Cb&S Bank Mortgage Lending & HMDA Data, 2024
In 2024, Cb&S Bank of Russellville, AL reported 1,218 mortgage applications totaling $250.9 million, up 1% from 2023. The average application was for $206,001, and applicants reported an average income of $130,406. 72% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Huntsville, AL (152), Florence-Muscle Shoals, AL (105) and Decatur, AL (74) (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 | 1,218 |
| Total Mortgage Loan Application Amount | $250,910,000 |
| Average Mortgage Loan Application Amount | $206,001 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $130,406 |
| Highest Applicant Income | $2,460,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 180 | $ 17,310,000 | $ 96,166 | $ 90,000 |
| Madison, Alabama | 118 | $ 26,030,000 | $ 220,593 | $ 179,000 |
| Colbert, Alabama | 73 | $ 18,175,000 | $ 248,972 | $ 164,000 |
| Lawrence, Alabama | 54 | $ 8,460,000 | $ 156,666 | $ 115,000 |
| McNairy, Tennessee | 49 | $ 4,535,000 | $ 92,551 | $ 79,000 |
| Decatur, Tennessee | 40 | $ 3,840,000 | $ 96,000 | $ 98,000 |
| Alcorn, Mississippi | 39 | $ 4,045,000 | $ 103,717 | $ 91,000 |
| Lincoln, Tennessee | 38 | $ 6,970,000 | $ 183,421 | $ 109,000 |
| Elmore, Alabama | 36 | $ 10,450,000 | $ 290,277 | $ 240,000 |
| Limestone, Alabama | 34 | $ 14,430,000 | $ 424,411 | $ 154,000 |
| Lauderdale, Alabama | 32 | $ 20,900,000 | $ 653,125 | $ 94,000 |
| Tishomingo, Mississippi | 27 | $ 3,765,000 | $ 139,444 | $ 92,000 |
| Tippah, Mississippi | 25 | $ 1,505,000 | $ 60,200 | $ 54,000 |
| Hardeman, Tennessee | 25 | $ 5,055,000 | $ 202,200 | $ 84,000 |
| Washington, Mississippi | 23 | $ 1,375,000 | $ 59,782 | $ 77,000 |
| Hardin, Tennessee | 23 | $ 2,555,000 | $ 111,086 | $ 83,000 |
| Morgan, Alabama | 20 | $ 2,900,000 | $ 145,000 | $ 117,000 |
| Coahoma, Mississippi | 20 | $ 3,010,000 | $ 150,500 | $ 133,000 |
| Montgomery, Alabama | 19 | $ 4,395,000 | $ 231,315 | $ 254,000 |
| Lee, Mississippi | 19 | $ 16,495,000 | $ 868,157 | $ 154,000 |
| Marion, Alabama | 18 | $ 2,490,000 | $ 138,333 | $ 143,000 |
| Jefferson, Alabama | 17 | $ 5,595,000 | $ 329,117 | $ 186,000 |
| Tuscaloosa, Alabama | 17 | $ 6,925,000 | $ 407,352 | $ 301,000 |
| Itawamba, Mississippi | 17 | $ 1,465,000 | $ 86,176 | $ 75,000 |
| Marshall, Tennessee | 17 | $ 2,385,000 | $ 140,294 | $ 84,000 |
| Rutherford, Tennessee | 17 | $ 8,235,000 | $ 484,411 | $ 333,000 |
| Davidson, Tennessee | 16 | $ 5,080,000 | $ 317,500 | $ 139,000 |
| Lewis, Tennessee | 15 | $ 1,265,000 | $ 84,333 | $ 65,000 |
| Shelby, Alabama | 11 | $ 4,625,000 | $ 420,454 | $ 270,000 |
| Tallapoosa, Alabama | 11 | $ 2,385,000 | $ 216,818 | $ 78,000 |
| Lee, Alabama | 10 | $ 3,650,000 | $ 365,000 | $ 373,000 |
| Giles, Tennessee | 10 | $ 650,000 | $ 65,000 | $ 57,000 |
| Oktibbeha, Mississippi | 9 | $ 955,000 | $ 106,111 | $ 97,000 |
| Henderson, Tennessee | 9 | $ 625,000 | $ 69,444 | $ 50,000 |
| Leflore, Mississippi | 8 | $ 290,000 | $ 36,250 | $ 61,000 |
| Marshall, Alabama | 6 | $ 900,000 | $ 150,000 | $ 133,000 |
| Winston, Alabama | 6 | $ 2,360,000 | $ 393,333 | $ 536,000 |
| Webster, Mississippi | 6 | $ 340,000 | $ 56,666 | $ 79,000 |
| Montgomery, Tennessee | 6 | $ 1,990,000 | $ 331,666 | $ 116,000 |
