Cb&S Bank Mortgage Lending & HMDA Data, 2019
In 2019, Cb&S Bank of Russellville, AL reported 1,063 mortgage applications totaling $132.4 million, about the same as 2018. The average application was for $124,586, and applicants reported an average income of $79,680. 74% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Birmingham-Hoover, AL (87), Decatur, AL (87) and Huntsville, AL (83) (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 | $132,435,000 |
| Average Mortgage Loan Application Amount | $124,586 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $79,680 |
| Highest Applicant Income | $2,727,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 156 | $ 12,310,000 | $ 78,910 | $ 53,000 |
| Madison, Alabama | 71 | $ 10,755,000 | $ 151,478 | $ 119,000 |
| Jefferson, Alabama | 48 | $ 7,790,000 | $ 162,291 | $ 94,000 |
| Lawrence, Alabama | 46 | $ 3,360,000 | $ 73,043 | $ 56,000 |
| Colbert, Alabama | 43 | $ 5,955,000 | $ 138,488 | $ 70,000 |
| Morgan, Alabama | 41 | $ 7,015,000 | $ 171,097 | $ 93,000 |
| McNairy, Tennessee | 39 | $ 3,165,000 | $ 81,153 | $ 65,000 |
| Lincoln, Tennessee | 36 | $ 3,600,000 | $ 100,000 | $ 67,000 |
| Tippah, Mississippi | 35 | $ 3,055,000 | $ 87,285 | $ 52,000 |
| Decatur, Tennessee | 30 | $ 1,590,000 | $ 53,000 | $ 61,000 |
| Hardin, Tennessee | 25 | $ 2,525,000 | $ 101,000 | $ 71,000 |
| Lauderdale, Alabama | 24 | $ 3,350,000 | $ 139,583 | $ 105,000 |
| Hardeman, Tennessee | 24 | $ 1,810,000 | $ 75,416 | $ 42,000 |
| Alcorn, Mississippi | 23 | $ 2,305,000 | $ 100,217 | $ 61,000 |
| Shelby, Alabama | 21 | $ 4,725,000 | $ 225,000 | $ 96,000 |
| Elmore, Alabama | 20 | $ 2,640,000 | $ 132,000 | $ 88,000 |
| Lee, Mississippi | 20 | $ 3,080,000 | $ 154,000 | $ 81,000 |
| Marshall, Tennessee | 19 | $ 1,595,000 | $ 83,947 | $ 54,000 |
| Oktibbeha, Mississippi | 18 | $ 2,340,000 | $ 130,000 | $ 86,000 |
| Coahoma, Mississippi | 16 | $ 1,570,000 | $ 98,125 | $ 84,000 |
| Rutherford, Tennessee | 16 | $ 4,880,000 | $ 305,000 | $ 139,000 |
| Tishomingo, Mississippi | 15 | $ 1,955,000 | $ 130,333 | $ 86,000 |
| Cullman, Alabama | 13 | $ 2,615,000 | $ 201,153 | $ 96,000 |
| Marion, Alabama | 13 | $ 1,295,000 | $ 99,615 | $ 62,000 |
| Itawamba, Mississippi | 13 | $ 1,455,000 | $ 111,923 | $ 71,000 |
| Webster, Mississippi | 13 | $ 1,055,000 | $ 81,153 | $ 56,000 |
| Limestone, Alabama | 12 | $ 1,730,000 | $ 144,166 | $ 63,000 |
| Giles, Tennessee | 12 | $ 1,390,000 | $ 115,833 | $ 63,000 |
| Henderson, Tennessee | 12 | $ 650,000 | $ 54,166 | $ 31,000 |
| Blount, Alabama | 10 | $ 1,990,000 | $ 199,000 | $ 86,000 |
| Washington, Mississippi | 10 | $ 430,000 | $ 43,000 | $ 52,000 |
| Leflore, Mississippi | 9 | $ 575,000 | $ 63,888 | $ 104,000 |
| Shelby, Tennessee | 9 | $ 1,965,000 | $ 218,333 | $ 100,000 |
| St. Clair, Alabama | 8 | $ 1,530,000 | $ 191,250 | $ 82,000 |
| Montgomery, Alabama | 6 | $ 1,080,000 | $ 180,000 | $ 104,000 |
| Tallapoosa, Alabama | 6 | $ 1,040,000 | $ 173,333 | $ 79,000 |
| Davidson, Tennessee | 6 | $ 1,850,000 | $ 308,333 | $ 805,000 |
| Lewis, Tennessee | 6 | $ 540,000 | $ 90,000 | $ 63,000 |
