Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Commercial Bank & Trust Company of Paris, TN reported 476 mortgage applications totaling $105.7 million, down 3% from 2024. The average application was for $221,953, and applicants reported an average income of $204,449. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Memphis, TN-MS-AR (127), Jackson, TN (115) and Chattanooga, TN-GA (2) (applications in parentheses).
| Mortgage Company & Address | Commercial Bank & Trust Company P.O. Box 1000 Paris, TN 38242 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 476 |
| Total Mortgage Loan Application Amount | $105,650,000 |
| Average Mortgage Loan Application Amount | $221,953 |
| Highest Mortgage Loan Application Amount | $6,375,000 |
| Average Applicant Income | $204,449 |
| Highest Applicant Income | $4,263,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Shelby, Tennessee | 116 | $ 27,620,000 | $ 238,103 | $ 285,000 |
| Obion, Tennessee | 97 | $ 11,555,000 | $ 119,123 | $ 126,000 |
| Henry, Tennessee | 88 | $ 9,540,000 | $ 108,409 | $ 111,000 |
| Madison, Tennessee | 87 | $ 24,435,000 | $ 280,862 | $ 248,000 |
| Gibson, Tennessee | 21 | $ 4,095,000 | $ 195,000 | $ 109,000 |
| Weakley, Tennessee | 13 | $ 10,745,000 | $ 826,538 | $ 98,000 |
| Fayette, Tennessee | 5 | $ 545,000 | $ 109,000 | $ 134,000 |
| Crockett, Tennessee | 4 | $ 2,290,000 | $ 572,500 | $ 253,000 |
| DeSoto, Mississippi | 3 | $ 515,000 | $ 171,666 | $ 161,000 |
| Benton, Tennessee | 3 | $ 345,000 | $ 115,000 | $ 87,000 |
| Carroll, Tennessee | 3 | $ 595,000 | $ 198,333 | $ 97,000 |
| Chester, Tennessee | 3 | $ 695,000 | $ 231,666 | $ 180,000 |
| Hardin, Tennessee | 3 | $ 1,875,000 | $ 625,000 | $ 286,000 |
| Decatur, Tennessee | 2 | $ 780,000 | $ 390,000 | $ 635,000 |
| Hamilton, Tennessee | 2 | $ 1,110,000 | $ 555,000 | $ 399,000 |
| Haywood, Tennessee | 2 | $ 250,000 | $ 125,000 | $ 135,000 |
| Henderson, Tennessee | 2 | $ 890,000 | $ 445,000 | $ 236,000 |
| Madison, Alabama | 1 | $ 155,000 | $ 155,000 | $ 151,000 |
| Craighead, Arkansas | 1 | $ 255,000 | $ 255,000 | $ 1,301,000 |
| Crittenden, Arkansas | 1 | $ 35,000 | $ 35,000 | $ 115,000 |
| Washington, Arkansas | 1 | $ 385,000 | $ 385,000 | $ 176,000 |
| Franklin, Florida | 1 | $ 645,000 | $ 645,000 | $ 784,000 |
| Lake, Florida | 1 | $ 75,000 | $ 75,000 | $ 275,000 |
| Marion, Florida | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Walton, Florida | 1 | $ 1,985,000 | $ 1,985,000 | $ 1,079,000 |
| Calloway, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 590,000 |
| Carlisle, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Fayette, Kentucky | 1 | $ 495,000 | $ 495,000 | $ 1,075,000 |
| Lafayette, Mississippi | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Lee, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Marshall, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Tate, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 324,000 |
| St. Charles, Missouri | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 402,000 |
| Knox, Tennessee | 1 | $ 755,000 | $ 755,000 | $ 2,170,000 |
| Marshall, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 164,000 |
| McNairy, Tennessee | 1 | $ 475,000 | $ 475,000 | $ 170,000 |
| Wayne, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Dallas, Texas | 1 | $ 615,000 | $ 615,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2025
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 164 | $15,150,000 | $92,000 | $985,000 | $159,000 | $1,703,000 |
| Home Purchase | 164 | $68,010,000 | $414,000 | $6,375,000 | $242,000 | $2,170,000 |
| Refinancing | 79 | $13,065,000 | $165,000 | $1,205,000 | $214,000 | $1,286,000 |
| Other Purpose | 59 | $7,415,000 | $125,000 | $755,000 | $232,000 | $4,263,000 |
| Cash-out Refinancing | 10 | $2,010,000 | $201,000 | $385,000 | $96,000 | $186,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 428 | $81,690,000 | $190,000 | $1,985,000 | $204,000 | $4,263,000 |
| Black or African American | 19 | $2,275,000 | $119,000 | $495,000 | $136,000 | $1,075,000 |
| Not applicable | 18 | $17,870,000 | $992,000 | $6,375,000 | $0 | $0 |
| Hispanic | 6 | $590,000 | $98,000 | $195,000 | $104,000 | $167,000 |
| Asian | 4 | $2,970,000 | $742,000 | $2,245,000 | $605,000 | $1,345,000 |
| Not Provided | 1 | $255,000 | $255,000 | $255,000 | $435,000 | $435,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 468 | $104,170,000 | $222,000 | $6,375,000 | $206,000 | $4,263,000 |
| FHA-insured (Federal Housing Administration) | 5 | $675,000 | $135,000 | $175,000 | $55,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 2 | $590,000 | $295,000 | $385,000 | $107,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $215,000 | $215,000 | $215,000 | $87,000 | $87,000 |
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 | 390 | $88,800,000 | $227,000 | $6,375,000 | $217,000 | $4,263,000 |
| Application Denied By Financial Institution | 44 | $5,100,000 | $115,000 | $525,000 | $95,000 | $288,000 |
| Application Withdrawn By Applicant | 33 | $7,765,000 | $235,000 | $755,000 | $159,000 | $784,000 |
| Application Approved But Not Accepted | 6 | $3,790,000 | $631,000 | $2,245,000 | $578,000 | $1,622,000 |
| Loan Purchased By The Institution | 3 | $195,000 | $65,000 | $95,000 | $37,000 | $60,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 476 | $105,650,000 | $221,000 | $6,375,000 | $204,000 | $4,263,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2025 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 & Trust Company'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.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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