Cb&S Bank Mortgage Lending & HMDA Data, 2007
In 2007, Cb&S Bank of Russellville, AL reported 849 mortgage applications totaling $56.2 million, up 29% from 2006. The average application was for $66,168, and applicants reported an average income of $57,491. 84% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Florence-Muscle Shoals, AL (88), Decatur, AL (59) and Huntsville, AL (13) (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 | 849 |
| Total Mortgage Loan Application Amount | $56,177,000 |
| Average Mortgage Loan Application Amount | $66,168 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $57,491 |
| Highest Applicant Income | $2,000,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 217 | $ 21,824,000 | $ 100,571 | $ 46,000 |
| Marshall, Tennessee | 114 | $ 4,290,000 | $ 37,631 | $ 48,000 |
| Hardeman, Tennessee | 106 | $ 3,758,000 | $ 35,452 | $ 41,000 |
| Lawrence, Alabama | 52 | $ 2,452,000 | $ 47,153 | $ 62,000 |
| Colbert, Alabama | 47 | $ 2,900,000 | $ 61,702 | $ 75,000 |
| Lauderdale, Alabama | 41 | $ 2,552,000 | $ 62,243 | $ 64,000 |
| Alcorn, Mississippi | 31 | $ 3,795,000 | $ 122,419 | $ 137,000 |
| Tippah, Mississippi | 31 | $ 1,213,000 | $ 39,129 | $ 52,000 |
| Giles, Tennessee | 28 | $ 1,715,000 | $ 61,250 | $ 144,000 |
| Lincoln, Tennessee | 24 | $ 906,000 | $ 37,750 | $ 35,000 |
| Washington, Mississippi | 19 | $ 666,000 | $ 35,052 | $ 42,000 |
| Itawamba, Mississippi | 16 | $ 493,000 | $ 30,812 | $ 34,000 |
| Tishomingo, Mississippi | 16 | $ 667,000 | $ 41,687 | $ 58,000 |
| Coahoma, Mississippi | 12 | $ 738,000 | $ 61,500 | $ 54,000 |
| Leflore, Mississippi | 11 | $ 449,000 | $ 40,818 | $ 87,000 |
| Madison, Alabama | 10 | $ 1,137,000 | $ 113,700 | $ 59,000 |
| Marion, Alabama | 8 | $ 380,000 | $ 47,500 | $ 50,000 |
| Morgan, Alabama | 7 | $ 894,000 | $ 127,714 | $ 34,000 |
| Bedford, Tennessee | 7 | $ 629,000 | $ 89,857 | $ 51,000 |
| Maury, Tennessee | 7 | $ 295,000 | $ 42,142 | $ 47,000 |
| Oktibbeha, Mississippi | 4 | $ 144,000 | $ 36,000 | $ 80,000 |
| Webster, Mississippi | 4 | $ 281,000 | $ 70,250 | $ 65,000 |
| Limestone, Alabama | 3 | $ 536,000 | $ 178,666 | $ 139,000 |
| McNairy, Tennessee | 3 | $ 101,000 | $ 33,666 | $ 41,000 |
| Jefferson, Alabama | 2 | $ 302,000 | $ 151,000 | $ 25,000 |
| Winston, Alabama | 2 | $ 313,000 | $ 156,500 | $ 118,000 |
| Benton, Mississippi | 2 | $ 35,000 | $ 17,500 | $ 99,000 |
| Carroll, Mississippi | 2 | $ 26,000 | $ 13,000 | $ 72,000 |
| Tallahatchie, Mississippi | 2 | $ 67,000 | $ 33,500 | $ 37,000 |
| Chester, Tennessee | 2 | $ 80,000 | $ 40,000 | $ 36,000 |
| Fayette, Tennessee | 2 | $ 81,000 | $ 40,500 | $ 72,000 |
| Lawrence, Tennessee | 2 | $ 1,047,000 | $ 523,500 | $ 42,000 |
| Jackson, Alabama | 1 | $ 60,000 | $ 60,000 | $ 21,000 |
| Lee, Alabama | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Phillips, Arkansas | 1 | $ 26,000 | $ 26,000 | $ 30,000 |
| Walton, Florida | 1 | $ 65,000 | $ 65,000 | $ 300,000 |
| Bolivar, Mississippi | 1 | $ 4,000 | $ 4,000 | $ 44,000 |
| Choctaw, Mississippi | 1 | $ 53,000 | $ 53,000 | $ 70,000 |
| Lafayette, Mississippi | 1 | $ 39,000 | $ 39,000 | $ 36,000 |
| Pontotoc, Mississippi | 1 | $ 27,000 | $ 27,000 | $ 60,000 |
| Prentiss, Mississippi | 1 | $ 16,000 | $ 16,000 | $ 72,000 |
| Coffee, Tennessee | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Franklin, Tennessee | 1 | $ 6,000 | $ 6,000 | $ 53,000 |
| Hickman, Tennessee | 1 | $ 543,000 | $ 543,000 | $ 56,000 |
| Lewis, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 24,000 |
| Madison, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2007
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 | 468 | $37,225,000 | $79,000 | $10,000,000 | $63,000 | $2,000,000 |
| Home Purchase | 247 | $16,586,000 | $67,000 | $880,000 | $56,000 | $720,000 |
| Home Improvement | 134 | $2,366,000 | $17,000 | $147,000 | $41,000 | $300,000 |
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 | 635 | $33,206,000 | $52,000 | $880,000 | $63,000 | $1,700,000 |
| Black or African American | 100 | $3,100,000 | $31,000 | $300,000 | $39,000 | $239,000 |
| Hispanic | 61 | $2,511,000 | $41,000 | $138,000 | $34,000 | $112,000 |
| Not applicable | 41 | $16,689,000 | $407,000 | $10,000,000 | $3,000 | $129,000 |
| American Indian or Alaskan Native | 5 | $253,000 | $50,000 | $116,000 | $429,000 | $2,000,000 |
| Asian | 4 | $329,000 | $82,000 | $145,000 | $26,000 | $61,000 |
| Not Provided | 2 | $55,000 | $27,000 | $30,000 | $19,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $34,000 | $34,000 | $34,000 | $350,000 | $350,000 |
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) | 849 | $56,177,000 | $66,000 | $10,000,000 | $58,000 | $2,000,000 |
| 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 | 717 | $49,224,000 | $68,000 | $10,000,000 | $61,000 | $2,000,000 |
| Application Denied By Financial Institution | 92 | $4,018,000 | $43,000 | $300,000 | $34,000 | $239,000 |
| Application Withdrawn By Applicant | 38 | $2,838,000 | $74,000 | $500,000 | $53,000 | $378,000 |
| Application Approved But Not Accepted | 2 | $97,000 | $48,000 | $79,000 | $49,000 | $75,000 |
| File Closed For Incompleteness | 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 | 68 | $2,909,000 | $42,000 | $300,000 | $36,000 | $239,000 |
| Debt-To-Income Ratio | 15 | $706,000 | $47,000 | $83,000 | $34,000 | $83,000 |
| Collateral | 5 | $204,000 | $40,000 | $68,000 | $21,000 | $40,000 |
| Employment History | 2 | $9,000 | $4,000 | $7,000 | $16,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $170,000 | $170,000 | $170,000 | $70,000 | $70,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $13,000 | $13,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2007 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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