What loan types does CB&S Bank offer?

CB&S Bank offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does CB&S Bank offer mortgages?

CB&S Bank offers mortgages in 5 states: AL, FL, GA, MS, TN.

How competitive are CB&S Bank's mortgage rates?

CB&S Bank has an overall pricing score of 30.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CB&S Bank?

CB&S Bank is a Bank headquartered in Russellville, AL.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

234 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

12 loans · 0.31% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

207 loans · 0.23% above market

Sound

Top 60% of lenders

3/5

Refinance

61 loans · 0.21% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 6 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	234	87.3%	+0.252%Above	$1,588Fees
VA Loans	Sound	Sound	—	—	12	4.5%	-0.311%Below	$1,451Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	207	77.2%	+0.235%Above	$1,639Fees
Refinance	Acceptable	Sound	Mediocre	Sound	61	22.8%	+0.209%Above	$1,618Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

< 5050+None

South5

ALFLGAMSTN

Top Metro Areas by Place Specialization Score

Huntsville, ALMetro

Volume 37Mix 13.81% of portfolio

65/100

Strong

Decatur, ALMetro

Volume 19Mix 7.09% of portfolio

60/100

Strong

Florence, ALMetro

Volume 24Mix 8.96% of portfolio

60/100

Strong

Montgomery, ALMetro

Volume 15Mix 5.60% of portfolio

52/100

Sound

Birmingham, ALMetro

Volume 11Mix 4.10% of portfolio

45/100

Sound

Top States by Place Specialization Score

AlabamaState

Volume 167Mix 62.31% of portfolio

78/100

Strong

TennesseeState

Volume 59Mix 22.01% of portfolio

61/100

Strong

MississippiState

Volume 40Mix 14.93% of portfolio

59/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

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

Looking for a different lender?

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.