Cb&S Bank Mortgage Lending & HMDA Data, 2022
In 2022, Cb&S Bank of Russellville, AL reported 1,449 mortgage applications totaling $273.6 million, up 8% from 2021. The average application was for $188,816, and applicants reported an average income of $110,765. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Huntsville, AL (180), Florence-Muscle Shoals, AL (112) and Decatur, AL (87) (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 | 1,449 |
| Total Mortgage Loan Application Amount | $273,595,000 |
| Average Mortgage Loan Application Amount | $188,816 |
| Highest Mortgage Loan Application Amount | $14,755,000 |
| Average Applicant Income | $110,765 |
| Highest Applicant Income | $5,149,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 193 | $ 15,925,000 | $ 82,512 | $ 65,000 |
| Madison, Alabama | 139 | $ 30,365,000 | $ 218,453 | $ 137,000 |
| Colbert, Alabama | 74 | $ 8,240,000 | $ 111,351 | $ 81,000 |
| Alcorn, Mississippi | 57 | $ 7,665,000 | $ 134,473 | $ 79,000 |
| Morgan, Alabama | 46 | $ 8,600,000 | $ 186,956 | $ 111,000 |
| McNairy, Tennessee | 46 | $ 3,860,000 | $ 83,913 | $ 73,000 |
| Lawrence, Alabama | 41 | $ 4,565,000 | $ 111,341 | $ 104,000 |
| Limestone, Alabama | 41 | $ 11,855,000 | $ 289,146 | $ 140,000 |
| Lauderdale, Alabama | 38 | $ 10,910,000 | $ 287,105 | $ 113,000 |
| Marshall, Tennessee | 37 | $ 4,735,000 | $ 127,972 | $ 83,000 |
| Lincoln, Tennessee | 36 | $ 7,320,000 | $ 203,333 | $ 120,000 |
| Montgomery, Alabama | 35 | $ 5,255,000 | $ 150,142 | $ 139,000 |
| Lee, Mississippi | 35 | $ 3,615,000 | $ 103,285 | $ 99,000 |
| Elmore, Alabama | 34 | $ 7,130,000 | $ 209,705 | $ 222,000 |
| Tishomingo, Mississippi | 29 | $ 2,575,000 | $ 88,793 | $ 65,000 |
| Decatur, Tennessee | 29 | $ 2,575,000 | $ 88,793 | $ 64,000 |
| Giles, Tennessee | 29 | $ 2,595,000 | $ 89,482 | $ 71,000 |
| Coahoma, Mississippi | 28 | $ 2,680,000 | $ 95,714 | $ 89,000 |
| Jefferson, Alabama | 27 | $ 8,855,000 | $ 327,962 | $ 121,000 |
| Hardeman, Tennessee | 27 | $ 2,865,000 | $ 106,111 | $ 59,000 |
| Hardin, Tennessee | 27 | $ 2,285,000 | $ 84,629 | $ 107,000 |
| Tuscaloosa, Alabama | 24 | $ 33,380,000 | $ 1,390,833 | $ 274,000 |
| Washington, Mississippi | 23 | $ 1,425,000 | $ 61,956 | $ 57,000 |
| Tippah, Mississippi | 22 | $ 1,760,000 | $ 80,000 | $ 65,000 |
| Shelby, Alabama | 19 | $ 6,195,000 | $ 326,052 | $ 251,000 |
| Lewis, Tennessee | 19 | $ 1,775,000 | $ 93,421 | $ 78,000 |
| Itawamba, Mississippi | 18 | $ 2,000,000 | $ 111,111 | $ 120,000 |
| Henderson, Tennessee | 18 | $ 2,240,000 | $ 124,444 | $ 72,000 |
| Marion, Alabama | 17 | $ 1,765,000 | $ 103,823 | $ 87,000 |
| Marshall, Alabama | 15 | $ 3,225,000 | $ 215,000 | $ 113,000 |
| Leflore, Mississippi | 15 | $ 855,000 | $ 57,000 | $ 62,000 |
| Oktibbeha, Mississippi | 14 | $ 1,750,000 | $ 125,000 | $ 96,000 |
| Webster, Mississippi | 13 | $ 985,000 | $ 75,769 | $ 57,000 |
| Rutherford, Tennessee | 13 | $ 8,105,000 | $ 623,461 | $ 882,000 |
| Lee, Alabama | 11 | $ 3,345,000 | $ 304,090 | $ 399,000 |
| Blount, Alabama | 8 | $ 1,410,000 | $ 176,250 | $ 66,000 |
| Tallapoosa, Alabama | 8 | $ 1,220,000 | $ 152,500 | $ 327,000 |
| Davidson, Tennessee | 8 | $ 3,220,000 | $ 402,500 | $ 347,000 |
| Autauga, Alabama | 7 | $ 915,000 | $ 130,714 | $ 73,000 |
| Winston, Alabama | 6 | $ 620,000 | $ 103,333 | $ 117,000 |
| Walton, Florida | 6 | $ 18,280,000 | $ 3,046,666 | $ 288,000 |
| Williamson, Tennessee | 6 | $ 3,190,000 | $ 531,666 | $ 431,000 |
