Cb&S Bank Mortgage Lending & HMDA Data, 2023
In 2023, Cb&S Bank of Russellville, AL reported 1,211 mortgage applications totaling $244.8 million, down 16% from 2022. The average application was for $202,167, and applicants reported an average income of $124,400. 69% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Huntsville, AL (160), Florence-Muscle Shoals, AL (101) and Decatur, AL (78) (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 | 1,211 |
| Total Mortgage Loan Application Amount | $244,825,000 |
| Average Mortgage Loan Application Amount | $202,167 |
| Highest Mortgage Loan Application Amount | $12,755,000 |
| Average Applicant Income | $124,400 |
| Highest Applicant Income | $3,481,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 175 | $ 16,425,000 | $ 93,857 | $ 90,000 |
| Madison, Alabama | 113 | $ 25,265,000 | $ 223,584 | $ 151,000 |
| Colbert, Alabama | 61 | $ 8,635,000 | $ 141,557 | $ 98,000 |
| Alcorn, Mississippi | 51 | $ 6,215,000 | $ 121,862 | $ 90,000 |
| Limestone, Alabama | 47 | $ 16,345,000 | $ 347,765 | $ 169,000 |
| Lauderdale, Alabama | 40 | $ 14,720,000 | $ 368,000 | $ 107,000 |
| Lawrence, Alabama | 40 | $ 5,010,000 | $ 125,250 | $ 81,000 |
| McNairy, Tennessee | 39 | $ 3,535,000 | $ 90,641 | $ 100,000 |
| Morgan, Alabama | 38 | $ 7,310,000 | $ 192,368 | $ 113,000 |
| Coahoma, Mississippi | 33 | $ 3,395,000 | $ 102,878 | $ 115,000 |
| Lincoln, Tennessee | 32 | $ 4,550,000 | $ 142,187 | $ 101,000 |
| Leflore, Mississippi | 31 | $ 2,165,000 | $ 69,838 | $ 131,000 |
| Decatur, Tennessee | 28 | $ 2,910,000 | $ 103,928 | $ 71,000 |
| Hardin, Tennessee | 28 | $ 3,430,000 | $ 122,500 | $ 72,000 |
| Lee, Mississippi | 24 | $ 4,880,000 | $ 203,333 | $ 279,000 |
| Elmore, Alabama | 23 | $ 5,345,000 | $ 232,391 | $ 105,000 |
| Hardeman, Tennessee | 23 | $ 2,295,000 | $ 99,782 | $ 64,000 |
| Tippah, Mississippi | 22 | $ 1,410,000 | $ 64,090 | $ 52,000 |
| Marion, Alabama | 20 | $ 1,490,000 | $ 74,500 | $ 92,000 |
| Tishomingo, Mississippi | 19 | $ 1,915,000 | $ 100,789 | $ 95,000 |
| Tuscaloosa, Alabama | 18 | $ 31,490,000 | $ 1,749,444 | $ 365,000 |
| Montgomery, Alabama | 17 | $ 2,165,000 | $ 127,352 | $ 122,000 |
| Washington, Mississippi | 17 | $ 855,000 | $ 50,294 | $ 67,000 |
| Giles, Tennessee | 17 | $ 1,665,000 | $ 97,941 | $ 83,000 |
| Jefferson, Alabama | 16 | $ 4,570,000 | $ 285,625 | $ 283,000 |
| Webster, Mississippi | 15 | $ 1,135,000 | $ 75,666 | $ 65,000 |
| Lewis, Tennessee | 14 | $ 2,260,000 | $ 161,428 | $ 116,000 |
| Itawamba, Mississippi | 13 | $ 1,305,000 | $ 100,384 | $ 52,000 |
| Shelby, Alabama | 12 | $ 3,790,000 | $ 315,833 | $ 204,000 |
| Tallapoosa, Alabama | 12 | $ 3,080,000 | $ 256,666 | $ 237,000 |
| Henderson, Tennessee | 12 | $ 1,000,000 | $ 83,333 | $ 52,000 |
| Rutherford, Tennessee | 10 | $ 2,980,000 | $ 298,000 | $ 151,000 |
| Cullman, Alabama | 9 | $ 2,985,000 | $ 331,666 | $ 182,000 |
| Marshall, Tennessee | 9 | $ 925,000 | $ 102,777 | $ 76,000 |
| Davidson, Tennessee | 8 | $ 2,220,000 | $ 277,500 | $ 114,000 |
| Williamson, Tennessee | 8 | $ 7,470,000 | $ 933,750 | $ 788,000 |
| Lee, Alabama | 7 | $ 1,545,000 | $ 220,714 | $ 292,000 |
| Oktibbeha, Mississippi | 7 | $ 13,145,000 | $ 1,877,857 | $ 121,000 |
| Marshall, Alabama | 6 | $ 1,190,000 | $ 198,333 | $ 92,000 |
| Winston, Alabama | 5 | $ 395,000 | $ 79,000 | $ 58,000 |
