Cb&S Bank Mortgage Lending & HMDA Data, 2025
In 2025, Cb&S Bank of Russellville, AL reported 1,328 mortgage applications totaling $278.0 million, up 9% from 2024. The average application was for $209,314, and applicants reported an average income of $132,405. 71% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Huntsville, AL (150), Florence-Muscle Shoals, AL (109) and Decatur, AL (77) (applications in parentheses).
| Mortgage Company & Address | Cb&S Bank 200 Jackson Ave. S. Russellville, AL 35653 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,328 |
| Total Mortgage Loan Application Amount | $277,970,000 |
| Average Mortgage Loan Application Amount | $209,314 |
| Highest Mortgage Loan Application Amount | $15,805,000 |
| Average Applicant Income | $132,405 |
| Highest Applicant Income | $2,747,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin, Alabama | 184 | $ 19,580,000 | $ 106,413 | $ 86,000 |
| Madison, Alabama | 112 | $ 28,950,000 | $ 258,482 | $ 192,000 |
| Colbert, Alabama | 61 | $ 16,165,000 | $ 265,000 | $ 113,000 |
| McNairy, Tennessee | 58 | $ 5,940,000 | $ 102,413 | $ 87,000 |
| Lawrence, Alabama | 53 | $ 8,215,000 | $ 155,000 | $ 99,000 |
| Lauderdale, Alabama | 48 | $ 19,150,000 | $ 398,958 | $ 128,000 |
| Washington, Mississippi | 40 | $ 7,170,000 | $ 179,250 | $ 79,000 |
| Limestone, Alabama | 38 | $ 12,130,000 | $ 319,210 | $ 166,000 |
| Tippah, Mississippi | 38 | $ 2,890,000 | $ 76,052 | $ 176,000 |
| Tishomingo, Mississippi | 35 | $ 4,345,000 | $ 124,142 | $ 107,000 |
| Alcorn, Mississippi | 34 | $ 5,770,000 | $ 169,705 | $ 125,000 |
| Decatur, Tennessee | 34 | $ 2,640,000 | $ 77,647 | $ 85,000 |
| Lincoln, Tennessee | 33 | $ 5,265,000 | $ 159,545 | $ 107,000 |
| Giles, Tennessee | 30 | $ 4,460,000 | $ 148,666 | $ 95,000 |
| Tuscaloosa, Alabama | 28 | $ 9,090,000 | $ 324,642 | $ 207,000 |
| Elmore, Alabama | 27 | $ 4,265,000 | $ 157,962 | $ 161,000 |
| Marshall, Tennessee | 26 | $ 3,650,000 | $ 140,384 | $ 108,000 |
| Hardeman, Tennessee | 25 | $ 2,505,000 | $ 100,200 | $ 109,000 |
| Morgan, Alabama | 24 | $ 4,290,000 | $ 178,750 | $ 122,000 |
| Hardin, Tennessee | 24 | $ 3,580,000 | $ 149,166 | $ 109,000 |
| Jefferson, Alabama | 20 | $ 21,740,000 | $ 1,087,000 | $ 224,000 |
| Montgomery, Alabama | 20 | $ 4,200,000 | $ 210,000 | $ 211,000 |
| Itawamba, Mississippi | 20 | $ 1,880,000 | $ 94,000 | $ 84,000 |
| Lee, Mississippi | 19 | $ 2,485,000 | $ 130,789 | $ 90,000 |
| Rutherford, Tennessee | 19 | $ 5,245,000 | $ 276,052 | $ 253,000 |
| Coahoma, Mississippi | 17 | $ 1,965,000 | $ 115,588 | $ 97,000 |
| Lewis, Tennessee | 16 | $ 2,230,000 | $ 139,375 | $ 77,000 |
| Marion, Alabama | 15 | $ 1,205,000 | $ 80,333 | $ 68,000 |
| Webster, Mississippi | 13 | $ 785,000 | $ 60,384 | $ 97,000 |
| Williamson, Tennessee | 12 | $ 12,670,000 | $ 1,055,833 | $ 592,000 |
| Henderson, Tennessee | 11 | $ 1,035,000 | $ 94,090 | $ 59,000 |
| Shelby, Alabama | 10 | $ 4,600,000 | $ 460,000 | $ 612,000 |
| Winston, Alabama | 10 | $ 5,960,000 | $ 596,000 | $ 163,000 |
| Leflore, Mississippi | 10 | $ 770,000 | $ 77,000 | $ 77,000 |
| Tallapoosa, Alabama | 9 | $ 1,025,000 | $ 113,888 | $ 97,000 |
| Chester, Tennessee | 8 | $ 2,300,000 | $ 287,500 | $ 136,000 |
| Lee, Alabama | 7 | $ 2,495,000 | $ 356,428 | $ 393,000 |
| Marshall, Alabama | 7 | $ 2,945,000 | $ 420,714 | $ 158,000 |
| Cullman, Alabama | 6 | $ 2,250,000 | $ 375,000 | $ 209,000 |
| DeSoto, Mississippi | 6 | $ 1,350,000 | $ 225,000 | $ 104,000 |
