Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Commercial Bank & Trust Company of Paris, TN reported 712 mortgage applications totaling $70.7 million, down 28% from 2003. The average application was for $99,259, and applicants reported an average income of $63,733. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Memphis, TN-MS-AR (128), Jackson, TN (7) and Clarksville, 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 | 712 |
| Total Mortgage Loan Application Amount | $70,673,000 |
| Average Mortgage Loan Application Amount | $99,259 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $63,733 |
| Highest Applicant Income | $1,791,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 296 | $ 18,567,000 | $ 62,726 | $ 37,000 |
| Obion, Tennessee | 154 | $ 10,258,000 | $ 66,610 | $ 45,000 |
| Shelby, Tennessee | 123 | $ 26,596,000 | $ 216,227 | $ 126,000 |
| Weakley, Tennessee | 27 | $ 2,071,000 | $ 76,703 | $ 57,000 |
| Carroll, Tennessee | 15 | $ 812,000 | $ 54,133 | $ 39,000 |
| Benton, Tennessee | 14 | $ 848,000 | $ 60,571 | $ 44,000 |
| Madison, Tennessee | 8 | $ 698,000 | $ 87,250 | $ 52,000 |
| Gibson, Tennessee | 7 | $ 589,000 | $ 84,142 | $ 36,000 |
| Crittenden, Arkansas | 6 | $ 851,000 | $ 141,833 | $ 67,000 |
| Calloway, Kentucky | 6 | $ 460,000 | $ 76,666 | $ 54,000 |
| DeSoto, Mississippi | 5 | $ 630,000 | $ 126,000 | $ 51,000 |
| Davidson, Tennessee | 4 | $ 1,005,000 | $ 251,250 | $ 154,000 |
| Dyer, Tennessee | 4 | $ 428,000 | $ 107,000 | $ 61,000 |
| Stewart, Tennessee | 4 | $ 297,000 | $ 74,250 | $ 36,000 |
| Walton, Florida | 3 | $ 597,000 | $ 199,000 | $ 93,000 |
| Fayette, Tennessee | 3 | $ 664,000 | $ 221,333 | $ 107,000 |
| Fulton, Kentucky | 2 | $ 39,000 | $ 19,500 | $ 91,000 |
| Rankin, Mississippi | 2 | $ 165,000 | $ 82,500 | $ 49,000 |
| Henderson, Tennessee | 2 | $ 111,000 | $ 55,500 | $ 42,000 |
| Tipton, Tennessee | 2 | $ 239,000 | $ 119,500 | $ 70,000 |
| Baldwin, Alabama | 1 | $ 304,000 | $ 304,000 | $ 149,000 |
| Jefferson, Alabama | 1 | $ 94,000 | $ 94,000 | $ 68,000 |
| Cleburne, Arkansas | 1 | $ 200,000 | $ 200,000 | $ 715,000 |
| Sharp, Arkansas | 1 | $ 212,000 | $ 212,000 | $ 333,000 |
| Jefferson, Colorado | 1 | $ 288,000 | $ 288,000 | $ 163,000 |
| Lee, Florida | 1 | $ 200,000 | $ 200,000 | $ 192,000 |
| Okaloosa, Florida | 1 | $ 275,000 | $ 275,000 | $ 812,000 |
| DeKalb, Georgia | 1 | $ 234,000 | $ 234,000 | $ 60,000 |
| Christian, Kentucky | 1 | $ 67,000 | $ 67,000 | $ 33,000 |
| Graves, Kentucky | 1 | $ 54,000 | $ 54,000 | $ 52,000 |
| Livingston, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 21,000 |
| McCracken, Kentucky | 1 | $ 172,000 | $ 172,000 | $ 80,000 |
| Orleans, Louisiana | 1 | $ 183,000 | $ 183,000 | $ 132,000 |
| Hinds, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Lafayette, Mississippi | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Tishomingo, Mississippi | 1 | $ 108,000 | $ 108,000 | $ 69,000 |
| Santa Fe, New Mexico | 1 | $ 460,000 | $ 460,000 | $ 323,000 |
| Haywood, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Houston, Tennessee | 1 | $ 94,000 | $ 94,000 | $ 50,000 |
| Lake, Tennessee | 1 | $ 34,000 | $ 34,000 | $ 74,000 |
| McNairy, Tennessee | 1 | $ 59,000 | $ 59,000 | $ 27,000 |
| Montgomery, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Sumner, Tennessee | 1 | $ 152,000 | $ 152,000 | $ 50,000 |
| Waukesha, Wisconsin | 1 | $ 1,000,000 | $ 1,000,000 | $ 400,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2004
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 Purchase | 338 | $35,529,000 | $262,111 | $1,000,000 | $134,888 | $762,000 |
| Refinancing | 300 | $34,027,000 | $184,333 | $1,000,000 | $182,666 | $1,791,000 |
| Home Improvement | 74 | $1,117,000 | $8,500 | $101,000 | $55,000 | $255,000 |
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 | 673 | $68,024,000 | $262,083 | $1,000,000 | $174,083 | $1,791,000 |
| Black or African American | 21 | $1,144,000 | $60,000 | $260,000 | $36,000 | $119,000 |
| Hispanic | 8 | $472,000 | $100,000 | $155,000 | $61,500 | $86,000 |
| American Indian or Alaskan Native | 3 | $93,000 | $31,000 | $48,000 | $24,000 | $26,000 |
| Asian | 3 | $659,000 | $219,000 | $239,000 | $130,000 | $200,000 |
| Not applicable | 2 | $186,000 | $93,000 | $130,000 | $79,000 | $88,000 |
| Not Provided | 1 | $16,000 | $16,000 | $16,000 | $75,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $79,000 | $79,000 | $79,000 | $62,000 | $62,000 |
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) | 628 | $63,622,000 | $262,000 | $1,000,000 | $171,083 | $1,791,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $4,898,000 | $69,000 | $149,000 | $34,500 | $72,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,517,000 | $101,500 | $145,000 | $48,500 | $109,000 |
| VA-guaranteed (Veterans Administration) | 5 | $636,000 | $127,000 | $180,000 | $68,000 | $102,000 |
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 | 662 | $67,535,000 | $261,916 | $1,000,000 | $171,666 | $1,791,000 |
| Application Denied By Financial Institution | 27 | $1,549,000 | $89,000 | $147,000 | $18,000 | $75,000 |
| Application Withdrawn By Applicant | 21 | $1,499,000 | $72,000 | $144,000 | $34,000 | $55,000 |
| File Closed For Incompleteness | 2 | $90,000 | $45,000 | $57,000 | $13,000 | $27,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 14 | $744,000 | $53,000 | $126,000 | $28,000 | $55,000 |
| Debt-To-Income Ratio | 5 | $257,000 | $51,000 | $147,000 | $44,000 | $72,000 |
| Collateral | 5 | $365,000 | $92,000 | $124,000 | $22,000 | $75,000 |
| Other | 2 | $74,000 | $37,000 | $70,000 | $37,000 | $66,000 |
| Unverifiable Information | 1 | $109,000 | $109,000 | $109,000 | $29,000 | $29,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2004 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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