| Baldwin, Alabama | 4 | $ 1,080,000 | $ 270,000 | $ 166,000 |
| Walton, Florida | 4 | $ 1,560,000 | $ 390,000 | $ 355,000 |
| Madison, Tennessee | 4 | $ 760,000 | $ 190,000 | $ 235,000 |
| Autauga, Alabama | 3 | $ 635,000 | $ 211,666 | $ 164,000 |
| Benton, Mississippi | 3 | $ 165,000 | $ 55,000 | $ 64,000 |
| Choctaw, Mississippi | 3 | $ 95,000 | $ 31,666 | $ 48,000 |
| DeSoto, Mississippi | 3 | $ 625,000 | $ 208,333 | $ 124,000 |
| Bedford, Tennessee | 3 | $ 505,000 | $ 168,333 | $ 64,000 |
| Maury, Tennessee | 3 | $ 2,565,000 | $ 855,000 | $ 1,235,000 |
| Chilton, Alabama | 2 | $ 220,000 | $ 110,000 | $ 78,000 |
| DeKalb, Alabama | 2 | $ 320,000 | $ 160,000 | $ 136,000 |
| Macon, Alabama | 2 | $ 70,000 | $ 35,000 | $ 115,000 |
| Fulton, Georgia | 2 | $ 500,000 | $ 250,000 | $ 316,000 |
| Bolivar, Mississippi | 2 | $ 110,000 | $ 55,000 | $ 123,000 |
| Carroll, Mississippi | 2 | $ 200,000 | $ 100,000 | $ 212,000 |
| Pontotoc, Mississippi | 2 | $ 90,000 | $ 45,000 | $ 36,000 |
| Prentiss, Mississippi | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Sharkey, Mississippi | 2 | $ 100,000 | $ 50,000 | $ 20,000 |
| Cannon, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 209,000 |
| Chester, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 234,000 |
| Lawrence, Tennessee | 2 | $ 120,000 | $ 60,000 | $ 74,000 |
| Shelby, Tennessee | 2 | $ 570,000 | $ 285,000 | $ 72,000 |
| Wilson, Tennessee | 2 | $ 3,320,000 | $ 1,660,000 | $ 104,000 |
| Bibb, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Blount, Alabama | 1 | $ 485,000 | $ 485,000 | $ 185,000 |
| Bullock, Alabama | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Coosa, Alabama | 1 | $ 475,000 | $ 475,000 | $ 306,000 |
| Jackson, Alabama | 1 | $ 255,000 | $ 255,000 | $ 234,000 |
| Lamar, Alabama | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Mobile, Alabama | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Pickens, Alabama | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Talladega, Alabama | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Walker, Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Bay, Florida | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Manatee, Florida | 1 | $ 535,000 | $ 535,000 | $ 150,000 |
| St. Johns, Florida | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Grenada, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Hinds, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Humphreys, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 276,000 |
| Quitman, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Rankin, Mississippi | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Sunflower, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Tallahatchie, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Tate, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Yalobusha, Mississippi | 1 | $ 365,000 | $ 365,000 | $ 327,000 |
| Forsyth, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 146,000 |
| Yancey, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 509,000 |
| Greenville, South Carolina | 1 | $ 415,000 | $ 415,000 | $ 275,000 |
| Benton, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Carroll, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Fayette, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
