Cb&S Bank Mortgage Lending & HMDA Data, 2021
In 2021, Cb&S Bank of Russellville, AL reported 1,336 mortgage applications totaling $222.3 million, down 13% from 2020. The average application was for $166,407, and applicants reported an average income of $92,071. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Huntsville, AL (146), Birmingham-Hoover, AL (139) and Decatur, AL (100) (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 | 1,336 |
| Total Mortgage Loan Application Amount | $222,320,000 |
| Average Mortgage Loan Application Amount | $166,407 |
| Highest Mortgage Loan Application Amount | $5,155,000 |
| Average Applicant Income | $92,071 |
| Highest Applicant Income | $1,353,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 166 | $ 18,420,000 | $ 110,963 | $ 79,000 |
| Madison, Alabama | 114 | $ 23,180,000 | $ 203,333 | $ 136,000 |
| Jefferson, Alabama | 63 | $ 15,515,000 | $ 246,269 | $ 102,000 |
| Morgan, Alabama | 63 | $ 10,725,000 | $ 170,238 | $ 114,000 |
| Colbert, Alabama | 52 | $ 7,890,000 | $ 151,730 | $ 89,000 |
| Alcorn, Mississippi | 52 | $ 7,680,000 | $ 147,692 | $ 68,000 |
| Shelby, Alabama | 51 | $ 12,985,000 | $ 254,607 | $ 106,000 |
| Lauderdale, Alabama | 39 | $ 6,835,000 | $ 175,256 | $ 122,000 |
| Coahoma, Mississippi | 39 | $ 5,695,000 | $ 146,025 | $ 99,000 |
| Lawrence, Alabama | 37 | $ 6,245,000 | $ 168,783 | $ 89,000 |
| Tippah, Mississippi | 36 | $ 2,850,000 | $ 79,166 | $ 67,000 |
| Elmore, Alabama | 35 | $ 6,705,000 | $ 191,571 | $ 117,000 |
| McNairy, Tennessee | 34 | $ 3,320,000 | $ 97,647 | $ 59,000 |
| Lincoln, Tennessee | 33 | $ 4,635,000 | $ 140,454 | $ 52,000 |
| Limestone, Alabama | 32 | $ 6,180,000 | $ 193,125 | $ 128,000 |
| Washington, Mississippi | 28 | $ 1,820,000 | $ 65,000 | $ 45,000 |
| Hardeman, Tennessee | 28 | $ 2,030,000 | $ 72,500 | $ 49,000 |
| Decatur, Tennessee | 27 | $ 2,465,000 | $ 91,296 | $ 54,000 |
| Hardin, Tennessee | 24 | $ 3,090,000 | $ 128,750 | $ 65,000 |
| Lee, Mississippi | 23 | $ 3,325,000 | $ 144,565 | $ 129,000 |
| Marshall, Tennessee | 21 | $ 3,625,000 | $ 172,619 | $ 84,000 |
| Giles, Tennessee | 20 | $ 3,170,000 | $ 158,500 | $ 79,000 |
| Lewis, Tennessee | 18 | $ 1,350,000 | $ 75,000 | $ 66,000 |
| Tishomingo, Mississippi | 17 | $ 1,855,000 | $ 109,117 | $ 61,000 |
| Itawamba, Mississippi | 16 | $ 2,090,000 | $ 130,625 | $ 68,000 |
| Leflore, Mississippi | 16 | $ 1,370,000 | $ 85,625 | $ 107,000 |
| Montgomery, Alabama | 14 | $ 2,370,000 | $ 169,285 | $ 141,000 |
| St. Clair, Alabama | 13 | $ 3,135,000 | $ 241,153 | $ 95,000 |
| Winston, Alabama | 13 | $ 2,265,000 | $ 174,230 | $ 92,000 |
| Webster, Mississippi | 11 | $ 1,005,000 | $ 91,363 | $ 52,000 |
| Cullman, Alabama | 10 | $ 2,830,000 | $ 283,000 | $ 117,000 |
| Tuscaloosa, Alabama | 10 | $ 8,070,000 | $ 807,000 | $ 137,000 |
| Blount, Alabama | 9 | $ 1,695,000 | $ 188,333 | $ 59,000 |
| Marion, Alabama | 9 | $ 1,165,000 | $ 129,444 | $ 93,000 |
| Oktibbeha, Mississippi | 9 | $ 1,085,000 | $ 120,555 | $ 128,000 |
| Henderson, Tennessee | 8 | $ 750,000 | $ 93,750 | $ 59,000 |
| Prentiss, Mississippi | 7 | $ 1,045,000 | $ 149,285 | $ 74,000 |
| Rutherford, Tennessee | 7 | $ 2,325,000 | $ 332,142 | $ 131,000 |
| Jackson, Alabama | 6 | $ 2,040,000 | $ 340,000 | $ 151,000 |
| Tallapoosa, Alabama | 6 | $ 1,190,000 | $ 198,333 | $ 217,000 |
