Cb&S Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Cb&S Bank, Inc. 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Cb&S Bank, Inc. 200 Jackson Ave. S. Russellville, AL 35653 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,539 |
| Total Mortgage Loan Application Amount | $266,255,000 |
| Average Mortgage Loan Application Amount | $132,200 |
| Highest Mortgage Loan Application Amount | $2,575,000 |
| Average Applicant Income | $85,400 |
| Highest Applicant Income | $2,415,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Cb&S Bank, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Cb&S Bank, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Cb&S Bank, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Cb&S Bank, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Cb&S Bank, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Cb&S Bank, Inc.'s mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Alabama | 158 | $ 39,060,000 | $ 247,000 | $ 121,000 |
| Franklin County Alabama | 156 | $ 13,500,000 | $ 86,000 | $ 59,000 |
| Shelby County Alabama | 115 | $ 28,055,000 | $ 243,000 | $ 119,000 |
| Madison County Alabama | 108 | $ 23,470,000 | $ 217,000 | $ 114,000 |
| Colbert County Alabama | 63 | $ 12,035,000 | $ 191,000 | $ 134,000 |
| Morgan County Alabama | 56 | $ 9,370,000 | $ 167,000 | $ 127,000 |
| Lawrence County Alabama | 46 | $ 4,500,000 | $ 97,000 | $ 72,000 |
| Elmore County Alabama | 45 | $ 8,975,000 | $ 199,000 | $ 114,000 |
| Lincoln County Tennessee | 44 | $ 6,500,000 | $ 147,000 | $ 87,000 |
| McNairy County Tennessee | 40 | $ 3,230,000 | $ 80,000 | $ 60,000 |
| Limestone County Alabama | 39 | $ 9,075,000 | $ 232,000 | $ 127,000 |
| Lauderdale County Alabama | 37 | $ 6,235,000 | $ 168,000 | $ 121,000 |
| Coahoma County Mississippi | 36 | $ 5,220,000 | $ 145,000 | $ 155,000 |
| Hardin County Tennessee | 33 | $ 4,745,000 | $ 143,000 | $ 167,000 |
| Tippah County Mississippi | 32 | $ 3,710,000 | $ 115,000 | $ 81,000 |
| Hardeman County Tennessee | 27 | $ 1,135,000 | $ 42,000 | $ 59,000 |
| Tishomingo County Mississippi | 25 | $ 3,055,000 | $ 122,000 | $ 96,000 |
| Lee County Mississippi | 22 | $ 7,710,000 | $ 350,000 | $ 74,000 |
| Alcorn County Mississippi | 20 | $ 3,040,000 | $ 152,000 | $ 63,000 |
| Oktibbeha County Mississippi | 20 | $ 3,740,000 | $ 187,000 | $ 88,000 |
| Washington County Mississippi | 20 | $ 1,480,000 | $ 74,000 | $ 72,000 |
| Decatur County Tennessee | 19 | $ 1,255,000 | $ 66,000 | $ 38,000 |
| Cullman County Alabama | 17 | $ 4,045,000 | $ 237,000 | $ 117,000 |
| Marion County Alabama | 17 | $ 1,215,000 | $ 71,000 | $ 58,000 |
| Montgomery County Alabama | 16 | $ 1,250,000 | $ 78,000 | $ 83,000 |
| Leflore County Mississippi | 16 | $ 1,270,000 | $ 79,000 | $ 65,000 |
| Giles County Tennessee | 16 | $ 1,730,000 | $ 108,000 | $ 64,000 |
| Marshall County Tennessee | 16 | $ 1,570,000 | $ 98,000 | $ 60,000 |
| Rutherford County Tennessee | 16 | $ 5,370,000 | $ 335,000 | $ 134,000 |
| Itawamba County Mississippi | 15 | $ 1,375,000 | $ 91,000 | $ 58,000 |
| Blount County Alabama | 14 | $ 2,410,000 | $ 172,000 | $ 73,000 |
| Tallapoosa County Alabama | 13 | $ 2,425,000 | $ 186,000 | $ 107,000 |
| Talladega County Alabama | 11 | $ 2,235,000 | $ 203,000 | $ 128,000 |
| Webster County Mississippi | 11 | $ 1,085,000 | $ 98,000 | $ 49,000 |
| St. Clair County Alabama | 10 | $ 1,980,000 | $ 198,000 | $ 90,000 |
| Davidson County Tennessee | 10 | $ 2,390,000 | $ 239,000 | $ 103,000 |
| Baldwin County Alabama | 9 | $ 2,755,000 | $ 306,000 | $ 93,000 |
| Winston County Alabama | 9 | $ 2,465,000 | $ 273,000 | $ 171,000 |
