Cb&S Bank Mortgage Lending & HMDA Data, 2018
In 2018, Cb&S Bank of Russellville, AL reported 1,063 mortgage applications totaling $131.7 million, down 9% from 2017. The average application was for $123,880, and applicants reported an average income of $80,015. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Birmingham-Hoover, AL (105), Huntsville, AL (80) and Decatur, AL (74) (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 | 1,063 |
| Total Mortgage Loan Application Amount | $131,685,000 |
| Average Mortgage Loan Application Amount | $123,880 |
| Highest Mortgage Loan Application Amount | $7,655,000 |
| Average Applicant Income | $80,015 |
| Highest Applicant Income | $1,761,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 132 | $ 10,510,000 | $ 79,621 | $ 60,000 |
| Jefferson, Alabama | 63 | $ 10,345,000 | $ 164,206 | $ 90,000 |
| Madison, Alabama | 63 | $ 9,095,000 | $ 144,365 | $ 118,000 |
| McNairy, Tennessee | 47 | $ 2,985,000 | $ 63,510 | $ 55,000 |
| Colbert, Alabama | 44 | $ 5,240,000 | $ 119,090 | $ 72,000 |
| Lawrence, Alabama | 42 | $ 4,640,000 | $ 110,476 | $ 78,000 |
| Hardin, Tennessee | 38 | $ 4,350,000 | $ 114,473 | $ 134,000 |
| Tippah, Mississippi | 37 | $ 2,385,000 | $ 64,459 | $ 56,000 |
| Hardeman, Tennessee | 35 | $ 1,855,000 | $ 53,000 | $ 42,000 |
| Lincoln, Tennessee | 35 | $ 4,665,000 | $ 133,285 | $ 77,000 |
| Coahoma, Mississippi | 33 | $ 3,625,000 | $ 109,848 | $ 60,000 |
| Morgan, Alabama | 32 | $ 3,910,000 | $ 122,187 | $ 116,000 |
| Alcorn, Mississippi | 32 | $ 2,930,000 | $ 91,562 | $ 49,000 |
| Decatur, Tennessee | 30 | $ 2,020,000 | $ 67,333 | $ 62,000 |
| Cullman, Alabama | 26 | $ 4,050,000 | $ 155,769 | $ 66,000 |
| Shelby, Alabama | 25 | $ 5,665,000 | $ 226,600 | $ 119,000 |
| Tishomingo, Mississippi | 22 | $ 3,060,000 | $ 139,090 | $ 175,000 |
| Oktibbeha, Mississippi | 20 | $ 2,750,000 | $ 137,500 | $ 87,000 |
| Washington, Mississippi | 20 | $ 1,140,000 | $ 57,000 | $ 89,000 |
| Lauderdale, Alabama | 17 | $ 9,545,000 | $ 561,470 | $ 62,000 |
| Limestone, Alabama | 17 | $ 2,925,000 | $ 172,058 | $ 99,000 |
| Leflore, Mississippi | 17 | $ 1,135,000 | $ 66,764 | $ 72,000 |
| Giles, Tennessee | 16 | $ 1,000,000 | $ 62,500 | $ 58,000 |
| Lewis, Tennessee | 15 | $ 895,000 | $ 59,666 | $ 56,000 |
| Marshall, Tennessee | 15 | $ 1,605,000 | $ 107,000 | $ 59,000 |
| Marion, Alabama | 14 | $ 820,000 | $ 58,571 | $ 55,000 |
| Itawamba, Mississippi | 14 | $ 1,040,000 | $ 74,285 | $ 70,000 |
| Lee, Mississippi | 13 | $ 1,675,000 | $ 128,846 | $ 87,000 |
| Henderson, Tennessee | 11 | $ 645,000 | $ 58,636 | $ 46,000 |
| Winston, Alabama | 10 | $ 2,140,000 | $ 214,000 | $ 118,000 |
| St. Clair, Alabama | 7 | $ 975,000 | $ 139,285 | $ 70,000 |
| Rutherford, Tennessee | 7 | $ 1,625,000 | $ 232,142 | $ 108,000 |
| Shelby, Tennessee | 7 | $ 1,535,000 | $ 219,285 | $ 145,000 |
| Blount, Alabama | 6 | $ 750,000 | $ 125,000 | $ 86,000 |
| Perry, Tennessee | 5 | $ 225,000 | $ 45,000 | $ 45,000 |
| Maury, Tennessee | 4 | $ 1,010,000 | $ 252,500 | $ 45,000 |
| Baldwin, Alabama | 3 | $ 675,000 | $ 225,000 | $ 108,000 |
| Jackson, Alabama | 3 | $ 555,000 | $ 185,000 | $ 57,000 |
| Marshall, Alabama | 3 | $ 115,000 | $ 38,333 | $ 81,000 |
| Bolivar, Mississippi | 3 | $ 95,000 | $ 31,666 | $ 20,000 |
| Carroll, Mississippi | 3 | $ 355,000 | $ 118,333 | $ 67,000 |
| Choctaw, Mississippi | 3 | $ 225,000 | $ 75,000 | $ 42,000 |
| Hinds, Mississippi | 3 | $ 465,000 | $ 155,000 | $ 83,000 |
| Lafayette, Mississippi | 3 | $ 505,000 | $ 168,333 | $ 164,000 |
| Lowndes, Mississippi | 3 | $ 455,000 | $ 151,666 | $ 53,000 |
| Davidson, Tennessee | 3 | $ 915,000 | $ 305,000 | $ 200,000 |
| Lawrence, Tennessee | 3 | $ 455,000 | $ 151,666 | $ 52,000 |
| Wayne, Tennessee | 3 | $ 35,000 | $ 11,666 | $ 27,000 |
| Chilton, Alabama | 2 | $ 490,000 | $ 245,000 | $ 511,000 |
| Tuscaloosa, Alabama | 2 | $ 400,000 | $ 200,000 | $ 52,000 |
| Walker, Alabama | 2 | $ 290,000 | $ 145,000 | $ 67,000 |
| DeSoto, Mississippi | 2 | $ 280,000 | $ 140,000 | $ 61,000 |
| Monroe, Mississippi | 2 | $ 170,000 | $ 85,000 | $ 77,000 |
| Prentiss, Mississippi | 2 | $ 90,000 | $ 45,000 | $ 41,000 |
| Sunflower, Mississippi | 2 | $ 50,000 | $ 25,000 | $ 14,000 |
| Tunica, Mississippi | 2 | $ 250,000 | $ 125,000 | $ 50,000 |
| Webster, Mississippi | 2 | $ 90,000 | $ 45,000 | $ 29,000 |
| Winston, Mississippi | 2 | $ 260,000 | $ 130,000 | $ 121,000 |
| Chester, Tennessee | 2 | $ 100,000 | $ 50,000 | $ 34,000 |
| Knox, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 108,000 |
| Williamson, Tennessee | 2 | $ 3,200,000 | $ 1,600,000 | $ 0 |