| St. Clair, Alabama | 5 | $ 1,525,000 | $ 305,000 | $ 159,000 |
| Bedford, Tennessee | 5 | $ 765,000 | $ 153,000 | $ 85,000 |
| Maury, Tennessee | 5 | $ 625,000 | $ 125,000 | $ 135,000 |
| Prentiss, Mississippi | 4 | $ 470,000 | $ 117,500 | $ 70,000 |
| Quitman, Mississippi | 4 | $ 220,000 | $ 55,000 | $ 63,000 |
| Chester, Tennessee | 4 | $ 820,000 | $ 205,000 | $ 105,000 |
| Madison, Tennessee | 4 | $ 710,000 | $ 177,500 | $ 70,000 |
| Williamson, Tennessee | 4 | $ 3,620,000 | $ 905,000 | $ 251,000 |
| Autauga, Alabama | 3 | $ 335,000 | $ 111,666 | $ 94,000 |
| Carroll, Mississippi | 3 | $ 245,000 | $ 81,666 | $ 144,000 |
| Blount, Alabama | 2 | $ 450,000 | $ 225,000 | $ 121,000 |
| Cullman, Alabama | 2 | $ 490,000 | $ 245,000 | $ 64,000 |
| Fayette, Alabama | 2 | $ 350,000 | $ 175,000 | $ 309,000 |
| Jackson, Alabama | 2 | $ 330,000 | $ 165,000 | $ 316,000 |
| Mobile, Alabama | 2 | $ 50,000 | $ 25,000 | $ 32,000 |
| Talladega, Alabama | 2 | $ 400,000 | $ 200,000 | $ 105,000 |
| Walker, Alabama | 2 | $ 240,000 | $ 120,000 | $ 50,000 |
| Richmond, Georgia | 2 | $ 150,000 | $ 75,000 | $ 42,000 |
| Sharkey, Mississippi | 2 | $ 90,000 | $ 45,000 | $ 10,000 |
| Fayette, Tennessee | 2 | $ 410,000 | $ 205,000 | $ 83,000 |
| Franklin, Tennessee | 2 | $ 290,000 | $ 145,000 | $ 233,000 |
| Shelby, Tennessee | 2 | $ 210,000 | $ 105,000 | $ 80,000 |
| Baldwin, Alabama | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Coffee, Alabama | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Crenshaw, Alabama | 1 | $ 205,000 | $ 205,000 | $ 0 |
| DeKalb, Alabama | 1 | $ 215,000 | $ 215,000 | $ 240,000 |
| Etowah, Alabama | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Hale, Alabama | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Houston, Alabama | 1 | $ 185,000 | $ 185,000 | $ 129,000 |
| Macon, Alabama | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Bay, Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Gulf, Florida | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Orange, Florida | 1 | $ 875,000 | $ 875,000 | $ 1,073,000 |
| Walton, Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Fulton, Georgia | 1 | $ 265,000 | $ 265,000 | $ 124,000 |
| Rockdale, Georgia | 1 | $ 225,000 | $ 225,000 | $ 144,000 |
| Troup, Georgia | 1 | $ 275,000 | $ 275,000 | $ 194,000 |
| Benton, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Bolivar, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Choctaw, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 123,000 |
| DeSoto, Mississippi | 1 | $ 245,000 | $ 245,000 | $ 212,000 |
| Montgomery, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Panola, Mississippi | 1 | $ 355,000 | $ 355,000 | $ 146,000 |
| Pontotoc, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Rankin, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Winston, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Houston, Tennessee | 1 | $ 415,000 | $ 415,000 | $ 119,000 |
| Knox, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 330,000 |
| Robertson, Tennessee | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Tipton, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 107,000 |
| Warren, Tennessee | 1 | $ 435,000 | $ 435,000 | $ 406,000 |
