Cb&S Bank Mortgage Lending & HMDA Data, 2013
In 2013, Cb&S Bank of Russellville, AL reported 657 mortgage applications totaling $58.0 million, down 5% from 2012. The average application was for $88,330, and applicants reported an average income of $71,106. 71% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Decatur, AL (78), Florence-Muscle Shoals, AL (51) and Huntsville, AL (44) (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 | 657 |
| Total Mortgage Loan Application Amount | $58,033,000 |
| Average Mortgage Loan Application Amount | $88,330 |
| Highest Mortgage Loan Application Amount | $2,857,000 |
| Average Applicant Income | $71,106 |
| Highest Applicant Income | $3,338,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 127 | $ 7,645,000 | $ 60,196 | $ 44,000 |
| Marshall, Tennessee | 65 | $ 4,596,000 | $ 70,707 | $ 46,000 |
| Morgan, Alabama | 43 | $ 4,099,000 | $ 95,325 | $ 118,000 |
| Colbert, Alabama | 35 | $ 3,667,000 | $ 104,771 | $ 67,000 |
| Lawrence, Alabama | 35 | $ 2,075,000 | $ 59,285 | $ 72,000 |
| Madison, Alabama | 34 | $ 4,112,000 | $ 120,941 | $ 64,000 |
| Hardeman, Tennessee | 32 | $ 1,106,000 | $ 34,562 | $ 45,000 |
| Giles, Tennessee | 29 | $ 1,313,000 | $ 45,275 | $ 58,000 |
| Lincoln, Tennessee | 22 | $ 2,452,000 | $ 111,454 | $ 38,000 |
| Tippah, Mississippi | 17 | $ 899,000 | $ 52,882 | $ 59,000 |
| Lauderdale, Alabama | 16 | $ 2,207,000 | $ 137,937 | $ 87,000 |
| Leflore, Mississippi | 16 | $ 944,000 | $ 59,000 | $ 105,000 |
| Alcorn, Mississippi | 15 | $ 781,000 | $ 52,066 | $ 90,000 |
| Coahoma, Mississippi | 15 | $ 877,000 | $ 58,466 | $ 51,000 |
| Rutherford, Tennessee | 13 | $ 6,466,000 | $ 497,384 | $ 185,000 |
| Jefferson, Alabama | 12 | $ 698,000 | $ 58,166 | $ 36,000 |
| Itawamba, Mississippi | 11 | $ 371,000 | $ 33,727 | $ 35,000 |
| Tishomingo, Mississippi | 11 | $ 687,000 | $ 62,454 | $ 32,000 |
| Hardin, Tennessee | 11 | $ 1,235,000 | $ 112,272 | $ 46,000 |
| Limestone, Alabama | 10 | $ 1,430,000 | $ 143,000 | $ 414,000 |
| Washington, Mississippi | 9 | $ 232,000 | $ 25,777 | $ 121,000 |
| Marion, Alabama | 8 | $ 378,000 | $ 47,250 | $ 38,000 |
| Davidson, Tennessee | 6 | $ 1,954,000 | $ 325,666 | $ 75,000 |
| Madison, Tennessee | 5 | $ 471,000 | $ 94,200 | $ 63,000 |
| Shelby, Alabama | 4 | $ 489,000 | $ 122,250 | $ 41,000 |
| Prentiss, Mississippi | 4 | $ 388,000 | $ 97,000 | $ 30,000 |
| McNairy, Tennessee | 4 | $ 298,000 | $ 74,500 | $ 73,000 |
| Carroll, Mississippi | 3 | $ 112,000 | $ 37,333 | $ 43,000 |
| Lowndes, Mississippi | 3 | $ 353,000 | $ 117,666 | $ 87,000 |
| Decatur, Tennessee | 3 | $ 167,000 | $ 55,666 | $ 56,000 |
| Williamson, Tennessee | 3 | $ 2,378,000 | $ 792,666 | $ 436,000 |
| Jackson, Alabama | 2 | $ 174,000 | $ 87,000 | $ 69,000 |
| Lee, Alabama | 2 | $ 313,000 | $ 156,500 | $ 271,000 |
| Marshall, Alabama | 2 | $ 66,000 | $ 33,000 | $ 37,000 |
| Forrest, Mississippi | 2 | $ 265,000 | $ 132,500 | $ 41,000 |
| Lee, Mississippi | 2 | $ 231,000 | $ 115,500 | $ 129,000 |
| Oktibbeha, Mississippi | 2 | $ 274,000 | $ 137,000 | $ 36,000 |
| Tunica, Mississippi | 2 | $ 229,000 | $ 114,500 | $ 100,000 |
| Lawrence, Tennessee | 2 | $ 62,000 | $ 31,000 | $ 43,000 |
| Maury, Tennessee | 2 | $ 55,000 | $ 27,500 | $ 63,000 |
| Calhoun, Alabama | 1 | $ 52,000 | $ 52,000 | $ 116,000 |