| Marshall, Alabama | 5 | $ 605,000 | $ 121,000 | $ 66,000 |
| Talladega, Alabama | 5 | $ 1,395,000 | $ 279,000 | $ 246,000 |
| Tuscaloosa, Alabama | 5 | $ 735,000 | $ 147,000 | $ 182,000 |
| Winston, Alabama | 5 | $ 1,115,000 | $ 223,000 | $ 255,000 |
| Bedford, Tennessee | 5 | $ 725,000 | $ 145,000 | $ 169,000 |
| Baldwin, Alabama | 4 | $ 1,080,000 | $ 270,000 | $ 313,000 |
| Lawrence, Tennessee | 4 | $ 690,000 | $ 172,500 | $ 75,000 |
| Maury, Tennessee | 4 | $ 320,000 | $ 80,000 | $ 64,000 |
| Williamson, Tennessee | 4 | $ 1,820,000 | $ 455,000 | $ 230,000 |
| Autauga, Alabama | 3 | $ 515,000 | $ 171,666 | $ 100,000 |
| Carroll, Mississippi | 3 | $ 95,000 | $ 31,666 | $ 56,000 |
| Choctaw, Mississippi | 3 | $ 325,000 | $ 108,333 | $ 69,000 |
| Hinds, Mississippi | 3 | $ 305,000 | $ 101,666 | $ 111,000 |
| Pontotoc, Mississippi | 3 | $ 395,000 | $ 131,666 | $ 50,000 |
| Prentiss, Mississippi | 3 | $ 285,000 | $ 95,000 | $ 52,000 |
| Rankin, Mississippi | 3 | $ 425,000 | $ 141,666 | $ 75,000 |
| Hamilton, Tennessee | 3 | $ 385,000 | $ 128,333 | $ 169,000 |
| Perry, Tennessee | 3 | $ 495,000 | $ 165,000 | $ 131,000 |
| Escambia, Alabama | 2 | $ 1,120,000 | $ 560,000 | $ 288,000 |
| Jackson, Alabama | 2 | $ 710,000 | $ 355,000 | $ 116,000 |
| DeSoto, Mississippi | 2 | $ 420,000 | $ 210,000 | $ 80,000 |
| Montgomery, Mississippi | 2 | $ 140,000 | $ 70,000 | $ 55,000 |
| Chester, Tennessee | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| Gibson, Tennessee | 2 | $ 190,000 | $ 95,000 | $ 48,000 |
| Knox, Tennessee | 2 | $ 150,000 | $ 75,000 | $ 85,000 |
| Madison, Tennessee | 2 | $ 70,000 | $ 35,000 | $ 34,000 |
| Moore, Tennessee | 2 | $ 70,000 | $ 35,000 | $ 44,000 |
| Tipton, Tennessee | 2 | $ 620,000 | $ 310,000 | $ 77,000 |
| Wayne, Tennessee | 2 | $ 80,000 | $ 40,000 | $ 48,000 |
| Butler, Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Coffee, Alabama | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Covington, Alabama | 1 | $ 745,000 | $ 745,000 | $ 0 |
| DeKalb, Alabama | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Hale, Alabama | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Lee, Alabama | 1 | $ 145,000 | $ 145,000 | $ 32,000 |
| Macon, Alabama | 1 | $ 75,000 | $ 75,000 | $ 91,000 |
| Walker, Alabama | 1 | $ 235,000 | $ 235,000 | $ 102,000 |
| Flagler, Florida | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Lake, Florida | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Walton, Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Warren, Kentucky | 1 | $ 415,000 | $ 415,000 | $ 123,000 |
| Bolivar, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Clay, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Copiah, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Hancock, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Jackson, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Lowndes, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Monroe, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Neshoba, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 146,000 |
