Cb&S Bank Mortgage Lending & HMDA Data, 2017
In 2017, Cb&S Bank of Russellville, AL reported 1,165 mortgage applications totaling $140.7 million, up 27% from 2016. The average application was for $120,760, and applicants reported an average income of $77,163. 72% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Birmingham-Hoover, AL (138), Decatur, AL (90) and Florence-Muscle Shoals, AL (84) (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 | 1,165 |
| Total Mortgage Loan Application Amount | $140,686,000 |
| Average Mortgage Loan Application Amount | $120,760 |
| Highest Mortgage Loan Application Amount | $8,800,000 |
| Average Applicant Income | $77,163 |
| Highest Applicant Income | $1,328,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 154 | $ 10,823,000 | $ 70,279 | $ 61,000 |
| Jefferson, Alabama | 67 | $ 11,123,000 | $ 166,014 | $ 78,000 |
| Madison, Alabama | 67 | $ 9,393,000 | $ 140,194 | $ 79,000 |
| Shelby, Alabama | 50 | $ 12,597,000 | $ 251,940 | $ 120,000 |
| Colbert, Alabama | 49 | $ 5,471,000 | $ 111,653 | $ 107,000 |
| Morgan, Alabama | 48 | $ 6,621,000 | $ 137,937 | $ 122,000 |
| Lincoln, Tennessee | 47 | $ 4,072,000 | $ 86,638 | $ 46,000 |
| Hardeman, Tennessee | 44 | $ 1,608,000 | $ 36,545 | $ 44,000 |
| McNairy, Tennessee | 43 | $ 2,625,000 | $ 61,046 | $ 48,000 |
| Lawrence, Alabama | 42 | $ 2,944,000 | $ 70,095 | $ 58,000 |
| Hardin, Tennessee | 37 | $ 4,444,000 | $ 120,108 | $ 89,000 |
| Lauderdale, Alabama | 35 | $ 4,906,000 | $ 140,171 | $ 84,000 |
| Giles, Tennessee | 30 | $ 2,568,000 | $ 85,600 | $ 103,000 |
| Alcorn, Mississippi | 27 | $ 2,672,000 | $ 98,962 | $ 60,000 |
| Marshall, Tennessee | 27 | $ 2,640,000 | $ 97,777 | $ 78,000 |
| Washington, Mississippi | 25 | $ 1,131,000 | $ 45,240 | $ 59,000 |
| Coahoma, Mississippi | 23 | $ 2,691,000 | $ 117,000 | $ 94,000 |
| Cullman, Alabama | 22 | $ 3,459,000 | $ 157,227 | $ 79,000 |
| Lee, Mississippi | 22 | $ 1,625,000 | $ 73,863 | $ 145,000 |
| Decatur, Tennessee | 21 | $ 1,176,000 | $ 56,000 | $ 65,000 |
| Tippah, Mississippi | 20 | $ 1,443,000 | $ 72,150 | $ 64,000 |
| Itawamba, Mississippi | 17 | $ 1,052,000 | $ 61,882 | $ 44,000 |
| Leflore, Mississippi | 17 | $ 1,137,000 | $ 66,882 | $ 60,000 |
| Henderson, Tennessee | 16 | $ 704,000 | $ 44,000 | $ 46,000 |
| Tishomingo, Mississippi | 15 | $ 1,501,000 | $ 100,066 | $ 73,000 |
| Rutherford, Tennessee | 14 | $ 3,381,000 | $ 241,500 | $ 137,000 |
| Marion, Alabama | 13 | $ 1,066,000 | $ 82,000 | $ 52,000 |
| Oktibbeha, Mississippi | 13 | $ 1,228,000 | $ 94,461 | $ 56,000 |
| Lewis, Tennessee | 13 | $ 1,335,000 | $ 102,692 | $ 57,000 |
| Davidson, Tennessee | 12 | $ 12,567,000 | $ 1,047,250 | $ 84,000 |
| Limestone, Alabama | 10 | $ 1,309,000 | $ 130,900 | $ 70,000 |
| St. Clair, Alabama | 9 | $ 1,696,000 | $ 188,444 | $ 79,000 |
| Tuscaloosa, Alabama | 7 | $ 1,281,000 | $ 183,000 | $ 165,000 |
| Prentiss, Mississippi | 7 | $ 634,000 | $ 90,571 | $ 65,000 |
