Cb&S Bank Mortgage Lending & HMDA Data, 2004
In 2004, Cb&S Bank of Russellville, AL reported 397 mortgage applications totaling $22.1 million, down 25% from 2003. The average application was for $55,682, and applicants reported an average income of $48,886. 81% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Florence-Muscle Shoals, AL (74), Decatur, AL (30) and Huntsville, AL (2) (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 | 397 |
| Total Mortgage Loan Application Amount | $22,106,000 |
| Average Mortgage Loan Application Amount | $55,682 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $48,886 |
| Highest Applicant Income | $338,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 211 | $ 10,694,000 | $ 50,682 | $ 37,000 |
| Colbert, Alabama | 48 | $ 3,335,000 | $ 69,479 | $ 62,000 |
| Lawrence, Alabama | 29 | $ 1,842,000 | $ 63,517 | $ 44,000 |
| Lauderdale, Alabama | 26 | $ 1,496,000 | $ 57,538 | $ 38,000 |
| Tippah, Mississippi | 21 | $ 921,000 | $ 43,857 | $ 45,000 |
| Tishomingo, Mississippi | 16 | $ 575,000 | $ 35,937 | $ 44,000 |
| Alcorn, Mississippi | 14 | $ 832,000 | $ 59,428 | $ 136,000 |
| Itawamba, Mississippi | 10 | $ 496,000 | $ 49,600 | $ 36,000 |
| Marion, Alabama | 6 | $ 158,000 | $ 26,333 | $ 33,000 |
| Winston, Alabama | 3 | $ 82,000 | $ 27,333 | $ 31,000 |
| Union, Mississippi | 3 | $ 43,000 | $ 14,333 | $ 60,000 |
| Madison, Alabama | 2 | $ 849,000 | $ 424,500 | $ 168,000 |
| Jefferson, Alabama | 1 | $ 64,000 | $ 64,000 | $ 42,000 |
| Morgan, Alabama | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Maricopa, Arizona | 1 | $ 216,000 | $ 216,000 | $ 190,000 |
| Lee, Mississippi | 1 | $ 67,000 | $ 67,000 | $ 147,000 |
| Giles, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Maury, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 126,000 |
| McNairy, Tennessee | 1 | $ 11,000 | $ 11,000 | $ 40,000 |
| Shelby, Tennessee | 1 | $ 117,000 | $ 117,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2004
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 | 202 | $11,991,000 | $100,500 | $750,000 | $98,000 | $300,000 |
| Refinancing | 167 | $9,624,000 | $41,333 | $228,000 | $56,333 | $338,000 |
| Home Improvement | 28 | $491,000 | $16,500 | $99,000 | $46,000 | $120,000 |
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 | 315 | $18,743,000 | $56,666 | $750,000 | $63,000 | $300,000 |
| Hispanic | 61 | $2,341,000 | $38,000 | $125,000 | $33,000 | $97,000 |
| Black or African American | 12 | $412,000 | $39,500 | $82,000 | $47,500 | $130,000 |
| Not applicable | 3 | $124,000 | $41,000 | $80,000 | $18,000 | $74,000 |
| Not Provided | 3 | $46,000 | $15,000 | $23,000 | $47,000 | $120,000 |
| American Indian or Alaskan Native | 2 | $224,000 | $112,000 | $139,000 | $184,000 | $338,000 |
| Asian | 1 | $216,000 | $216,000 | $216,000 | $190,000 | $190,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 397 | $22,106,000 | $95,750 | $750,000 | $96,250 | $338,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 320 | $17,493,000 | $94,750 | $750,000 | $102,250 | $338,000 |
| Application Denied By Financial Institution | 52 | $3,403,000 | $62,500 | $590,000 | $36,500 | $100,000 |
| Application Withdrawn By Applicant | 25 | $1,210,000 | $55,500 | $125,000 | $43,000 | $133,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 37 | $1,754,000 | $47,000 | $288,000 | $34,500 | $100,000 |
| Collateral | 8 | $938,000 | $89,500 | $590,000 | $37,500 | $58,000 |
| Debt-To-Income Ratio | 5 | $627,000 | $147,500 | $323,000 | $42,500 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $84,000 | $42,000 | $50,000 | $31,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2004 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.
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with aggregated HMDA statistics today.
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