Cb&S Bank Mortgage Lending & HMDA Data, 2006
In 2006, Cb&S Bank of Russellville, AL reported 656 mortgage applications totaling $33.7 million, up 23% from 2005. The average application was for $51,410, and applicants reported an average income of $58,500. 91% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Florence-Muscle Shoals, AL (93), Decatur, AL (67) and Jackson, TN (8) (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 | 656 |
| Total Mortgage Loan Application Amount | $33,725,000 |
| Average Mortgage Loan Application Amount | $51,410 |
| Highest Mortgage Loan Application Amount | $549,000 |
| Average Applicant Income | $58,500 |
| Highest Applicant Income | $2,800,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 277 | $ 12,775,000 | $ 46,119 | $ 51,000 |
| Hardeman, Tennessee | 77 | $ 2,860,000 | $ 37,142 | $ 40,000 |
| Colbert, Alabama | 64 | $ 4,361,000 | $ 68,140 | $ 55,000 |
| Lawrence, Alabama | 64 | $ 2,750,000 | $ 42,968 | $ 104,000 |
| Lauderdale, Alabama | 29 | $ 2,033,000 | $ 70,103 | $ 61,000 |
| Tippah, Mississippi | 26 | $ 1,023,000 | $ 39,346 | $ 54,000 |
| Lincoln, Tennessee | 23 | $ 1,352,000 | $ 58,782 | $ 48,000 |
| Marion, Alabama | 18 | $ 839,000 | $ 46,611 | $ 55,000 |
| Alcorn, Mississippi | 15 | $ 1,378,000 | $ 91,866 | $ 73,000 |
| Itawamba, Mississippi | 13 | $ 420,000 | $ 32,307 | $ 30,000 |
| Tishomingo, Mississippi | 10 | $ 471,000 | $ 47,100 | $ 84,000 |
| Giles, Tennessee | 5 | $ 157,000 | $ 31,400 | $ 30,000 |
| Madison, Tennessee | 5 | $ 581,000 | $ 116,200 | $ 114,000 |
| Limestone, Alabama | 4 | $ 130,000 | $ 32,500 | $ 48,000 |
| Winston, Alabama | 4 | $ 251,000 | $ 62,750 | $ 41,000 |
| Morgan, Alabama | 3 | $ 141,000 | $ 47,000 | $ 52,000 |
| Chester, Tennessee | 3 | $ 85,000 | $ 28,333 | $ 93,000 |
| Fayette, Tennessee | 3 | $ 587,000 | $ 195,666 | $ 32,000 |
| McNairy, Tennessee | 3 | $ 57,000 | $ 19,000 | $ 42,000 |
| Benton, Mississippi | 2 | $ 95,000 | $ 47,500 | $ 39,000 |
| Baldwin, Alabama | 1 | $ 360,000 | $ 360,000 | $ 1,000,000 |
| Jefferson, Alabama | 1 | $ 131,000 | $ 131,000 | $ 42,000 |
| Madison, Alabama | 1 | $ 1,000 | $ 1,000 | $ 14,000 |
| Tuscaloosa, Alabama | 1 | $ 160,000 | $ 160,000 | $ 47,000 |
| Walton, Florida | 1 | $ 300,000 | $ 300,000 | $ 87,000 |
| Prentiss, Mississippi | 1 | $ 81,000 | $ 81,000 | $ 50,000 |
| Hardin, Tennessee | 1 | $ 66,000 | $ 66,000 | $ 100,000 |
| Sevier, Tennessee | 1 | $ 280,000 | $ 280,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2006
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 |
|---|---|---|---|---|---|---|
| Refinancing | 400 | $19,989,000 | $49,000 | $471,000 | $53,000 | $614,000 |
| Home Purchase | 202 | $12,482,000 | $61,000 | $549,000 | $73,000 | $2,800,000 |
| Home Improvement | 54 | $1,254,000 | $23,000 | $119,000 | $45,000 | $150,000 |
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 | 514 | $26,853,000 | $52,000 | $549,000 | $64,000 | $2,800,000 |
| Hispanic | 75 | $3,267,000 | $43,000 | $135,000 | $32,000 | $112,000 |
| Black or African American | 56 | $1,773,000 | $31,000 | $119,000 | $46,000 | $280,000 |
| Not applicable | 8 | $1,653,000 | $206,000 | $471,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $133,000 | $66,000 | $83,000 | $40,000 | $47,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $46,000 | $46,000 | $46,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 656 | $33,725,000 | $51,000 | $549,000 | $58,000 | $2,800,000 |
| 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 | 598 | $30,887,000 | $51,000 | $549,000 | $60,000 | $2,800,000 |
| Application Denied By Financial Institution | 38 | $1,755,000 | $46,000 | $160,000 | $33,000 | $186,000 |
| Application Withdrawn By Applicant | 20 | $1,083,000 | $54,000 | $131,000 | $49,000 | $216,000 |
| 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 | 36 | $1,558,000 | $43,000 | $160,000 | $33,000 | $186,000 |
| Debt-To-Income Ratio | 2 | $197,000 | $98,000 | $122,000 | $37,000 | $40,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2006 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.
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