Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, Commercial Bank & Trust Company of Paris, TN reported 643 mortgage applications totaling $81.7 million, up 1% from 2007. The average application was for $127,007, and applicants reported an average income of $144,611. 81% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Memphis, TN-MS-AR (138), Jackson, TN (54) and Nashville-Davidson--Murfreesboro--Franklin, TN (4) (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 | 643 |
| Total Mortgage Loan Application Amount | $81,666,000 |
| Average Mortgage Loan Application Amount | $127,007 |
| Highest Mortgage Loan Application Amount | $2,850,000 |
| Average Applicant Income | $144,611 |
| Highest Applicant Income | $9,999,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 219 | $ 16,496,000 | $ 75,324 | $ 151,000 |
| Obion, Tennessee | 118 | $ 10,131,000 | $ 85,855 | $ 81,000 |
| Shelby, Tennessee | 107 | $ 26,203,000 | $ 244,887 | $ 249,000 |
| Madison, Tennessee | 49 | $ 6,452,000 | $ 131,673 | $ 83,000 |
| Weakley, Tennessee | 20 | $ 1,502,000 | $ 75,100 | $ 84,000 |
| DeSoto, Mississippi | 19 | $ 4,316,000 | $ 227,157 | $ 185,000 |
| Gibson, Tennessee | 19 | $ 1,497,000 | $ 78,789 | $ 82,000 |
| Benton, Tennessee | 18 | $ 1,039,000 | $ 57,722 | $ 46,000 |
| Marshall, Mississippi | 6 | $ 714,000 | $ 119,000 | $ 57,000 |
| Carroll, Tennessee | 6 | $ 528,000 | $ 88,000 | $ 55,000 |
| Calloway, Kentucky | 5 | $ 569,000 | $ 113,800 | $ 58,000 |
| Chester, Tennessee | 5 | $ 1,101,000 | $ 220,200 | $ 122,000 |
| Fulton, Kentucky | 4 | $ 121,000 | $ 30,250 | $ 51,000 |
| Haywood, Tennessee | 3 | $ 159,000 | $ 53,000 | $ 340,000 |
| Tunica, Mississippi | 2 | $ 98,000 | $ 49,000 | $ 147,000 |
| Davidson, Tennessee | 2 | $ 336,000 | $ 168,000 | $ 122,000 |
| Dyer, Tennessee | 2 | $ 280,000 | $ 140,000 | $ 27,000 |
| Knox, Tennessee | 2 | $ 343,000 | $ 171,500 | $ 535,000 |
| Rutherford, Tennessee | 2 | $ 326,000 | $ 163,000 | $ 44,000 |
| Stewart, Tennessee | 2 | $ 220,000 | $ 110,000 | $ 42,000 |
| Tipton, Tennessee | 2 | $ 328,000 | $ 164,000 | $ 114,000 |
| Baldwin, Alabama | 1 | $ 1,700,000 | $ 1,700,000 | $ 1,000,000 |
| Lee, Alabama | 1 | $ 114,000 | $ 114,000 | $ 353,000 |
| Tuscaloosa, Alabama | 1 | $ 171,000 | $ 171,000 | $ 360,000 |
| Cleburne, Arkansas | 1 | $ 280,000 | $ 280,000 | $ 183,000 |
| Douglas, Colorado | 1 | $ 417,000 | $ 417,000 | $ 660,000 |
| Walton, Florida | 1 | $ 1,125,000 | $ 1,125,000 | $ 942,000 |
| Washington, Florida | 1 | $ 271,000 | $ 271,000 | $ 94,000 |
| Chatham, Georgia | 1 | $ 201,000 | $ 201,000 | $ 1,083,000 |
| Paulding, Georgia | 1 | $ 3,000 | $ 3,000 | $ 109,000 |
| Massac, Illinois | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Graves, Kentucky | 1 | $ 17,000 | $ 17,000 | $ 59,000 |
| Hardin, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Benton, Mississippi | 1 | $ 170,000 | $ 170,000 | $ 126,000 |
| Rankin, Mississippi | 1 | $ 174,000 | $ 174,000 | $ 55,000 |
| Tallahatchie, Mississippi | 1 | $ 150,000 | $ 150,000 | $ 207,000 |
| Tate, Mississippi | 1 | $ 186,000 | $ 186,000 | $ 73,000 |
| Cass, Missouri | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| Blount, Tennessee | 1 | $ 160,000 | $ 160,000 | $ 93,000 |
| Crockett, Tennessee | 1 | $ 33,000 | $ 33,000 | $ 19,000 |