| Davidson, Tennessee | 6 | $ 4,250,000 | $ 708,333 | $ 84,000 |
| Baldwin, Alabama | 5 | $ 1,915,000 | $ 383,000 | $ 106,000 |
| Walton, Florida | 5 | $ 1,385,000 | $ 277,000 | $ 372,000 |
| Choctaw, Mississippi | 5 | $ 285,000 | $ 57,000 | $ 38,000 |
| Chester, Tennessee | 5 | $ 645,000 | $ 129,000 | $ 74,000 |
| Talladega, Alabama | 4 | $ 590,000 | $ 147,500 | $ 90,000 |
| Lowndes, Mississippi | 4 | $ 600,000 | $ 150,000 | $ 48,000 |
| Madison, Tennessee | 4 | $ 370,000 | $ 92,500 | $ 58,000 |
| Shelby, Tennessee | 4 | $ 820,000 | $ 205,000 | $ 58,000 |
| Marshall, Alabama | 3 | $ 425,000 | $ 141,666 | $ 44,000 |
| Bay, Florida | 3 | $ 485,000 | $ 161,666 | $ 90,000 |
| Bolivar, Mississippi | 3 | $ 1,245,000 | $ 415,000 | $ 133,000 |
| Franklin, Tennessee | 3 | $ 545,000 | $ 181,666 | $ 151,000 |
| Williamson, Tennessee | 3 | $ 925,000 | $ 308,333 | $ 180,000 |
| Wilson, Tennessee | 3 | $ 335,000 | $ 111,666 | $ 0 |
| Chilton, Alabama | 2 | $ 410,000 | $ 205,000 | $ 118,000 |
| Lee, Alabama | 2 | $ 410,000 | $ 205,000 | $ 81,000 |
| Walker, Alabama | 2 | $ 150,000 | $ 75,000 | $ 52,000 |
| DeSoto, Mississippi | 2 | $ 250,000 | $ 125,000 | $ 92,000 |
| Monroe, Mississippi | 2 | $ 190,000 | $ 95,000 | $ 27,000 |
| Tallahatchie, Mississippi | 2 | $ 130,000 | $ 65,000 | $ 51,000 |
| Lawrence, Tennessee | 2 | $ 220,000 | $ 110,000 | $ 69,000 |
| Maury, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 26,000 |
| Perry, Tennessee | 2 | $ 150,000 | $ 75,000 | $ 50,000 |
| Sevier, Tennessee | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Sumner, Tennessee | 2 | $ 470,000 | $ 235,000 | $ 81,000 |
| Wayne, Tennessee | 2 | $ 190,000 | $ 95,000 | $ 147,000 |
| Autauga, Alabama | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Bibb, Alabama | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Calhoun, Alabama | 1 | $ 365,000 | $ 365,000 | $ 471,000 |
| Coosa, Alabama | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Fayette, Alabama | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Macon, Alabama | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Mobile, Alabama | 1 | $ 315,000 | $ 315,000 | $ 182,000 |
| Sumter, Alabama | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Orange, Florida | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Cobb, Georgia | 1 | $ 345,000 | $ 345,000 | $ 280,000 |
| DeKalb, Georgia | 1 | $ 335,000 | $ 335,000 | $ 96,000 |
| Fulton, Georgia | 1 | $ 355,000 | $ 355,000 | $ 58,000 |
| Gwinnett, Georgia | 1 | $ 365,000 | $ 365,000 | $ 58,000 |
| Paulding, Georgia | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| Carroll, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Chickasaw, Mississippi | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Hancock, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Holmes, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Marshall, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Neshoba, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Panola, Mississippi | 1 | $ 625,000 | $ 625,000 | $ 1,000 |
| Pontotoc, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Sunflower, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Union, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Deschutes, Oregon | 1 | $ 355,000 | $ 355,000 | $ 161,000 |
