Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, Commercial Bank & Trust Company of Paris, TN reported 425 mortgage applications totaling $51.3 million, down 10% from 2013. The average application was for $120,788, and applicants reported an average income of $106,329. 74% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Memphis, TN-MS-AR (83), Jackson, TN (59) and Nashville-Davidson--Murfreesboro--Franklin, TN (9) (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 | 425 |
| Total Mortgage Loan Application Amount | $51,335,000 |
| Average Mortgage Loan Application Amount | $120,788 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $106,329 |
| Highest Applicant Income | $1,882,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 142 | $ 12,167,000 | $ 85,683 | $ 61,000 |
| Shelby, Tennessee | 73 | $ 14,242,000 | $ 195,095 | $ 171,000 |
| Obion, Tennessee | 70 | $ 5,654,000 | $ 80,771 | $ 92,000 |
| Madison, Tennessee | 55 | $ 8,331,000 | $ 151,472 | $ 143,000 |
| Weakley, Tennessee | 12 | $ 1,160,000 | $ 96,666 | $ 72,000 |
| Gibson, Tennessee | 9 | $ 1,337,000 | $ 148,555 | $ 70,000 |
| Carroll, Tennessee | 7 | $ 379,000 | $ 54,142 | $ 45,000 |
| Crittenden, Arkansas | 6 | $ 497,000 | $ 82,833 | $ 0 |
| Benton, Tennessee | 6 | $ 369,000 | $ 61,500 | $ 43,000 |
| Davidson, Tennessee | 5 | $ 1,539,000 | $ 307,800 | $ 209,000 |
| Walton, Florida | 3 | $ 910,000 | $ 303,333 | $ 248,000 |
| Harrison, Mississippi | 3 | $ 105,000 | $ 35,000 | $ 0 |
| McNairy, Tennessee | 3 | $ 470,000 | $ 156,666 | $ 85,000 |
| Sarasota, Florida | 2 | $ 207,000 | $ 103,500 | $ 30,000 |
| Calloway, Kentucky | 2 | $ 277,000 | $ 138,500 | $ 68,000 |
| Fulton, Kentucky | 2 | $ 62,000 | $ 31,000 | $ 32,000 |
| Chester, Tennessee | 2 | $ 112,000 | $ 56,000 | $ 72,000 |
| Crockett, Tennessee | 2 | $ 504,000 | $ 252,000 | $ 79,000 |
| Dyer, Tennessee | 2 | $ 40,000 | $ 20,000 | $ 85,000 |
| Hardin, Tennessee | 2 | $ 500,000 | $ 250,000 | $ 87,000 |
| Rutherford, Tennessee | 2 | $ 180,000 | $ 90,000 | $ 126,000 |
| Tipton, Tennessee | 2 | $ 82,000 | $ 41,000 | $ 0 |
| Williamson, Tennessee | 2 | $ 569,000 | $ 284,500 | $ 92,000 |
| Baldwin, Alabama | 1 | $ 356,000 | $ 356,000 | $ 324,000 |
| Montgomery, Alabama | 1 | $ 100,000 | $ 100,000 | $ 86,000 |
| White, Arkansas | 1 | $ 231,000 | $ 231,000 | $ 88,000 |
| Terrebonne, Louisiana | 1 | $ 104,000 | $ 104,000 | $ 1,000,000 |
| Iosco, Michigan | 1 | $ 58,000 | $ 58,000 | $ 57,000 |
| DeSoto, Mississippi | 1 | $ 159,000 | $ 159,000 | $ 34,000 |
| Tishomingo, Mississippi | 1 | $ 50,000 | $ 50,000 | $ 1,882,000 |
| Yalobusha, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 327,000 |
| Fayette, Tennessee | 1 | $ 113,000 | $ 113,000 | $ 196,000 |
| Haywood, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 106,000 |
| Midland, Texas | 1 | $ 246,000 | $ 246,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2014
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 | 256 | $37,932,000 | $148,000 | $2,000,000 | $122,000 | $1,300,000 |
| Refinancing | 97 | $11,994,000 | $123,000 | $498,000 | $86,000 | $553,000 |
| Home Improvement | 72 | $1,409,000 | $19,000 | $111,000 | $78,000 | $1,882,000 |
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 | 365 | $43,967,000 | $120,000 | $2,000,000 | $113,000 | $1,882,000 |
| Not applicable | 24 | $1,783,000 | $74,000 | $300,000 | $0 | $0 |
| Black or African American | 22 | $3,818,000 | $173,000 | $430,000 | $143,000 | $500,000 |
| Hispanic | 8 | $1,158,000 | $144,000 | $800,000 | $77,000 | $384,000 |
| Not Provided | 6 | $609,000 | $101,000 | $145,000 | $63,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 387 | $47,275,000 | $122,000 | $2,000,000 | $111,000 | $1,882,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,151,000 | $102,000 | $257,000 | $40,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 9 | $814,000 | $90,000 | $155,000 | $86,000 | $327,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,095,000 | $136,000 | $265,000 | $69,000 | $98,000 |
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 | 316 | $37,612,000 | $119,000 | $800,000 | $113,000 | $1,882,000 |
| Application Denied By Financial Institution | 73 | $6,892,000 | $94,000 | $615,000 | $61,000 | $316,000 |
| Application Withdrawn By Applicant | 33 | $6,514,000 | $197,000 | $2,000,000 | $147,000 | $1,300,000 |
| File Closed For Incompleteness | 3 | $317,000 | $105,000 | $142,000 | $61,000 | $93,000 |
| 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 | 33 | $1,965,000 | $59,000 | $265,000 | $40,000 | $115,000 |
| Collateral | 18 | $2,273,000 | $126,000 | $615,000 | $85,000 | $316,000 |
| Debt-To-Income Ratio | 12 | $1,161,000 | $96,000 | $430,000 | $35,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $377,000 | $94,000 | $130,000 | $90,000 | $144,000 |
| Other | 3 | $466,000 | $155,000 | $200,000 | $168,000 | $261,000 |
| Employment History | 3 | $650,000 | $216,000 | $417,000 | $105,000 | $245,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2014 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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