| Maury, Tennessee | 6 | $ 790,000 | $ 131,666 | $ 84,000 |
| Autauga, Alabama | 5 | $ 815,000 | $ 163,000 | $ 121,000 |
| Bay, Florida | 5 | $ 1,025,000 | $ 205,000 | $ 144,000 |
| Davidson, Tennessee | 5 | $ 3,285,000 | $ 657,000 | $ 227,000 |
| Lafayette, Mississippi | 4 | $ 690,000 | $ 172,500 | $ 248,000 |
| Prentiss, Mississippi | 4 | $ 900,000 | $ 225,000 | $ 29,000 |
| Fayette, Tennessee | 4 | $ 490,000 | $ 122,500 | $ 75,000 |
| Madison, Tennessee | 4 | $ 540,000 | $ 135,000 | $ 99,000 |
| Jackson, Alabama | 3 | $ 205,000 | $ 68,333 | $ 333,000 |
| Benton, Mississippi | 3 | $ 115,000 | $ 38,333 | $ 69,000 |
| Sunflower, Mississippi | 3 | $ 145,000 | $ 48,333 | $ 54,000 |
| Union, Mississippi | 3 | $ 315,000 | $ 105,000 | $ 44,000 |
| Franklin, Tennessee | 3 | $ 435,000 | $ 145,000 | $ 108,000 |
| Chambers, Alabama | 2 | $ 310,000 | $ 155,000 | $ 123,000 |
| Chilton, Alabama | 2 | $ 200,000 | $ 100,000 | $ 55,000 |
| Coffee, Alabama | 2 | $ 1,910,000 | $ 955,000 | $ 0 |
| Coosa, Alabama | 2 | $ 710,000 | $ 355,000 | $ 0 |
| DeKalb, Alabama | 2 | $ 690,000 | $ 345,000 | $ 215,000 |
| Walker, Alabama | 2 | $ 550,000 | $ 275,000 | $ 119,000 |
| Hillsborough, Florida | 2 | $ 840,000 | $ 420,000 | $ 175,000 |
| Fulton, Georgia | 2 | $ 460,000 | $ 230,000 | $ 111,000 |
| Carroll, Mississippi | 2 | $ 180,000 | $ 90,000 | $ 160,000 |
| Choctaw, Mississippi | 2 | $ 280,000 | $ 140,000 | $ 71,000 |
| Grenada, Mississippi | 2 | $ 40,000 | $ 20,000 | $ 44,000 |
| Monroe, Mississippi | 2 | $ 70,000 | $ 35,000 | $ 32,000 |
| Montgomery, Mississippi | 2 | $ 160,000 | $ 80,000 | $ 127,000 |
| Haywood, Tennessee | 2 | $ 420,000 | $ 210,000 | $ 195,000 |
| Perry, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 42,000 |
| Tipton, Tennessee | 2 | $ 300,000 | $ 150,000 | $ 138,000 |
| Baldwin, Alabama | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Bibb, Alabama | 1 | $ 125,000 | $ 125,000 | $ 102,000 |
| Blount, Alabama | 1 | $ 25,000 | $ 25,000 | $ 147,000 |
| Calhoun, Alabama | 1 | $ 565,000 | $ 565,000 | $ 170,000 |
| Escambia, Alabama | 1 | $ 105,000 | $ 105,000 | $ 319,000 |
| Hale, Alabama | 1 | $ 545,000 | $ 545,000 | $ 186,000 |
| Pickens, Alabama | 1 | $ 315,000 | $ 315,000 | $ 119,000 |
| Russell, Alabama | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| St. Clair, Alabama | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Talladega, Alabama | 1 | $ 75,000 | $ 75,000 | $ 138,000 |
| Broward, Florida | 1 | $ 705,000 | $ 705,000 | $ 250,000 |
| Gulf, Florida | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 175,000 | $ 175,000 | $ 132,000 |
| Pinellas, Florida | 1 | $ 455,000 | $ 455,000 | $ 277,000 |
| Walton, Florida | 1 | $ 665,000 | $ 665,000 | $ 328,000 |
| Floyd, Georgia | 1 | $ 315,000 | $ 315,000 | $ 145,000 |
| Richmond, Georgia | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Sangamon, Illinois | 1 | $ 365,000 | $ 365,000 | $ 153,000 |
| East Carroll, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Leake, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Lowndes, Mississippi | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Madison, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 175,000 |
| Neshoba, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Newton, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Oktibbeha, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Pontotoc, Mississippi | 1 | $ 325,000 | $ 325,000 | $ 10,000 |
