Cb&S Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Cb&S Bank, Inc. 2021 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 | 1,336 |
| Total Mortgage Loan Application Amount | $222,320,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $5,155,000 |
| Average Applicant Income | $85,400 |
| Highest Applicant Income | $1,353,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Alabama | 166 | $ 18,420,000 | $ 110,000 | $ 79,000 |
| Madison County Alabama | 114 | $ 23,180,000 | $ 203,000 | $ 136,000 |
| Jefferson County Alabama | 63 | $ 15,515,000 | $ 246,000 | $ 102,000 |
| Morgan County Alabama | 63 | $ 10,725,000 | $ 170,000 | $ 114,000 |
| Colbert County Alabama | 52 | $ 7,890,000 | $ 151,000 | $ 89,000 |
| Alcorn County Mississippi | 52 | $ 7,680,000 | $ 147,000 | $ 68,000 |
| Shelby County Alabama | 51 | $ 12,985,000 | $ 254,000 | $ 106,000 |
| Lauderdale County Alabama | 39 | $ 6,835,000 | $ 175,000 | $ 122,000 |
| Coahoma County Mississippi | 39 | $ 5,695,000 | $ 146,000 | $ 99,000 |
| Lawrence County Alabama | 37 | $ 6,245,000 | $ 168,000 | $ 89,000 |
| Tippah County Mississippi | 36 | $ 2,850,000 | $ 79,000 | $ 67,000 |
| Elmore County Alabama | 35 | $ 6,705,000 | $ 191,000 | $ 117,000 |
| McNairy County Tennessee | 34 | $ 3,320,000 | $ 97,000 | $ 59,000 |
| Lincoln County Tennessee | 33 | $ 4,635,000 | $ 140,000 | $ 52,000 |
| Limestone County Alabama | 32 | $ 6,180,000 | $ 193,000 | $ 128,000 |
| Washington County Mississippi | 28 | $ 1,820,000 | $ 65,000 | $ 45,000 |
| Hardeman County Tennessee | 28 | $ 2,030,000 | $ 72,000 | $ 49,000 |
| Decatur County Tennessee | 27 | $ 2,465,000 | $ 91,000 | $ 54,000 |
| Hardin County Tennessee | 24 | $ 3,090,000 | $ 128,000 | $ 65,000 |
| Lee County Mississippi | 23 | $ 3,325,000 | $ 144,000 | $ 129,000 |
| Marshall County Tennessee | 21 | $ 3,625,000 | $ 172,000 | $ 84,000 |
| Giles County Tennessee | 20 | $ 3,170,000 | $ 158,000 | $ 79,000 |
| Lewis County Tennessee | 18 | $ 1,350,000 | $ 75,000 | $ 66,000 |
| Tishomingo County Mississippi | 17 | $ 1,855,000 | $ 109,000 | $ 61,000 |
| Itawamba County Mississippi | 16 | $ 2,090,000 | $ 130,000 | $ 68,000 |
| Leflore County Mississippi | 16 | $ 1,370,000 | $ 85,000 | $ 107,000 |
| Montgomery County Alabama | 14 | $ 2,370,000 | $ 169,000 | $ 141,000 |
| St. Clair County Alabama | 13 | $ 3,135,000 | $ 241,000 | $ 95,000 |
| Winston County Alabama | 13 | $ 2,265,000 | $ 174,000 | $ 92,000 |
| Webster County Mississippi | 11 | $ 1,005,000 | $ 91,000 | $ 52,000 |
| Cullman County Alabama | 10 | $ 2,830,000 | $ 283,000 | $ 117,000 |
| Tuscaloosa County Alabama | 10 | $ 8,070,000 | $ 807,000 | $ 137,000 |
| Blount County Alabama | 9 | $ 1,695,000 | $ 188,000 | $ 59,000 |
| Marion County Alabama | 9 | $ 1,165,000 | $ 129,000 | $ 93,000 |
| Oktibbeha County Mississippi | 9 | $ 1,085,000 | $ 120,000 | $ 128,000 |
| Henderson County Tennessee | 8 | $ 750,000 | $ 93,000 | $ 59,000 |
| Prentiss County Mississippi | 7 | $ 1,045,000 | $ 149,000 | $ 74,000 |
| Rutherford County Tennessee | 7 | $ 2,325,000 | $ 332,000 | $ 131,000 |
| Jackson County Alabama | 6 | $ 2,040,000 | $ 340,000 | $ 151,000 |
| Tallapoosa County Alabama | 6 | $ 1,190,000 | $ 198,000 | $ 217,000 |
| Davidson County Tennessee | 6 | $ 4,250,000 | $ 708,000 | $ 84,000 |
| Baldwin County Alabama | 5 | $ 1,915,000 | $ 383,000 | $ 106,000 |
| Walton County Florida | 5 | $ 1,385,000 | $ 277,000 | $ 372,000 |
| Choctaw County Mississippi | 5 | $ 285,000 | $ 57,000 | $ 38,000 |
| Chester County Tennessee | 5 | $ 645,000 | $ 129,000 | $ 74,000 |
| Talladega County Alabama | 4 | $ 590,000 | $ 147,000 | $ 90,000 |
| Lowndes County Mississippi | 4 | $ 600,000 | $ 150,000 | $ 48,000 |
| Madison County Tennessee | 4 | $ 370,000 | $ 92,000 | $ 58,000 |