| Decatur, Tennessee | 1 | $ 214,000 | $ 214,000 | $ 96,000 |
| Fayette, Tennessee | 1 | $ 775,000 | $ 775,000 | $ 303,000 |
| Henderson, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 31,000 |
| Houston, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Lake, Tennessee | 1 | $ 34,000 | $ 34,000 | $ 97,000 |
| McNairy, Tennessee | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Montgomery, Tennessee | 1 | $ 89,000 | $ 89,000 | $ 32,000 |
| Sevier, Tennessee | 1 | $ 49,000 | $ 49,000 | $ 49,000 |
| Harris, Texas | 1 | $ 1,500,000 | $ 1,500,000 | $ 560,000 |
| Henrico, Virginia | 1 | $ 400,000 | $ 400,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2008
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 | 300 | $42,146,000 | $140,000 | $2,850,000 | $137,000 | $7,000,000 |
| Refinancing | 271 | $36,450,000 | $134,000 | $1,300,000 | $171,000 | $9,999,000 |
| Home Improvement | 72 | $3,070,000 | $42,000 | $267,000 | $77,000 | $565,000 |
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 | 586 | $71,882,000 | $122,000 | $2,850,000 | $98,000 | $1,505,000 |
| Black or African American | 29 | $3,594,000 | $123,000 | $1,300,000 | $131,000 | $1,500,000 |
| Not applicable | 12 | $3,624,000 | $302,000 | $1,700,000 | $2,470,000 | $9,999,000 |
| Asian | 7 | $1,322,000 | $188,000 | $346,000 | $166,000 | $378,000 |
| Not Provided | 6 | $764,000 | $127,000 | $295,000 | $69,000 | $122,000 |
| Hispanic | 2 | $380,000 | $190,000 | $360,000 | $107,000 | $203,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $71,000 | $71,000 |
| 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) | 572 | $73,659,000 | $128,000 | $2,850,000 | $157,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 34 | $4,660,000 | $137,000 | $275,000 | $59,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,170,000 | $80,000 | $170,000 | $34,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,177,000 | $117,000 | $183,000 | $50,000 | $80,000 |
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 | 521 | $69,249,000 | $132,000 | $2,850,000 | $164,000 | $9,999,000 |
| Application Denied By Financial Institution | 86 | $7,317,000 | $85,000 | $346,000 | $50,000 | $207,000 |
| Application Withdrawn By Applicant | 29 | $4,544,000 | $156,000 | $417,000 | $99,000 | $660,000 |
| File Closed For Incompleteness | 6 | $456,000 | $76,000 | $110,000 | $41,000 | $57,000 |
| Application Approved But Not Accepted | 1 | $100,000 | $100,000 | $100,000 | $17,000 | $17,000 |
| 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 | 49 | $3,569,000 | $72,000 | $346,000 | $47,000 | $207,000 |
| Debt-To-Income Ratio | 17 | $1,388,000 | $81,000 | $275,000 | $41,000 | $114,000 |
| Other | 9 | $1,141,000 | $126,000 | $330,000 | $65,000 | $129,000 |
| Collateral | 6 | $523,000 | $87,000 | $170,000 | $50,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $325,000 | $108,000 | $208,000 | $98,000 | $184,000 |
| Mortgage Insurance Denied | 1 | $130,000 | $130,000 | $130,000 | $33,000 | $33,000 |
| Unverifiable Information | 1 | $241,000 | $241,000 | $241,000 | $76,000 | $76,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2008 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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