CB&S Bank, Inc. mortgage approval rate & lending review
CB&S Bank, Inc. decided 716 mortgage applications and funded 637 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CB&S Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CB&S Bank, Inc. at a glance
Approval is 11.5 points above the 79.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 266 / 286 | 97% | $395K | 257 |
| Home improvement loans | 82% | 102 / 125 | 97% | $75K | 99 |
| Refinance | 91% | 104 / 114 | 98% | $165K | 102 |
| Investment property purchase | 92% | 84 / 91 | 99% | $225K | 83 |
| Investment refinance | 100% | 86 / 86 | 100% | $125K | 86 |
CB&S Bank, Inc. lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where CB&S Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Madison County, AL | Mortgage lenders | 93% | 97 | 85 |
| Limestone County, AL | Mortgage lenders | 95% | 59 | 55 |
| Madison County, AL | Home improvement loans | 84% | 56 | 47 |
| Madison County, AL | Investment refinance | 100% | 38 | 38 |
| Madison County, AL | Refinance | 95% | 38 | 36 |
| Morgan County, AL | Mortgage lenders | 100% | 24 | 23 |
| Madison County, AL | Investment property purchase | 90% | 20 | 18 |
The county markets where CB&S Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about CB&S Bank, Inc.
What is CB&S Bank, Inc.'s mortgage approval rate?
CB&S Bank, Inc. approved 91.2% of the 716 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 79.7% national rate for the same mix of loan types.
How often do borrowers take the loan CB&S Bank, Inc. offers?
Borrowers accepted 98% of the loans CB&S Bank, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does CB&S Bank, Inc. make?
The typical home purchase mortgage loan CB&S Bank, Inc. made was $395K; across all loan types its typical loan ran from $75K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CB&S Bank, Inc. lend?
CB&S Bank, Inc. decided applications in 7 of the states Fat Boy Data covers, most of them in Alabama, Tennessee and Florida.
Can I apply to CB&S Bank, Inc. directly?
Yes. CB&S Bank, Inc. is a bank or credit union with 58 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show CB&S Bank, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how CB&S Bank, Inc. treats applications, then get a rate quote from the lender.