Cb&S Bank Mortgage Lending & HMDA Data, 2012
In 2012, Cb&S Bank of Russellville, AL reported 691 mortgage applications totaling $46.7 million, up 25% from 2011. The average application was for $67,596, and applicants reported an average income of $63,151. 70% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Decatur, AL (60), Florence-Muscle Shoals, AL (50) 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 | 691 |
| Total Mortgage Loan Application Amount | $46,709,000 |
| Average Mortgage Loan Application Amount | $67,596 |
| Highest Mortgage Loan Application Amount | $1,338,000 |
| Average Applicant Income | $63,151 |
| Highest Applicant Income | $1,935,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 159 | $ 9,300,000 | $ 58,490 | $ 46,000 |
| Hardeman, Tennessee | 68 | $ 1,905,000 | $ 28,014 | $ 41,000 |
| Marshall, Tennessee | 43 | $ 1,846,000 | $ 42,930 | $ 42,000 |
| Lawrence, Alabama | 39 | $ 2,337,000 | $ 59,923 | $ 94,000 |
| Colbert, Alabama | 37 | $ 3,517,000 | $ 95,054 | $ 130,000 |
| Alcorn, Mississippi | 34 | $ 3,019,000 | $ 88,794 | $ 70,000 |
| Coahoma, Mississippi | 28 | $ 3,710,000 | $ 132,500 | $ 74,000 |
| Madison, Alabama | 26 | $ 2,611,000 | $ 100,423 | $ 81,000 |
| Tippah, Mississippi | 25 | $ 1,006,000 | $ 40,240 | $ 49,000 |
| Giles, Tennessee | 25 | $ 1,466,000 | $ 58,640 | $ 55,000 |
| Lincoln, Tennessee | 23 | $ 1,903,000 | $ 82,739 | $ 48,000 |
| Morgan, Alabama | 21 | $ 2,035,000 | $ 96,904 | $ 97,000 |
| Leflore, Mississippi | 19 | $ 935,000 | $ 49,210 | $ 73,000 |
| Washington, Mississippi | 17 | $ 506,000 | $ 29,764 | $ 37,000 |
| Jefferson, Alabama | 13 | $ 1,254,000 | $ 96,461 | $ 96,000 |
| Lauderdale, Alabama | 13 | $ 1,093,000 | $ 84,076 | $ 38,000 |
| Marion, Alabama | 12 | $ 629,000 | $ 52,416 | $ 32,000 |
| Limestone, Alabama | 10 | $ 858,000 | $ 85,800 | $ 36,000 |
| Tishomingo, Mississippi | 10 | $ 498,000 | $ 49,800 | $ 36,000 |
| Maury, Tennessee | 6 | $ 512,000 | $ 85,333 | $ 46,000 |
| Itawamba, Mississippi | 5 | $ 222,000 | $ 44,400 | $ 32,000 |
| Webster, Mississippi | 4 | $ 463,000 | $ 115,750 | $ 40,000 |
| Bedford, Tennessee | 4 | $ 323,000 | $ 80,750 | $ 27,000 |
| Davidson, Tennessee | 4 | $ 1,096,000 | $ 274,000 | $ 171,000 |
| Madison, Tennessee | 4 | $ 307,000 | $ 76,750 | $ 191,000 |
| Carroll, Mississippi | 3 | $ 261,000 | $ 87,000 | $ 56,000 |
| Fayette, Tennessee | 3 | $ 222,000 | $ 74,000 | $ 42,000 |
| Rutherford, Tennessee | 3 | $ 171,000 | $ 57,000 | $ 94,000 |
| Winston, Alabama | 2 | $ 246,000 | $ 123,000 | $ 46,000 |
| Holmes, Mississippi | 2 | $ 142,000 | $ 71,000 | $ 122,000 |
| Prentiss, Mississippi | 2 | $ 78,000 | $ 39,000 | $ 62,000 |
| Chester, Tennessee | 2 | $ 35,000 | $ 17,500 | $ 30,000 |
| Shelby, Tennessee | 2 | $ 165,000 | $ 82,500 | $ 84,000 |
| Jackson, Alabama | 1 | $ 66,000 | $ 66,000 | $ 99,000 |
| Lee, Alabama | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Marshall, Alabama | 1 | $ 164,000 | $ 164,000 | $ 25,000 |
| Shelby, Alabama | 1 | $ 202,000 | $ 202,000 | $ 350,000 |
| Tuscaloosa, Alabama | 1 | $ 71,000 | $ 71,000 | $ 144,000 |
| Walker, Alabama | 1 | $ 60,000 | $ 60,000 | $ 405,000 |
| Los Angeles, California | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Broward, Florida | 1 | $ 156,000 | $ 156,000 | $ 67,000 |
| Santa Rosa, Florida | 1 | $ 200,000 | $ 200,000 | $ 140,000 |
