Cb&S Bank Mortgage Lending & HMDA Data, 2020
In 2020, Cb&S Bank of Russellville, AL reported 1,539 mortgage applications totaling $266.3 million, up 45% from 2019. The average application was for $173,005, and applicants reported an average income of $101,443. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Birmingham-Hoover, AL (300), Huntsville, AL (147) and Decatur, AL (102) (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 | 1,539 |
| Total Mortgage Loan Application Amount | $266,255,000 |
| Average Mortgage Loan Application Amount | $173,005 |
| Highest Mortgage Loan Application Amount | $2,575,000 |
| Average Applicant Income | $101,443 |
| Highest Applicant Income | $2,415,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Jefferson, Alabama | 158 | $ 39,060,000 | $ 247,215 | $ 121,000 |
| Franklin, Alabama | 156 | $ 13,500,000 | $ 86,538 | $ 59,000 |
| Shelby, Alabama | 115 | $ 28,055,000 | $ 243,956 | $ 119,000 |
| Madison, Alabama | 108 | $ 23,470,000 | $ 217,314 | $ 114,000 |
| Colbert, Alabama | 63 | $ 12,035,000 | $ 191,031 | $ 134,000 |
| Morgan, Alabama | 56 | $ 9,370,000 | $ 167,321 | $ 127,000 |
| Lawrence, Alabama | 46 | $ 4,500,000 | $ 97,826 | $ 72,000 |
| Elmore, Alabama | 45 | $ 8,975,000 | $ 199,444 | $ 114,000 |
| Lincoln, Tennessee | 44 | $ 6,500,000 | $ 147,727 | $ 87,000 |
| McNairy, Tennessee | 40 | $ 3,230,000 | $ 80,750 | $ 60,000 |
| Limestone, Alabama | 39 | $ 9,075,000 | $ 232,692 | $ 127,000 |
| Lauderdale, Alabama | 37 | $ 6,235,000 | $ 168,513 | $ 121,000 |
| Coahoma, Mississippi | 36 | $ 5,220,000 | $ 145,000 | $ 155,000 |
| Hardin, Tennessee | 33 | $ 4,745,000 | $ 143,787 | $ 167,000 |
| Tippah, Mississippi | 32 | $ 3,710,000 | $ 115,937 | $ 81,000 |
| Hardeman, Tennessee | 27 | $ 1,135,000 | $ 42,037 | $ 59,000 |
| Tishomingo, Mississippi | 25 | $ 3,055,000 | $ 122,200 | $ 96,000 |
| Lee, Mississippi | 22 | $ 7,710,000 | $ 350,454 | $ 74,000 |
| Alcorn, Mississippi | 20 | $ 3,040,000 | $ 152,000 | $ 63,000 |
| Oktibbeha, Mississippi | 20 | $ 3,740,000 | $ 187,000 | $ 88,000 |
| Washington, Mississippi | 20 | $ 1,480,000 | $ 74,000 | $ 72,000 |
| Decatur, Tennessee | 19 | $ 1,255,000 | $ 66,052 | $ 38,000 |
| Cullman, Alabama | 17 | $ 4,045,000 | $ 237,941 | $ 117,000 |
| Marion, Alabama | 17 | $ 1,215,000 | $ 71,470 | $ 58,000 |
| Montgomery, Alabama | 16 | $ 1,250,000 | $ 78,125 | $ 83,000 |
| Leflore, Mississippi | 16 | $ 1,270,000 | $ 79,375 | $ 65,000 |
| Giles, Tennessee | 16 | $ 1,730,000 | $ 108,125 | $ 64,000 |
| Marshall, Tennessee | 16 | $ 1,570,000 | $ 98,125 | $ 60,000 |
| Rutherford, Tennessee | 16 | $ 5,370,000 | $ 335,625 | $ 134,000 |
| Itawamba, Mississippi | 15 | $ 1,375,000 | $ 91,666 | $ 58,000 |
| Blount, Alabama | 14 | $ 2,410,000 | $ 172,142 | $ 73,000 |
| Tallapoosa, Alabama | 13 | $ 2,425,000 | $ 186,538 | $ 107,000 |
| Talladega, Alabama | 11 | $ 2,235,000 | $ 203,181 | $ 128,000 |
| Webster, Mississippi | 11 | $ 1,085,000 | $ 98,636 | $ 49,000 |
| St. Clair, Alabama | 10 | $ 1,980,000 | $ 198,000 | $ 90,000 |
| Davidson, Tennessee | 10 | $ 2,390,000 | $ 239,000 | $ 103,000 |
| Baldwin, Alabama | 9 | $ 2,755,000 | $ 306,111 | $ 93,000 |
| Winston, Alabama | 9 | $ 2,465,000 | $ 273,888 | $ 171,000 |
| Chester, Tennessee | 9 | $ 1,115,000 | $ 123,888 | $ 136,000 |
| Shelby, Tennessee | 9 | $ 2,215,000 | $ 246,111 | $ 212,000 |
| Lewis, Tennessee | 8 | $ 1,170,000 | $ 146,250 | $ 55,000 |
| Wilson, Tennessee | 8 | $ 1,880,000 | $ 235,000 | $ 343,000 |
| Lawrence, Tennessee | 7 | $ 1,245,000 | $ 177,857 | $ 65,000 |
| Choctaw, Mississippi | 6 | $ 370,000 | $ 61,666 | $ 65,000 |
| Carroll, Mississippi | 5 | $ 155,000 | $ 31,000 | $ 54,000 |