| Chester County Tennessee | 9 | $ 1,115,000 | $ 123,000 | $ 136,000 |
| Shelby County Tennessee | 9 | $ 2,215,000 | $ 246,000 | $ 212,000 |
| Lewis County Tennessee | 8 | $ 1,170,000 | $ 146,000 | $ 55,000 |
| Wilson County Tennessee | 8 | $ 1,880,000 | $ 235,000 | $ 343,000 |
| Lawrence County Tennessee | 7 | $ 1,245,000 | $ 177,000 | $ 65,000 |
| Choctaw County Mississippi | 6 | $ 370,000 | $ 61,000 | $ 65,000 |
| Carroll County Mississippi | 5 | $ 155,000 | $ 31,000 | $ 54,000 |
| Henderson County Tennessee | 5 | $ 285,000 | $ 57,000 | $ 57,000 |
| Williamson County Tennessee | 5 | $ 1,945,000 | $ 389,000 | $ 301,000 |
| Tuscaloosa County Alabama | 4 | $ 700,000 | $ 175,000 | $ 185,000 |
| DeSoto County Mississippi | 4 | $ 1,270,000 | $ 317,000 | $ 177,000 |
| Fayette County Tennessee | 4 | $ 840,000 | $ 210,000 | $ 60,000 |
| Chilton County Alabama | 3 | $ 545,000 | $ 181,000 | $ 107,000 |
| Etowah County Alabama | 3 | $ 435,000 | $ 145,000 | $ 60,000 |
| Jackson County Alabama | 3 | $ 345,000 | $ 115,000 | $ 111,000 |
| Walker County Alabama | 3 | $ 505,000 | $ 168,000 | $ 91,000 |
| Bay County Florida | 3 | $ 245,000 | $ 81,000 | $ 94,000 |
| Pontotoc County Mississippi | 3 | $ 495,000 | $ 165,000 | $ 98,000 |
| Prentiss County Mississippi | 3 | $ 245,000 | $ 81,000 | $ 69,000 |
| Sunflower County Mississippi | 3 | $ 145,000 | $ 48,000 | $ 37,000 |
| Bedford County Tennessee | 3 | $ 345,000 | $ 115,000 | $ 307,000 |
| Hamilton County Tennessee | 3 | $ 475,000 | $ 158,000 | $ 80,000 |
| Autauga County Alabama | 2 | $ 400,000 | $ 200,000 | $ 44,000 |
| DeKalb County Alabama | 2 | $ 630,000 | $ 315,000 | $ 73,000 |
| Lee County Alabama | 2 | $ 480,000 | $ 240,000 | $ 189,000 |
| Macon County Alabama | 2 | $ 80,000 | $ 40,000 | $ 68,000 |
| Okaloosa County Florida | 2 | $ 4,060,000 | $ 2,030,000 | $ 504,000 |
| Bolivar County Mississippi | 2 | $ 220,000 | $ 110,000 | $ 487,000 |
| Lowndes County Mississippi | 2 | $ 310,000 | $ 155,000 | $ 45,000 |
| Madison County Mississippi | 2 | $ 550,000 | $ 275,000 | $ 105,000 |
| Greenville County South Carolina | 2 | $ 470,000 | $ 235,000 | $ 52,000 |
| Sumner County Tennessee | 2 | $ 510,000 | $ 255,000 | $ 74,000 |
| Butler County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hale County Alabama | 1 | $ 245,000 | $ 245,000 | $ 67,000 |
| Henry County Alabama | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Lamar County Alabama | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Marshall County Alabama | 1 | $ 235,000 | $ 235,000 | $ 207,000 |
| Pike County Alabama | 1 | $ 125,000 | $ 125,000 | $ 261,000 |
| Walton County Florida | 1 | $ 135,000 | $ 135,000 | $ 396,000 |
| Cobb County Georgia | 1 | $ 465,000 | $ 465,000 | $ 139,000 |
| DeKalb County Georgia | 1 | $ 505,000 | $ 505,000 | $ 192,000 |
| Forsyth County Georgia | 1 | $ 515,000 | $ 515,000 | $ 125,000 |
| Fulton County Georgia | 1 | $ 305,000 | $ 305,000 | $ 159,000 |
| Harris County Georgia | 1 | $ 285,000 | $ 285,000 | $ 128,000 |
| Madison County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Warren County Kentucky | 1 | $ 525,000 | $ 525,000 | $ 102,000 |
| Attala County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Benton County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Grenada County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 71,000 |
