Cb&S Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Cb&S Bank, Inc. 2023 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 | 1,211 |
| Total Mortgage Loan Application Amount | $244,825,000 |
| Average Mortgage Loan Application Amount | $161,200 |
| Highest Mortgage Loan Application Amount | $12,755,000 |
| Average Applicant Income | $111,800 |
| Highest Applicant Income | $3,481,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 175 | $ 16,425,000 | $ 93,000 | $ 90,000 |
| Madison County Alabama | 113 | $ 25,265,000 | $ 223,000 | $ 151,000 |
| Colbert County Alabama | 61 | $ 8,635,000 | $ 141,000 | $ 98,000 |
| Alcorn County Mississippi | 51 | $ 6,215,000 | $ 121,000 | $ 90,000 |
| Limestone County Alabama | 47 | $ 16,345,000 | $ 347,000 | $ 169,000 |
| Lauderdale County Alabama | 40 | $ 14,720,000 | $ 368,000 | $ 107,000 |
| Lawrence County Alabama | 40 | $ 5,010,000 | $ 125,000 | $ 81,000 |
| McNairy County Tennessee | 39 | $ 3,535,000 | $ 90,000 | $ 100,000 |
| Morgan County Alabama | 38 | $ 7,310,000 | $ 192,000 | $ 113,000 |
| Coahoma County Mississippi | 33 | $ 3,395,000 | $ 102,000 | $ 115,000 |
| Lincoln County Tennessee | 32 | $ 4,550,000 | $ 142,000 | $ 101,000 |
| Leflore County Mississippi | 31 | $ 2,165,000 | $ 69,000 | $ 131,000 |
| Decatur County Tennessee | 28 | $ 2,910,000 | $ 103,000 | $ 71,000 |
| Hardin County Tennessee | 28 | $ 3,430,000 | $ 122,000 | $ 72,000 |
| Lee County Mississippi | 24 | $ 4,880,000 | $ 203,000 | $ 279,000 |
| Elmore County Alabama | 23 | $ 5,345,000 | $ 232,000 | $ 105,000 |
| Hardeman County Tennessee | 23 | $ 2,295,000 | $ 99,000 | $ 64,000 |
| Tippah County Mississippi | 22 | $ 1,410,000 | $ 64,000 | $ 52,000 |
| Marion County Alabama | 20 | $ 1,490,000 | $ 74,000 | $ 92,000 |
| Tishomingo County Mississippi | 19 | $ 1,915,000 | $ 100,000 | $ 95,000 |
| Tuscaloosa County Alabama | 18 | $ 31,490,000 | $ 1,749,000 | $ 365,000 |
| Montgomery County Alabama | 17 | $ 2,165,000 | $ 127,000 | $ 122,000 |
| Washington County Mississippi | 17 | $ 855,000 | $ 50,000 | $ 67,000 |
| Giles County Tennessee | 17 | $ 1,665,000 | $ 97,000 | $ 83,000 |
| Jefferson County Alabama | 16 | $ 4,570,000 | $ 285,000 | $ 283,000 |
| Webster County Mississippi | 15 | $ 1,135,000 | $ 75,000 | $ 65,000 |
| Lewis County Tennessee | 14 | $ 2,260,000 | $ 161,000 | $ 116,000 |
| Itawamba County Mississippi | 13 | $ 1,305,000 | $ 100,000 | $ 52,000 |
| Shelby County Alabama | 12 | $ 3,790,000 | $ 315,000 | $ 204,000 |
| Tallapoosa County Alabama | 12 | $ 3,080,000 | $ 256,000 | $ 237,000 |
| Henderson County Tennessee | 12 | $ 1,000,000 | $ 83,000 | $ 52,000 |
| Rutherford County Tennessee | 10 | $ 2,980,000 | $ 298,000 | $ 151,000 |
| Cullman County Alabama | 9 | $ 2,985,000 | $ 331,000 | $ 182,000 |
| Marshall County Tennessee | 9 | $ 925,000 | $ 102,000 | $ 76,000 |
| Davidson County Tennessee | 8 | $ 2,220,000 | $ 277,000 | $ 114,000 |
| Williamson County Tennessee | 8 | $ 7,470,000 | $ 933,000 | $ 788,000 |
| Lee County Alabama | 7 | $ 1,545,000 | $ 220,000 | $ 292,000 |
| Oktibbeha County Mississippi | 7 | $ 13,145,000 | $ 1,877,000 | $ 121,000 |
| Marshall County Alabama | 6 | $ 1,190,000 | $ 198,000 | $ 92,000 |
| Winston County Alabama | 5 | $ 395,000 | $ 79,000 | $ 58,000 |
| Baldwin County Alabama | 4 | $ 1,080,000 | $ 270,000 | $ 166,000 |
| Walton County Florida | 4 | $ 1,560,000 | $ 390,000 | $ 355,000 |
| Madison County Tennessee | 4 | $ 760,000 | $ 190,000 | $ 235,000 |
| Autauga County Alabama | 3 | $ 635,000 | $ 211,000 | $ 164,000 |
| Benton County Mississippi | 3 | $ 165,000 | $ 55,000 | $ 64,000 |
| Choctaw County Mississippi | 3 | $ 95,000 | $ 31,000 | $ 48,000 |
| DeSoto County Mississippi | 3 | $ 625,000 | $ 208,000 | $ 124,000 |