| Henderson, Tennessee | 5 | $ 285,000 | $ 57,000 | $ 57,000 |
| Williamson, Tennessee | 5 | $ 1,945,000 | $ 389,000 | $ 301,000 |
| Tuscaloosa, Alabama | 4 | $ 700,000 | $ 175,000 | $ 185,000 |
| DeSoto, Mississippi | 4 | $ 1,270,000 | $ 317,500 | $ 177,000 |
| Fayette, Tennessee | 4 | $ 840,000 | $ 210,000 | $ 60,000 |
| Chilton, Alabama | 3 | $ 545,000 | $ 181,666 | $ 107,000 |
| Etowah, Alabama | 3 | $ 435,000 | $ 145,000 | $ 60,000 |
| Jackson, Alabama | 3 | $ 345,000 | $ 115,000 | $ 111,000 |
| Walker, Alabama | 3 | $ 505,000 | $ 168,333 | $ 91,000 |
| Bay, Florida | 3 | $ 245,000 | $ 81,666 | $ 94,000 |
| Pontotoc, Mississippi | 3 | $ 495,000 | $ 165,000 | $ 98,000 |
| Prentiss, Mississippi | 3 | $ 245,000 | $ 81,666 | $ 69,000 |
| Sunflower, Mississippi | 3 | $ 145,000 | $ 48,333 | $ 37,000 |
| Bedford, Tennessee | 3 | $ 345,000 | $ 115,000 | $ 307,000 |
| Hamilton, Tennessee | 3 | $ 475,000 | $ 158,333 | $ 80,000 |
| Autauga, Alabama | 2 | $ 400,000 | $ 200,000 | $ 44,000 |
| DeKalb, Alabama | 2 | $ 630,000 | $ 315,000 | $ 73,000 |
| Lee, Alabama | 2 | $ 480,000 | $ 240,000 | $ 189,000 |
| Macon, Alabama | 2 | $ 80,000 | $ 40,000 | $ 68,000 |
| Okaloosa, Florida | 2 | $ 4,060,000 | $ 2,030,000 | $ 504,000 |
| Bolivar, Mississippi | 2 | $ 220,000 | $ 110,000 | $ 487,000 |
| Lowndes, Mississippi | 2 | $ 310,000 | $ 155,000 | $ 45,000 |
| Madison, Mississippi | 2 | $ 550,000 | $ 275,000 | $ 105,000 |
| Greenville, South Carolina | 2 | $ 470,000 | $ 235,000 | $ 52,000 |
| Sumner, Tennessee | 2 | $ 510,000 | $ 255,000 | $ 74,000 |
| Butler, Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hale, Alabama | 1 | $ 245,000 | $ 245,000 | $ 67,000 |
| Henry, Alabama | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Lamar, Alabama | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Marshall, Alabama | 1 | $ 235,000 | $ 235,000 | $ 207,000 |
| Pike, Alabama | 1 | $ 125,000 | $ 125,000 | $ 261,000 |
| Walton, Florida | 1 | $ 135,000 | $ 135,000 | $ 396,000 |
| Cobb, Georgia | 1 | $ 465,000 | $ 465,000 | $ 139,000 |
| DeKalb, Georgia | 1 | $ 505,000 | $ 505,000 | $ 192,000 |
| Forsyth, Georgia | 1 | $ 515,000 | $ 515,000 | $ 125,000 |
| Fulton, Georgia | 1 | $ 305,000 | $ 305,000 | $ 159,000 |
| Harris, Georgia | 1 | $ 285,000 | $ 285,000 | $ 128,000 |
| Madison, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Warren, Kentucky | 1 | $ 525,000 | $ 525,000 | $ 102,000 |
| Attala, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Benton, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Grenada, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 71,000 |
| Holmes, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Lafayette, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Leake, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Marshall, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Pearl River, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Simpson, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Union, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Warren, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Yazoo, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Hickman, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 131,000 |
| Humphreys, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 16,000 |
| Knox, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| Moore, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Putnam, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank 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'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'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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