Commercial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Commercial Bank 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Commercial Bank 6710 Cumberland Gap Parkway, Po Box 400 Harrogate, TN 37752 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,184 |
| Total Mortgage Loan Application Amount | $100,222,000 |
| Average Mortgage Loan Application Amount | $83,666 |
| Highest Mortgage Loan Application Amount | $1,480,000 |
| Average Applicant Income | $58,666 |
| Highest Applicant Income | $1,110,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Commercial Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Commercial Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Commercial Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Commercial Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Commercial Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Commercial Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Claiborne County Tennessee | 243 | $ 12,460,000 | $ 51,000 | $ 49,000 |
| Knox County Kentucky | 178 | $ 9,145,000 | $ 51,000 | $ 47,000 |
| Knox County Tennessee | 158 | $ 20,275,000 | $ 128,000 | $ 68,000 |
| Union County Tennessee | 134 | $ 6,844,000 | $ 51,000 | $ 40,000 |
| Bell County Kentucky | 128 | $ 8,089,000 | $ 63,000 | $ 64,000 |
| Harlan County Kentucky | 124 | $ 7,032,000 | $ 56,000 | $ 56,000 |
| Grainger County Tennessee | 16 | $ 848,000 | $ 53,000 | $ 36,000 |
| Lee County Virginia | 14 | $ 945,000 | $ 67,000 | $ 55,000 |
| Letcher County Kentucky | 13 | $ 218,000 | $ 16,000 | $ 47,000 |
| Laurel County Kentucky | 10 | $ 659,000 | $ 65,000 | $ 48,000 |
| Whitley County Kentucky | 10 | $ 1,291,000 | $ 129,000 | $ 71,000 |
| Anderson County Tennessee | 9 | $ 1,170,000 | $ 130,000 | $ 60,000 |
| Campbell County Tennessee | 8 | $ 753,000 | $ 94,000 | $ 58,000 |
| Cook County Illinois | 7 | $ 1,122,000 | $ 160,000 | $ 67,000 |
| Blount County Tennessee | 7 | $ 928,000 | $ 132,000 | $ 50,000 |
| Sevier County Tennessee | 6 | $ 1,015,000 | $ 169,000 | $ 78,000 |
| Hancock County Tennessee | 4 | $ 163,000 | $ 40,000 | $ 84,000 |
| Jefferson County Tennessee | 4 | $ 668,000 | $ 167,000 | $ 69,000 |
| Maricopa County Arizona | 3 | $ 1,869,000 | $ 623,000 | $ 219,000 |
| Hudson County New Jersey | 3 | $ 968,000 | $ 322,000 | $ 128,000 |
| Loudon County Tennessee | 3 | $ 421,000 | $ 140,000 | $ 76,000 |
| Roane County Tennessee | 3 | $ 445,000 | $ 148,000 | $ 81,000 |
| Sullivan County Tennessee | 3 | $ 64,000 | $ 21,000 | $ 93,000 |
| Hartford County Connecticut | 2 | $ 803,000 | $ 401,000 | $ 209,000 |
| Cherokee County Georgia | 2 | $ 416,000 | $ 208,000 | $ 60,000 |
| Cobb County Georgia | 2 | $ 296,000 | $ 148,000 | $ 49,000 |
| Coweta County Georgia | 2 | $ 441,000 | $ 220,000 | $ 143,000 |
| Fulton County Georgia | 2 | $ 393,000 | $ 196,000 | $ 75,000 |
| Madison County Kentucky | 2 | $ 258,000 | $ 129,000 | $ 71,000 |
| Pulaski County Kentucky | 2 | $ 441,000 | $ 220,000 | $ 41,000 |
| Essex County New Jersey | 2 | $ 673,000 | $ 336,000 | $ 87,000 |
| Delaware County Pennsylvania | 2 | $ 244,000 | $ 122,000 | $ 92,000 |
| Philadelphia County Pennsylvania | 2 | $ 915,000 | $ 457,000 | $ 121,000 |
| Hamblen County Tennessee | 2 | $ 150,000 | $ 75,000 | $ 51,000 |
| Utah County Utah | 2 | $ 1,075,000 | $ 537,000 | $ 165,000 |
| Pima County Arizona | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Phillips County Arkansas | 1 | $ 101,000 | $ 101,000 | $ 90,000 |
| Alameda County California | 1 | $ 316,000 | $ 316,000 | $ 83,000 |
| Contra Costa County California | 1 | $ 574,000 | $ 574,000 | $ 151,000 |
| Humboldt County California | 1 | $ 295,000 | $ 295,000 | $ 144,000 |