| Cullman, Alabama | 5 | $ 1,675,000 | $ 335,000 | $ 205,000 |
| Jackson, Alabama | 5 | $ 745,000 | $ 149,000 | $ 206,000 |
| Choctaw, Mississippi | 5 | $ 195,000 | $ 39,000 | $ 95,000 |
| Shelby, Tennessee | 5 | $ 625,000 | $ 125,000 | $ 101,000 |
| Baldwin, Alabama | 4 | $ 900,000 | $ 225,000 | $ 196,000 |
| Lawrence, Tennessee | 4 | $ 730,000 | $ 182,500 | $ 119,000 |
| Macon, Alabama | 3 | $ 275,000 | $ 91,666 | $ 78,000 |
| Fulton, Georgia | 3 | $ 995,000 | $ 331,666 | $ 324,000 |
| Benton, Mississippi | 3 | $ 365,000 | $ 121,666 | $ 65,000 |
| Carroll, Mississippi | 3 | $ 135,000 | $ 45,000 | $ 154,000 |
| Prentiss, Mississippi | 3 | $ 405,000 | $ 135,000 | $ 116,000 |
| Chester, Tennessee | 3 | $ 405,000 | $ 135,000 | $ 60,000 |
| Madison, Tennessee | 3 | $ 785,000 | $ 261,666 | $ 63,000 |
| Pike, Alabama | 2 | $ 70,000 | $ 35,000 | $ 38,000 |
| St. Clair, Alabama | 2 | $ 380,000 | $ 190,000 | $ 101,000 |
| Talladega, Alabama | 2 | $ 1,500,000 | $ 750,000 | $ 259,000 |
| Walker, Alabama | 2 | $ 820,000 | $ 410,000 | $ 121,000 |
| Bolivar, Mississippi | 2 | $ 140,000 | $ 70,000 | $ 69,000 |
| Grenada, Mississippi | 2 | $ 390,000 | $ 195,000 | $ 77,000 |
| Lafayette, Mississippi | 2 | $ 620,000 | $ 310,000 | $ 97,000 |
| Sunflower, Mississippi | 2 | $ 60,000 | $ 30,000 | $ 62,000 |
| Bedford, Tennessee | 2 | $ 330,000 | $ 165,000 | $ 37,000 |
| Carroll, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 34,000 |
| Dyer, Tennessee | 2 | $ 510,000 | $ 255,000 | $ 436,000 |
| Fayette, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Maury, Tennessee | 2 | $ 1,010,000 | $ 505,000 | $ 76,000 |
| Sevier, Tennessee | 2 | $ 760,000 | $ 380,000 | $ 234,000 |
| Wayne, Tennessee | 2 | $ 170,000 | $ 85,000 | $ 33,000 |
| Bibb, Alabama | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Chilton, Alabama | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Lowndes, Alabama | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Desha, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Pulaski, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Bay, Florida | 1 | $ 135,000 | $ 135,000 | $ 165,000 |
| Gulf, Florida | 1 | $ 385,000 | $ 385,000 | $ 159,000 |
| Okaloosa, Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Polk, Florida | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Coweta, Georgia | 1 | $ 245,000 | $ 245,000 | $ 191,000 |
| Williamson, Illinois | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Fayette, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Calhoun, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Chickasaw, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| DeSoto, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Holmes, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 121,000 |
| Leake, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Lincoln, Mississippi | 1 | $ 275,000 | $ 275,000 | $ 87,000 |
| Monroe, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Neshoba, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| Panola, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Pontotoc, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Sharkey, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Union, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Tulsa, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 199,000 |
| Franklin, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Humphreys, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 187,000 |
