Cb&S Bank Mortgage Lending & HMDA Data, 2011
In 2011, Cb&S Bank of Russellville, AL reported 554 mortgage applications totaling $47.8 million, down 12% from 2010. The average application was for $86,281, and applicants reported an average income of $74,940. 68% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Florence-Muscle Shoals, AL (58), Decatur, AL (44) and Huntsville, AL (23) (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 | 554 |
| Total Mortgage Loan Application Amount | $47,800,000 |
| Average Mortgage Loan Application Amount | $86,281 |
| Highest Mortgage Loan Application Amount | $3,999,000 |
| Average Applicant Income | $74,940 |
| Highest Applicant Income | $4,118,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 134 | $ 6,644,000 | $ 49,582 | $ 48,000 |
| Marshall, Tennessee | 59 | $ 3,194,000 | $ 54,135 | $ 62,000 |
| Colbert, Alabama | 36 | $ 10,977,000 | $ 304,916 | $ 182,000 |
| Lawrence, Alabama | 32 | $ 1,881,000 | $ 58,781 | $ 52,000 |
| Hardeman, Tennessee | 26 | $ 941,000 | $ 36,192 | $ 41,000 |
| Lincoln, Tennessee | 26 | $ 1,378,000 | $ 53,000 | $ 41,000 |
| Alcorn, Mississippi | 23 | $ 1,325,000 | $ 57,608 | $ 68,000 |
| Lauderdale, Alabama | 22 | $ 1,423,000 | $ 64,681 | $ 58,000 |
| Madison, Alabama | 17 | $ 1,576,000 | $ 92,705 | $ 159,000 |
| Rutherford, Tennessee | 17 | $ 2,993,000 | $ 176,058 | $ 227,000 |
| Tippah, Mississippi | 16 | $ 670,000 | $ 41,875 | $ 51,000 |
| Giles, Tennessee | 16 | $ 851,000 | $ 53,187 | $ 47,000 |
| Leflore, Mississippi | 13 | $ 545,000 | $ 41,923 | $ 43,000 |
| Morgan, Alabama | 12 | $ 688,000 | $ 57,333 | $ 62,000 |
| Coahoma, Mississippi | 12 | $ 826,000 | $ 68,833 | $ 76,000 |
| Itawamba, Mississippi | 11 | $ 447,000 | $ 40,636 | $ 38,000 |
| Washington, Mississippi | 11 | $ 607,000 | $ 55,181 | $ 108,000 |
| Oktibbeha, Mississippi | 7 | $ 626,000 | $ 89,428 | $ 44,000 |
| Jefferson, Alabama | 6 | $ 330,000 | $ 55,000 | $ 42,000 |
| Limestone, Alabama | 6 | $ 1,082,000 | $ 180,333 | $ 160,000 |
| Tishomingo, Mississippi | 6 | $ 210,000 | $ 35,000 | $ 46,000 |
| Winston, Alabama | 4 | $ 236,000 | $ 59,000 | $ 41,000 |
| McNairy, Tennessee | 4 | $ 520,000 | $ 130,000 | $ 97,000 |
| Marion, Alabama | 3 | $ 91,000 | $ 30,333 | $ 29,000 |
| Lee, Mississippi | 3 | $ 251,000 | $ 83,666 | $ 68,000 |
| Shelby, Alabama | 2 | $ 404,000 | $ 202,000 | $ 127,000 |
| Carroll, Mississippi | 2 | $ 110,000 | $ 55,000 | $ 24,000 |
| Choctaw, Mississippi | 2 | $ 73,000 | $ 36,500 | $ 35,000 |
| Pontotoc, Mississippi | 2 | $ 61,000 | $ 30,500 | $ 55,000 |
| Union, Mississippi | 2 | $ 43,000 | $ 21,500 | $ 131,000 |
| Maury, Tennessee | 2 | $ 105,000 | $ 52,500 | $ 18,000 |
| Baldwin, Alabama | 1 | $ 128,000 | $ 128,000 | $ 328,000 |
| Jackson, Alabama | 1 | $ 26,000 | $ 26,000 | $ 42,000 |
| Walker, Alabama | 1 | $ 83,000 | $ 83,000 | $ 103,000 |
| Bay, Florida | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Walton, Florida | 1 | $ 419,000 | $ 419,000 | $ 358,000 |
| Bolivar, Mississippi | 1 | $ 103,000 | $ 103,000 | $ 56,000 |
| Lafayette, Mississippi | 1 | $ 73,000 | $ 73,000 | $ 17,000 |
| Prentiss, Mississippi | 1 | $ 190,000 | $ 190,000 | $ 177,000 |
