Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Commercial Bank & Trust Company of Paris, TN reported 519 mortgage applications totaling $67.8 million, up 10% from 2011. The average application was for $130,682, and applicants reported an average income of $108,805. 81% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Memphis, TN-MS-AR (128), Jackson, TN (71) and Nashville-Davidson--Murfreesboro--Franklin, TN (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 | 519 |
| Total Mortgage Loan Application Amount | $67,824,000 |
| Average Mortgage Loan Application Amount | $130,682 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $108,805 |
| Highest Applicant Income | $1,400,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 174 | $ 15,310,000 | $ 87,988 | $ 75,000 |
| Shelby, Tennessee | 122 | $ 24,185,000 | $ 198,237 | $ 166,000 |
| Obion, Tennessee | 75 | $ 6,240,000 | $ 83,200 | $ 84,000 |
| Madison, Tennessee | 62 | $ 10,425,000 | $ 168,145 | $ 124,000 |
| Weakley, Tennessee | 17 | $ 1,666,000 | $ 98,000 | $ 59,000 |
| Chester, Tennessee | 9 | $ 1,309,000 | $ 145,444 | $ 70,000 |
| Benton, Tennessee | 8 | $ 716,000 | $ 89,500 | $ 86,000 |
| Gibson, Tennessee | 8 | $ 767,000 | $ 95,875 | $ 77,000 |
| Carroll, Tennessee | 4 | $ 344,000 | $ 86,000 | $ 30,000 |
| DeSoto, Mississippi | 3 | $ 608,000 | $ 202,666 | $ 116,000 |
| Hardin, Tennessee | 3 | $ 375,000 | $ 125,000 | $ 92,000 |
| Rutherford, Tennessee | 3 | $ 493,000 | $ 164,333 | $ 97,000 |
| Calloway, Kentucky | 2 | $ 392,000 | $ 196,000 | $ 223,000 |
| Graves, Kentucky | 2 | $ 64,000 | $ 32,000 | $ 69,000 |
| Davidson, Tennessee | 2 | $ 280,000 | $ 140,000 | $ 58,000 |
| Lake, Tennessee | 2 | $ 237,000 | $ 118,500 | $ 69,000 |
| Tipton, Tennessee | 2 | $ 234,000 | $ 117,000 | $ 69,000 |
| Maricopa, Arizona | 1 | $ 154,000 | $ 154,000 | $ 100,000 |
| Cleburne, Arkansas | 1 | $ 350,000 | $ 350,000 | $ 264,000 |
| Craighead, Arkansas | 1 | $ 128,000 | $ 128,000 | $ 32,000 |
| Crittenden, Arkansas | 1 | $ 12,000 | $ 12,000 | $ 468,000 |
| Escambia, Florida | 1 | $ 483,000 | $ 483,000 | $ 799,000 |
| Manatee, Florida | 1 | $ 33,000 | $ 33,000 | $ 35,000 |
| Walton, Florida | 1 | $ 144,000 | $ 144,000 | $ 126,000 |
| Fulton, Kentucky | 1 | $ 11,000 | $ 11,000 | $ 15,000 |
| Jefferson, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Tishomingo, Mississippi | 1 | $ 1,088,000 | $ 1,088,000 | $ 1,300,000 |
| Wake, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 45,000 |
| Beaufort, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 171,000 |
| Crockett, Tennessee | 1 | $ 142,000 | $ 142,000 | $ 88,000 |
| Cumberland, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Decatur, Tennessee | 1 | $ 157,000 | $ 157,000 | $ 137,000 |
| Henderson, Tennessee | 1 | $ 397,000 | $ 397,000 | $ 251,000 |
| Humphreys, Tennessee | 1 | $ 109,000 | $ 109,000 | $ 59,000 |
| Knox, Tennessee | 1 | $ 116,000 | $ 116,000 | $ 37,000 |
| Stewart, Tennessee | 1 | $ 37,000 | $ 37,000 | $ 73,000 |
| Williamson, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 111,000 |
| Travis, Texas | 1 | $ 40,000 | $ 40,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2012
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 | 245 | $39,402,000 | $160,000 | $455,000 | $118,000 | $854,000 |
| Home Purchase | 219 | $26,483,000 | $120,000 | $1,200,000 | $105,000 | $1,400,000 |
| Home Improvement | 55 | $1,939,000 | $35,000 | $250,000 | $83,000 | $720,000 |
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 | 472 | $63,114,000 | $133,000 | $1,200,000 | $114,000 | $1,400,000 |
| Not applicable | 19 | $1,207,000 | $63,000 | $229,000 | $0 | $0 |
| Black or African American | 16 | $1,818,000 | $113,000 | $387,000 | $96,000 | $225,000 |
| Asian | 4 | $553,000 | $138,000 | $270,000 | $103,000 | $302,000 |
| Not Provided | 4 | $257,000 | $64,000 | $200,000 | $34,000 | $62,000 |
| Hispanic | 3 | $613,000 | $204,000 | $417,000 | $157,000 | $405,000 |
| American Indian or Alaskan Native | 1 | $262,000 | $262,000 | $262,000 | $120,000 | $120,000 |
| 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) | 481 | $62,730,000 | $130,000 | $1,200,000 | $113,000 | $1,400,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,002,000 | $154,000 | $255,000 | $60,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,239,000 | $95,000 | $130,000 | $41,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,853,000 | $154,000 | $308,000 | $74,000 | $144,000 |
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 | 418 | $54,917,000 | $131,000 | $1,200,000 | $115,000 | $1,400,000 |
| Application Denied By Financial Institution | 56 | $6,570,000 | $117,000 | $417,000 | $70,000 | $422,000 |
| Application Withdrawn By Applicant | 43 | $6,121,000 | $142,000 | $397,000 | $102,000 | $684,000 |
| File Closed For Incompleteness | 2 | $216,000 | $108,000 | $136,000 | $114,000 | $131,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 17 | $1,944,000 | $114,000 | $220,000 | $45,000 | $139,000 |
| Credit History | 16 | $1,403,000 | $87,000 | $300,000 | $47,000 | $173,000 |
| Other | 10 | $1,838,000 | $183,000 | $417,000 | $138,000 | $422,000 |
| Collateral | 7 | $545,000 | $77,000 | $194,000 | $63,000 | $124,000 |
| Unverifiable Information | 3 | $384,000 | $128,000 | $195,000 | $105,000 | $143,000 |
| Credit Application Incomplete | 1 | $139,000 | $139,000 | $139,000 | $75,000 | $75,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $262,000 | $262,000 | $262,000 | $120,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2012 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About