Cb&S Bank Mortgage Lending & HMDA Data, 2012
In 2012, Cb&S Bank of Russellville, AL reported 691 mortgage applications totaling $46.7 million, up 25% from 2011. The average application was for $67,596, and applicants reported an average income of $63,151. 70% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Decatur, AL (60), Florence-Muscle Shoals, AL (50) and Huntsville, AL (36) (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 | 691 |
| Total Mortgage Loan Application Amount | $46,709,000 |
| Average Mortgage Loan Application Amount | $67,596 |
| Highest Mortgage Loan Application Amount | $1,338,000 |
| Average Applicant Income | $63,151 |
| Highest Applicant Income | $1,935,000 |
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Disclosure Act (HMDA) records Cb&S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Cb&S Bank in 2012
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 | 465 | $32,231,000 | $69,000 | $1,338,000 | $62,000 | $1,935,000 |
| Home Purchase | 180 | $13,589,000 | $75,000 | $750,000 | $70,000 | $852,000 |
| Home Improvement | 46 | $889,000 | $19,000 | $108,000 | $48,000 | $330,000 |
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 | 518 | $33,878,000 | $65,000 | $750,000 | $72,000 | $1,935,000 |
| Black or African American | 87 | $3,343,000 | $38,000 | $206,000 | $54,000 | $504,000 |
| Not applicable | 39 | $6,861,000 | $175,000 | $1,338,000 | $0 | $0 |
| Hispanic | 34 | $1,280,000 | $37,000 | $86,000 | $33,000 | $84,000 |
| Not Provided | 5 | $441,000 | $88,000 | $187,000 | $41,000 | $74,000 |
| Asian | 4 | $583,000 | $145,000 | $224,000 | $49,000 | $117,000 |
| American Indian or Alaskan Native | 3 | $167,000 | $55,000 | $100,000 | $21,000 | $29,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $156,000 | $156,000 | $156,000 | $67,000 | $67,000 |
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) | 680 | $45,764,000 | $67,000 | $1,338,000 | $63,000 | $1,935,000 |
| FHA-insured (Federal Housing Administration) | 7 | $593,000 | $84,000 | $142,000 | $53,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $182,000 | $60,000 | $85,000 | $30,000 | $40,000 |
| VA-guaranteed (Veterans Administration) | 1 | $170,000 | $170,000 | $170,000 | $72,000 | $72,000 |
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 | 484 | $32,579,000 | $67,000 | $1,338,000 | $71,000 | $1,935,000 |
| Application Denied By Financial Institution | 115 | $7,905,000 | $68,000 | $431,000 | $35,000 | $129,000 |
| Application Withdrawn By Applicant | 79 | $5,480,000 | $69,000 | $260,000 | $59,000 | $251,000 |
| Application Approved But Not Accepted | 13 | $745,000 | $57,000 | $125,000 | $69,000 | $210,000 |
| 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 | 73 | $3,888,000 | $53,000 | $254,000 | $33,000 | $107,000 |
| Debt-To-Income Ratio | 26 | $2,201,000 | $84,000 | $431,000 | $32,000 | $73,000 |
| Collateral | 10 | $936,000 | $93,000 | $148,000 | $51,000 | $129,000 |
| Other | 3 | $334,000 | $111,000 | $156,000 | $32,000 | $67,000 |
| Unverifiable Information | 2 | $340,000 | $170,000 | $224,000 | $41,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $206,000 | $206,000 | $206,000 | $51,000 | $51,000 |
| 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 2012 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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