Cb&S Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Cb&S Bank, Inc. 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Cb&S Bank, Inc. 200 Jackson Ave. S. Russellville, AL 35653 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 843 |
| Total Mortgage Loan Application Amount | $75,817,000 |
| Average Mortgage Loan Application Amount | $78,333 |
| Highest Mortgage Loan Application Amount | $5,773,000 |
| Average Applicant Income | $63,333 |
| Highest Applicant Income | $2,207,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Cb&S Bank, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Cb&S Bank, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Cb&S Bank, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Cb&S Bank, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Cb&S Bank, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Cb&S Bank, Inc.'s mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Alabama | 151 | $ 7,891,000 | $ 52,000 | $ 50,000 |
| McNairy County Tennessee | 62 | $ 2,963,000 | $ 47,000 | $ 45,000 |
| Madison County Alabama | 60 | $ 13,042,000 | $ 217,000 | $ 69,000 |
| Decatur County Tennessee | 39 | $ 1,762,000 | $ 45,000 | $ 62,000 |
| Colbert County Alabama | 36 | $ 4,348,000 | $ 120,000 | $ 188,000 |
| Lincoln County Tennessee | 31 | $ 1,952,000 | $ 62,000 | $ 58,000 |
| Lawrence County Alabama | 29 | $ 1,220,000 | $ 42,000 | $ 42,000 |
| Hardeman County Tennessee | 29 | $ 931,000 | $ 32,000 | $ 40,000 |
| Hardin County Tennessee | 29 | $ 2,226,000 | $ 76,000 | $ 64,000 |
| Morgan County Alabama | 27 | $ 4,175,000 | $ 154,000 | $ 91,000 |
| Lauderdale County Alabama | 26 | $ 1,076,000 | $ 41,000 | $ 43,000 |
| Leflore County Mississippi | 21 | $ 847,000 | $ 40,000 | $ 43,000 |
| Marshall County Tennessee | 21 | $ 1,230,000 | $ 58,000 | $ 69,000 |
| Washington County Mississippi | 20 | $ 452,000 | $ 22,000 | $ 38,000 |
| Jefferson County Alabama | 19 | $ 1,975,000 | $ 103,000 | $ 41,000 |
| Alcorn County Mississippi | 16 | $ 1,734,000 | $ 108,000 | $ 90,000 |
| Henderson County Tennessee | 16 | $ 1,259,000 | $ 78,000 | $ 53,000 |
| Limestone County Alabama | 15 | $ 2,250,000 | $ 150,000 | $ 76,000 |
| Giles County Tennessee | 15 | $ 775,000 | $ 51,000 | $ 58,000 |
| Lewis County Tennessee | 15 | $ 565,000 | $ 37,000 | $ 42,000 |
| Coahoma County Mississippi | 14 | $ 1,270,000 | $ 90,000 | $ 49,000 |
| Tippah County Mississippi | 13 | $ 669,000 | $ 51,000 | $ 60,000 |
| Tishomingo County Mississippi | 13 | $ 744,000 | $ 57,000 | $ 35,000 |
| Lee County Mississippi | 12 | $ 1,944,000 | $ 162,000 | $ 107,000 |
| Rutherford County Tennessee | 12 | $ 7,203,000 | $ 600,000 | $ 112,000 |
| Chester County Tennessee | 10 | $ 845,000 | $ 84,000 | $ 69,000 |
| Marion County Alabama | 8 | $ 341,000 | $ 42,000 | $ 40,000 |
| Itawamba County Mississippi | 8 | $ 341,000 | $ 42,000 | $ 34,000 |
| Davidson County Tennessee | 5 | $ 2,504,000 | $ 500,000 | $ 6,000 |
| Baldwin County Alabama | 4 | $ 1,052,000 | $ 263,000 | $ 644,000 |
| Shelby County Alabama | 4 | $ 536,000 | $ 134,000 | $ 66,000 |
| Choctaw County Mississippi | 4 | $ 223,000 | $ 55,000 | $ 65,000 |
| Webster County Mississippi | 4 | $ 385,000 | $ 96,000 | $ 58,000 |
| Lee County Alabama | 3 | $ 300,000 | $ 100,000 | $ 82,000 |
| Marshall County Alabama | 3 | $ 120,000 | $ 40,000 | $ 30,000 |
| Winston County Alabama | 3 | $ 175,000 | $ 58,000 | $ 48,000 |
| DeSoto County Mississippi | 3 | $ 656,000 | $ 218,000 | $ 154,000 |
| Oktibbeha County Mississippi | 3 | $ 195,000 | $ 65,000 | $ 92,000 |
| Prentiss County Mississippi | 3 | $ 161,000 | $ 53,000 | $ 43,000 |
| Madison County Tennessee | 3 | $ 376,000 | $ 125,000 | $ 79,000 |
| Maury County Tennessee | 3 | $ 422,000 | $ 140,000 | $ 62,000 |
| Bolivar County Mississippi | 2 | $ 131,000 | $ 65,000 | $ 49,000 |
| Pontotoc County Mississippi | 2 | $ 70,000 | $ 35,000 | $ 46,000 |
| Lawrence County Tennessee | 2 | $ 104,000 | $ 52,000 | $ 33,000 |
| Perry County Tennessee | 2 | $ 52,000 | $ 26,000 | $ 17,000 |
| Shelby County Tennessee | 2 | $ 536,000 | $ 268,000 | $ 473,000 |