| Knox, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Moore, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Perry, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Tipton, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 106,000 |
| Wilson, Tennessee | 1 | $ 715,000 | $ 715,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2022
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 | 635 | $167,825,000 | $264,000 | $14,755,000 | $106,000 | $1,114,000 |
| Refinancing | 381 | $65,565,000 | $172,000 | $12,515,000 | $117,000 | $5,149,000 |
| Home Improvement | 224 | $16,430,000 | $73,000 | $755,000 | $134,000 | $1,830,000 |
| Other Purpose | 150 | $11,990,000 | $79,000 | $585,000 | $87,000 | $443,000 |
| Cash-out Refinancing | 59 | $11,785,000 | $199,000 | $645,000 | $94,000 | $949,000 |
| 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 | 1,075 | $162,045,000 | $150,000 | $1,705,000 | $116,000 | $5,149,000 |
| Not applicable | 126 | $82,660,000 | $656,000 | $14,755,000 | $0 | $0 |
| Black or African American | 123 | $11,245,000 | $91,000 | $645,000 | $68,000 | $350,000 |
| Hispanic | 74 | $6,130,000 | $82,000 | $525,000 | $57,000 | $159,000 |
| Asian | 24 | $6,280,000 | $261,000 | $755,000 | $296,000 | $1,114,000 |
| Not Provided | 21 | $4,175,000 | $198,000 | $905,000 | $109,000 | $346,000 |
| American Indian or Alaskan Native | 4 | $790,000 | $197,000 | $375,000 | $52,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $55,000 | $55,000 |
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) | 1,374 | $259,950,000 | $189,000 | $14,755,000 | $114,000 | $5,149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $5,325,000 | $152,000 | $235,000 | $52,000 | $94,000 |
| FHA-insured (Federal Housing Administration) | 29 | $5,135,000 | $177,000 | $405,000 | $59,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 11 | $3,185,000 | $289,000 | $645,000 | $92,000 | $187,000 |
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 | 1,015 | $199,815,000 | $196,000 | $12,515,000 | $126,000 | $5,149,000 |
| Application Denied By Financial Institution | 205 | $22,375,000 | $109,000 | $705,000 | $66,000 | $731,000 |
| Application Withdrawn By Applicant | 181 | $45,695,000 | $252,000 | $14,755,000 | $93,000 | $880,000 |
| Application Approved But Not Accepted | 35 | $4,085,000 | $116,000 | $505,000 | $99,000 | $540,000 |
| File Closed For Incompleteness | 12 | $1,260,000 | $105,000 | $545,000 | $53,000 | $114,000 |
| Loan Purchased By The Institution | 1 | $365,000 | $365,000 | $365,000 | $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 | 877 | $184,295,000 | $210,000 | $12,515,000 | $98,000 | $949,000 |
| Debt-To-Income Ratio | 474 | $77,800,000 | $164,000 | $14,755,000 | $143,000 | $5,149,000 |
| Credit History | 67 | $7,155,000 | $106,000 | $705,000 | $61,000 | $731,000 |
| Collateral | 10 | $1,470,000 | $147,000 | $405,000 | $72,000 | $207,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,310,000 | $163,000 | $605,000 | $90,000 | $347,000 |
| Other | 6 | $690,000 | $115,000 | $165,000 | $73,000 | $168,000 |
| Unverifiable Information | 3 | $415,000 | $138,000 | $265,000 | $45,000 | $75,000 |
| Credit Application Incomplete | 2 | $210,000 | $105,000 | $115,000 | $82,000 | $96,000 |
| Employment History | 2 | $250,000 | $125,000 | $215,000 | $56,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2022 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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