Cb&S Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Cb&S Bank, Inc. 2022 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 | 1,449 |
| Total Mortgage Loan Application Amount | $273,595,000 |
| Average Mortgage Loan Application Amount | $157,400 |
| Highest Mortgage Loan Application Amount | $14,755,000 |
| Average Applicant Income | $107,600 |
| Highest Applicant Income | $5,149,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 193 | $ 15,925,000 | $ 82,000 | $ 65,000 |
| Madison County Alabama | 139 | $ 30,365,000 | $ 218,000 | $ 137,000 |
| Colbert County Alabama | 74 | $ 8,240,000 | $ 111,000 | $ 81,000 |
| Alcorn County Mississippi | 57 | $ 7,665,000 | $ 134,000 | $ 79,000 |
| Morgan County Alabama | 46 | $ 8,600,000 | $ 186,000 | $ 111,000 |
| McNairy County Tennessee | 46 | $ 3,860,000 | $ 83,000 | $ 73,000 |
| Lawrence County Alabama | 41 | $ 4,565,000 | $ 111,000 | $ 104,000 |
| Limestone County Alabama | 41 | $ 11,855,000 | $ 289,000 | $ 140,000 |
| Lauderdale County Alabama | 38 | $ 10,910,000 | $ 287,000 | $ 113,000 |
| Marshall County Tennessee | 37 | $ 4,735,000 | $ 127,000 | $ 83,000 |
| Lincoln County Tennessee | 36 | $ 7,320,000 | $ 203,000 | $ 120,000 |
| Montgomery County Alabama | 35 | $ 5,255,000 | $ 150,000 | $ 139,000 |
| Lee County Mississippi | 35 | $ 3,615,000 | $ 103,000 | $ 99,000 |
| Elmore County Alabama | 34 | $ 7,130,000 | $ 209,000 | $ 222,000 |
| Tishomingo County Mississippi | 29 | $ 2,575,000 | $ 88,000 | $ 65,000 |
| Decatur County Tennessee | 29 | $ 2,575,000 | $ 88,000 | $ 64,000 |
| Giles County Tennessee | 29 | $ 2,595,000 | $ 89,000 | $ 71,000 |
| Coahoma County Mississippi | 28 | $ 2,680,000 | $ 95,000 | $ 89,000 |
| Jefferson County Alabama | 27 | $ 8,855,000 | $ 327,000 | $ 121,000 |
| Hardeman County Tennessee | 27 | $ 2,865,000 | $ 106,000 | $ 59,000 |
| Hardin County Tennessee | 27 | $ 2,285,000 | $ 84,000 | $ 107,000 |
| Tuscaloosa County Alabama | 24 | $ 33,380,000 | $ 1,390,000 | $ 274,000 |
| Washington County Mississippi | 23 | $ 1,425,000 | $ 61,000 | $ 57,000 |
| Tippah County Mississippi | 22 | $ 1,760,000 | $ 80,000 | $ 65,000 |
| Shelby County Alabama | 19 | $ 6,195,000 | $ 326,000 | $ 251,000 |
| Lewis County Tennessee | 19 | $ 1,775,000 | $ 93,000 | $ 78,000 |
| Itawamba County Mississippi | 18 | $ 2,000,000 | $ 111,000 | $ 120,000 |
| Henderson County Tennessee | 18 | $ 2,240,000 | $ 124,000 | $ 72,000 |
| Marion County Alabama | 17 | $ 1,765,000 | $ 103,000 | $ 87,000 |
| Marshall County Alabama | 15 | $ 3,225,000 | $ 215,000 | $ 113,000 |
| Leflore County Mississippi | 15 | $ 855,000 | $ 57,000 | $ 62,000 |
| Oktibbeha County Mississippi | 14 | $ 1,750,000 | $ 125,000 | $ 96,000 |
| Webster County Mississippi | 13 | $ 985,000 | $ 75,000 | $ 57,000 |
| Rutherford County Tennessee | 13 | $ 8,105,000 | $ 623,000 | $ 882,000 |
| Lee County Alabama | 11 | $ 3,345,000 | $ 304,000 | $ 399,000 |
| Blount County Alabama | 8 | $ 1,410,000 | $ 176,000 | $ 66,000 |
| Tallapoosa County Alabama | 8 | $ 1,220,000 | $ 152,000 | $ 327,000 |
| Davidson County Tennessee | 8 | $ 3,220,000 | $ 402,000 | $ 347,000 |
| Autauga County Alabama | 7 | $ 915,000 | $ 130,000 | $ 73,000 |
| Winston County Alabama | 6 | $ 620,000 | $ 103,000 | $ 117,000 |
| Walton County Florida | 6 | $ 18,280,000 | $ 3,046,000 | $ 288,000 |
| Williamson County Tennessee | 6 | $ 3,190,000 | $ 531,000 | $ 431,000 |
| Cullman County Alabama | 5 | $ 1,675,000 | $ 335,000 | $ 205,000 |
| Jackson County Alabama | 5 | $ 745,000 | $ 149,000 | $ 206,000 |
| Choctaw County Mississippi | 5 | $ 195,000 | $ 39,000 | $ 95,000 |
| Shelby County Tennessee | 5 | $ 625,000 | $ 125,000 | $ 101,000 |
| Baldwin County Alabama | 4 | $ 900,000 | $ 225,000 | $ 196,000 |
| Lawrence County Tennessee | 4 | $ 730,000 | $ 182,000 | $ 119,000 |
| Macon County Alabama | 3 | $ 275,000 | $ 91,000 | $ 78,000 |
| Fulton County Georgia | 3 | $ 995,000 | $ 331,000 | $ 324,000 |
