Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Commercial Bank & Trust Company of Paris, TN reported 474 mortgage applications totaling $61.6 million, down 9% from 2012. The average application was for $130,021, and applicants reported an average income of $120,943. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Memphis, TN-MS-AR (101), Jackson, TN (64) 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 | 474 |
| Total Mortgage Loan Application Amount | $61,630,000 |
| Average Mortgage Loan Application Amount | $130,021 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $120,943 |
| Highest Applicant Income | $2,300,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 149 | $ 14,090,000 | $ 94,563 | $ 66,000 |
| Shelby, Tennessee | 93 | $ 18,803,000 | $ 202,182 | $ 192,000 |
| Obion, Tennessee | 80 | $ 8,658,000 | $ 108,225 | $ 86,000 |
| Madison, Tennessee | 60 | $ 7,589,000 | $ 126,483 | $ 160,000 |
| Gibson, Tennessee | 26 | $ 2,517,000 | $ 96,807 | $ 74,000 |
| Weakley, Tennessee | 13 | $ 903,000 | $ 69,461 | $ 58,000 |
| Crittenden, Arkansas | 4 | $ 898,000 | $ 224,500 | $ 152,000 |
| DeSoto, Mississippi | 4 | $ 646,000 | $ 161,500 | $ 49,000 |
| Chester, Tennessee | 4 | $ 716,000 | $ 179,000 | $ 105,000 |
| Davidson, Tennessee | 4 | $ 874,000 | $ 218,500 | $ 277,000 |
| Dyer, Tennessee | 4 | $ 264,000 | $ 66,000 | $ 218,000 |
| Henderson, Tennessee | 4 | $ 887,000 | $ 221,750 | $ 116,000 |
| McNairy, Tennessee | 4 | $ 445,000 | $ 111,250 | $ 79,000 |
| Calloway, Kentucky | 3 | $ 200,000 | $ 66,666 | $ 291,000 |
| Fulton, Kentucky | 3 | $ 203,000 | $ 67,666 | $ 101,000 |
| Walton, Florida | 2 | $ 673,000 | $ 336,500 | $ 173,000 |
| Graves, Kentucky | 2 | $ 91,000 | $ 45,500 | $ 61,000 |
| Carroll, Tennessee | 2 | $ 70,000 | $ 35,000 | $ 31,000 |
| Montgomery, Alabama | 1 | $ 194,000 | $ 194,000 | $ 64,000 |
| La Plata, Colorado | 1 | $ 107,000 | $ 107,000 | $ 426,000 |
| District of Columbia, District Of Columbia | 1 | $ 1,250,000 | $ 1,250,000 | $ 2,300,000 |
| Broward, Florida | 1 | $ 310,000 | $ 310,000 | $ 638,000 |
| Sarasota, Florida | 1 | $ 101,000 | $ 101,000 | $ 14,000 |
| Benton, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 53,000 |
| Hamilton, Tennessee | 1 | $ 130,000 | $ 130,000 | $ 288,000 |
| Hardeman, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Hardin, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Humphreys, Tennessee | 1 | $ 104,000 | $ 104,000 | $ 56,000 |
| Lake, Tennessee | 1 | $ 54,000 | $ 54,000 | $ 29,000 |
| Williamson, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 557,000 |
| Wilson, Tennessee | 1 | $ 164,000 | $ 164,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2013
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 | 248 | $32,817,000 | $132,000 | $1,500,000 | $125,000 | $2,300,000 |
| Refinancing | 189 | $27,371,000 | $144,000 | $1,800,000 | $116,000 | $861,000 |
| Home Improvement | 37 | $1,442,000 | $38,000 | $251,000 | $119,000 | $767,000 |
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 | 422 | $55,954,000 | $132,000 | $1,800,000 | $131,000 | $2,300,000 |
| Not applicable | 28 | $2,911,000 | $103,000 | $1,000,000 | $0 | $0 |
| Black or African American | 13 | $1,767,000 | $135,000 | $402,000 | $89,000 | $307,000 |
| Hispanic | 5 | $532,000 | $106,000 | $417,000 | $123,000 | $463,000 |
| Not Provided | 4 | $217,000 | $54,000 | $101,000 | $28,000 | $75,000 |
| Asian | 2 | $249,000 | $124,000 | $141,000 | $40,000 | $49,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 441 | $58,460,000 | $132,000 | $1,800,000 | $126,000 | $2,300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $1,877,000 | $85,000 | $143,000 | $34,000 | $61,000 |
| FHA-insured (Federal Housing Administration) | 7 | $779,000 | $111,000 | $221,000 | $135,000 | $482,000 |
| VA-guaranteed (Veterans Administration) | 4 | $514,000 | $128,000 | $204,000 | $46,000 | $63,000 |
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 | 368 | $50,077,000 | $136,000 | $1,800,000 | $130,000 | $2,300,000 |
| Application Denied By Financial Institution | 64 | $7,258,000 | $113,000 | $510,000 | $83,000 | $519,000 |
| Application Withdrawn By Applicant | 42 | $4,295,000 | $102,000 | $324,000 | $100,000 | $638,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 36 | $2,564,000 | $71,000 | $289,000 | $48,000 | $138,000 |
| Debt-To-Income Ratio | 11 | $1,489,000 | $135,000 | $417,000 | $63,000 | $294,000 |
| Collateral | 8 | $1,275,000 | $159,000 | $417,000 | $117,000 | $454,000 |
| Other | 5 | $1,280,000 | $256,000 | $510,000 | $320,000 | $519,000 |
| Unverifiable Information | 2 | $532,000 | $266,000 | $320,000 | $155,000 | $199,000 |
| Employment History | 1 | $38,000 | $38,000 | $38,000 | $23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $80,000 | $80,000 | $80,000 | $17,000 | $17,000 |
| 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 2013 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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