CB&S Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
29th17.2% deniedPricingmedian rate spread over APOR, weight 30%
52nd0.24 ptsProcesswithdrawn + incomplete share, weight 15%
75th11.8%Closing coststotal loan costs ÷ loan amount, weight 10%
23rd3.04% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,211 | 831 | 14.9% | 17.2% | 7.00% | $169M |
| 2024 | 1,218 | 873 | 15.1% | 17.1% | 7.25% | $187M |
| 2025 | 1,328 | 940 | 15.1% | 17.2% | 6.77% | $202M |
What CB&S Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 585 home-equity lines, 0 reverse mortgages, 79 manufactured homes, 228 investment properties.
Why CB&S Bank denies applications
Primary reason reported for each of the 201 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CB&S Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 229 | 109 | 39.0% |
| $50k – $100k | 417 | 286 | 18.6% |
| $100k – $150k | 211 | 162 | 12.8% |
| $150k – $250k | 193 | 159 | 6.8% |
| Over $250k | 107 | 86 | 6.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 39 | 31 | 13.5% |
| 25–34 | 187 | 119 | 22.5% |
| 35–44 | 249 | 171 | 17.5% |
| 45–54 | 224 | 155 | 18.5% |
| 55–64 | 261 | 183 | 17.0% |
| 65–74 | 169 | 125 | 18.1% |
| Over 74 | 66 | 48 | 14.0% |
Where CB&S Bank lends
10 states and 106 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 709 | 517 | 13.1% | 6.63% | #64 |
| Tennessee | 330 | 238 | 13.3% | 6.99% | #154 |
| Mississippi | 268 | 169 | 23.9% | 7.20% | #72 |
| Florida | 12 | 9 | 0.0% | 6.88% | #872 |
Frequently asked questions
CB&S Bank denied 17.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of mid-size mortgage lenders.
The most common reason CB&S Bank gave in 2025 was "credit history", cited on 45.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans CB&S Bank originated in 2025 was 6.77%, and its median rate spread over the average prime offer rate was 0.24 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 38% of its applications were for home purchases, 30% for refinancing (including cash-out), and 31% for home improvement or other purposes. By loan type: 96% conventional, 0% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.