Mortgage Lender Index

CB&S Bank, Inc.

CB&S Bank, Inc. received 1,328 applications in 2025 and made 940 mortgages, in 106 counties across 10 states. The median rate its borrowers got was 6.770% on a median loan of $105,000. Of 1,171 decisions, 201 were denials — 17.2%, most often for credit history.

Legal Entity Identifier549300RTWPH3HXUWR160
Applications received1,328
Mortgages made940
Denied201
Approved, not taken up30
Withdrawn or incomplete157
Loans bought from other lenders0
Median rate spread over the prime offer rate0.2415 points
FDIC-insured bankYes: CB&S Bank, Inc., 58 offices

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase340 6.570%$205,000 16.7%
Refinancing312 7.390%$95,000 9.5%
Cash-out refinancing10 6.688%$155,000 21.4%
Other purposes278 7.850%$55,000 24.6%

Where CB&S Bank, Inc. lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Franklin County, AL 1246.875%20.0%
Madison County, AL 876.500%9.3%
McNairy County, TN 496.605%5.6%
Colbert County, AL 416.938%19.2%
Lauderdale County, AL 337.000%23.3%
Lawrence County, AL 336.495%28.6%
Limestone County, AL 306.375%3.2%
Lincoln County, TN 276.745%10.0%
Tuscaloosa County, AL 266.490%3.7%
Decatur County, TN 267.435%10.0%
Washington County, MS 257.700%27.8%
Alcorn County, MS 246.750%17.2%
Tishomingo County, MS 246.530%19.4%
Giles County, TN 236.875%8.0%
Tippah County, MS 227.390%36.1%
Elmore County, AL 217.000%12.5%
Montgomery County, AL 196.950%5.0%
Jefferson County, AL 176.995%5.3%
Morgan County, AL 176.500%5.3%
Itawamba County, MS 166.755%11.1%
Hardin County, TN 166.250%14.3%
Marshall County, TN 156.740%28.6%
Hardeman County, TN 146.540%34.8%
Rutherford County, TN 147.125%17.7%
Lee County, MS 127.390%14.3%
Coahoma County, MS 116.498%31.3%
Tallapoosa County, AL 9Under 10 loans0.0%
Lewis County, TN 9Under 10 loans28.6%
Williamson County, TN 8Under 10 loans18.2%
Lee County, AL 7Under 10 loans0.0%
Marion County, AL 7Under 10 loans38.5%
Shelby County, AL 7Under 10 loans0.0%
Marshall County, AL 6Under 10 loans0.0%
Winston County, AL 6Under 10 loans25.0%
Leflore County, MS 6Under 10 loans30.0%
Webster County, MS 6Under 10 loans46.2%
Henderson County, TN 6Under 10 loans33.3%
Cullman County, AL 5Under 10 loans0.0%
Maury County, TN 5Under 10 loans0.0%
Autauga County, AL 4Under 10 loans20.0%
Chester County, TN 4Under 10 loans37.5%
Davidson County, TN 4Under 10 loans0.0%
Bay County, FL 3Under 10 loans0.0%
Lafayette County, MS 3Under 10 loans0.0%
Fayette County, TN 3Under 10 loans0.0%
Madison County, TN 3Under 10 loans0.0%
Chilton County, AL 2Under 10 loans0.0%
Coffee County, AL 2Under 10 loans0.0%
Coosa County, AL 2Under 10 loans0.0%
Jackson County, AL 2Under 10 loans33.3%

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When CB&S Bank, Inc.’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.