| Walker, Alabama | 6 | $ 688,000 | $ 114,666 | $ 83,000 |
| Winston, Alabama | 6 | $ 755,000 | $ 125,833 | $ 89,000 |
| Blount, Alabama | 5 | $ 518,000 | $ 103,600 | $ 33,000 |
| Madison, Tennessee | 4 | $ 344,000 | $ 86,000 | $ 38,000 |
| Maury, Tennessee | 4 | $ 837,000 | $ 209,250 | $ 0 |
| Shelby, Tennessee | 4 | $ 536,000 | $ 134,000 | $ 90,000 |
| Baldwin, Alabama | 3 | $ 670,000 | $ 223,333 | $ 147,000 |
| Pontotoc, Mississippi | 3 | $ 329,000 | $ 109,666 | $ 41,000 |
| Union, Mississippi | 3 | $ 1,700,000 | $ 566,666 | $ 14,000 |
| Bedford, Tennessee | 3 | $ 256,000 | $ 85,333 | $ 51,000 |
| Chester, Tennessee | 3 | $ 310,000 | $ 103,333 | $ 56,000 |
| Franklin, Tennessee | 3 | $ 473,000 | $ 157,666 | $ 117,000 |
| Gibson, Tennessee | 3 | $ 505,000 | $ 168,333 | $ 98,000 |
| Williamson, Tennessee | 3 | $ 1,847,000 | $ 615,666 | $ 287,000 |
| Lee, Alabama | 2 | $ 228,000 | $ 114,000 | $ 96,000 |
| Benton, Mississippi | 2 | $ 74,000 | $ 37,000 | $ 31,000 |
| Bolivar, Mississippi | 2 | $ 362,000 | $ 181,000 | $ 92,000 |
| Clay, Mississippi | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Noxubee, Mississippi | 2 | $ 92,000 | $ 46,000 | $ 44,000 |
| Webster, Mississippi | 2 | $ 62,000 | $ 31,000 | $ 49,000 |
| Fayette, Tennessee | 2 | $ 290,000 | $ 145,000 | $ 43,000 |
| Lawrence, Tennessee | 2 | $ 82,000 | $ 41,000 | $ 46,000 |
| Sevier, Tennessee | 2 | $ 397,000 | $ 198,500 | $ 45,000 |
| Chilton, Alabama | 1 | $ 58,000 | $ 58,000 | $ 48,000 |
| Etowah, Alabama | 1 | $ 114,000 | $ 114,000 | $ 92,000 |
| Jackson, Alabama | 1 | $ 230,000 | $ 230,000 | $ 69,000 |
| Lamar, Alabama | 1 | $ 38,000 | $ 38,000 | $ 137,000 |
| Marshall, Alabama | 1 | $ 221,000 | $ 221,000 | $ 78,000 |
| Mobile, Alabama | 1 | $ 182,000 | $ 182,000 | $ 250,000 |
| Talladega, Alabama | 1 | $ 96,000 | $ 96,000 | $ 65,000 |
| Tallapoosa, Alabama | 1 | $ 424,000 | $ 424,000 | $ 381,000 |
| Bay, Florida | 1 | $ 73,000 | $ 73,000 | $ 116,000 |
| Carroll, Mississippi | 1 | $ 104,000 | $ 104,000 | $ 80,000 |
| Chickasaw, Mississippi | 1 | $ 9,000 | $ 9,000 | $ 59,000 |
| Choctaw, Mississippi | 1 | $ 38,000 | $ 38,000 | $ 55,000 |
| DeSoto, Mississippi | 1 | $ 251,000 | $ 251,000 | $ 112,000 |
| Grenada, Mississippi | 1 | $ 131,000 | $ 131,000 | $ 27,000 |
| Holmes, Mississippi | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Issaquena, Mississippi | 1 | $ 108,000 | $ 108,000 | $ 49,000 |
| Lafayette, Mississippi | 1 | $ 157,000 | $ 157,000 | $ 100,000 |
| Lowndes, Mississippi | 1 | $ 156,000 | $ 156,000 | $ 52,000 |
| Monroe, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 15,000 |
| Neshoba, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 955,000 |
| Panola, Mississippi | 1 | $ 9,000 | $ 9,000 | $ 17,000 |
| Tallahatchie, Mississippi | 1 | $ 10,000 | $ 10,000 | $ 22,000 |
| Warren, Mississippi | 1 | $ 22,000 | $ 22,000 | $ 34,000 |
| Richland, South Carolina | 1 | $ 441,000 | $ 441,000 | $ 128,000 |
| Coffee, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
