Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Commercial Bank & Trust Company of Paris, TN reported 635 mortgage applications totaling $91.7 million, up 3% from 2009. The average application was for $144,368, and applicants reported an average income of $108,152. 83% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Memphis, TN-MS-AR (225), Jackson, TN (76) and Nashville-Davidson--Murfreesboro--Franklin, TN (8) (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 | 635 |
| Total Mortgage Loan Application Amount | $91,674,000 |
| Average Mortgage Loan Application Amount | $144,368 |
| Highest Mortgage Loan Application Amount | $2,152,000 |
| Average Applicant Income | $108,152 |
| Highest Applicant Income | $2,600,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 195 | $ 38,333,000 | $ 196,579 | $ 121,000 |
| Henry, Tennessee | 191 | $ 18,157,000 | $ 95,062 | $ 59,000 |
| Obion, Tennessee | 77 | $ 8,205,000 | $ 106,558 | $ 105,000 |
| Madison, Tennessee | 72 | $ 11,801,000 | $ 163,902 | $ 139,000 |
| DeSoto, Mississippi | 20 | $ 2,550,000 | $ 127,500 | $ 80,000 |
| Weakley, Tennessee | 17 | $ 1,534,000 | $ 90,235 | $ 54,000 |
| Gibson, Tennessee | 7 | $ 959,000 | $ 137,000 | $ 58,000 |
| Chester, Tennessee | 4 | $ 589,000 | $ 147,250 | $ 99,000 |
| Davidson, Tennessee | 4 | $ 832,000 | $ 208,000 | $ 147,000 |
| Tipton, Tennessee | 4 | $ 726,000 | $ 181,500 | $ 40,000 |
| Benton, Tennessee | 3 | $ 210,000 | $ 70,000 | $ 70,000 |
| Carroll, Tennessee | 3 | $ 396,000 | $ 132,000 | $ 72,000 |
| Stewart, Tennessee | 3 | $ 274,000 | $ 91,333 | $ 66,000 |
| Williamson, Tennessee | 3 | $ 583,000 | $ 194,333 | $ 136,000 |
| Fayette, Kentucky | 2 | $ 325,000 | $ 162,500 | $ 46,000 |
| Fulton, Kentucky | 2 | $ 148,000 | $ 74,000 | $ 48,000 |
| Marshall, Mississippi | 2 | $ 552,000 | $ 276,000 | $ 101,000 |
| Dyer, Tennessee | 2 | $ 122,000 | $ 61,000 | $ 142,000 |
| Fayette, Tennessee | 2 | $ 356,000 | $ 178,000 | $ 63,000 |
| Henderson, Tennessee | 2 | $ 330,000 | $ 165,000 | $ 82,000 |
| Lake, Tennessee | 2 | $ 66,000 | $ 33,000 | $ 169,000 |
| Cleburne, Arkansas | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Crittenden, Arkansas | 1 | $ 92,000 | $ 92,000 | $ 28,000 |
| St. Francis, Arkansas | 1 | $ 84,000 | $ 84,000 | $ 28,000 |
| District of Columbia, District Of Columbia | 1 | $ 532,000 | $ 532,000 | $ 2,120,000 |
| Walton, Florida | 1 | $ 417,000 | $ 417,000 | $ 508,000 |
| Caldwell, Kentucky | 1 | $ 209,000 | $ 209,000 | $ 262,000 |
| Calloway, Kentucky | 1 | $ 96,000 | $ 96,000 | $ 36,000 |
| Graves, Kentucky | 1 | $ 127,000 | $ 127,000 | $ 43,000 |
| Leflore, Mississippi | 1 | $ 417,000 | $ 417,000 | $ 179,000 |
| Tate, Mississippi | 1 | $ 181,000 | $ 181,000 | $ 65,000 |
| Carbon, Montana | 1 | $ 303,000 | $ 303,000 | $ 429,000 |
| Hardin, Tennessee | 1 | $ 759,000 | $ 759,000 | $ 2,600,000 |
| Haywood, Tennessee | 1 | $ 94,000 | $ 94,000 | $ 85,000 |
| Lauderdale, Tennessee | 1 | $ 151,000 | $ 151,000 | $ 74,000 |
| Morgan, Tennessee | 1 | $ 132,000 | $ 132,000 | $ 86,000 |
| Rutherford, Tennessee | 1 | $ 142,000 | $ 142,000 | $ 117,000 |
| Sevier, Tennessee | 1 | $ 166,000 | $ 166,000 | $ 100,000 |
| Greenbrier, West Virginia | 1 | $ 600,000 | $ 600,000 | $ 2,400,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2010
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 | 303 | $51,361,000 | $169,000 | $2,152,000 | $117,000 | $2,120,000 |
| Home Purchase | 294 | $39,487,000 | $134,000 | $759,000 | $105,000 | $2,600,000 |
| Home Improvement | 38 | $826,000 | $21,000 | $87,000 | $62,000 | $298,000 |
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 | 556 | $82,202,000 | $147,000 | $2,152,000 | $112,000 | $2,600,000 |
| Black or African American | 32 | $4,710,000 | $147,000 | $265,000 | $67,000 | $215,000 |
| Not applicable | 25 | $1,280,000 | $51,000 | $200,000 | $0 | $0 |
| Asian | 12 | $1,485,000 | $123,000 | $267,000 | $99,000 | $439,000 |
| Not Provided | 5 | $980,000 | $196,000 | $417,000 | $104,000 | $200,000 |
| Hispanic | 4 | $860,000 | $215,000 | $532,000 | $576,000 | $2,120,000 |
| American Indian or Alaskan Native | 1 | $157,000 | $157,000 | $157,000 | $97,000 | $97,000 |
| 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) | 520 | $75,382,000 | $144,000 | $2,152,000 | $120,000 | $2,600,000 |
| FHA-insured (Federal Housing Administration) | 85 | $12,033,000 | $141,000 | $265,000 | $55,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,493,000 | $166,000 | $398,000 | $55,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $766,000 | $85,000 | $127,000 | $40,000 | $60,000 |
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 | $76,976,000 | $146,000 | $2,152,000 | $110,000 | $2,600,000 |
| Application Denied By Financial Institution | 73 | $9,905,000 | $135,000 | $417,000 | $91,000 | $572,000 |
| Application Withdrawn By Applicant | 34 | $4,164,000 | $122,000 | $400,000 | $107,000 | $523,000 |
| Application Approved But Not Accepted | 2 | $629,000 | $314,000 | $319,000 | $119,000 | $119,000 |
| File Closed For Incompleteness | 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 | 34 | $3,296,000 | $96,000 | $380,000 | $65,000 | $459,000 |
| Collateral | 18 | $2,832,000 | $157,000 | $417,000 | $126,000 | $572,000 |
| Debt-To-Income Ratio | 14 | $2,424,000 | $173,000 | $417,000 | $89,000 | $179,000 |
| Other | 5 | $1,079,000 | $215,000 | $320,000 | $174,000 | $523,000 |
| Unverifiable Information | 1 | $108,000 | $108,000 | $108,000 | $34,000 | $34,000 |
| Employment History | 1 | $166,000 | $166,000 | $166,000 | $46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2010 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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