| Shelby County Tennessee | 4 | $ 820,000 | $ 205,000 | $ 58,000 |
| Marshall County Alabama | 3 | $ 425,000 | $ 141,000 | $ 44,000 |
| Bay County Florida | 3 | $ 485,000 | $ 161,000 | $ 90,000 |
| Bolivar County Mississippi | 3 | $ 1,245,000 | $ 415,000 | $ 133,000 |
| Franklin County Tennessee | 3 | $ 545,000 | $ 181,000 | $ 151,000 |
| Williamson County Tennessee | 3 | $ 925,000 | $ 308,000 | $ 180,000 |
| Wilson County Tennessee | 3 | $ 335,000 | $ 111,000 | $ 0 |
| Chilton County Alabama | 2 | $ 410,000 | $ 205,000 | $ 118,000 |
| Lee County Alabama | 2 | $ 410,000 | $ 205,000 | $ 81,000 |
| Walker County Alabama | 2 | $ 150,000 | $ 75,000 | $ 52,000 |
| DeSoto County Mississippi | 2 | $ 250,000 | $ 125,000 | $ 92,000 |
| Monroe County Mississippi | 2 | $ 190,000 | $ 95,000 | $ 27,000 |
| Tallahatchie County Mississippi | 2 | $ 130,000 | $ 65,000 | $ 51,000 |
| Lawrence County Tennessee | 2 | $ 220,000 | $ 110,000 | $ 69,000 |
| Maury County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 26,000 |
| Perry County Tennessee | 2 | $ 150,000 | $ 75,000 | $ 50,000 |
| Sevier County Tennessee | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Sumner County Tennessee | 2 | $ 470,000 | $ 235,000 | $ 81,000 |
| Wayne County Tennessee | 2 | $ 190,000 | $ 95,000 | $ 147,000 |
| Autauga County Alabama | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Bibb County Alabama | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Calhoun County Alabama | 1 | $ 365,000 | $ 365,000 | $ 471,000 |
| Coosa County Alabama | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Fayette County Alabama | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Macon County Alabama | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Mobile County Alabama | 1 | $ 315,000 | $ 315,000 | $ 182,000 |
| Sumter County Alabama | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Orange County Florida | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Cobb County Georgia | 1 | $ 345,000 | $ 345,000 | $ 280,000 |
| DeKalb County Georgia | 1 | $ 335,000 | $ 335,000 | $ 96,000 |
| Fulton County Georgia | 1 | $ 355,000 | $ 355,000 | $ 58,000 |
| Gwinnett County Georgia | 1 | $ 365,000 | $ 365,000 | $ 58,000 |
| Paulding County Georgia | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| Carroll County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Chickasaw County Mississippi | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Hancock County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Holmes County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Marshall County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Neshoba County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Panola County Mississippi | 1 | $ 625,000 | $ 625,000 | $ 1,000 |
| Pontotoc County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Sunflower County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Union County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Deschutes County Oregon | 1 | $ 355,000 | $ 355,000 | $ 161,000 |
| Bedford County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Cannon County Tennessee | 1 | $ 805,000 | $ 805,000 | $ 0 |
| DeKalb County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 43,000 |
| Dyer County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 324,000 |
| Fayette County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Haywood County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Tipton County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 177,000 |
| Chambers County Texas | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank, Inc. 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, Inc.'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, 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.