Cb&S Bank Mortgage Lending & HMDA Data, 2010
In 2010, Cb&S Bank of Russellville, AL reported 632 mortgage applications totaling $49.4 million, down 19% from 2009. The average application was for $78,101, and applicants reported an average income of $68,193. 75% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Florence-Muscle Shoals, AL (66), Decatur, AL (47) and Huntsville, AL (29) (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 | 632 |
| Total Mortgage Loan Application Amount | $49,360,000 |
| Average Mortgage Loan Application Amount | $78,101 |
| Highest Mortgage Loan Application Amount | $2,947,000 |
| Average Applicant Income | $68,193 |
| Highest Applicant Income | $2,163,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 187 | $ 9,155,000 | $ 48,957 | $ 45,000 |
| Marshall, Tennessee | 56 | $ 3,019,000 | $ 53,910 | $ 62,000 |
| Colbert, Alabama | 37 | $ 5,332,000 | $ 144,108 | $ 125,000 |
| Hardeman, Tennessee | 33 | $ 1,533,000 | $ 46,454 | $ 44,000 |
| Lawrence, Alabama | 32 | $ 1,598,000 | $ 49,937 | $ 55,000 |
| Lauderdale, Alabama | 29 | $ 3,098,000 | $ 106,827 | $ 57,000 |
| Tippah, Mississippi | 29 | $ 1,440,000 | $ 49,655 | $ 51,000 |
| Madison, Alabama | 26 | $ 2,030,000 | $ 78,076 | $ 253,000 |
| Lincoln, Tennessee | 25 | $ 1,620,000 | $ 64,800 | $ 34,000 |
| Alcorn, Mississippi | 23 | $ 1,707,000 | $ 74,217 | $ 94,000 |
| Leflore, Mississippi | 22 | $ 1,003,000 | $ 45,590 | $ 58,000 |
| Washington, Mississippi | 16 | $ 1,186,000 | $ 74,125 | $ 75,000 |
| Morgan, Alabama | 15 | $ 2,338,000 | $ 155,866 | $ 132,000 |
| Giles, Tennessee | 13 | $ 924,000 | $ 71,076 | $ 34,000 |
| Webster, Mississippi | 8 | $ 818,000 | $ 102,250 | $ 106,000 |
| Itawamba, Mississippi | 7 | $ 376,000 | $ 53,714 | $ 35,000 |
| Tishomingo, Mississippi | 7 | $ 696,000 | $ 99,428 | $ 40,000 |
| Bedford, Tennessee | 7 | $ 562,000 | $ 80,285 | $ 44,000 |
| Coahoma, Mississippi | 6 | $ 122,000 | $ 20,333 | $ 28,000 |
| Benton, Mississippi | 5 | $ 334,000 | $ 66,800 | $ 58,000 |
| Oktibbeha, Mississippi | 5 | $ 417,000 | $ 83,400 | $ 42,000 |
| Rutherford, Tennessee | 5 | $ 6,336,000 | $ 1,267,200 | $ 63,000 |
| Marion, Alabama | 4 | $ 304,000 | $ 76,000 | $ 81,000 |
| Carroll, Mississippi | 4 | $ 340,000 | $ 85,000 | $ 44,000 |
| Limestone, Alabama | 3 | $ 240,000 | $ 80,000 | $ 65,000 |
| Lee, Mississippi | 3 | $ 265,000 | $ 88,333 | $ 64,000 |
| Jefferson, Alabama | 2 | $ 91,000 | $ 45,500 | $ 75,000 |
| Marshall, Alabama | 2 | $ 95,000 | $ 47,500 | $ 47,000 |
| Winston, Alabama | 2 | $ 33,000 | $ 16,500 | $ 17,000 |
| Walton, Florida | 2 | $ 702,000 | $ 351,000 | $ 434,000 |
| Prentiss, Mississippi | 2 | $ 74,000 | $ 37,000 | $ 35,000 |
| McNairy, Tennessee | 2 | $ 206,000 | $ 103,000 | $ 49,000 |
| Lee, Alabama | 1 | $ 200,000 | $ 200,000 | $ 270,000 |
| Shelby, Alabama | 1 | $ 215,000 | $ 215,000 | $ 165,000 |
| Tallapoosa, Alabama | 1 | $ 189,000 | $ 189,000 | $ 152,000 |
| Bay, Florida | 1 | $ 126,000 | $ 126,000 | $ 93,000 |
| Okaloosa, Florida | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Grenada, Mississippi | 1 | $ 33,000 | $ 33,000 | $ 35,000 |
| Lafayette, Mississippi | 1 | $ 32,000 | $ 32,000 | $ 18,000 |
| Panola, Mississippi | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Sharkey, Mississippi | 1 | $ 32,000 | $ 32,000 | $ 72,000 |
| Sunflower, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 26,000 |
| Union, Mississippi | 1 | $ 26,000 | $ 26,000 | $ 131,000 |
| Maury, Tennessee | 1 | $ 3,000 | $ 3,000 | $ 57,000 |
| Shelby, Tennessee | 1 | $ 124,000 | $ 124,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2010
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 | 404 | $34,680,000 | $85,000 | $2,947,000 | $73,000 | $2,163,000 |
| Home Purchase | 155 | $12,824,000 | $82,000 | $1,380,000 | $68,000 | $884,000 |
| Home Improvement | 73 | $1,856,000 | $25,000 | $266,000 | $42,000 | $140,000 |
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 | 499 | $40,333,000 | $80,000 | $2,947,000 | $75,000 | $2,163,000 |
| Black or African American | 50 | $2,240,000 | $44,000 | $155,000 | $61,000 | $884,000 |
| Hispanic | 46 | $1,548,000 | $33,000 | $99,000 | $33,000 | $62,000 |
| Not applicable | 25 | $3,055,000 | $122,000 | $1,380,000 | $0 | $0 |
| Not Provided | 7 | $702,000 | $100,000 | $355,000 | $45,000 | $76,000 |
| Asian | 5 | $1,482,000 | $296,000 | $979,000 | $230,000 | $770,000 |
| 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) | 614 | $47,917,000 | $78,000 | $2,947,000 | $69,000 | $2,163,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,102,000 | $91,000 | $239,000 | $49,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $341,000 | $56,000 | $88,000 | $28,000 | $38,000 |
| 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 | 474 | $38,648,000 | $81,000 | $2,947,000 | $75,000 | $2,163,000 |
| Application Withdrawn By Applicant | 84 | $5,842,000 | $69,000 | $242,000 | $58,000 | $381,000 |
| Application Denied By Financial Institution | 66 | $3,996,000 | $60,000 | $355,000 | $37,000 | $185,000 |
| Application Approved But Not Accepted | 8 | $874,000 | $109,000 | $239,000 | $61,000 | $108,000 |
| 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 | 47 | $2,518,000 | $53,000 | $160,000 | $37,000 | $185,000 |
| Debt-To-Income Ratio | 13 | $1,196,000 | $92,000 | $355,000 | $38,000 | $108,000 |
| Collateral | 4 | $186,000 | $46,000 | $125,000 | $35,000 | $60,000 |
| Employment History | 2 | $96,000 | $48,000 | $49,000 | $39,000 | $49,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2010 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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