Cb&S Bank Mortgage Lending & HMDA Data, 2025
In 2025, Cb&S Bank of Russellville, AL reported 1,328 mortgage applications totaling $278.0 million, up 9% from 2024. The average application was for $209,314, and applicants reported an average income of $132,405. 71% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Huntsville, AL (150), Florence-Muscle Shoals, AL (109) and Decatur, AL (77) (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 | 1,328 |
| Total Mortgage Loan Application Amount | $277,970,000 |
| Average Mortgage Loan Application Amount | $209,314 |
| Highest Mortgage Loan Application Amount | $15,805,000 |
| Average Applicant Income | $132,405 |
| Highest Applicant Income | $2,747,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 773 | $ 104,155,000 | $ 134,741 | $ 101,641 |
| Huntsville, AL | 150 | $ 41,080,000 | $ 273,866 | $ 185,000 |
| Florence-Muscle Shoals, AL | 109 | $ 35,315,000 | $ 323,990 | $ 119,000 |
| Decatur, AL | 77 | $ 12,505,000 | $ 162,402 | $ 106,000 |
| Montgomery, AL | 52 | $ 9,280,000 | $ 178,461 | $ 175,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 45 | $ 22,535,000 | $ 500,777 | $ 334,000 |
| Birmingham-Hoover, AL | 37 | $ 27,745,000 | $ 749,864 | $ 322,000 |
| Tuscaloosa, AL | 30 | $ 9,950,000 | $ 331,666 | $ 203,000 |
| Memphis, TN-MS-AR | 15 | $ 2,255,000 | $ 150,333 | $ 94,200 |
| Jackson, TN | 12 | $ 2,840,000 | $ 236,666 | $ 123,000 |
| Auburn-Opelika, AL | 7 | $ 2,495,000 | $ 356,428 | $ 393,000 |
| Panama City, FL | 5 | $ 1,025,000 | $ 205,000 | $ 144,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 460,000 | $ 230,000 | $ 111,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 840,000 | $ 420,000 | $ 230,000 |
| Tampa, FL | 2 | $ 840,000 | $ 420,000 | $ 175,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 565,000 | $ 565,000 | $ 170,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Austin-Round Rock, TX | 1 | $ 555,000 | $ 555,000 | $ 150,000 |
| Columbus, GA-AL | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 705,000 | $ 705,000 | $ 250,000 |
| Jackson, MS | 1 | $ 75,000 | $ 75,000 | $ 175,000 |
| Rome, GA | 1 | $ 315,000 | $ 315,000 | $ 145,000 |
| Springfield, IL | 1 | $ 365,000 | $ 365,000 | $ 153,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 455,000 | $ 455,000 | $ 277,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2025
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 | $151,695,000 | $298,000 | $15,805,000 | $142,000 | $2,747,000 |
| Refinancing | 383 | $88,845,000 | $231,000 | $10,005,000 | $135,000 | $1,702,000 |
| Home Improvement | 242 | $18,520,000 | $76,000 | $505,000 | $115,000 | $570,000 |
| Other Purpose | 176 | $15,920,000 | $90,000 | $705,000 | $128,000 | $2,137,000 |
| Cash-out Refinancing | 18 | $2,990,000 | $166,000 | $315,000 | $83,000 | $221,000 |
| 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 | 982 | $172,300,000 | $175,000 | $2,435,000 | $135,000 | $2,747,000 |
| Not applicable | 133 | $73,535,000 | $552,000 | $15,805,000 | $0 | $0 |
| Black or African American | 100 | $9,890,000 | $98,000 | $645,000 | $93,000 | $481,000 |
| Hispanic | 48 | $6,780,000 | $141,000 | $705,000 | $84,000 | $529,000 |
| Not Provided | 35 | $7,695,000 | $219,000 | $1,005,000 | $172,000 | $632,000 |
| Asian | 25 | $6,395,000 | $255,000 | $725,000 | $191,000 | $1,224,000 |
| American Indian or Alaskan Native | 3 | $1,045,000 | $348,000 | $495,000 | $203,000 | $271,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $305,000 | $305,000 | $305,000 | $155,000 | $155,000 |
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) | 1,278 | $264,200,000 | $206,000 | $15,805,000 | $133,000 | $2,747,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,545,000 | $154,000 | $315,000 | $65,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 21 | $9,035,000 | $430,000 | $645,000 | $160,000 | $274,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,190,000 | $198,000 | $445,000 | $62,000 | $99,000 |
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 | 940 | $202,470,000 | $215,000 | $15,805,000 | $146,000 | $2,137,000 |
| Application Denied By Financial Institution | 201 | $30,415,000 | $151,000 | $1,605,000 | $76,000 | $481,000 |
| Application Withdrawn By Applicant | 143 | $37,725,000 | $263,000 | $7,805,000 | $125,000 | $2,747,000 |
| Application Approved But Not Accepted | 30 | $5,050,000 | $168,000 | $725,000 | $128,000 | $458,000 |
| File Closed For Incompleteness | 14 | $2,310,000 | $165,000 | $905,000 | $98,000 | $263,000 |
| 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 | 625 | $169,695,000 | $271,000 | $15,805,000 | $127,000 | $2,747,000 |
| Debt-To-Income Ratio | 624 | $95,880,000 | $153,000 | $10,005,000 | $144,000 | $2,137,000 |
| Credit History | 54 | $7,700,000 | $142,000 | $1,605,000 | $64,000 | $336,000 |
| Other | 11 | $2,505,000 | $227,000 | $975,000 | $109,000 | $247,000 |
| Collateral | 7 | $1,395,000 | $199,000 | $375,000 | $62,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $310,000 | $77,000 | $105,000 | $51,000 | $51,000 |
| Unverifiable Information | 2 | $290,000 | $145,000 | $155,000 | $88,000 | $100,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $72,000 | $72,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2025 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.
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