River Bank & Trust

61st of 889 lenders by loans funded, 2024¹

Short‑term investment‑property lender, active across Alabama, Florida, Georgia and 2 more states.

Source: 2024 verified records
Pulled: Sep 1, 2026
LEI: 5493006HAFES1LQ18W28
Excluded: 100 longer‑term (DSCR) loans
Website: Not yet verified
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Loans funded1442024, terms of 36 months or less

Principal originated$25M2024, at origination

Median note rate²8.50%15 counties reporting

Counties325 states

Where the money went

Alabama carried 93.8% of the year's loans; the three busiest counties — Madison, Houston, Coffee — carried 33.3% between them. The 25 in the ledger below account for 95.1% of 144.

1510loans in a countythe three busiest countiesstates with loansthe three lead states

The 25 busiest counties

Ranked by loans funded in 2024. Each links to the county's full lender directory.

#	County	Loans	Share	Principal	Median rate²	vs. lender²
01	Madison County, AL	20	13.9%	$3M	8.50%	0.00
02	Houston County, AL	15	10.4%	$2M	8.50%	0.00
03	Coffee County, AL	13	9.0%	$2M	8.50%	0.00
04	Mobile County, AL	12	8.3%	$2M	8.50%	0.00
05	Morgan County, AL	10	6.9%	$3M	8.50%	0.00
06	Lauderdale County, AL	9	6.3%	$1M	7.90%	−0.60
07	Lee County, AL	9	6.3%	$2M	8.50%	0.00
08	Montgomery County, AL	9	6.3%	$1M	9.00%	+0.50
09	Chilton County, AL	5	3.5%	$615K	8.55%	+0.05
10	Elmore County, AL	5	3.5%	$2M	9.00%	+0.50
11	Jefferson County, AL	5	3.5%	$845K	9.00%	+0.50
12	Baldwin County, AL	3	2.1%	$365K	9.00%	+0.50
13	Etowah County, AL	3	2.1%	$305K	9.00%	+0.50
14	Limestone County, AL	3	2.1%	$735K	8.50%	0.00
15	Santa Rosa County, FL	3	2.1%	$615K	9.00%	+0.50
16	Bay County, FL	2	1.4%	$910K	—	—
17	Chambers County, AL	2	1.4%	$200K	—	—
18	Tuscaloosa County, AL	2	1.4%	$120K	—	—
19	Autauga County, AL	1	0.7%	$155K	—	—
20	Cullman County, AL	1	0.7%	$595K	—	—
21	Dale County, AL	1	0.7%	$55K	—	—
22	Escambia County, AL	1	0.7%	$565K	—	—
23	Fannin County, GA	1	0.7%	$845K	—	—
24	Giles County, TN	1	0.7%	$185K	—	—
25	Gwinnett County, GA	1	0.7%	$255K	—	—
	Top 25 of 32	137	95.1%	$24M	8.50%lender median

1Loans are originated, business-purpose loans on investment properties with terms of 36 months or less, from 2024 verified public lending records. Counts are per county of the secured property; activity below public reporting thresholds may not appear. Ranking is by loans funded among every lender on record; it is not an endorsement, and placement is never paid.
2Rates are per-county medians of disclosed note rates; the lender-wide figure is the median of those. “vs. lender” is the county median less the lender median, in percentage points; differences under 0.25 points are set in grey.