Cb&S Bank Mortgage Lending & HMDA Data, 2009
In 2009, Cb&S Bank of Russellville, AL reported 776 mortgage applications totaling $59.8 million, down 12% from 2008. The average application was for $77,036, and applicants reported an average income of $61,288. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Florence-Muscle Shoals, AL (81), Decatur, AL (65) and Huntsville, AL (36) (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 | 776 |
| Total Mortgage Loan Application Amount | $59,780,000 |
| Average Mortgage Loan Application Amount | $77,036 |
| Highest Mortgage Loan Application Amount | $2,627,000 |
| Average Applicant Income | $61,288 |
| Highest Applicant Income | $1,639,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 165 | $ 10,595,000 | $ 64,212 | $ 48,000 |
| Marshall, Tennessee | 78 | $ 3,452,000 | $ 44,256 | $ 46,000 |
| Hardeman, Tennessee | 58 | $ 1,839,000 | $ 31,706 | $ 42,000 |
| Colbert, Alabama | 45 | $ 4,636,000 | $ 103,022 | $ 67,000 |
| Lawrence, Alabama | 44 | $ 3,040,000 | $ 69,090 | $ 72,000 |
| Lincoln, Tennessee | 39 | $ 2,456,000 | $ 62,974 | $ 45,000 |
| Lauderdale, Alabama | 36 | $ 5,289,000 | $ 146,916 | $ 63,000 |
| Washington, Mississippi | 30 | $ 1,487,000 | $ 49,566 | $ 58,000 |
| Madison, Alabama | 29 | $ 2,673,000 | $ 92,172 | $ 64,000 |
| Leflore, Mississippi | 25 | $ 1,169,000 | $ 46,760 | $ 68,000 |
| Giles, Tennessee | 22 | $ 838,000 | $ 38,090 | $ 36,000 |
| Morgan, Alabama | 21 | $ 848,000 | $ 40,380 | $ 64,000 |
| Alcorn, Mississippi | 20 | $ 2,193,000 | $ 109,650 | $ 45,000 |
| Coahoma, Mississippi | 17 | $ 2,716,000 | $ 159,764 | $ 78,000 |
| Tippah, Mississippi | 17 | $ 744,000 | $ 43,764 | $ 58,000 |
| Marion, Alabama | 14 | $ 363,000 | $ 25,928 | $ 49,000 |
| Itawamba, Mississippi | 13 | $ 824,000 | $ 63,384 | $ 38,000 |
| Oktibbeha, Mississippi | 12 | $ 1,568,000 | $ 130,666 | $ 63,000 |
| Tishomingo, Mississippi | 12 | $ 856,000 | $ 71,333 | $ 52,000 |
| Limestone, Alabama | 7 | $ 1,296,000 | $ 185,142 | $ 412,000 |
| Webster, Mississippi | 6 | $ 944,000 | $ 157,333 | $ 48,000 |
| Rutherford, Tennessee | 6 | $ 1,173,000 | $ 195,500 | $ 91,000 |
| Maury, Tennessee | 5 | $ 163,000 | $ 32,600 | $ 58,000 |
| McNairy, Tennessee | 5 | $ 268,000 | $ 53,600 | $ 46,000 |
| Lee, Mississippi | 4 | $ 595,000 | $ 148,750 | $ 391,000 |
| Winston, Alabama | 3 | $ 477,000 | $ 159,000 | $ 84,000 |
| Benton, Mississippi | 3 | $ 100,000 | $ 33,333 | $ 82,000 |
| Union, Mississippi | 3 | $ 243,000 | $ 81,000 | $ 114,000 |
| Bedford, Tennessee | 3 | $ 650,000 | $ 216,666 | $ 8,000 |
| Carroll, Mississippi | 2 | $ 51,000 | $ 25,500 | $ 52,000 |
| Lafayette, Mississippi | 2 | $ 83,000 | $ 41,500 | $ 170,000 |
| Tallahatchie, Mississippi | 2 | $ 81,000 | $ 40,500 | $ 25,000 |
| Carroll, Tennessee | 2 | $ 147,000 | $ 73,500 | $ 129,000 |
| Madison, Tennessee | 2 | $ 72,000 | $ 36,000 | $ 43,000 |
| Shelby, Tennessee | 2 | $ 1,280,000 | $ 640,000 | $ 16,000 |
| Baldwin, Alabama | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Calhoun, Alabama | 1 | $ 53,000 | $ 53,000 | $ 110,000 |
| Cullman, Alabama | 1 | $ 62,000 | $ 62,000 | $ 92,000 |
| Jackson, Alabama | 1 | $ 183,000 | $ 183,000 | $ 191,000 |
| Jefferson, Alabama | 1 | $ 127,000 | $ 127,000 | $ 481,000 |
