Cb&S Bank Mortgage Lending & HMDA Data, 2014
In 2014, Cb&S Bank of Russellville, AL reported 896 mortgage applications totaling $75.0 million, up 36% from 2013. The average application was for $83,660, and applicants reported an average income of $69,342. 68% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Decatur, AL (67), Florence-Muscle Shoals, AL (64) and Huntsville, AL (50) (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 | 896 |
| Total Mortgage Loan Application Amount | $74,960,000 |
| Average Mortgage Loan Application Amount | $83,660 |
| Highest Mortgage Loan Application Amount | $2,792,000 |
| Average Applicant Income | $69,342 |
| Highest Applicant Income | $1,716,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 135 | $ 7,175,000 | $ 53,148 | $ 44,000 |
| McNairy, Tennessee | 77 | $ 3,278,000 | $ 42,571 | $ 41,000 |
| Decatur, Tennessee | 53 | $ 2,192,000 | $ 41,358 | $ 47,000 |
| Colbert, Alabama | 44 | $ 3,624,000 | $ 82,363 | $ 66,000 |
| Madison, Alabama | 44 | $ 9,310,000 | $ 211,590 | $ 128,000 |
| Hardin, Tennessee | 43 | $ 2,597,000 | $ 60,395 | $ 62,000 |
| Lawrence, Alabama | 39 | $ 2,183,000 | $ 55,974 | $ 52,000 |
| Lincoln, Tennessee | 36 | $ 2,311,000 | $ 64,194 | $ 53,000 |
| Marshall, Tennessee | 34 | $ 2,043,000 | $ 60,088 | $ 49,000 |
| Hardeman, Tennessee | 32 | $ 1,091,000 | $ 34,093 | $ 41,000 |
| Morgan, Alabama | 28 | $ 4,044,000 | $ 144,428 | $ 68,000 |
| Alcorn, Mississippi | 26 | $ 1,653,000 | $ 63,576 | $ 80,000 |
| Leflore, Mississippi | 25 | $ 1,872,000 | $ 74,880 | $ 66,000 |
| Lewis, Tennessee | 25 | $ 768,000 | $ 30,720 | $ 48,000 |
| Lauderdale, Alabama | 20 | $ 1,259,000 | $ 62,950 | $ 64,000 |
| Giles, Tennessee | 18 | $ 1,069,000 | $ 59,388 | $ 61,000 |
| Jefferson, Alabama | 14 | $ 1,604,000 | $ 114,571 | $ 52,000 |
| Coahoma, Mississippi | 14 | $ 818,000 | $ 58,428 | $ 62,000 |
| Tishomingo, Mississippi | 14 | $ 1,191,000 | $ 85,071 | $ 84,000 |
| Henderson, Tennessee | 14 | $ 883,000 | $ 63,071 | $ 67,000 |
| Itawamba, Mississippi | 12 | $ 925,000 | $ 77,083 | $ 80,000 |
| Marion, Alabama | 11 | $ 572,000 | $ 52,000 | $ 54,000 |
| Tippah, Mississippi | 11 | $ 656,000 | $ 59,636 | $ 93,000 |
| Washington, Mississippi | 11 | $ 542,000 | $ 49,272 | $ 95,000 |
| Rutherford, Tennessee | 10 | $ 4,052,000 | $ 405,200 | $ 238,000 |
| Maury, Tennessee | 7 | $ 760,000 | $ 108,571 | $ 71,000 |
| Limestone, Alabama | 6 | $ 587,000 | $ 97,833 | $ 69,000 |
| Oktibbeha, Mississippi | 6 | $ 1,085,000 | $ 180,833 | $ 17,000 |
| Fayette, Tennessee | 6 | $ 522,000 | $ 87,000 | $ 70,000 |
| Jackson, Alabama | 5 | $ 457,000 | $ 91,400 | $ 49,000 |
| Lee, Mississippi | 5 | $ 648,000 | $ 129,600 | $ 189,000 |
| Williamson, Tennessee | 5 | $ 2,725,000 | $ 545,000 | $ 399,000 |
| Winston, Alabama | 4 | $ 548,000 | $ 137,000 | $ 327,000 |
| Bedford, Tennessee | 4 | $ 453,000 | $ 113,250 | $ 151,000 |
| Chester, Tennessee | 4 | $ 189,000 | $ 47,250 | $ 59,000 |
| Perry, Tennessee | 4 | $ 164,000 | $ 41,000 | $ 48,000 |
| Shelby, Alabama | 3 | $ 430,000 | $ 143,333 | $ 90,000 |
| Webster, Mississippi | 3 | $ 243,000 | $ 81,000 | $ 78,000 |
| Madison, Tennessee | 3 | $ 151,000 | $ 50,333 | $ 37,000 |
| Cullman, Alabama | 2 | $ 1,022,000 | $ 511,000 | $ 115,000 |
| Marshall, Alabama | 2 | $ 368,000 | $ 184,000 | $ 64,000 |
| Tuscaloosa, Alabama | 2 | $ 157,000 | $ 78,500 | $ 92,000 |
| Bay, Florida | 2 | $ 250,000 | $ 125,000 | $ 164,000 |
| Carroll, Mississippi | 2 | $ 70,000 | $ 35,000 | $ 31,000 |
| Grenada, Mississippi | 2 | $ 489,000 | $ 244,500 | $ 237,000 |
| Montgomery, Mississippi | 2 | $ 155,000 | $ 77,500 | $ 28,000 |
| Benton, Tennessee | 2 | $ 99,000 | $ 49,500 | $ 65,000 |
| Davidson, Tennessee | 2 | $ 1,883,000 | $ 941,500 | $ 19,000 |