| Wayne, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Wilson, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2024
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 | 509 | $148,885,000 | $292,000 | $7,605,000 | $150,000 | $2,460,000 |
| Refinancing | 303 | $69,195,000 | $228,000 | $10,005,000 | $135,000 | $1,948,000 |
| Home Improvement | 218 | $16,170,000 | $74,000 | $1,005,000 | $112,000 | $739,000 |
| Other Purpose | 166 | $13,300,000 | $80,000 | $505,000 | $92,000 | $418,000 |
| Cash-out Refinancing | 22 | $3,360,000 | $152,000 | $365,000 | $86,000 | $297,000 |
| 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 | 869 | $140,175,000 | $161,000 | $2,915,000 | $131,000 | $2,460,000 |
| Not applicable | 105 | $72,575,000 | $691,000 | $10,005,000 | $0 | $0 |
| Black or African American | 96 | $8,330,000 | $86,000 | $635,000 | $86,000 | $291,000 |
| Hispanic | 76 | $10,710,000 | $140,000 | $1,005,000 | $91,000 | $417,000 |
| Not Provided | 46 | $10,800,000 | $234,000 | $1,005,000 | $198,000 | $1,073,000 |
| Asian | 21 | $7,055,000 | $335,000 | $1,855,000 | $257,000 | $1,263,000 |
| American Indian or Alaskan Native | 4 | $610,000 | $152,000 | $295,000 | $124,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $655,000 | $655,000 | $655,000 | $265,000 | $265,000 |
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) | 1,168 | $239,290,000 | $204,000 | $10,005,000 | $131,000 | $2,460,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,940,000 | $147,000 | $255,000 | $59,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 17 | $6,685,000 | $393,000 | $765,000 | $132,000 | $265,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,995,000 | $153,000 | $315,000 | $85,000 | $297,000 |
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 | 873 | $186,755,000 | $213,000 | $10,005,000 | $148,000 | $2,460,000 |
| Application Denied By Financial Institution | 184 | $21,820,000 | $118,000 | $1,005,000 | $77,000 | $530,000 |
| Application Withdrawn By Applicant | 136 | $39,020,000 | $286,000 | $7,605,000 | $98,000 | $460,000 |
| Application Approved But Not Accepted | 18 | $2,360,000 | $131,000 | $455,000 | $89,000 | $253,000 |
| File Closed For Incompleteness | 7 | $955,000 | $136,000 | $455,000 | $84,000 | $208,000 |
| 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 | 613 | $148,035,000 | $241,000 | $7,605,000 | $128,000 | $2,460,000 |
| Debt-To-Income Ratio | 527 | $94,385,000 | $179,000 | $10,005,000 | $141,000 | $2,460,000 |
| Credit History | 61 | $5,885,000 | $96,000 | $605,000 | $67,000 | $297,000 |
| Collateral | 5 | $865,000 | $173,000 | $325,000 | $60,000 | $77,000 |
| Other | 5 | $625,000 | $125,000 | $235,000 | $61,000 | $77,000 |
| Unverifiable Information | 2 | $330,000 | $165,000 | $295,000 | $66,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $290,000 | $145,000 | $215,000 | $48,000 | $73,000 |
| Credit Application Incomplete | 2 | $170,000 | $85,000 | $105,000 | $50,000 | $68,000 |
| Employment History | 1 | $325,000 | $325,000 | $325,000 | $97,000 | $97,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2024 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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with aggregated HMDA statistics today.
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