| Sharkey, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Tallahatchie, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Eddy, New Mexico | 1 | $ 415,000 | $ 415,000 | $ 204,000 |
| Yancey, North Carolina | 1 | $ 615,000 | $ 615,000 | $ 539,000 |
| Cannon, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 212,000 |
| Coffee, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 106,000 |
| Humphreys, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lawrence, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| Sumner, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Travis, Texas | 1 | $ 555,000 | $ 555,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 509 | $151,695,000 | $298,000 | $15,805,000 | $142,000 | $2,747,000 |
| Refinancing | 383 | $88,845,000 | $231,000 | $10,005,000 | $135,000 | $1,702,000 |
| Home Improvement | 242 | $18,520,000 | $76,000 | $505,000 | $115,000 | $570,000 |
| Other Purpose | 176 | $15,920,000 | $90,000 | $705,000 | $128,000 | $2,137,000 |
| Cash-out Refinancing | 18 | $2,990,000 | $166,000 | $315,000 | $83,000 | $221,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 982 | $172,300,000 | $175,000 | $2,435,000 | $135,000 | $2,747,000 |
| Not applicable | 133 | $73,535,000 | $552,000 | $15,805,000 | $0 | $0 |
| Black or African American | 100 | $9,890,000 | $98,000 | $645,000 | $93,000 | $481,000 |
| Hispanic | 48 | $6,780,000 | $141,000 | $705,000 | $84,000 | $529,000 |
| Not Provided | 35 | $7,695,000 | $219,000 | $1,005,000 | $172,000 | $632,000 |
| Asian | 25 | $6,395,000 | $255,000 | $725,000 | $191,000 | $1,224,000 |
| American Indian or Alaskan Native | 3 | $1,045,000 | $348,000 | $495,000 | $203,000 | $271,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $305,000 | $305,000 | $305,000 | $155,000 | $155,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,278 | $264,200,000 | $206,000 | $15,805,000 | $133,000 | $2,747,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,545,000 | $154,000 | $315,000 | $65,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 21 | $9,035,000 | $430,000 | $645,000 | $160,000 | $274,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,190,000 | $198,000 | $445,000 | $62,000 | $99,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 940 | $202,470,000 | $215,000 | $15,805,000 | $146,000 | $2,137,000 |
| Application Denied By Financial Institution | 201 | $30,415,000 | $151,000 | $1,605,000 | $76,000 | $481,000 |
| Application Withdrawn By Applicant | 143 | $37,725,000 | $263,000 | $7,805,000 | $125,000 | $2,747,000 |
| Application Approved But Not Accepted | 30 | $5,050,000 | $168,000 | $725,000 | $128,000 | $458,000 |
| File Closed For Incompleteness | 14 | $2,310,000 | $165,000 | $905,000 | $98,000 | $263,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 625 | $169,695,000 | $271,000 | $15,805,000 | $127,000 | $2,747,000 |
| Debt-To-Income Ratio | 624 | $95,880,000 | $153,000 | $10,005,000 | $144,000 | $2,137,000 |
| Credit History | 54 | $7,700,000 | $142,000 | $1,605,000 | $64,000 | $336,000 |
| Other | 11 | $2,505,000 | $227,000 | $975,000 | $109,000 | $247,000 |
| Collateral | 7 | $1,395,000 | $199,000 | $375,000 | $62,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $310,000 | $77,000 | $105,000 | $51,000 | $51,000 |
| Unverifiable Information | 2 | $290,000 | $145,000 | $155,000 | $88,000 | $100,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $72,000 | $72,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cb&S Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About