Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Commercial Bank & Trust Company of Paris, TN reported 470 mortgage applications totaling $69.2 million, down 26% from 2010. The average application was for $147,129, and applicants reported an average income of $106,623. 81% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Memphis, TN-MS-AR (158), Jackson, TN (56) and Clarksville, TN-KY (2) (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 | 470 |
| Total Mortgage Loan Application Amount | $69,151,000 |
| Average Mortgage Loan Application Amount | $147,129 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $106,623 |
| Highest Applicant Income | $1,318,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 144 | $ 29,264,000 | $ 203,222 | $ 126,000 |
| Henry, Tennessee | 124 | $ 11,483,000 | $ 92,604 | $ 69,000 |
| Obion, Tennessee | 66 | $ 8,268,000 | $ 125,272 | $ 101,000 |
| Madison, Tennessee | 55 | $ 8,241,000 | $ 149,836 | $ 128,000 |
| Weakley, Tennessee | 19 | $ 1,540,000 | $ 81,052 | $ 56,000 |
| DeSoto, Mississippi | 12 | $ 3,144,000 | $ 262,000 | $ 98,000 |
| Gibson, Tennessee | 8 | $ 1,123,000 | $ 140,375 | $ 119,000 |
| Benton, Tennessee | 6 | $ 753,000 | $ 125,500 | $ 81,000 |
| Carroll, Tennessee | 3 | $ 194,000 | $ 64,666 | $ 53,000 |
| Henderson, Tennessee | 3 | $ 843,000 | $ 281,000 | $ 416,000 |
| Broward, Florida | 2 | $ 806,000 | $ 403,000 | $ 262,000 |
| Calloway, Kentucky | 2 | $ 57,000 | $ 28,500 | $ 36,000 |
| Fayette, Tennessee | 2 | $ 250,000 | $ 125,000 | $ 64,000 |
| Hardin, Tennessee | 2 | $ 261,000 | $ 130,500 | $ 113,000 |
| Madison, Alabama | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Craighead, Arkansas | 1 | $ 127,000 | $ 127,000 | $ 61,000 |
| Sharp, Arkansas | 1 | $ 124,000 | $ 124,000 | $ 289,000 |
| Sarasota, Florida | 1 | $ 170,000 | $ 170,000 | $ 120,000 |
| Richmond, Georgia | 1 | $ 64,000 | $ 64,000 | $ 32,000 |
| Fulton, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Marshall, Kentucky | 1 | $ 39,000 | $ 39,000 | $ 72,000 |
| Trigg, Kentucky | 1 | $ 62,000 | $ 62,000 | $ 25,000 |
| Terrebonne, Louisiana | 1 | $ 100,000 | $ 100,000 | $ 1,006,000 |
| Barnstable, Massachusetts | 1 | $ 380,000 | $ 380,000 | $ 400,000 |
| Lafayette, Mississippi | 1 | $ 204,000 | $ 204,000 | $ 313,000 |
| Madison, Mississippi | 1 | $ 159,000 | $ 159,000 | $ 49,000 |
| Tishomingo, Mississippi | 1 | $ 200,000 | $ 200,000 | $ 84,000 |
| Chester, Tennessee | 1 | $ 234,000 | $ 234,000 | $ 68,000 |
| Davidson, Tennessee | 1 | $ 167,000 | $ 167,000 | $ 35,000 |
| Dyer, Tennessee | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 114,000 | $ 114,000 | $ 314,000 |
| Humphreys, Tennessee | 1 | $ 39,000 | $ 39,000 | $ 73,000 |
| McNairy, Tennessee | 1 | $ 19,000 | $ 19,000 | $ 43,000 |
| Perry, Tennessee | 1 | $ 114,000 | $ 114,000 | $ 504,000 |
| Rutherford, Tennessee | 1 | $ 213,000 | $ 213,000 | $ 85,000 |
| Stewart, Tennessee | 1 | $ 178,000 | $ 178,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2011
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 | 226 | $34,493,000 | $152,000 | $2,600,000 | $100,000 | $1,006,000 |
| Refinancing | 203 | $33,440,000 | $164,000 | $1,312,000 | $122,000 | $1,318,000 |
| Home Improvement | 41 | $1,218,000 | $29,000 | $98,000 | $67,000 | $226,000 |
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 | 420 | $62,550,000 | $148,000 | $2,600,000 | $113,000 | $1,318,000 |
| Black or African American | 15 | $1,667,000 | $111,000 | $390,000 | $72,000 | $240,000 |
| Not Provided | 12 | $1,082,000 | $90,000 | $171,000 | $52,000 | $127,000 |
| Not applicable | 11 | $2,246,000 | $204,000 | $1,312,000 | $0 | $0 |
| Asian | 8 | $933,000 | $116,000 | $205,000 | $63,000 | $99,000 |
| Hispanic | 4 | $673,000 | $168,000 | $260,000 | $73,000 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 399 | $58,722,000 | $147,000 | $2,600,000 | $114,000 | $1,318,000 |
| FHA-insured (Federal Housing Administration) | 51 | $7,756,000 | $152,000 | $274,000 | $73,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,215,000 | $93,000 | $169,000 | $35,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,458,000 | $208,000 | $392,000 | $70,000 | $149,000 |
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 | 380 | $55,814,000 | $146,000 | $2,600,000 | $111,000 | $1,318,000 |
| Application Denied By Financial Institution | 48 | $7,025,000 | $146,000 | $417,000 | $82,000 | $360,000 |
| Application Withdrawn By Applicant | 41 | $6,124,000 | $149,000 | $800,000 | $96,000 | $400,000 |
| File Closed For Incompleteness | 1 | $188,000 | $188,000 | $188,000 | $143,000 | $143,000 |
| 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 | 18 | $1,826,000 | $101,000 | $382,000 | $64,000 | $308,000 |
| Debt-To-Income Ratio | 15 | $2,983,000 | $198,000 | $417,000 | $89,000 | $201,000 |
| Collateral | 7 | $1,411,000 | $201,000 | $404,000 | $139,000 | $360,000 |
| Employment History | 4 | $313,000 | $78,000 | $144,000 | $51,000 | $70,000 |
| Other | 3 | $302,000 | $100,000 | $228,000 | $86,000 | $150,000 |
| Mortgage Insurance Denied | 1 | $190,000 | $190,000 | $190,000 | $44,000 | $44,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2011 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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