| St. Clair, Alabama | 1 | $ 142,000 | $ 142,000 | $ 102,000 |
| Talladega, Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Walker, Alabama | 1 | $ 96,000 | $ 96,000 | $ 112,000 |
| Bay, Florida | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Bolivar, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| DeSoto, Mississippi | 1 | $ 235,000 | $ 235,000 | $ 168,000 |
| Lafayette, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 502,000 |
| Panola, Mississippi | 1 | $ 14,000 | $ 14,000 | $ 39,000 |
| Rankin, Mississippi | 1 | $ 128,000 | $ 128,000 | $ 46,000 |
| Sharkey, Mississippi | 1 | $ 56,000 | $ 56,000 | $ 40,000 |
| Sunflower, Mississippi | 1 | $ 51,000 | $ 51,000 | $ 54,000 |
| Franklin, Tennessee | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Henderson, Tennessee | 1 | $ 11,000 | $ 11,000 | $ 99,000 |
| Lewis, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 78,000 |
| Sumner, Tennessee | 1 | $ 83,000 | $ 83,000 | $ 27,000 |
| Wayne, Tennessee | 1 | $ 8,000 | $ 8,000 | $ 19,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2013
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 | 387 | $35,947,000 | $92,000 | $2,857,000 | $79,000 | $3,338,000 |
| Home Purchase | 196 | $17,201,000 | $87,000 | $1,613,000 | $65,000 | $1,270,000 |
| Home Improvement | 74 | $4,885,000 | $66,000 | $704,000 | $46,000 | $170,000 |
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 | 484 | $42,872,000 | $88,000 | $2,857,000 | $85,000 | $3,338,000 |
| Black or African American | 73 | $3,300,000 | $45,000 | $342,000 | $50,000 | $178,000 |
| Not applicable | 54 | $9,378,000 | $173,000 | $868,000 | $0 | $0 |
| Hispanic | 31 | $1,444,000 | $46,000 | $180,000 | $41,000 | $94,000 |
| Not Provided | 10 | $421,000 | $42,000 | $150,000 | $55,000 | $106,000 |
| Asian | 5 | $618,000 | $123,000 | $240,000 | $55,000 | $139,000 |
| 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) | 648 | $57,315,000 | $88,000 | $2,857,000 | $72,000 | $3,338,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $473,000 | $78,000 | $112,000 | $38,000 | $63,000 |
| FHA-insured (Federal Housing Administration) | 3 | $245,000 | $81,000 | $108,000 | $70,000 | $103,000 |
| 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 | 468 | $42,039,000 | $89,000 | $2,857,000 | $77,000 | $3,338,000 |
| Application Denied By Financial Institution | 92 | $5,447,000 | $59,000 | $257,000 | $39,000 | $168,000 |
| Application Withdrawn By Applicant | 81 | $8,846,000 | $109,000 | $1,613,000 | $78,000 | $1,270,000 |
| Application Approved But Not Accepted | 16 | $1,701,000 | $106,000 | $528,000 | $61,000 | $246,000 |
| 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 | 64 | $3,228,000 | $50,000 | $235,000 | $34,000 | $168,000 |
| Debt-To-Income Ratio | 16 | $1,214,000 | $75,000 | $197,000 | $36,000 | $91,000 |
| Collateral | 5 | $626,000 | $125,000 | $257,000 | $88,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $206,000 | $51,000 | $77,000 | $55,000 | $81,000 |
| Employment History | 2 | $121,000 | $60,000 | $65,000 | $29,000 | $36,000 |
| Unverifiable Information | 1 | $52,000 | $52,000 | $52,000 | $101,000 | $101,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2013 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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