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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 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.