| Franklin, Tennessee | 2 | $ 495,000 | $ 247,500 | $ 84,000 |
| Humphreys, Tennessee | 2 | $ 128,000 | $ 64,000 | $ 70,000 |
| Wayne, Tennessee | 2 | $ 60,000 | $ 30,000 | $ 38,000 |
| Baldwin, Alabama | 1 | $ 668,000 | $ 668,000 | $ 244,000 |
| Talladega, Alabama | 1 | $ 496,000 | $ 496,000 | $ 654,000 |
| Broward, Florida | 1 | $ 32,000 | $ 32,000 | $ 30,000 |
| Escambia, Florida | 1 | $ 90,000 | $ 90,000 | $ 129,000 |
| Gwinnett, Georgia | 1 | $ 712,000 | $ 712,000 | $ 1,716,000 |
| Benton, Mississippi | 1 | $ 12,000 | $ 12,000 | $ 22,000 |
| Lafayette, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Madison, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 222,000 |
| Monroe, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Prentiss, Mississippi | 1 | $ 156,000 | $ 156,000 | $ 77,000 |
| Rankin, Mississippi | 1 | $ 170,000 | $ 170,000 | $ 46,000 |
| Cannon, Tennessee | 1 | $ 58,000 | $ 58,000 | $ 300,000 |
| Carroll, Tennessee | 1 | $ 27,000 | $ 27,000 | $ 68,000 |
| Gibson, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 93,000 |
| Hamilton, Tennessee | 1 | $ 48,000 | $ 48,000 | $ 83,000 |
| Haywood, Tennessee | 1 | $ 4,000 | $ 4,000 | $ 21,000 |
| Knox, Tennessee | 1 | $ 134,000 | $ 134,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2014
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 | 487 | $43,285,000 | $88,000 | $2,792,000 | $75,000 | $1,707,000 |
| Home Purchase | 297 | $29,244,000 | $98,000 | $1,670,000 | $70,000 | $1,716,000 |
| Home Improvement | 112 | $2,431,000 | $21,000 | $128,000 | $43,000 | $108,000 |
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 | 692 | $50,480,000 | $72,000 | $2,792,000 | $77,000 | $1,716,000 |
| Black or African American | 73 | $4,444,000 | $60,000 | $1,000,000 | $60,000 | $390,000 |
| Not applicable | 49 | $12,538,000 | $255,000 | $1,670,000 | $0 | $0 |
| Hispanic | 38 | $2,244,000 | $59,000 | $346,000 | $47,000 | $162,000 |
| Not Provided | 32 | $3,712,000 | $116,000 | $1,250,000 | $62,000 | $286,000 |
| Asian | 8 | $1,019,000 | $127,000 | $181,000 | $61,000 | $117,000 |
| American Indian or Alaskan Native | 3 | $283,000 | $94,000 | $140,000 | $73,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $240,000 | $240,000 | $240,000 | $85,000 | $85,000 |
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) | 880 | $73,359,000 | $83,000 | $2,792,000 | $70,000 | $1,716,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $801,000 | $80,000 | $136,000 | $35,000 | $60,000 |
| FHA-insured (Federal Housing Administration) | 6 | $800,000 | $133,000 | $224,000 | $51,000 | $125,000 |
| 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 | 611 | $53,436,000 | $87,000 | $2,792,000 | $76,000 | $1,707,000 |
| Application Denied By Financial Institution | 143 | $7,861,000 | $54,000 | $624,000 | $37,000 | $151,000 |
| Application Withdrawn By Applicant | 82 | $7,695,000 | $93,000 | $1,250,000 | $53,000 | $270,000 |
| Application Approved But Not Accepted | 60 | $5,968,000 | $99,000 | $1,000,000 | $96,000 | $1,716,000 |
| 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 | 112 | $5,632,000 | $50,000 | $624,000 | $36,000 | $151,000 |
| Debt-To-Income Ratio | 21 | $1,737,000 | $82,000 | $240,000 | $35,000 | $85,000 |
| Collateral | 3 | $180,000 | $60,000 | $79,000 | $58,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $79,000 | $39,000 | $63,000 | $35,000 | $53,000 |
| Other | 2 | $25,000 | $12,000 | $16,000 | $58,000 | $88,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $44,000 | $44,000 |
| Employment History | 1 | $127,000 | $127,000 | $127,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 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 2014 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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