| Bedford, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Cannon, Tennessee | 1 | $ 805,000 | $ 805,000 | $ 0 |
| DeKalb, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 43,000 |
| Dyer, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 324,000 |
| Fayette, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Haywood, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Tipton, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 177,000 |
| Chambers, Texas | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2021
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 | 656 | $121,730,000 | $185,000 | $905,000 | $96,000 | $1,353,000 |
| Refinancing | 452 | $67,980,000 | $150,000 | $5,155,000 | $89,000 | $369,000 |
| Cash-out Refinancing | 149 | $27,685,000 | $185,000 | $545,000 | $94,000 | $415,000 |
| Home Improvement | 43 | $2,475,000 | $57,000 | $215,000 | $67,000 | $554,000 |
| Other Purpose | 36 | $2,450,000 | $68,000 | $325,000 | $81,000 | $482,000 |
| 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 | 1,023 | $166,115,000 | $162,000 | $905,000 | $95,000 | $1,353,000 |
| Black or African American | 117 | $12,675,000 | $108,000 | $545,000 | $64,000 | $221,000 |
| Not applicable | 87 | $25,515,000 | $293,000 | $5,155,000 | $0 | $0 |
| Hispanic | 57 | $6,945,000 | $121,000 | $345,000 | $76,000 | $274,000 |
| Asian | 27 | $5,695,000 | $210,000 | $645,000 | $121,000 | $612,000 |
| Not Provided | 23 | $5,115,000 | $222,000 | $695,000 | $106,000 | $423,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $175,000 | $72,000 | $93,000 |
| 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) | 1,224 | $201,670,000 | $164,000 | $5,155,000 | $94,000 | $1,353,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,385,000 | $131,000 | $235,000 | $42,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 37 | $8,855,000 | $239,000 | $545,000 | $88,000 | $387,000 |
| FHA-insured (Federal Housing Administration) | 34 | $6,410,000 | $188,000 | $285,000 | $74,000 | $165,000 |
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 | 1,025 | $178,015,000 | $173,000 | $5,155,000 | $99,000 | $1,353,000 |
| Application Denied By Financial Institution | 148 | $21,940,000 | $148,000 | $645,000 | $58,000 | $221,000 |
| Application Withdrawn By Applicant | 100 | $16,040,000 | $160,000 | $625,000 | $81,000 | $319,000 |
| Application Approved But Not Accepted | 41 | $4,065,000 | $99,000 | $645,000 | $83,000 | $612,000 |
| File Closed For Incompleteness | 18 | $1,630,000 | $90,000 | $295,000 | $66,000 | $146,000 |
| Loan Purchased By The Institution | 4 | $630,000 | $157,000 | $335,000 | $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 | 1,188 | $200,380,000 | $168,000 | $5,155,000 | $96,000 | $1,353,000 |
| Credit History | 67 | $7,855,000 | $117,000 | $365,000 | $61,000 | $221,000 |
| Debt-To-Income Ratio | 58 | $10,150,000 | $175,000 | $645,000 | $53,000 | $173,000 |
| Collateral | 11 | $1,495,000 | $135,000 | $325,000 | $53,000 | $100,000 |
| Unverifiable Information | 6 | $1,270,000 | $211,000 | $305,000 | $83,000 | $133,000 |
| Other | 5 | $1,005,000 | $201,000 | $475,000 | $30,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $118,000 | $118,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2021 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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