| Riverside County California | 1 | $ 272,000 | $ 272,000 | $ 97,000 |
| Sacramento County California | 1 | $ 234,000 | $ 234,000 | $ 95,000 |
| San Diego County California | 1 | $ 436,000 | $ 436,000 | $ 88,000 |
| Santa Clara County California | 1 | $ 355,000 | $ 355,000 | $ 106,000 |
| Weld County Colorado | 1 | $ 300,000 | $ 300,000 | $ 132,000 |
| District of Columbia County District Of Columbia | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Broward County Florida | 1 | $ 1,147,000 | $ 1,147,000 | $ 562,000 |
| Escambia County Florida | 1 | $ 83,000 | $ 83,000 | $ 87,000 |
| Palm Beach County Florida | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Chatham County Georgia | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Clarke County Georgia | 1 | $ 109,000 | $ 109,000 | $ 25,000 |
| Clayton County Georgia | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Fayette County Georgia | 1 | $ 114,000 | $ 114,000 | $ 41,000 |
| Gwinnett County Georgia | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| Walton County Georgia | 1 | $ 339,000 | $ 339,000 | $ 76,000 |
| Kane County Illinois | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Madison County Illinois | 1 | $ 74,000 | $ 74,000 | $ 112,000 |
| Rock Island County Illinois | 1 | $ 63,000 | $ 63,000 | $ 35,000 |
| Will County Illinois | 1 | $ 174,000 | $ 174,000 | $ 65,000 |
| Winnebago County Illinois | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Breathitt County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Clay County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 19,000 |
| Fayette County Kentucky | 1 | $ 101,000 | $ 101,000 | $ 91,000 |
| Perry County Kentucky | 1 | $ 1,000 | $ 1,000 | $ 95,000 |
| Essex County Massachusetts | 1 | $ 363,000 | $ 363,000 | $ 98,000 |
| Suffolk County Massachusetts | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Worcester County Massachusetts | 1 | $ 340,000 | $ 340,000 | $ 140,000 |
| Hennepin County Minnesota | 1 | $ 224,000 | $ 224,000 | $ 66,000 |
| Gallatin County Montana | 1 | $ 204,000 | $ 204,000 | $ 57,000 |
| Lancaster County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Bergen County New Jersey | 1 | $ 710,000 | $ 710,000 | $ 332,000 |
| Camden County New Jersey | 1 | $ 137,000 | $ 137,000 | $ 54,000 |
| Middlesex County New Jersey | 1 | $ 264,000 | $ 264,000 | $ 82,000 |
| Monmouth County New Jersey | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
| Somerset County New Jersey | 1 | $ 364,000 | $ 364,000 | $ 160,000 |
| Warren County New Jersey | 1 | $ 423,000 | $ 423,000 | $ 246,000 |
| Ulster County New York | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Forsyth County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 32,000 |
| Johnston County North Carolina | 1 | $ 166,000 | $ 166,000 | $ 67,000 |
| Mecklenburg County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 55,000 |
| Pitt County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Wake County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 82,000 |
| Hamilton County Ohio | 1 | $ 183,000 | $ 183,000 | $ 129,000 |
| Summit County Ohio | 1 | $ 203,000 | $ 203,000 | $ 94,000 |
| Monroe County Pennsylvania | 1 | $ 233,000 | $ 233,000 | $ 78,000 |
| Montgomery County Pennsylvania | 1 | $ 117,000 | $ 117,000 | $ 54,000 |
| Washington County Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 118,000 |
| Westmoreland County Pennsylvania | 1 | $ 54,000 | $ 54,000 | $ 35,000 |
| Charleston County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| York County South Carolina | 1 | $ 151,000 | $ 151,000 | $ 48,000 |
| Bedford County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Cumberland County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 279,000 |