| Webster, Mississippi | 1 | $ 10,000 | $ 10,000 | $ 21,000 |
| Winston, Mississippi | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Chester, Tennessee | 1 | $ 36,000 | $ 36,000 | $ 120,000 |
| Fayette, Tennessee | 1 | $ 30,000 | $ 30,000 | $ 26,000 |
| Franklin, Tennessee | 1 | $ 41,000 | $ 41,000 | $ 295,000 |
| Hamilton, Tennessee | 1 | $ 274,000 | $ 274,000 | $ 35,000 |
| Hardin, Tennessee | 1 | $ 606,000 | $ 606,000 | $ 0 |
| Lawrence, Tennessee | 1 | $ 57,000 | $ 57,000 | $ 52,000 |
| Madison, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 35,000 |
| Obion, Tennessee | 1 | $ 7,000 | $ 7,000 | $ 46,000 |
| Sevier, Tennessee | 1 | $ 266,000 | $ 266,000 | $ 78,000 |
| Williamson, Tennessee | 1 | $ 3,999,000 | $ 3,999,000 | $ 1,000,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2011
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 | 350 | $31,271,000 | $89,000 | $3,999,000 | $75,000 | $4,118,000 |
| Home Purchase | 159 | $15,562,000 | $97,000 | $3,900,000 | $83,000 | $2,522,000 |
| Home Improvement | 45 | $967,000 | $21,000 | $162,000 | $46,000 | $98,000 |
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 | 434 | $33,727,000 | $77,000 | $3,999,000 | $86,000 | $4,118,000 |
| Black or African American | 60 | $2,928,000 | $48,000 | $421,000 | $48,000 | $143,000 |
| Hispanic | 28 | $1,101,000 | $39,000 | $97,000 | $31,000 | $73,000 |
| Not applicable | 26 | $9,356,000 | $359,000 | $3,900,000 | $0 | $0 |
| Not Provided | 2 | $260,000 | $130,000 | $145,000 | $94,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $176,000 | $88,000 | $103,000 | $36,000 | $56,000 |
| American Indian or Alaskan Native | 1 | $46,000 | $46,000 | $46,000 | $52,000 | $52,000 |
| Asian | 1 | $206,000 | $206,000 | $206,000 | $138,000 | $138,000 |
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) | 537 | $45,988,000 | $85,000 | $3,999,000 | $75,000 | $4,118,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,194,000 | $99,000 | $168,000 | $48,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 3 | $451,000 | $150,000 | $200,000 | $104,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $167,000 | $83,000 | $85,000 | $24,000 | $39,000 |
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 | 374 | $35,364,000 | $94,000 | $3,999,000 | $87,000 | $4,118,000 |
| Application Withdrawn By Applicant | 79 | $6,400,000 | $81,000 | $375,000 | $54,000 | $191,000 |
| Application Denied By Financial Institution | 78 | $3,764,000 | $48,000 | $200,000 | $40,000 | $150,000 |
| Application Approved But Not Accepted | 23 | $2,272,000 | $98,000 | $352,000 | $65,000 | $212,000 |
| 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 | 58 | $2,426,000 | $41,000 | $200,000 | $40,000 | $150,000 |
| Debt-To-Income Ratio | 17 | $1,133,000 | $66,000 | $174,000 | $37,000 | $81,000 |
| Employment History | 1 | $56,000 | $56,000 | $56,000 | $49,000 | $49,000 |
| Collateral | 1 | $74,000 | $74,000 | $74,000 | $51,000 | $51,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $65,000 | $65,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2011 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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