| Benton County Mississippi | 3 | $ 365,000 | $ 121,000 | $ 65,000 |
| Carroll County Mississippi | 3 | $ 135,000 | $ 45,000 | $ 154,000 |
| Prentiss County Mississippi | 3 | $ 405,000 | $ 135,000 | $ 116,000 |
| Chester County Tennessee | 3 | $ 405,000 | $ 135,000 | $ 60,000 |
| Madison County Tennessee | 3 | $ 785,000 | $ 261,000 | $ 63,000 |
| Pike County Alabama | 2 | $ 70,000 | $ 35,000 | $ 38,000 |
| St. Clair County Alabama | 2 | $ 380,000 | $ 190,000 | $ 101,000 |
| Talladega County Alabama | 2 | $ 1,500,000 | $ 750,000 | $ 259,000 |
| Walker County Alabama | 2 | $ 820,000 | $ 410,000 | $ 121,000 |
| Bolivar County Mississippi | 2 | $ 140,000 | $ 70,000 | $ 69,000 |
| Grenada County Mississippi | 2 | $ 390,000 | $ 195,000 | $ 77,000 |
| Lafayette County Mississippi | 2 | $ 620,000 | $ 310,000 | $ 97,000 |
| Sunflower County Mississippi | 2 | $ 60,000 | $ 30,000 | $ 62,000 |
| Bedford County Tennessee | 2 | $ 330,000 | $ 165,000 | $ 37,000 |
| Carroll County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 34,000 |
| Dyer County Tennessee | 2 | $ 510,000 | $ 255,000 | $ 436,000 |
| Fayette County Tennessee | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Maury County Tennessee | 2 | $ 1,010,000 | $ 505,000 | $ 76,000 |
| Sevier County Tennessee | 2 | $ 760,000 | $ 380,000 | $ 234,000 |
| Wayne County Tennessee | 2 | $ 170,000 | $ 85,000 | $ 33,000 |
| Bibb County Alabama | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Chilton County Alabama | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Lowndes County Alabama | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Desha County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Pulaski County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Bay County Florida | 1 | $ 135,000 | $ 135,000 | $ 165,000 |
| Gulf County Florida | 1 | $ 385,000 | $ 385,000 | $ 159,000 |
| Okaloosa County Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Polk County Florida | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Coweta County Georgia | 1 | $ 245,000 | $ 245,000 | $ 191,000 |
| Williamson County Illinois | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Fayette County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Calhoun County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Chickasaw County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| DeSoto County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Holmes County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 121,000 |
| Leake County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Lincoln County Mississippi | 1 | $ 275,000 | $ 275,000 | $ 87,000 |
| Monroe County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Neshoba County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| Panola County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Pontotoc County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Sharkey County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Union County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Tulsa County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 199,000 |
| Franklin County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Humphreys County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 187,000 |
| Knox County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Moore County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Perry County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Tipton County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 106,000 |
| Wilson County Tennessee | 1 | $ 715,000 | $ 715,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cb&S Bank, Inc. 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, Inc.'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, 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.
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with aggregated HMDA statistics today.