| Walton, Florida | 1 | $ 34,000 | $ 34,000 | $ 938,000 |
| Bolivar, Mississippi | 1 | $ 146,000 | $ 146,000 | $ 68,000 |
| Choctaw, Mississippi | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| Clay, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| DeSoto, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 10,000 |
| Lafayette, Mississippi | 1 | $ 92,000 | $ 92,000 | $ 156,000 |
| Leake, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lowndes, Mississippi | 1 | $ 72,000 | $ 72,000 | $ 18,000 |
| Oktibbeha, Mississippi | 1 | $ 104,000 | $ 104,000 | $ 83,000 |
| Panola, Mississippi | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Cannon, Tennessee | 1 | $ 63,000 | $ 63,000 | $ 12,000 |
| Franklin, Tennessee | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 171,000 | $ 171,000 | $ 35,000 |
| Wayne, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2012
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 | 465 | $32,231,000 | $69,000 | $1,338,000 | $62,000 | $1,935,000 |
| Home Purchase | 180 | $13,589,000 | $75,000 | $750,000 | $70,000 | $852,000 |
| Home Improvement | 46 | $889,000 | $19,000 | $108,000 | $48,000 | $330,000 |
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 | 518 | $33,878,000 | $65,000 | $750,000 | $72,000 | $1,935,000 |
| Black or African American | 87 | $3,343,000 | $38,000 | $206,000 | $54,000 | $504,000 |
| Not applicable | 39 | $6,861,000 | $175,000 | $1,338,000 | $0 | $0 |
| Hispanic | 34 | $1,280,000 | $37,000 | $86,000 | $33,000 | $84,000 |
| Not Provided | 5 | $441,000 | $88,000 | $187,000 | $41,000 | $74,000 |
| Asian | 4 | $583,000 | $145,000 | $224,000 | $49,000 | $117,000 |
| American Indian or Alaskan Native | 3 | $167,000 | $55,000 | $100,000 | $21,000 | $29,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $156,000 | $156,000 | $156,000 | $67,000 | $67,000 |
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) | 680 | $45,764,000 | $67,000 | $1,338,000 | $63,000 | $1,935,000 |
| FHA-insured (Federal Housing Administration) | 7 | $593,000 | $84,000 | $142,000 | $53,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $182,000 | $60,000 | $85,000 | $30,000 | $40,000 |
| VA-guaranteed (Veterans Administration) | 1 | $170,000 | $170,000 | $170,000 | $72,000 | $72,000 |
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 | 484 | $32,579,000 | $67,000 | $1,338,000 | $71,000 | $1,935,000 |
| Application Denied By Financial Institution | 115 | $7,905,000 | $68,000 | $431,000 | $35,000 | $129,000 |
| Application Withdrawn By Applicant | 79 | $5,480,000 | $69,000 | $260,000 | $59,000 | $251,000 |
| Application Approved But Not Accepted | 13 | $745,000 | $57,000 | $125,000 | $69,000 | $210,000 |
| 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 | 73 | $3,888,000 | $53,000 | $254,000 | $33,000 | $107,000 |
| Debt-To-Income Ratio | 26 | $2,201,000 | $84,000 | $431,000 | $32,000 | $73,000 |
| Collateral | 10 | $936,000 | $93,000 | $148,000 | $51,000 | $129,000 |
| Other | 3 | $334,000 | $111,000 | $156,000 | $32,000 | $67,000 |
| Unverifiable Information | 2 | $340,000 | $170,000 | $224,000 | $41,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $206,000 | $206,000 | $206,000 | $51,000 | $51,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2012 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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