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CB&S Bank

Bank•Russellville, ALHQ•Direct•Reviews near you on Google

CB&S Bank has 268 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional · VA
Place
Sound
3/5
Regional · 5 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

CB&S Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+23.0 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume234
Mix87.3%
Spread
+0.252%Above
Fees
$1,588Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume12
Mix4.5%
Spread
-0.311%Below
Fees
$1,451Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume207
Mix77.2%
Spread
+0.235%Above
Fees
$1,639Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume61
Mix22.8%
Spread
+0.209%Above
Fees
$1,618Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
268
Applications
411
Volume
$72 million
Pricing & Closing
Avg Rate Spread
+0.230%
vs. market APOR
Avg Net Fees
$1,634
Origination − Credits
Pullthrough Rate
65.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$270,597
Avg Borrower Income
$139,228
Avg Property Value
$379,776

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South5
ALFLGAMSTN

Top Metro Areas by Place Specialization Score

1© Unknown authorUnknown author · Public domain
Huntsville, ALMetro
Volume 37Mix 13.81% of portfolio
65/100
Strong
2© Dan · CC BY 2.0
Decatur, ALMetro
Volume 19Mix 7.09% of portfolio
60/100
Strong
3© themidnite (original), Yassie (derivative work · CC BY-SA 3.0
Florence, ALMetro
Volume 24Mix 8.96% of portfolio
60/100
Strong
4© James Willamor · CC BY-SA 3.0
Montgomery, ALMetro
Volume 15Mix 5.60% of portfolio
52/100
Sound
5© Eric in SF · CC BY-SA 3.0
Birmingham, ALMetro
Volume 11Mix 4.10% of portfolio
45/100
Sound

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 167Mix 62.31% of portfolio
78/100
Strong
Tennessee
Tennessee
2
TennesseeState
Volume 59Mix 22.01% of portfolio
61/100
Strong
Mississippi
Mississippi
3
MississippiState
Volume 40Mix 14.93% of portfolio
59/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.