Cb&S Bank Mortgage Lending & HMDA Data, 2005
In 2005, Cb&S Bank of Russellville, AL reported 535 mortgage applications totaling $30.2 million, up 35% from 2004. The average application was for $56,521, and applicants reported an average income of $38,811. 85% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Florence-Muscle Shoals, AL (97), Decatur, AL (38) and Huntsville, AL (4) (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 | 535 |
| Total Mortgage Loan Application Amount | $30,239,000 |
| Average Mortgage Loan Application Amount | $56,521 |
| Highest Mortgage Loan Application Amount | $1,028,000 |
| Average Applicant Income | $38,811 |
| Highest Applicant Income | $732,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Florence-Muscle Shoals, AL | 97 | $ 6,037,000 | $ 62,237 | $ 35,000 |
| Decatur, AL | 38 | $ 1,794,000 | $ 47,210 | $ 43,000 |
| Huntsville, AL | 4 | $ 251,000 | $ 62,750 | $ 64,000 |
| Birmingham-Hoover, AL | 2 | $ 238,000 | $ 119,000 | $ 120,000 |
| Jackson, TN | 1 | $ 49,000 | $ 49,000 | $ 51,000 |
| Memphis, TN-MS-AR | 1 | $ 162,000 | $ 162,000 | $ 128,000 |
| Tuscaloosa, AL | 1 | $ 41,000 | $ 41,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 310 | $18,387,000 | $57,333 | $1,028,000 | $42,666 | $732,000 |
| Home Purchase | 187 | $11,114,000 | $68,333 | $456,000 | $44,666 | $340,000 |
| Home Improvement | 38 | $738,000 | $20,333 | $68,000 | $38,666 | $100,000 |
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 | 417 | $23,341,000 | $53,666 | $456,000 | $49,333 | $732,000 |
| Hispanic | 82 | $3,539,000 | $40,000 | $162,000 | $43,333 | $96,000 |
| Black or African American | 21 | $590,000 | $17,500 | $77,000 | $22,500 | $78,000 |
| Not applicable | 10 | $2,524,000 | $158,000 | $1,028,000 | $0 | $0 |
| Asian | 3 | $131,000 | $43,000 | $64,000 | $34,000 | $60,000 |
| American Indian or Alaskan Native | 2 | $114,000 | $57,000 | $82,000 | $55,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 535 | $30,239,000 | $52,333 | $1,028,000 | $43,333 | $732,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 453 | $26,363,000 | $56,000 | $1,028,000 | $47,000 | $732,000 |
| Application Denied By Financial Institution | 58 | $2,694,000 | $39,666 | $180,000 | $30,666 | $100,000 |
| Application Withdrawn By Applicant | 20 | $1,160,000 | $44,500 | $180,000 | $59,500 | $240,000 |
| Loan Purchased By The Institution | 4 | $22,000 | $8,000 | $14,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 47 | $1,993,000 | $40,666 | $125,000 | $37,000 | $100,000 |
| Debt-To-Income Ratio | 5 | $367,000 | $54,000 | $180,000 | $20,333 | $58,000 |
| Employment History | 3 | $142,000 | $47,000 | $93,000 | $22,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $43,000 | $43,000 |
| Collateral | 1 | $40,000 | $40,000 | $40,000 | $34,000 | $34,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2005 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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