| Newton, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Warren, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Carroll, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Fayette, Tennessee | 1 | $ 5,000 | $ 5,000 | $ 46,000 |
| Franklin, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 9,000 |
| Warren, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2019
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 | 548 | $83,950,000 | $153,000 | $1,305,000 | $80,000 | $600,000 |
| Refinancing | 371 | $37,155,000 | $100,000 | $795,000 | $88,000 | $2,727,000 |
| Other Purpose | 63 | $3,125,000 | $49,000 | $275,000 | $50,000 | $273,000 |
| Cash-out Refinancing | 49 | $7,185,000 | $146,000 | $495,000 | $70,000 | $436,000 |
| Home Improvement | 32 | $1,020,000 | $31,000 | $155,000 | $51,000 | $126,000 |
| 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 | 841 | $104,335,000 | $124,000 | $795,000 | $81,000 | $2,727,000 |
| Black or African American | 71 | $4,625,000 | $65,000 | $345,000 | $62,000 | $185,000 |
| Not applicable | 69 | $14,115,000 | $204,000 | $1,305,000 | $0 | $0 |
| Hispanic | 55 | $4,935,000 | $89,000 | $635,000 | $63,000 | $226,000 |
| Asian | 13 | $2,225,000 | $171,000 | $275,000 | $122,000 | $496,000 |
| Not Provided | 12 | $1,810,000 | $150,000 | $315,000 | $101,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $145,000 | $145,000 |
| American Indian or Alaskan Native | 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) | 943 | $114,705,000 | $121,000 | $1,305,000 | $82,000 | $2,727,000 |
| FHA-insured (Federal Housing Administration) | 60 | $8,860,000 | $147,000 | $295,000 | $58,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,875,000 | $104,000 | $275,000 | $42,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 23 | $4,995,000 | $217,000 | $495,000 | $90,000 | $235,000 |
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 | 790 | $103,150,000 | $130,000 | $1,305,000 | $84,000 | $929,000 |
| Application Denied By Financial Institution | 130 | $10,890,000 | $83,000 | $325,000 | $48,000 | $168,000 |
| Application Withdrawn By Applicant | 104 | $13,090,000 | $125,000 | $745,000 | $94,000 | $2,727,000 |
| Application Approved But Not Accepted | 30 | $4,330,000 | $144,000 | $795,000 | $72,000 | $296,000 |
| File Closed For Incompleteness | 9 | $975,000 | $108,000 | $265,000 | $68,000 | $137,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 933 | $121,545,000 | $130,000 | $1,305,000 | $84,000 | $2,727,000 |
| Credit History | 64 | $4,110,000 | $64,000 | $275,000 | $45,000 | $168,000 |
| Debt-To-Income Ratio | 39 | $3,835,000 | $98,000 | $325,000 | $44,000 | $139,000 |
| Collateral | 10 | $870,000 | $87,000 | $255,000 | $91,000 | $162,000 |
| Other | 8 | $900,000 | $112,000 | $215,000 | $43,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $305,000 | $101,000 | $225,000 | $42,000 | $62,000 |
| Unverifiable Information | 2 | $420,000 | $210,000 | $305,000 | $89,000 | $96,000 |
| Employment History | 2 | $250,000 | $125,000 | $145,000 | $30,000 | $45,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2019 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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