 53% | HMDA 2025 |
| 2025 | Houston County, AL | Improvement, 5 to 24 units | $400K | 7.5% | 1 yr | 53% | HMDA 2025 |
| 2025 | Montgomery County, AL | Refinance, 5 to 24 units | $280K | 7.25% | 12 yr | 78% | HMDA 2025 |
| 2025 | Houston County, AL | Refinance, 5 to 24 units | $240K | 7.35% | 3 yr | 67% | HMDA 2025 |
| 2025 | Coffee County, AL | Refinance, 5 to 24 units | $200K | 7.75% | 5 yr | 42% | HMDA 2025 |
| 2025 | Madison County, AL | Refinance, 5 to 24 units | $160K | 8.5% | 5 yr | 28% | HMDA 2025 |
| 2025 | Dale County, AL | Purchase, 5 to 24 units | $120K | 8% | 2 yr | 72% | HMDA 2025 |
| 2024 | Montgomery County, AL | Refinance, 50 to 99 units | $2M | 8.5% | 15 yr | 50% | HMDA 2024 |
| 2024 | Tennessee | Purchase, 25 to 49 units | $1.6M | 8% | 5 yr | 75% | HMDA 2024 |
| 2024 | Houston County, AL | Purchase, 5 to 24 units | $580K | 7.75% | 2 yr | 77% | HMDA 2024 |
| 2024 | Geneva County, AL | Purchase, 5 to 24 units | $560K | 8.75% | 5 yr | 74% | HMDA 2024 |
| 2024 | Colbert County, AL | Purchase, 5 to 24 units | $400K | 7.85% | 5 yr | 70% | HMDA 2024 |
| 27 multifamily loans made in 2024 and 2025 | $15.5M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Houston County, AL | County | 7 | $3.94M |
| Coffee County, AL | County | 3 | $1.40M |
| Montgomery County, AL | County | 3 | $2.44M |
| Colbert County, AL | County | 2 | $840K |
| Dale County, AL | County | 2 | $700K |
| Madison County, AL | County | 2 | $780K |
| Alabama | State | 1 | $580K |
| Autauga County, AL | County | 1 | $760K |
| Birmingham, AL | Metro area | 1 | $280K |
| Geneva County, AL | County | 1 | $560K |
| Lauderdale County, AL | County | 1 | $500K |
| Limestone County, AL | County | 1 | $560K |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 25 | $11.9M |
| $1M to $2.5M | 2 | $3.60M |
| $2.5M to $5M | 0 | $0 |
| $5M to $10M | 0 | $0 |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 7 | $5.58M | $560K |
| 2025 | 20 | $9.88M | $500K |
| Purpose | Loans |
|---|---|
| Purchase | 14 |
| Refinance | 11 |
| Improvement | 2 |
| Units | Loans |
|---|---|
| 5 to 24 units | 25 |
| 25 to 49 units | 1 |
| 50 to 99 units | 1 |
- River Bank & Trust made 27 multifamily loans totaling $15.5M in 2024 and 2025, in 14 named places across 2 states. HMDA,
- It made 20 of them in 2025 and 7 in 2024. HMDA,
- The typical loan was about $500K, with the middle half between $280K and $620K. HMDA,
- The largest was about $2M. Every amount is rounded to 2 significant figures. HMDA,
- 25 loans were under $1M, and 0 were $5M or more. HMDA,
- It reported a median rate of 7.75% on 27 loans, with the middle half between 7.50% and 8.00%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 72%. HMDA,
- 41% of the loans were refinancings and 52% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 25 loans. HMDA,
- HMDA shows 1 of the 27 multifamily loans River Bank & Trust made with a known channel in 2024 to 2025 as coming through a third party. HMDA,
- Its loans were most often in Houston County, AL (7), Coffee County, AL (3) and Montgomery County, AL (3). HMDA,
What we don't know
- Whether River Bank & Trust is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.