| Etowah County Alabama | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Jackson County Alabama | 1 | $ 67,000 | $ 67,000 | $ 51,000 |
| Randolph County Alabama | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Tuscaloosa County Alabama | 1 | $ 47,000 | $ 47,000 | $ 37,000 |
| Lake County Florida | 1 | $ 150,000 | $ 150,000 | $ 658,000 |
| Carroll County Mississippi | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Chickasaw County Mississippi | 1 | $ 34,000 | $ 34,000 | $ 35,000 |
| Holmes County Mississippi | 1 | $ 9,000 | $ 9,000 | $ 15,000 |
| Jackson County Mississippi | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Lafayette County Mississippi | 1 | $ 47,000 | $ 47,000 | $ 73,000 |
| Leake County Mississippi | 1 | $ 59,000 | $ 59,000 | $ 62,000 |
| Madison County Mississippi | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Monroe County Mississippi | 1 | $ 2,000 | $ 2,000 | $ 70,000 |
| Union County Mississippi | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
| Bedford County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 85,000 |
| Benton County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 21,000 |
| Haywood County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Hickman County Tennessee | 1 | $ 53,000 | $ 53,000 | $ 30,000 |
| Knox County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 437,000 |
| Overton County Tennessee | 1 | $ 488,000 | $ 488,000 | $ 204,000 |
| Wayne County Tennessee | 1 | $ 34,000 | $ 34,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank, Inc. in 2015
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 | $43,269,000 | $111,000 | $5,773,000 | $67,000 | $2,150,000 |
| Home Purchase | 310 | $27,135,000 | $87,000 | $588,000 | $76,000 | $2,207,000 |
| Home Improvement | 146 | $5,413,000 | $37,000 | $400,000 | $47,000 | $553,000 |
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 | 598 | $47,821,000 | $79,000 | $2,778,000 | $79,000 | $2,207,000 |
| Black or African American | 80 | $3,145,000 | $39,000 | $333,000 | $48,000 | $210,000 |
| Not applicable | 66 | $16,322,000 | $247,000 | $5,773,000 | $0 | $0 |
| Hispanic | 56 | $2,665,000 | $47,000 | $300,000 | $41,000 | $131,000 |
| Not Provided | 34 | $5,094,000 | $149,000 | $2,778,000 | $78,000 | $437,000 |
| Asian | 5 | $537,000 | $107,000 | $181,000 | $77,000 | $136,000 |
| American Indian or Alaskan Native | 4 | $233,000 | $58,000 | $80,000 | $44,000 | $108,000 |
| 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) | 829 | $73,796,000 | $89,000 | $5,773,000 | $67,000 | $2,207,000 |
| FHA-insured (Federal Housing Administration) | 6 | $779,000 | $129,000 | $191,000 | $61,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $341,000 | $68,000 | $108,000 | $33,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 3 | $901,000 | $300,000 | $488,000 | $149,000 | $204,000 |
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 | 578 | $56,769,000 | $98,000 | $5,773,000 | $70,000 | $2,150,000 |
| Application Denied By Financial Institution | 146 | $8,537,000 | $58,000 | $505,000 | $39,000 | $221,000 |
| Application Withdrawn By Applicant | 62 | $6,068,000 | $97,000 | $488,000 | $99,000 | $2,207,000 |
| Application Approved But Not Accepted | 56 | $4,395,000 | $78,000 | $276,000 | $73,000 | $437,000 |
| File Closed For Incompleteness | 1 | $48,000 | $48,000 | $48,000 | $30,000 | $30,000 |
| 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 | 87 | $4,296,000 | $49,000 | $310,000 | $36,000 | $101,000 |
| Debt-To-Income Ratio | 34 | $2,733,000 | $80,000 | $505,000 | $45,000 | $168,000 |
| Collateral | 21 | $1,343,000 | $63,000 | $294,000 | $43,000 | $221,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $32,000 | $16,000 | $24,000 | $36,000 | $41,000 |
| Other | 1 | $93,000 | $93,000 | $93,000 | $58,000 | $58,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $22,000 | $22,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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, Inc.'s 2015 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, Inc.'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.