| Marshall, Alabama | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Mobile, Alabama | 1 | $ 203,000 | $ 203,000 | $ 385,000 |
| Shelby, Alabama | 1 | $ 153,000 | $ 153,000 | $ 358,000 |
| Chicot, Arkansas | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Faulkner, Arkansas | 1 | $ 2,000 | $ 2,000 | $ 33,000 |
| Bay, Florida | 1 | $ 88,000 | $ 88,000 | $ 111,000 |
| Walton, Florida | 1 | $ 221,000 | $ 221,000 | $ 227,000 |
| Choctaw, Mississippi | 1 | $ 69,000 | $ 69,000 | $ 37,000 |
| Grenada, Mississippi | 1 | $ 4,000 | $ 4,000 | $ 32,000 |
| Issaquena, Mississippi | 1 | $ 16,000 | $ 16,000 | $ 61,000 |
| Lowndes, Mississippi | 1 | $ 94,000 | $ 94,000 | $ 180,000 |
| Madison, Mississippi | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
| Panola, Mississippi | 1 | $ 166,000 | $ 166,000 | $ 52,000 |
| Cannon, Tennessee | 1 | $ 59,000 | $ 59,000 | $ 19,000 |
| Franklin, Tennessee | 1 | $ 42,000 | $ 42,000 | $ 61,000 |
| Hickman, Tennessee | 1 | $ 2,095,000 | $ 2,095,000 | $ 49,000 |
| Williamson, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2009
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 | 467 | $38,773,000 | $83,000 | $2,627,000 | $59,000 | $1,639,000 |
| Home Purchase | 217 | $19,024,000 | $87,000 | $1,232,000 | $71,000 | $1,382,000 |
| Home Improvement | 92 | $1,983,000 | $21,000 | $145,000 | $50,000 | $220,000 |
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 | 595 | $43,227,000 | $72,000 | $2,095,000 | $70,000 | $1,639,000 |
| Black or African American | 93 | $3,031,000 | $32,000 | $149,000 | $41,000 | $216,000 |
| Not applicable | 43 | $10,678,000 | $248,000 | $2,627,000 | $0 | $0 |
| Hispanic | 33 | $1,750,000 | $53,000 | $249,000 | $38,000 | $98,000 |
| Not Provided | 9 | $732,000 | $81,000 | $195,000 | $48,000 | $136,000 |
| Asian | 3 | $362,000 | $120,000 | $137,000 | $72,000 | $82,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 742 | $56,701,000 | $76,000 | $2,627,000 | $62,000 | $1,639,000 |
| FHA-insured (Federal Housing Administration) | 28 | $2,624,000 | $93,000 | $209,000 | $46,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $333,000 | $66,000 | $85,000 | $25,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 1 | $122,000 | $122,000 | $122,000 | $42,000 | $42,000 |
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 | 553 | $45,018,000 | $81,000 | $2,627,000 | $67,000 | $1,639,000 |
| Application Denied By Financial Institution | 127 | $7,151,000 | $56,000 | $230,000 | $37,000 | $136,000 |
| Application Withdrawn By Applicant | 96 | $7,611,000 | $79,000 | $209,000 | $59,000 | $385,000 |
| 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 | 80 | $3,617,000 | $45,000 | $230,000 | $40,000 | $136,000 |
| Debt-To-Income Ratio | 39 | $3,163,000 | $81,000 | $227,000 | $32,000 | $67,000 |
| Collateral | 3 | $111,000 | $37,000 | $48,000 | $30,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $147,000 | $49,000 | $55,000 | $24,000 | $27,000 |
| Unverifiable Information | 1 | $49,000 | $49,000 | $49,000 | $24,000 | $24,000 |
| Employment History | 1 | $64,000 | $64,000 | $64,000 | $19,000 | $19,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2009 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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