Cb&S Bank Mortgage Lending & HMDA Data, 2018
In 2018, Cb&S Bank of Russellville, AL reported 1,063 mortgage applications totaling $131.7 million, down 9% from 2017. The average application was for $123,880, and applicants reported an average income of $80,015. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Birmingham-Hoover, AL (105), Huntsville, AL (80) 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 | 1,063 |
| Total Mortgage Loan Application Amount | $131,685,000 |
| Average Mortgage Loan Application Amount | $123,880 |
| Highest Mortgage Loan Application Amount | $7,655,000 |
| Average Applicant Income | $80,015 |
| Highest Applicant Income | $1,761,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 689 | $ 63,335,000 | $ 91,923 | $ 70,494 |
| Birmingham-Hoover, AL | 105 | $ 18,515,000 | $ 176,333 | $ 104,000 |
| Huntsville, AL | 80 | $ 12,020,000 | $ 150,250 | $ 114,000 |
| Decatur, AL | 74 | $ 8,550,000 | $ 115,540 | $ 94,000 |
| Florence-Muscle Shoals, AL | 61 | $ 14,785,000 | $ 242,377 | $ 69,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 18 | $ 7,160,000 | $ 397,777 | $ 113,000 |
| Memphis, TN-MS-AR | 13 | $ 2,265,000 | $ 174,230 | $ 111,538 |
| Daphne-Fairhope-Foley, AL | 3 | $ 675,000 | $ 225,000 | $ 108,000 |
| Jackson, MS | 3 | $ 465,000 | $ 155,000 | $ 83,000 |
| Jackson, TN | 3 | $ 355,000 | $ 118,333 | $ 65,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 660,000 | $ 330,000 | $ 404,000 |
| Knoxville, TN | 2 | $ 260,000 | $ 130,000 | $ 108,000 |
| Tuscaloosa, AL | 2 | $ 400,000 | $ 200,000 | $ 52,000 |
| Durham-Chapel Hill, NC | 1 | $ 775,000 | $ 775,000 | $ 403,000 |
| Gadsden, AL | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 435,000 | $ 435,000 | $ 47,000 |
| Mobile, AL | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Montgomery, AL | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| New Orleans-Metairie, LA | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Springfield, MO | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2018
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 | 569 | $88,365,000 | $155,000 | $7,655,000 | $83,000 | $1,054,000 |
| Refinancing | 293 | $26,095,000 | $89,000 | $1,695,000 | $86,000 | $1,761,000 |
| Cash-out Refinancing | 78 | $12,130,000 | $155,000 | $455,000 | $83,000 | $500,000 |
| Other Purpose | 73 | $3,205,000 | $43,000 | $165,000 | $46,000 | $174,000 |
| Home Improvement | 50 | $1,890,000 | $37,000 | $145,000 | $56,000 | $200,000 |
| 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 | 827 | $97,925,000 | $118,000 | $1,505,000 | $82,000 | $1,761,000 |
| Black or African American | 113 | $10,005,000 | $88,000 | $455,000 | $59,000 | $300,000 |
| Hispanic | 46 | $3,010,000 | $65,000 | $195,000 | $56,000 | $168,000 |
| Not applicable | 46 | $16,350,000 | $355,000 | $7,655,000 | $0 | $0 |
| Asian | 16 | $2,720,000 | $170,000 | $435,000 | $96,000 | $492,000 |
| Not Provided | 12 | $1,480,000 | $123,000 | $455,000 | $172,000 | $689,000 |
| American Indian or Alaskan Native | 3 | $195,000 | $65,000 | $65,000 | $127,000 | $147,000 |
| 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) | 938 | $113,000,000 | $120,000 | $7,655,000 | $82,000 | $1,761,000 |
| FHA-insured (Federal Housing Administration) | 63 | $10,565,000 | $167,000 | $295,000 | $69,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $3,960,000 | $99,000 | $245,000 | $42,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,160,000 | $189,000 | $395,000 | $83,000 | $283,000 |
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 | 740 | $98,790,000 | $133,000 | $7,655,000 | $84,000 | $1,761,000 |
| Application Denied By Financial Institution | 157 | $11,445,000 | $72,000 | $305,000 | $48,000 | $888,000 |
| Application Withdrawn By Applicant | 115 | $16,225,000 | $141,000 | $1,505,000 | $94,000 | $840,000 |
| Application Approved But Not Accepted | 43 | $4,365,000 | $101,000 | $585,000 | $84,000 | $655,000 |
| File Closed For Incompleteness | 7 | $735,000 | $105,000 | $325,000 | $133,000 | $500,000 |
| Loan Purchased By The Institution | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| 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 | 906 | $120,240,000 | $132,000 | $7,655,000 | $86,000 | $1,761,000 |
| Credit History | 83 | $4,615,000 | $55,000 | $255,000 | $52,000 | $888,000 |
| Debt-To-Income Ratio | 43 | $4,415,000 | $102,000 | $305,000 | $39,000 | $129,000 |
| Collateral | 17 | $1,285,000 | $75,000 | $215,000 | $52,000 | $138,000 |
| Other | 7 | $645,000 | $92,000 | $265,000 | $58,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $380,000 | $95,000 | $165,000 | $64,000 | $83,000 |
| Credit Application Incomplete | 2 | $80,000 | $40,000 | $55,000 | $28,000 | $32,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $12,000 | $12,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2018 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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