| Gibson, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Haywood, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Marion, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 182,000 |
| Perry, Tennessee | 1 | $ 5,000 | $ 5,000 | $ 87,000 |
| Warren, Tennessee | 1 | $ 435,000 | $ 435,000 | $ 406,000 |
| Wayne, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 156,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2023
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 | 533 | $151,055,000 | $283,000 | $12,755,000 | $139,000 | $3,481,000 |
| Refinancing | 260 | $60,280,000 | $231,000 | $12,515,000 | $120,000 | $1,488,000 |
| Home Improvement | 212 | $15,290,000 | $72,000 | $1,205,000 | $102,000 | $430,000 |
| Other Purpose | 179 | $14,395,000 | $80,000 | $1,005,000 | $121,000 | $1,216,000 |
| Cash-out Refinancing | 27 | $3,805,000 | $140,000 | $355,000 | $77,000 | $311,000 |
| 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 | 895 | $137,265,000 | $153,000 | $2,005,000 | $128,000 | $3,481,000 |
| Black or African American | 115 | $11,935,000 | $103,000 | $525,000 | $85,000 | $507,000 |
| Not applicable | 100 | $77,270,000 | $772,000 | $12,755,000 | $0 | $0 |
| Hispanic | 61 | $7,615,000 | $124,000 | $625,000 | $92,000 | $541,000 |
| Not Provided | 24 | $5,560,000 | $231,000 | $865,000 | $181,000 | $1,093,000 |
| Asian | 13 | $4,835,000 | $371,000 | $1,305,000 | $245,000 | $730,000 |
| American Indian or Alaskan Native | 3 | $345,000 | $115,000 | $165,000 | $62,000 | $81,000 |
| 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) | 1,130 | $225,420,000 | $199,000 | $12,755,000 | $127,000 | $3,481,000 |
| FHA-insured (Federal Housing Administration) | 36 | $6,480,000 | $180,000 | $445,000 | $64,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 24 | $10,320,000 | $430,000 | $725,000 | $135,000 | $248,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,605,000 | $124,000 | $185,000 | $49,000 | $85,000 |
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 | 831 | $169,145,000 | $203,000 | $12,515,000 | $138,000 | $3,481,000 |
| Application Denied By Financial Institution | 180 | $44,280,000 | $246,000 | $12,755,000 | $72,000 | $375,000 |
| Application Withdrawn By Applicant | 150 | $21,930,000 | $146,000 | $605,000 | $100,000 | $550,000 |
| Application Approved But Not Accepted | 36 | $6,410,000 | $178,000 | $725,000 | $171,000 | $1,340,000 |
| File Closed For Incompleteness | 14 | $3,060,000 | $218,000 | $1,205,000 | $147,000 | $483,000 |
| 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 | 642 | $136,700,000 | $212,000 | $12,515,000 | $122,000 | $2,715,000 |
| Debt-To-Income Ratio | 495 | $86,165,000 | $174,000 | $12,755,000 | $134,000 | $3,481,000 |
| Credit History | 51 | $3,585,000 | $70,000 | $355,000 | $64,000 | $294,000 |
| Collateral | 11 | $3,895,000 | $354,000 | $3,005,000 | $79,000 | $203,000 |
| Other | 6 | $13,380,000 | $2,230,000 | $12,515,000 | $74,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $615,000 | $205,000 | $265,000 | $79,000 | $112,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $24,000 | $24,000 |
| Employment History | 1 | $385,000 | $385,000 | $385,000 | $107,000 | $107,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2023 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.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About