Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Commercial Bank & Trust Company of Paris, TN reported 645 mortgage applications totaling $63.9 million, down 10% from 2005. The average application was for $99,034, and applicants reported an average income of $82,026. 82% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Memphis, TN-MS-AR (146), Jackson, TN (7) and Clarksville, TN-KY (6) (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 | 645 |
| Total Mortgage Loan Application Amount | $63,877,000 |
| Average Mortgage Loan Application Amount | $99,034 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $82,026 |
| Highest Applicant Income | $1,877,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 253 | $ 16,655,000 | $ 65,830 | $ 49,000 |
| Shelby, Tennessee | 134 | $ 24,857,000 | $ 185,500 | $ 146,000 |
| Obion, Tennessee | 113 | $ 8,465,000 | $ 74,911 | $ 75,000 |
| Weakley, Tennessee | 42 | $ 2,890,000 | $ 68,809 | $ 60,000 |
| Carroll, Tennessee | 13 | $ 590,000 | $ 45,384 | $ 51,000 |
| Benton, Tennessee | 10 | $ 582,000 | $ 58,200 | $ 47,000 |
| Calloway, Kentucky | 8 | $ 518,000 | $ 64,750 | $ 26,000 |
| Fulton, Kentucky | 8 | $ 382,000 | $ 47,750 | $ 93,000 |
| Gibson, Tennessee | 5 | $ 611,000 | $ 122,200 | $ 73,000 |
| Madison, Tennessee | 5 | $ 497,000 | $ 99,400 | $ 71,000 |
| Crittenden, Arkansas | 3 | $ 601,000 | $ 200,333 | $ 139,000 |
| DeSoto, Mississippi | 3 | $ 957,000 | $ 319,000 | $ 687,000 |
| Fayette, Tennessee | 3 | $ 1,162,000 | $ 387,333 | $ 156,000 |
| Houston, Tennessee | 3 | $ 280,000 | $ 93,333 | $ 61,000 |
| Sevier, Tennessee | 3 | $ 111,000 | $ 37,000 | $ 43,000 |
| Stewart, Tennessee | 3 | $ 411,000 | $ 137,000 | $ 77,000 |
| Washington, Arkansas | 2 | $ 169,000 | $ 84,500 | $ 58,000 |
| Christian, Kentucky | 2 | $ 104,000 | $ 52,000 | $ 49,000 |
| Marshall, Mississippi | 2 | $ 148,000 | $ 74,000 | $ 52,000 |
| Chester, Tennessee | 2 | $ 148,000 | $ 74,000 | $ 75,000 |
| Davidson, Tennessee | 2 | $ 536,000 | $ 268,000 | $ 196,000 |
| Lake, Tennessee | 2 | $ 185,000 | $ 92,500 | $ 52,000 |
| Jefferson, Alabama | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Baxter, Arkansas | 1 | $ 81,000 | $ 81,000 | $ 50,000 |
| Cleburne, Arkansas | 1 | $ 136,000 | $ 136,000 | $ 145,000 |
| Grant, Arkansas | 1 | $ 103,000 | $ 103,000 | $ 50,000 |
| Fulton, Georgia | 1 | $ 60,000 | $ 60,000 | $ 492,000 |
| Carlisle, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 68,000 |
| Graves, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Trigg, Kentucky | 1 | $ 113,000 | $ 113,000 | $ 79,000 |
| Panola, Mississippi | 1 | $ 140,000 | $ 140,000 | $ 249,000 |
| Hudson, New Jersey | 1 | $ 70,000 | $ 70,000 | $ 85,000 |
| Iredell, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Delaware, Ohio | 1 | $ 45,000 | $ 45,000 | $ 103,000 |
| Dyer, Tennessee | 1 | $ 138,000 | $ 138,000 | $ 58,000 |
| Hardin, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 230,000 |
| Sumner, Tennessee | 1 | $ 178,000 | $ 178,000 | $ 113,000 |
| Tipton, Tennessee | 1 | $ 203,000 | $ 203,000 | $ 127,000 |
| Williamson, Tennessee | 1 | $ 400,000 | $ 400,000 | $ 193,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2006
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 | 356 | $38,128,000 | $107,000 | $1,000,000 | $76,000 | $478,000 |
| Refinancing | 220 | $24,440,000 | $111,000 | $800,000 | $99,000 | $1,877,000 |
| Home Improvement | 69 | $1,309,000 | $18,000 | $260,000 | $59,000 | $468,000 |
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 | 596 | $58,489,000 | $98,000 | $800,000 | $78,000 | $1,877,000 |
| Black or African American | 25 | $1,311,000 | $52,000 | $210,000 | $46,000 | $117,000 |
| Not Provided | 14 | $3,220,000 | $230,000 | $1,000,000 | $308,000 | $1,518,000 |
| Hispanic | 5 | $394,000 | $78,000 | $142,000 | $57,000 | $78,000 |
| Asian | 3 | $258,000 | $86,000 | $120,000 | $102,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $64,000 | $64,000 |
| Not applicable | 1 | $30,000 | $30,000 | $30,000 | $478,000 | $478,000 |
| 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) | 604 | $59,955,000 | $99,000 | $1,000,000 | $84,000 | $1,877,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,370,000 | $68,000 | $94,000 | $34,000 | $53,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,398,000 | $127,000 | $178,000 | $65,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,154,000 | $115,000 | $210,000 | $49,000 | $81,000 |
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 | 526 | $54,919,000 | $104,000 | $800,000 | $89,000 | $1,877,000 |
| Application Denied By Financial Institution | 63 | $3,279,000 | $52,000 | $143,000 | $36,000 | $145,000 |
| Application Withdrawn By Applicant | 31 | $2,250,000 | $72,000 | $239,000 | $50,000 | $117,000 |
| File Closed For Incompleteness | 19 | $2,901,000 | $152,000 | $1,000,000 | $78,000 | $359,000 |
| Application Approved But Not Accepted | 6 | $528,000 | $88,000 | $205,000 | $68,000 | $113,000 |
| 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 | 45 | $2,313,000 | $51,000 | $143,000 | $36,000 | $138,000 |
| Debt-To-Income Ratio | 10 | $479,000 | $47,000 | $121,000 | $28,000 | $51,000 |
| Collateral | 5 | $264,000 | $52,000 | $116,000 | $35,000 | $52,000 |
| Other | 2 | $216,000 | $108,000 | $136,000 | $87,000 | $145,000 |
| Employment History | 1 | $7,000 | $7,000 | $7,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2006 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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