| Holmes County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Lafayette County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Leake County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Marshall County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Pearl River County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Simpson County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Union County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Warren County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Yazoo County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Hickman County Tennessee | 1 | $ 395,000 | $ 395,000 | $ 131,000 |
| Humphreys County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 16,000 |
| Knox County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| Moore County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Putnam County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank, Inc. in 2020
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 | 671 | $116,835,000 | $174,000 | $2,025,000 | $93,000 | $2,415,000 |
| Refinancing | 646 | $116,100,000 | $179,000 | $2,575,000 | $115,000 | $1,248,000 |
| Cash-out Refinancing | 142 | $29,190,000 | $205,000 | $515,000 | $105,000 | $316,000 |
| Home Improvement | 43 | $2,015,000 | $46,000 | $255,000 | $50,000 | $230,000 |
| Other Purpose | 37 | $2,115,000 | $57,000 | $235,000 | $64,000 | $254,000 |
| 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 | 1,261 | $219,855,000 | $174,000 | $1,605,000 | $105,000 | $2,415,000 |
| Black or African American | 109 | $12,025,000 | $110,000 | $455,000 | $72,000 | $300,000 |
| Not applicable | 77 | $21,915,000 | $284,000 | $2,575,000 | $0 | $0 |
| Hispanic | 52 | $4,030,000 | $77,000 | $295,000 | $58,000 | $385,000 |
| Asian | 21 | $5,485,000 | $261,000 | $515,000 | $112,000 | $259,000 |
| Not Provided | 19 | $2,945,000 | $155,000 | $515,000 | $113,000 | $322,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,415 | $247,075,000 | $174,000 | $2,575,000 | $105,000 | $2,415,000 |
| FHA-insured (Federal Housing Administration) | 63 | $9,555,000 | $151,000 | $335,000 | $62,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $5,290,000 | $110,000 | $245,000 | $45,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 13 | $4,335,000 | $333,000 | $525,000 | $97,000 | $160,000 |
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 | 1,233 | $225,095,000 | $182,000 | $2,575,000 | $108,000 | $2,415,000 |
| Application Denied By Financial Institution | 148 | $17,070,000 | $115,000 | $515,000 | $55,000 | $250,000 |
| Application Withdrawn By Applicant | 129 | $20,515,000 | $159,000 | $505,000 | $99,000 | $1,359,000 |
| Application Approved But Not Accepted | 26 | $3,360,000 | $129,000 | $315,000 | $81,000 | $220,000 |
| File Closed For Incompleteness | 3 | $215,000 | $71,000 | $125,000 | $60,000 | $64,000 |
| 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 | 1,391 | $249,185,000 | $179,000 | $2,575,000 | $107,000 | $2,415,000 |
| Credit History | 89 | $7,515,000 | $84,000 | $515,000 | $51,000 | $250,000 |
| Debt-To-Income Ratio | 37 | $6,595,000 | $178,000 | $515,000 | $60,000 | $200,000 |
| Collateral | 7 | $1,085,000 | $155,000 | $255,000 | $72,000 | $104,000 |
| Other | 7 | $915,000 | $130,000 | $295,000 | $50,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $480,000 | $120,000 | $235,000 | $50,000 | $80,000 |
| Unverifiable Information | 2 | $180,000 | $90,000 | $155,000 | $45,000 | $50,000 |
| Mortgage Insurance Denied | 1 | $245,000 | $245,000 | $245,000 | $77,000 | $77,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $54,000 | $54,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank, Inc.'s 2020 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, Inc.'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.