Cb&S Bank Mortgage Lending & HMDA Data, 2019
In 2019, Cb&S Bank of Russellville, AL reported 1,063 mortgage applications totaling $132.4 million, about the same as 2018. The average application was for $124,586, and applicants reported an average income of $79,680. 74% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Birmingham-Hoover, AL (87), Decatur, AL (87) and Huntsville, AL (83) (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 | $132,435,000 |
| Average Mortgage Loan Application Amount | $124,586 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $79,680 |
| Highest Applicant Income | $2,727,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 628 | $ 62,750,000 | $ 99,920 | $ 66,186 |
| Birmingham-Hoover, AL | 87 | $ 16,035,000 | $ 184,310 | $ 92,000 |
| Decatur, AL | 87 | $ 10,375,000 | $ 119,252 | $ 72,000 |
| Huntsville, AL | 83 | $ 12,485,000 | $ 150,421 | $ 110,000 |
| Florence-Muscle Shoals, AL | 67 | $ 9,305,000 | $ 138,880 | $ 83,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 30 | $ 8,870,000 | $ 295,666 | $ 251,000 |
| Montgomery, AL | 29 | $ 4,235,000 | $ 146,034 | $ 91,000 |
| Memphis, TN-MS-AR | 14 | $ 3,010,000 | $ 215,000 | $ 89,428 |
| Jackson, MS | 7 | $ 825,000 | $ 117,857 | $ 86,000 |
| Jackson, TN | 6 | $ 460,000 | $ 76,666 | $ 44,000 |
| Tuscaloosa, AL | 6 | $ 890,000 | $ 148,333 | $ 161,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,080,000 | $ 270,000 | $ 313,000 |
| Chattanooga, TN-GA | 3 | $ 385,000 | $ 128,333 | $ 169,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 200,000 | $ 100,000 | $ 41,000 |
| Knoxville, TN | 2 | $ 150,000 | $ 75,000 | $ 85,000 |
| Auburn-Opelika, AL | 1 | $ 145,000 | $ 145,000 | $ 32,000 |
| Bowling Green, KY | 1 | $ 415,000 | $ 415,000 | $ 123,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2019
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 | 548 | $83,950,000 | $153,000 | $1,305,000 | $80,000 | $600,000 |
| Refinancing | 371 | $37,155,000 | $100,000 | $795,000 | $88,000 | $2,727,000 |
| Other Purpose | 63 | $3,125,000 | $49,000 | $275,000 | $50,000 | $273,000 |
| Cash-out Refinancing | 49 | $7,185,000 | $146,000 | $495,000 | $70,000 | $436,000 |
| Home Improvement | 32 | $1,020,000 | $31,000 | $155,000 | $51,000 | $126,000 |
| 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 | 841 | $104,335,000 | $124,000 | $795,000 | $81,000 | $2,727,000 |
| Black or African American | 71 | $4,625,000 | $65,000 | $345,000 | $62,000 | $185,000 |
| Not applicable | 69 | $14,115,000 | $204,000 | $1,305,000 | $0 | $0 |
| Hispanic | 55 | $4,935,000 | $89,000 | $635,000 | $63,000 | $226,000 |
| Asian | 13 | $2,225,000 | $171,000 | $275,000 | $122,000 | $496,000 |
| Not Provided | 12 | $1,810,000 | $150,000 | $315,000 | $101,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $145,000 | $145,000 |
| American Indian or Alaskan Native | 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) | 943 | $114,705,000 | $121,000 | $1,305,000 | $82,000 | $2,727,000 |
| FHA-insured (Federal Housing Administration) | 60 | $8,860,000 | $147,000 | $295,000 | $58,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,875,000 | $104,000 | $275,000 | $42,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 23 | $4,995,000 | $217,000 | $495,000 | $90,000 | $235,000 |
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 | 790 | $103,150,000 | $130,000 | $1,305,000 | $84,000 | $929,000 |
| Application Denied By Financial Institution | 130 | $10,890,000 | $83,000 | $325,000 | $48,000 | $168,000 |
| Application Withdrawn By Applicant | 104 | $13,090,000 | $125,000 | $745,000 | $94,000 | $2,727,000 |
| Application Approved But Not Accepted | 30 | $4,330,000 | $144,000 | $795,000 | $72,000 | $296,000 |
| File Closed For Incompleteness | 9 | $975,000 | $108,000 | $265,000 | $68,000 | $137,000 |
| 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 | 933 | $121,545,000 | $130,000 | $1,305,000 | $84,000 | $2,727,000 |
| Credit History | 64 | $4,110,000 | $64,000 | $275,000 | $45,000 | $168,000 |
| Debt-To-Income Ratio | 39 | $3,835,000 | $98,000 | $325,000 | $44,000 | $139,000 |
| Collateral | 10 | $870,000 | $87,000 | $255,000 | $91,000 | $162,000 |
| Other | 8 | $900,000 | $112,000 | $215,000 | $43,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $305,000 | $101,000 | $225,000 | $42,000 | $62,000 |
| Unverifiable Information | 2 | $420,000 | $210,000 | $305,000 | $89,000 | $96,000 |
| Employment History | 2 | $250,000 | $125,000 | $145,000 | $30,000 | $45,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cb&S Bank's 2019 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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