| Davidson County Tennessee | 1 | $ 176,000 | $ 176,000 | $ 98,000 |
| Hawkins County Tennessee | 1 | $ 2,000 | $ 2,000 | $ 10,000 |
| Overton County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 144,000 |
| Rhea County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 13,000 |
| Washington County Tennessee | 1 | $ 400,000 | $ 400,000 | $ 100,000 |
| Fairfax County Virginia | 1 | $ 1,480,000 | $ 1,480,000 | $ 1,110,000 |
| Fauquier County Virginia | 1 | $ 650,000 | $ 650,000 | $ 165,000 |
| Loudoun County Virginia | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Manassas Park County Virginia | 1 | $ 206,000 | $ 206,000 | $ 56,000 |
| Norton County Virginia | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Scott County Virginia | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Grays Harbor County Washington | 1 | $ 261,000 | $ 261,000 | $ 168,000 |
| King County Washington | 1 | $ 336,000 | $ 336,000 | $ 135,000 |
| Pierce County Washington | 1 | $ 224,000 | $ 224,000 | $ 72,000 |
| Kenosha County Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Commercial Bank in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 542 | $46,880,000 | $86,000 | $686,000 | $58,000 | $1,100,000 |
| Home Purchase | 322 | $44,909,000 | $139,000 | $1,480,000 | $74,000 | $1,110,000 |
| Home Improvement | 320 | $8,433,000 | $26,000 | $339,000 | $44,000 | $360,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,093 | $87,568,000 | $80,000 | $1,480,000 | $60,000 | $1,110,000 |
| Not applicable | 48 | $3,305,000 | $68,000 | $393,000 | $0 | $0 |
| Black or African American | 18 | $2,744,000 | $152,000 | $650,000 | $64,000 | $165,000 |
| Hispanic | 14 | $2,936,000 | $209,000 | $436,000 | $100,000 | $279,000 |
| Asian | 9 | $3,403,000 | $378,000 | $1,290,000 | $132,000 | $563,000 |
| American Indian or Alaskan Native | 1 | $166,000 | $166,000 | $166,000 | $67,000 | $67,000 |
| Not Provided | 1 | $100,000 | $100,000 | $100,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,169 | $98,239,000 | $84,000 | $1,480,000 | $59,000 | $1,110,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,174,000 | $146,000 | $232,000 | $67,000 | $196,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $306,000 | $76,000 | $133,000 | $33,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 3 | $503,000 | $167,000 | $221,000 | $41,000 | $46,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 853 | $57,901,000 | $67,000 | $1,480,000 | $57,000 | $1,110,000 |
| Application Denied By Financial Institution | 163 | $12,284,000 | $75,000 | $425,000 | $47,000 | $253,000 |
| Loan Purchased By The Institution | 90 | $23,261,000 | $258,000 | $1,290,000 | $102,000 | $563,000 |
| Application Approved But Not Accepted | 58 | $4,317,000 | $74,000 | $417,000 | $54,000 | $139,000 |
| File Closed For Incompleteness | 11 | $1,075,000 | $97,000 | $196,000 | $41,000 | $127,000 |
| Application Withdrawn By Applicant | 9 | $1,384,000 | $153,000 | $300,000 | $56,000 | $90,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 92 | $5,618,000 | $61,000 | $400,000 | $42,000 | $135,000 |
| Debt-To-Income Ratio | 36 | $3,282,000 | $91,000 | $425,000 | $43,000 | $132,000 |
| Collateral | 26 | $2,554,000 | $98,000 | $295,000 | $76,000 | $253,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $379,000 | $94,000 | $159,000 | $38,000 | $69,000 |
| Unverifiable Information | 3 | $251,000 | $83,000 | $89,000 | $33,000 | $56,000 |
| Other | 1 | $145,000 | $145,000 | $145,000 | $41,000 | $41,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Commercial Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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