| Elmore, Alabama | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| Etowah, Alabama | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Mobile, Alabama | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Talladega, Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cobb, Georgia | 1 | $ 205,000 | $ 205,000 | $ 196,000 |
| DeKalb, Georgia | 1 | $ 455,000 | $ 455,000 | $ 612,000 |
| Rabun, Georgia | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Benton, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
| Chickasaw, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Clay, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Montgomery, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Newton, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Tallahatchie, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Christian, Missouri | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Nemaha, Nebraska | 1 | $ 145,000 | $ 145,000 | $ 138,000 |
| Durham, North Carolina | 1 | $ 775,000 | $ 775,000 | $ 403,000 |
| Bedford, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Benton, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Dyer, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Fayette, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| Franklin, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 61,000 |
| Gibson, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Madison, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Moore, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 153,000 |
| Obion, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 106,000 |
| Sumner, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 64,000 |
| Wilson, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Montgomery, Texas | 1 | $ 435,000 | $ 435,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2018
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 | 569 | $88,365,000 | $155,000 | $7,655,000 | $83,000 | $1,054,000 |
| Refinancing | 293 | $26,095,000 | $89,000 | $1,695,000 | $86,000 | $1,761,000 |
| Cash-out Refinancing | 78 | $12,130,000 | $155,000 | $455,000 | $83,000 | $500,000 |
| Other Purpose | 73 | $3,205,000 | $43,000 | $165,000 | $46,000 | $174,000 |
| Home Improvement | 50 | $1,890,000 | $37,000 | $145,000 | $56,000 | $200,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 827 | $97,925,000 | $118,000 | $1,505,000 | $82,000 | $1,761,000 |
| Black or African American | 113 | $10,005,000 | $88,000 | $455,000 | $59,000 | $300,000 |
| Hispanic | 46 | $3,010,000 | $65,000 | $195,000 | $56,000 | $168,000 |
| Not applicable | 46 | $16,350,000 | $355,000 | $7,655,000 | $0 | $0 |
| Asian | 16 | $2,720,000 | $170,000 | $435,000 | $96,000 | $492,000 |
| Not Provided | 12 | $1,480,000 | $123,000 | $455,000 | $172,000 | $689,000 |
| American Indian or Alaskan Native | 3 | $195,000 | $65,000 | $65,000 | $127,000 | $147,000 |
| 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) | 938 | $113,000,000 | $120,000 | $7,655,000 | $82,000 | $1,761,000 |
| FHA-insured (Federal Housing Administration) | 63 | $10,565,000 | $167,000 | $295,000 | $69,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $3,960,000 | $99,000 | $245,000 | $42,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,160,000 | $189,000 | $395,000 | $83,000 | $283,000 |
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 | 740 | $98,790,000 | $133,000 | $7,655,000 | $84,000 | $1,761,000 |
| Application Denied By Financial Institution | 157 | $11,445,000 | $72,000 | $305,000 | $48,000 | $888,000 |
| Application Withdrawn By Applicant | 115 | $16,225,000 | $141,000 | $1,505,000 | $94,000 | $840,000 |
| Application Approved But Not Accepted | 43 | $4,365,000 | $101,000 | $585,000 | $84,000 | $655,000 |
| File Closed For Incompleteness | 7 | $735,000 | $105,000 | $325,000 | $133,000 | $500,000 |
| Loan Purchased By The Institution | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 906 | $120,240,000 | $132,000 | $7,655,000 | $86,000 | $1,761,000 |
| Credit History | 83 | $4,615,000 | $55,000 | $255,000 | $52,000 | $888,000 |
| Debt-To-Income Ratio | 43 | $4,415,000 | $102,000 | $305,000 | $39,000 | $129,000 |
| Collateral | 17 | $1,285,000 | $75,000 | $215,000 | $52,000 | $138,000 |
| Other | 7 | $645,000 | $92,000 | $265,000 | $58,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $380,000 | $95,000 | $165,000 | $64,000 | $83,000 |
| Credit Application Incomplete | 2 | $80,000 | $40,000 | $55,000 | $28,000 | $32,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $12,000 | $12,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2018 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.
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