Cb&S Bank Mortgage Lending & HMDA Data, 2016
In 2016, Cb&S Bank of Russellville, AL reported 920 mortgage applications totaling $78.4 million, up 9% from 2015. The average application was for $85,243, and applicants reported an average income of $65,765. 68% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Decatur, AL (72), Huntsville, AL (66) and Florence-Muscle Shoals, AL (52) (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 | 920 |
| Total Mortgage Loan Application Amount | $78,424,000 |
| Average Mortgage Loan Application Amount | $85,243 |
| Highest Mortgage Loan Application Amount | $3,800,000 |
| Average Applicant Income | $65,765 |
| Highest Applicant Income | $2,449,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 9,287,000 | $ 58,408 | $ 53,000 |
| McNairy, Tennessee | 70 | $ 2,607,000 | $ 37,242 | $ 46,000 |
| Madison, Alabama | 53 | $ 5,962,000 | $ 112,490 | $ 88,000 |
| Decatur, Tennessee | 49 | $ 2,310,000 | $ 47,142 | $ 56,000 |
| Lawrence, Alabama | 40 | $ 2,181,000 | $ 54,525 | $ 66,000 |
| Colbert, Alabama | 32 | $ 4,476,000 | $ 139,875 | $ 111,000 |
| Morgan, Alabama | 32 | $ 3,131,000 | $ 97,843 | $ 66,000 |
| Marshall, Tennessee | 31 | $ 2,206,000 | $ 71,161 | $ 63,000 |
| Hardeman, Tennessee | 30 | $ 1,003,000 | $ 33,433 | $ 61,000 |
| Hardin, Tennessee | 30 | $ 2,296,000 | $ 76,533 | $ 78,000 |
| Tippah, Mississippi | 28 | $ 1,083,000 | $ 38,678 | $ 56,000 |
| Alcorn, Mississippi | 27 | $ 2,573,000 | $ 95,296 | $ 66,000 |
| Coahoma, Mississippi | 23 | $ 2,673,000 | $ 116,217 | $ 200,000 |
| Lincoln, Tennessee | 21 | $ 1,845,000 | $ 87,857 | $ 51,000 |
| Jefferson, Alabama | 20 | $ 1,003,000 | $ 50,150 | $ 36,000 |
| Lauderdale, Alabama | 20 | $ 1,214,000 | $ 60,700 | $ 44,000 |
| Henderson, Tennessee | 18 | $ 1,183,000 | $ 65,722 | $ 51,000 |
| Leflore, Mississippi | 17 | $ 513,000 | $ 30,176 | $ 37,000 |
| Lee, Mississippi | 16 | $ 1,845,000 | $ 115,312 | $ 109,000 |
| Washington, Mississippi | 16 | $ 367,000 | $ 22,937 | $ 53,000 |
| Lewis, Tennessee | 16 | $ 781,000 | $ 48,812 | $ 38,000 |
| Limestone, Alabama | 13 | $ 3,292,000 | $ 253,230 | $ 92,000 |
| Itawamba, Mississippi | 13 | $ 634,000 | $ 48,769 | $ 31,000 |
| Rutherford, Tennessee | 13 | $ 2,029,000 | $ 156,076 | $ 80,000 |
| Giles, Tennessee | 12 | $ 366,000 | $ 30,500 | $ 38,000 |
| Marion, Alabama | 11 | $ 445,000 | $ 40,454 | $ 34,000 |
| Tishomingo, Mississippi | 11 | $ 1,104,000 | $ 100,363 | $ 108,000 |
| Davidson, Tennessee | 8 | $ 2,273,000 | $ 284,125 | $ 3,000 |
| Williamson, Tennessee | 6 | $ 3,616,000 | $ 602,666 | $ 128,000 |
| Madison, Tennessee | 5 | $ 506,000 | $ 101,200 | $ 41,000 |
| Maury, Tennessee | 5 | $ 4,008,000 | $ 801,600 | $ 54,000 |
| Oktibbeha, Mississippi | 4 | $ 98,000 | $ 24,500 | $ 26,000 |
| Chester, Tennessee | 4 | $ 201,000 | $ 50,250 | $ 57,000 |
| Cullman, Alabama | 3 | $ 905,000 | $ 301,666 | $ 76,000 |
| Shelby, Alabama | 3 | $ 625,000 | $ 208,333 | $ 101,000 |
| Winston, Alabama | 3 | $ 193,000 | $ 64,333 | $ 74,000 |
| Walton, Florida | 3 | $ 2,680,000 | $ 893,333 | $ 0 |
| Carroll, Mississippi | 3 | $ 62,000 | $ 20,666 | $ 37,000 |
| Pontotoc, Mississippi | 3 | $ 181,000 | $ 60,333 | $ 83,000 |
| Prentiss, Mississippi | 3 | $ 79,000 | $ 26,333 | $ 25,000 |
| Webster, Mississippi | 3 | $ 318,000 | $ 106,000 | $ 129,000 |
| Perry, Tennessee | 3 | $ 143,000 | $ 47,666 | $ 63,000 |
| Baldwin, Alabama | 2 | $ 264,000 | $ 132,000 | $ 116,000 |
| Jackson, Alabama | 2 | $ 116,000 | $ 58,000 | $ 149,000 |
| Choctaw, Mississippi | 2 | $ 35,000 | $ 17,500 | $ 24,000 |
| Holmes, Mississippi | 2 | $ 30,000 | $ 15,000 | $ 20,000 |
| Lafayette, Mississippi | 2 | $ 289,000 | $ 144,500 | $ 228,000 |
| Marshall, Mississippi | 2 | $ 193,000 | $ 96,500 | $ 35,000 |
| Monroe, Mississippi | 2 | $ 76,000 | $ 38,000 | $ 31,000 |
| Knox, Tennessee | 2 | $ 130,000 | $ 65,000 | $ 48,000 |
