What loan types does CB&S Bank, Inc. offer?

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

Where does CB&S Bank, Inc. offer mortgages?

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

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

CB&S Bank, Inc. 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, Inc.?

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

Unclaimed

CB&S Bank, Inc.

Bank•Russellville, AL•Direct to Consumer

Cbs Bank has 268 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Sound

Conventional · VA

Place

Sound

Regional · 5 mkts

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Safe Rate's Summary

Things to Think About

Pricing may be below industry average

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Report Card

CB&S Bank, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +23.0 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
VA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Regional6 markets

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

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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALFLGAMSTN

Top Metro Areas by Place Specialization Score

Huntsville, AL, ALMSA

Volume: 37Mix: 13.81%of portfolio

Place

Strong

Decatur, AL, ALMSA

Volume: 19Mix: 7.09%of portfolio

Place

Strong

Florence, ALMSA

Volume: 24Mix: 8.96%of portfolio

Place

Strong

Montgomery, AL, ALMSA

Volume: 15Mix: 5.60%of portfolio

Place

Sound

Birmingham, AL, ALMSA

Volume: 11Mix: 4.10%of portfolio

Place

Sound

Top States by Place Specialization Score

ALState

Volume: 167Mix: 62.31%of portfolio

Place

Strong

TNState

Volume: 59Mix: 22.01%of portfolio

Place

Strong

MSState

Volume: 40Mix: 14.93%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.