Cb&S Bank Mortgage Lending & HMDA Data, 2021
In 2021, Cb&S Bank of Russellville, AL reported 1,336 mortgage applications totaling $222.3 million, down 13% from 2020. The average application was for $166,407, and applicants reported an average income of $92,071. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Huntsville, AL (146), Birmingham-Hoover, AL (139) and Decatur, AL (100) (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 | 1,336 |
| Total Mortgage Loan Application Amount | $222,320,000 |
| Average Mortgage Loan Application Amount | $166,407 |
| Highest Mortgage Loan Application Amount | $5,155,000 |
| Average Applicant Income | $92,071 |
| Highest Applicant Income | $1,353,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 728 | $ 89,990,000 | $ 123,612 | $ 75,917 |
| Huntsville, AL | 146 | $ 29,360,000 | $ 201,095 | $ 134,000 |
| Birmingham-Hoover, AL | 139 | $ 33,955,000 | $ 244,280 | $ 100,000 |
| Decatur, AL | 100 | $ 16,970,000 | $ 169,700 | $ 105,000 |
| Florence-Muscle Shoals, AL | 91 | $ 14,725,000 | $ 161,813 | $ 102,000 |
| Montgomery, AL | 50 | $ 9,130,000 | $ 182,600 | $ 120,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 24 | $ 9,370,000 | $ 390,416 | $ 117,000 |
| Tuscaloosa, AL | 10 | $ 8,070,000 | $ 807,000 | $ 137,000 |
| Jackson, TN | 9 | $ 1,015,000 | $ 112,777 | $ 67,000 |
| Memphis, TN-MS-AR | 9 | $ 1,375,000 | $ 152,777 | $ 77,333 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,685,000 | $ 337,000 | $ 111,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 1,385,000 | $ 277,000 | $ 372,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 1,915,000 | $ 383,000 | $ 106,000 |
| Panama City, FL | 3 | $ 485,000 | $ 161,666 | $ 90,000 |
| Auburn-Opelika, AL | 2 | $ 410,000 | $ 205,000 | $ 81,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 365,000 | $ 365,000 | $ 471,000 |
| Bend-Redmond, OR | 1 | $ 355,000 | $ 355,000 | $ 161,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Jackson, MS | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Mobile, AL | 1 | $ 315,000 | $ 315,000 | $ 182,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Cb&S Bank in 2021
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 | 656 | $121,730,000 | $185,000 | $905,000 | $96,000 | $1,353,000 |
| Refinancing | 452 | $67,980,000 | $150,000 | $5,155,000 | $89,000 | $369,000 |
| Cash-out Refinancing | 149 | $27,685,000 | $185,000 | $545,000 | $94,000 | $415,000 |
| Home Improvement | 43 | $2,475,000 | $57,000 | $215,000 | $67,000 | $554,000 |
| Other Purpose | 36 | $2,450,000 | $68,000 | $325,000 | $81,000 | $482,000 |
| 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 | 1,023 | $166,115,000 | $162,000 | $905,000 | $95,000 | $1,353,000 |
| Black or African American | 117 | $12,675,000 | $108,000 | $545,000 | $64,000 | $221,000 |
| Not applicable | 87 | $25,515,000 | $293,000 | $5,155,000 | $0 | $0 |
| Hispanic | 57 | $6,945,000 | $121,000 | $345,000 | $76,000 | $274,000 |
| Asian | 27 | $5,695,000 | $210,000 | $645,000 | $121,000 | $612,000 |
| Not Provided | 23 | $5,115,000 | $222,000 | $695,000 | $106,000 | $423,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $175,000 | $72,000 | $93,000 |
| 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) | 1,224 | $201,670,000 | $164,000 | $5,155,000 | $94,000 | $1,353,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,385,000 | $131,000 | $235,000 | $42,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 37 | $8,855,000 | $239,000 | $545,000 | $88,000 | $387,000 |
| FHA-insured (Federal Housing Administration) | 34 | $6,410,000 | $188,000 | $285,000 | $74,000 | $165,000 |
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 | 1,025 | $178,015,000 | $173,000 | $5,155,000 | $99,000 | $1,353,000 |
| Application Denied By Financial Institution | 148 | $21,940,000 | $148,000 | $645,000 | $58,000 | $221,000 |
| Application Withdrawn By Applicant | 100 | $16,040,000 | $160,000 | $625,000 | $81,000 | $319,000 |
| Application Approved But Not Accepted | 41 | $4,065,000 | $99,000 | $645,000 | $83,000 | $612,000 |
| File Closed For Incompleteness | 18 | $1,630,000 | $90,000 | $295,000 | $66,000 | $146,000 |
| Loan Purchased By The Institution | 4 | $630,000 | $157,000 | $335,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,188 | $200,380,000 | $168,000 | $5,155,000 | $96,000 | $1,353,000 |
| Credit History | 67 | $7,855,000 | $117,000 | $365,000 | $61,000 | $221,000 |
| Debt-To-Income Ratio | 58 | $10,150,000 | $175,000 | $645,000 | $53,000 | $173,000 |
| Collateral | 11 | $1,495,000 | $135,000 | $325,000 | $53,000 | $100,000 |
| Unverifiable Information | 6 | $1,270,000 | $211,000 | $305,000 | $83,000 | $133,000 |
| Other | 5 | $1,005,000 | $201,000 | $475,000 | $30,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $118,000 | $118,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2021 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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