| Morgan, Tennessee | 1 | $ 379,000 | $ 379,000 | $ 128,000 |
| Perry, Tennessee | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Sumner, Tennessee | 1 | $ 240,000 | $ 240,000 | $ 48,000 |
| Weakley, Tennessee | 1 | $ 29,000 | $ 29,000 | $ 23,000 |
| Chambers, Texas | 1 | $ 86,000 | $ 86,000 | $ 44,000 |
| Frederick, Virginia | 1 | $ 200,000 | $ 200,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 577 | $93,032,000 | $161,000 | $8,800,000 | $87,000 | $955,000 |
| Refinancing | 372 | $38,505,000 | $103,000 | $1,050,000 | $80,000 | $1,328,000 |
| Home Improvement | 216 | $9,149,000 | $42,000 | $610,000 | $46,000 | $187,000 |
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 | 912 | $105,497,000 | $115,000 | $895,000 | $86,000 | $1,328,000 |
| Black or African American | 108 | $7,221,000 | $66,000 | $840,000 | $49,000 | $315,000 |
| Not applicable | 59 | $19,527,000 | $330,000 | $8,800,000 | $0 | $0 |
| Hispanic | 50 | $3,074,000 | $61,000 | $424,000 | $56,000 | $381,000 |
| Not Provided | 26 | $3,037,000 | $116,000 | $610,000 | $97,000 | $500,000 |
| Asian | 9 | $2,182,000 | $242,000 | $880,000 | $123,000 | $320,000 |
| American Indian or Alaskan Native | 1 | $148,000 | $148,000 | $148,000 | $43,000 | $43,000 |
| 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) | 1,077 | $128,374,000 | $119,000 | $8,800,000 | $79,000 | $1,328,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,576,000 | $142,000 | $329,000 | $60,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,896,000 | $107,000 | $157,000 | $41,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,840,000 | $174,000 | $441,000 | $67,000 | $146,000 |
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 | 844 | $100,027,000 | $118,000 | $903,000 | $84,000 | $1,328,000 |
| Application Denied By Financial Institution | 163 | $20,793,000 | $127,000 | $8,800,000 | $46,000 | $350,000 |
| Application Approved But Not Accepted | 83 | $10,437,000 | $125,000 | $1,050,000 | $71,000 | $385,000 |
| Application Withdrawn By Applicant | 71 | $8,994,000 | $126,000 | $340,000 | $72,000 | $370,000 |
| File Closed For Incompleteness | 4 | $435,000 | $108,000 | $300,000 | $169,000 | $500,000 |
| 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 | 85 | $4,990,000 | $58,000 | $413,000 | $43,000 | $284,000 |
| Debt-To-Income Ratio | 50 | $13,419,000 | $268,000 | $8,800,000 | $47,000 | $350,000 |
| Collateral | 15 | $1,274,000 | $84,000 | $210,000 | $60,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $373,000 | $62,000 | $142,000 | $32,000 | $53,000 |
| Other | 3 | $343,000 | $114,000 | $208,000 | $88,000 | $162,000 |
| Employment History | 3 | $309,000 | $103,000 | $159,000 | $42,000 | $85,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $22,000 | $22,000 |
| Mortgage Insurance Denied | 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 2017 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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