| Bedford County Tennessee | 3 | $ 505,000 | $ 168,000 | $ 64,000 |
| Maury County Tennessee | 3 | $ 2,565,000 | $ 855,000 | $ 1,235,000 |
| Chilton County Alabama | 2 | $ 220,000 | $ 110,000 | $ 78,000 |
| DeKalb County Alabama | 2 | $ 320,000 | $ 160,000 | $ 136,000 |
| Macon County Alabama | 2 | $ 70,000 | $ 35,000 | $ 115,000 |
| Fulton County Georgia | 2 | $ 500,000 | $ 250,000 | $ 316,000 |
| Bolivar County Mississippi | 2 | $ 110,000 | $ 55,000 | $ 123,000 |
| Carroll County Mississippi | 2 | $ 200,000 | $ 100,000 | $ 212,000 |
| Pontotoc County Mississippi | 2 | $ 90,000 | $ 45,000 | $ 36,000 |
| Prentiss County Mississippi | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Sharkey County Mississippi | 2 | $ 100,000 | $ 50,000 | $ 20,000 |
| Cannon County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 209,000 |
| Chester County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 234,000 |
| Lawrence County Tennessee | 2 | $ 120,000 | $ 60,000 | $ 74,000 |
| Shelby County Tennessee | 2 | $ 570,000 | $ 285,000 | $ 72,000 |
| Wilson County Tennessee | 2 | $ 3,320,000 | $ 1,660,000 | $ 104,000 |
| Bibb County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Blount County Alabama | 1 | $ 485,000 | $ 485,000 | $ 185,000 |
| Bullock County Alabama | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Coosa County Alabama | 1 | $ 475,000 | $ 475,000 | $ 306,000 |
| Jackson County Alabama | 1 | $ 255,000 | $ 255,000 | $ 234,000 |
| Lamar County Alabama | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Mobile County Alabama | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Pickens County Alabama | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Talladega County Alabama | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Walker County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Bay County Florida | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Manatee County Florida | 1 | $ 535,000 | $ 535,000 | $ 150,000 |
| St. Johns County Florida | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Grenada County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Hinds County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Humphreys County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 276,000 |
| Quitman County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Rankin County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Sunflower County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Tallahatchie County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Tate County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Yalobusha County Mississippi | 1 | $ 365,000 | $ 365,000 | $ 327,000 |
| Forsyth County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 146,000 |
| Yancey County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 509,000 |
| Greenville County South Carolina | 1 | $ 415,000 | $ 415,000 | $ 275,000 |
| Benton County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Carroll County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Fayette County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
| Gibson County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Haywood County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Marion County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 182,000 |
| Perry County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 87,000 |
| Warren County Tennessee | 1 | $ 435,000 | $ 435,000 | $ 406,000 |
| Wayne County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 156,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank, Inc. 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, Inc.'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, 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.