Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, Commercial Bank & Trust Company of Paris, TN reported 989 mortgage applications totaling $97.9 million. The average application was for $99,038, and applicants reported an average income of $88,015. 94% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Memphis, TN-AR-MS (207), Nashville, TN (6) and Clarksville-Hopkinsville, TN-KY (5) (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 | 989 |
| Total Mortgage Loan Application Amount | $97,949,000 |
| Average Mortgage Loan Application Amount | $99,038 |
| Highest Mortgage Loan Application Amount | $980,000 |
| Average Applicant Income | $88,015 |
| Highest Applicant Income | $2,588,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Henry, Tennessee | 334 | $ 21,216,000 | $ 63,520 | $ 33,000 |
| Obion, Tennessee | 256 | $ 19,589,000 | $ 76,519 | $ 56,000 |
| Shelby, Tennessee | 204 | $ 35,288,000 | $ 172,980 | $ 122,000 |
| Weakley, Tennessee | 62 | $ 4,506,000 | $ 72,677 | $ 49,000 |
| Benton, Tennessee | 20 | $ 1,087,000 | $ 54,350 | $ 36,000 |
| Carroll, Tennessee | 13 | $ 551,000 | $ 42,384 | $ 36,000 |
| Crittenden, Arkansas | 12 | $ 1,548,000 | $ 129,000 | $ 69,000 |
| Calloway, Kentucky | 8 | $ 420,000 | $ 52,500 | $ 55,000 |
| DeSoto, Mississippi | 8 | $ 1,199,000 | $ 149,875 | $ 98,000 |
| Dyer, Tennessee | 5 | $ 353,000 | $ 70,600 | $ 42,000 |
| Gibson, Tennessee | 5 | $ 473,000 | $ 94,600 | $ 66,000 |
| Montgomery, Tennessee | 5 | $ 340,000 | $ 68,000 | $ 35,000 |
| Fulton, Kentucky | 4 | $ 325,000 | $ 81,250 | $ 35,000 |
| Knox, Tennessee | 4 | $ 570,000 | $ 142,500 | $ 96,000 |
| Lake, Tennessee | 4 | $ 179,000 | $ 44,750 | $ 61,000 |
| Okaloosa, Florida | 3 | $ 1,431,000 | $ 477,000 | $ 292,000 |
| Davidson, Tennessee | 3 | $ 587,000 | $ 195,666 | $ 354,000 |
| Fayette, Tennessee | 3 | $ 703,000 | $ 234,333 | $ 85,000 |
| Cleburne, Arkansas | 2 | $ 284,000 | $ 142,000 | $ 121,000 |
| Walton, Florida | 2 | $ 1,000,000 | $ 500,000 | $ 773,000 |
| Cobb, Georgia | 2 | $ 419,000 | $ 209,500 | $ 130,000 |
| McCracken, Kentucky | 2 | $ 458,000 | $ 229,000 | $ 100,000 |
| Lafayette, Mississippi | 2 | $ 901,000 | $ 450,500 | $ 370,000 |
| Williamson, Tennessee | 2 | $ 598,000 | $ 299,000 | $ 94,000 |
| Shelby, Alabama | 1 | $ 124,000 | $ 124,000 | $ 182,000 |
| Pima, Arizona | 1 | $ 600,000 | $ 600,000 | $ 834,000 |
| Cross, Arkansas | 1 | $ 123,000 | $ 123,000 | $ 25,000 |
| Larimer, Colorado | 1 | $ 91,000 | $ 91,000 | $ 147,000 |
| Escambia, Florida | 1 | $ 88,000 | $ 88,000 | $ 45,000 |
| Palm Beach, Florida | 1 | $ 188,000 | $ 188,000 | $ 50,000 |
| Benton, Mississippi | 1 | $ 63,000 | $ 63,000 | $ 107,000 |
| Hinds, Mississippi | 1 | $ 204,000 | $ 204,000 | $ 144,000 |
| Madison, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Marshall, Mississippi | 1 | $ 74,000 | $ 74,000 | $ 68,000 |
| Pontotoc, Mississippi | 1 | $ 160,000 | $ 160,000 | $ 80,000 |
| Rankin, Mississippi | 1 | $ 97,000 | $ 97,000 | $ 48,000 |
| Tate, Mississippi | 1 | $ 17,000 | $ 17,000 | $ 227,000 |
| Santa Fe, New Mexico | 1 | $ 554,000 | $ 554,000 | $ 436,000 |
| Yancey, North Carolina | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 228,000 | $ 228,000 | $ 108,000 |
| Horry, South Carolina | 1 | $ 91,000 | $ 91,000 | $ 39,000 |
| Hardin, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 1,576,000 |
| Madison, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 21,000 |
| Maury, Tennessee | 1 | $ 122,000 | $ 122,000 | $ 43,000 |
| Roane, Tennessee | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Robertson, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 34,000 |
| Stewart, Tennessee | 1 | $ 102,000 | $ 102,000 | $ 70,000 |
| Sweetwater, Wyoming | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2003
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 (home purchase or home improvement, one-to-four family) | 582 | $60,976,000 | $196,818 | $817,000 | $173,818 | $1,576,000 |
| Home Purchase (one-to-four family) | 304 | $34,158,000 | $242,250 | $980,000 | $191,375 | $2,588,000 |
| Home Improvement (one-to-four family) | 100 | $1,443,000 | $24,500 | $150,000 | $49,000 | $283,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $1,372,000 | $457,000 | $800,000 | $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 | 962 | $94,279,000 | $223,769 | $980,000 | $193,538 | $2,588,000 |
| Black | 13 | $474,000 | $27,500 | $92,000 | $131,000 | $227,000 |
| Hispanic | 4 | $904,000 | $216,666 | $322,000 | $364,666 | $1,576,000 |
| Information not provided by applicant in mail or telephone application | 3 | $155,000 | $51,000 | $87,000 | $36,000 | $52,000 |
| Not applicable | 3 | $1,745,000 | $640,500 | $817,000 | $290,500 | $537,000 |
| Other | 2 | $128,000 | $64,000 | $83,000 | $46,000 | $93,000 |
| Asian or Pacific Islander | 2 | $264,000 | $132,000 | $204,000 | $58,000 | $84,000 |
| American Indian or Alaskan Native | 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) | 962 | $95,745,000 | $227,071 | $980,000 | $193,214 | $2,588,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $900,000 | $60,000 | $84,000 | $29,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 8 | $922,000 | $88,000 | $185,000 | $21,500 | $85,000 |
| FHA-insured (Federal Housing Administration) | 4 | $382,000 | $95,000 | $111,000 | $45,000 | $76,000 |
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 | 927 | $94,149,000 | $226,857 | $980,000 | $193,285 | $2,588,000 |
| Application Denied By Financial Institution | 47 | $2,430,000 | $51,000 | $280,000 | $33,000 | $93,000 |
| Application Withdrawn By Applicant | 14 | $1,296,000 | $92,000 | $200,000 | $62,000 | $165,000 |
| Application Approved But Not Accepted | 1 | $74,000 | $74,000 | $74,000 | $34,000 | $34,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 31 | $1,469,000 | $47,000 | $158,000 | $30,000 | $84,000 |
| Debt-To-Income Ratio | 8 | $306,000 | $38,000 | $84,000 | $34,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $309,000 | $154,000 | $280,000 | $7,000 | $14,000 |
| Employment History | 1 | $72,000 | $72,000 | $72,000 | $21,000 | $21,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2003 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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