Cb&S Bank Mortgage Lending & HMDA Data, 2007
In 2007, Cb&S Bank of Russellville, AL reported 849 mortgage applications totaling $56.2 million, up 29% from 2006. The average application was for $66,168, and applicants reported an average income of $57,491. 84% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Florence-Muscle Shoals, AL (88), Decatur, AL (59) and Huntsville, AL (13) (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 | 849 |
| Total Mortgage Loan Application Amount | $56,177,000 |
| Average Mortgage Loan Application Amount | $66,168 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $57,491 |
| Highest Applicant Income | $2,000,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 88 | $ 5,452,000 | $ 61,954 | $ 70,000 |
| Decatur, AL | 59 | $ 3,346,000 | $ 56,711 | $ 59,000 |
| Huntsville, AL | 13 | $ 1,673,000 | $ 128,692 | $ 77,000 |
| Jackson, TN | 3 | $ 280,000 | $ 93,333 | $ 54,000 |
| Birmingham-Hoover, AL | 2 | $ 302,000 | $ 151,000 | $ 25,000 |
| Memphis, TN-MS-AR | 2 | $ 81,000 | $ 40,500 | $ 72,000 |
| Auburn-Opelika, AL | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 543,000 | $ 543,000 | $ 56,000 |
| Tuscaloosa, AL | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2007
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 | 468 | $37,225,000 | $79,000 | $10,000,000 | $63,000 | $2,000,000 |
| Home Purchase | 247 | $16,586,000 | $67,000 | $880,000 | $56,000 | $720,000 |
| Home Improvement | 134 | $2,366,000 | $17,000 | $147,000 | $41,000 | $300,000 |
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 | 635 | $33,206,000 | $52,000 | $880,000 | $63,000 | $1,700,000 |
| Black or African American | 100 | $3,100,000 | $31,000 | $300,000 | $39,000 | $239,000 |
| Hispanic | 61 | $2,511,000 | $41,000 | $138,000 | $34,000 | $112,000 |
| Not applicable | 41 | $16,689,000 | $407,000 | $10,000,000 | $3,000 | $129,000 |
| American Indian or Alaskan Native | 5 | $253,000 | $50,000 | $116,000 | $429,000 | $2,000,000 |
| Asian | 4 | $329,000 | $82,000 | $145,000 | $26,000 | $61,000 |
| Not Provided | 2 | $55,000 | $27,000 | $30,000 | $19,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $34,000 | $34,000 | $34,000 | $350,000 | $350,000 |
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) | 849 | $56,177,000 | $66,000 | $10,000,000 | $58,000 | $2,000,000 |
| 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 | 717 | $49,224,000 | $68,000 | $10,000,000 | $61,000 | $2,000,000 |
| Application Denied By Financial Institution | 92 | $4,018,000 | $43,000 | $300,000 | $34,000 | $239,000 |
| Application Withdrawn By Applicant | 38 | $2,838,000 | $74,000 | $500,000 | $53,000 | $378,000 |
| Application Approved But Not Accepted | 2 | $97,000 | $48,000 | $79,000 | $49,000 | $75,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 68 | $2,909,000 | $42,000 | $300,000 | $36,000 | $239,000 |
| Debt-To-Income Ratio | 15 | $706,000 | $47,000 | $83,000 | $34,000 | $83,000 |
| Collateral | 5 | $204,000 | $40,000 | $68,000 | $21,000 | $40,000 |
| Employment History | 2 | $9,000 | $4,000 | $7,000 | $16,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $170,000 | $170,000 | $170,000 | $70,000 | $70,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $13,000 | $13,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2007 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