| Lawrence, Tennessee | 2 | $ 202,000 | $ 101,000 | $ 23,000 |
| Lamar, Alabama | 1 | $ 35,000 | $ 35,000 | $ 89,000 |
| Marshall, Alabama | 1 | $ 3,000 | $ 3,000 | $ 61,000 |
| Tuscaloosa, Alabama | 1 | $ 232,000 | $ 232,000 | $ 465,000 |
| Haralson, Georgia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Richmond, Georgia | 1 | $ 84,000 | $ 84,000 | $ 52,000 |
| DeSoto, Mississippi | 1 | $ 46,000 | $ 46,000 | $ 82,000 |
| Harrison, Mississippi | 1 | $ 37,000 | $ 37,000 | $ 72,000 |
| Rankin, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Tate, Mississippi | 1 | $ 92,000 | $ 92,000 | $ 44,000 |
| Warren, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Bedford, Tennessee | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Benton, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Cheatham, Tennessee | 1 | $ 272,000 | $ 272,000 | $ 60,000 |
| Hickman, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Humphreys, Tennessee | 1 | $ 39,000 | $ 39,000 | $ 15,000 |
| Moore, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Sevier, Tennessee | 1 | $ 701,000 | $ 701,000 | $ 50,000 |
| Warren, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Wayne, Tennessee | 1 | $ 47,000 | $ 47,000 | $ 21,000 |
| Bexar, Texas | 1 | $ 5,000 | $ 5,000 | $ 32,000 |
| Waukesha, Wisconsin | 1 | $ 441,000 | $ 441,000 | $ 836,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2016
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 | 412 | $35,477,000 | $86,000 | $1,505,000 | $66,000 | $845,000 |
| Home Purchase | 337 | $36,308,000 | $107,000 | $3,800,000 | $75,000 | $2,449,000 |
| Home Improvement | 171 | $6,639,000 | $38,000 | $344,000 | $47,000 | $188,000 |
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 | 659 | $50,642,000 | $76,000 | $1,505,000 | $76,000 | $2,449,000 |
| Black or African American | 90 | $3,363,000 | $37,000 | $223,000 | $51,000 | $183,000 |
| Hispanic | 67 | $3,396,000 | $50,000 | $120,000 | $48,000 | $225,000 |
| Not applicable | 61 | $14,923,000 | $244,000 | $3,800,000 | $0 | $0 |
| Not Provided | 31 | $5,084,000 | $164,000 | $1,488,000 | $60,000 | $380,000 |
| Asian | 8 | $764,000 | $95,000 | $163,000 | $50,000 | $164,000 |
| American Indian or Alaskan Native | 4 | $252,000 | $63,000 | $125,000 | $69,000 | $94,000 |
| Native Hawaiin 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) | 908 | $76,644,000 | $84,000 | $3,800,000 | $66,000 | $2,449,000 |
| FHA-insured (Federal Housing Administration) | 7 | $989,000 | $141,000 | $224,000 | $65,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $791,000 | $158,000 | $375,000 | $40,000 | $88,000 |
| 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 | 627 | $54,772,000 | $87,000 | $3,800,000 | $66,000 | $845,000 |
| Application Denied By Financial Institution | 152 | $9,837,000 | $64,000 | $406,000 | $48,000 | $1,021,000 |
| Application Approved But Not Accepted | 104 | $8,636,000 | $83,000 | $1,505,000 | $85,000 | $2,449,000 |
| Application Withdrawn By Applicant | 35 | $5,071,000 | $144,000 | $417,000 | $73,000 | $415,000 |
| File Closed For Incompleteness | 2 | $108,000 | $54,000 | $55,000 | $29,000 | $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 | 90 | $4,849,000 | $53,000 | $406,000 | $39,000 | $139,000 |
| Debt-To-Income Ratio | 42 | $3,285,000 | $78,000 | $326,000 | $67,000 | $1,021,000 |
| Collateral | 12 | $1,081,000 | $90,000 | $375,000 | $54,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $117,000 | $29,000 | $40,000 | $48,000 | $90,000 |
| Unverifiable Information | 2 | $336,000 | $168,000 | $224,000 | $54,000 | $91,000 |
| Other | 1 | $89,000 | $89,000 | $89,000 | $89,000 | $89,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $25,000 | $25,000 |
| 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 2016 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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