CB&S Bank in Alabama vs the state
13.1%Denial rate-6.73 pts vs state
15.0%Decision denial rate-10.05 pts vs state
72.9%Origination rate+17.53 pts vs state
6.63%Median rate+0.13 pts vs state
0.18Rate spread (pts)-0.11 pts vs state
$98kMedian applicant income
517Loans originated
93Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 682 | 478 | 13.5% | 6.99% | #59 |
| 2024 | 692 | 501 | 14.6% | 7.13% | #59 |
| 2025 | 709 | 517 | 13.1% | 6.63% | #64 |
What CB&S Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most CB&S Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 184 | 124 | 32 | 17.4% |
| Madison County | 112 | 87 | 9 | 8.0% |
| Colbert County | 61 | 41 | 10 | 16.4% |
| Lawrence County | 53 | 33 | 14 | 26.4% |
| Lauderdale County | 48 | 33 | 10 | 20.8% |
| Limestone County | 38 | 30 | 1 | 2.6% |
| Tuscaloosa County | 28 | 26 | 1 | 3.6% |
| Elmore County | 27 | 21 | 3 | 11.1% |
| Morgan County | 24 | 17 | 1 | 4.2% |
| Montgomery County | 20 | 19 | 1 | 5.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 709 applications in 2025, of which 517 were originated and 93 denied.
13.1% of all applications, or 15.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans CB&S Bank originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are CB&S Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology