Cb&S Bank Mortgage Lending & HMDA Data, 2015
In 2015, Cb&S Bank of Russellville, AL reported 843 mortgage applications totaling $75.8 million, down 6% from 2014. The average application was for $89,937, and applicants reported an average income of $66,845. 69% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Huntsville, AL (75), Florence-Muscle Shoals, AL (62) and Decatur, AL (56) (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 | 843 |
| Total Mortgage Loan Application Amount | $75,817,000 |
| Average Mortgage Loan Application Amount | $89,937 |
| Highest Mortgage Loan Application Amount | $5,773,000 |
| Average Applicant Income | $66,845 |
| Highest Applicant Income | $2,207,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 151 | $ 7,891,000 | $ 52,258 | $ 50,000 |
| McNairy, Tennessee | 62 | $ 2,963,000 | $ 47,790 | $ 45,000 |
| Madison, Alabama | 60 | $ 13,042,000 | $ 217,366 | $ 69,000 |
| Decatur, Tennessee | 39 | $ 1,762,000 | $ 45,179 | $ 62,000 |
| Colbert, Alabama | 36 | $ 4,348,000 | $ 120,777 | $ 188,000 |
| Lincoln, Tennessee | 31 | $ 1,952,000 | $ 62,967 | $ 58,000 |
| Lawrence, Alabama | 29 | $ 1,220,000 | $ 42,068 | $ 42,000 |
| Hardeman, Tennessee | 29 | $ 931,000 | $ 32,103 | $ 40,000 |
| Hardin, Tennessee | 29 | $ 2,226,000 | $ 76,758 | $ 64,000 |
| Morgan, Alabama | 27 | $ 4,175,000 | $ 154,629 | $ 91,000 |
| Lauderdale, Alabama | 26 | $ 1,076,000 | $ 41,384 | $ 43,000 |
| Leflore, Mississippi | 21 | $ 847,000 | $ 40,333 | $ 43,000 |
| Marshall, Tennessee | 21 | $ 1,230,000 | $ 58,571 | $ 69,000 |
| Washington, Mississippi | 20 | $ 452,000 | $ 22,600 | $ 38,000 |
| Jefferson, Alabama | 19 | $ 1,975,000 | $ 103,947 | $ 41,000 |
| Alcorn, Mississippi | 16 | $ 1,734,000 | $ 108,375 | $ 90,000 |
| Henderson, Tennessee | 16 | $ 1,259,000 | $ 78,687 | $ 53,000 |
| Limestone, Alabama | 15 | $ 2,250,000 | $ 150,000 | $ 76,000 |
| Giles, Tennessee | 15 | $ 775,000 | $ 51,666 | $ 58,000 |
| Lewis, Tennessee | 15 | $ 565,000 | $ 37,666 | $ 42,000 |
| Coahoma, Mississippi | 14 | $ 1,270,000 | $ 90,714 | $ 49,000 |
| Tippah, Mississippi | 13 | $ 669,000 | $ 51,461 | $ 60,000 |
| Tishomingo, Mississippi | 13 | $ 744,000 | $ 57,230 | $ 35,000 |
| Lee, Mississippi | 12 | $ 1,944,000 | $ 162,000 | $ 107,000 |
| Rutherford, Tennessee | 12 | $ 7,203,000 | $ 600,250 | $ 112,000 |
| Chester, Tennessee | 10 | $ 845,000 | $ 84,500 | $ 69,000 |
| Marion, Alabama | 8 | $ 341,000 | $ 42,625 | $ 40,000 |
| Itawamba, Mississippi | 8 | $ 341,000 | $ 42,625 | $ 34,000 |
| Davidson, Tennessee | 5 | $ 2,504,000 | $ 500,800 | $ 6,000 |
| Baldwin, Alabama | 4 | $ 1,052,000 | $ 263,000 | $ 644,000 |
| Shelby, Alabama | 4 | $ 536,000 | $ 134,000 | $ 66,000 |
| Choctaw, Mississippi | 4 | $ 223,000 | $ 55,750 | $ 65,000 |
| Webster, Mississippi | 4 | $ 385,000 | $ 96,250 | $ 58,000 |
| Lee, Alabama | 3 | $ 300,000 | $ 100,000 | $ 82,000 |
| Marshall, Alabama | 3 | $ 120,000 | $ 40,000 | $ 30,000 |
| Winston, Alabama | 3 | $ 175,000 | $ 58,333 | $ 48,000 |
| DeSoto, Mississippi | 3 | $ 656,000 | $ 218,666 | $ 154,000 |
| Oktibbeha, Mississippi | 3 | $ 195,000 | $ 65,000 | $ 92,000 |
| Prentiss, Mississippi | 3 | $ 161,000 | $ 53,666 | $ 43,000 |
| Madison, Tennessee | 3 | $ 376,000 | $ 125,333 | $ 79,000 |
| Maury, Tennessee | 3 | $ 422,000 | $ 140,666 | $ 62,000 |
| Bolivar, Mississippi | 2 | $ 131,000 | $ 65,500 | $ 49,000 |
| Pontotoc, Mississippi | 2 | $ 70,000 | $ 35,000 | $ 46,000 |
| Lawrence, Tennessee | 2 | $ 104,000 | $ 52,000 | $ 33,000 |
| Perry, Tennessee | 2 | $ 52,000 | $ 26,000 | $ 17,000 |
| Shelby, Tennessee | 2 | $ 536,000 | $ 268,000 | $ 473,000 |
| Etowah, Alabama | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Jackson, Alabama | 1 | $ 67,000 | $ 67,000 | $ 51,000 |
| Randolph, Alabama | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Tuscaloosa, Alabama | 1 | $ 47,000 | $ 47,000 | $ 37,000 |
| Lake, Florida | 1 | $ 150,000 | $ 150,000 | $ 658,000 |
| Carroll, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Chickasaw, Mississippi | 1 | $ 34,000 | $ 34,000 | $ 35,000 |
| Holmes, Mississippi | 1 | $ 9,000 | $ 9,000 | $ 15,000 |
| Jackson, Mississippi | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Lafayette, Mississippi | 1 | $ 47,000 | $ 47,000 | $ 73,000 |
| Leake, Mississippi | 1 | $ 59,000 | $ 59,000 | $ 62,000 |
| Madison, Mississippi | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Monroe, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 70,000 |
| Union, Mississippi | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
| Bedford, Tennessee | 1 | $ 5,000 | $ 5,000 | $ 85,000 |
| Benton, Tennessee | 1 | $ 54,000 | $ 54,000 | $ 21,000 |
| Haywood, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Hickman, Tennessee | 1 | $ 53,000 | $ 53,000 | $ 30,000 |
| Knox, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 437,000 |
| Overton, Tennessee | 1 | $ 488,000 | $ 488,000 | $ 204,000 |
| Wayne, Tennessee | 1 | $ 34,000 | $ 34,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank 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'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'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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