Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Commercial Bank & Trust Company of Paris, TN reported 422 mortgage applications totaling $56.6 million, down 1% from 2014. The average application was for $134,063, and applicants reported an average income of $116,073. 83% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Memphis, TN-MS-AR (85), Jackson, TN (77) 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 | 422 |
| Total Mortgage Loan Application Amount | $56,575,000 |
| Average Mortgage Loan Application Amount | $134,063 |
| Highest Mortgage Loan Application Amount | $1,218,000 |
| Average Applicant Income | $116,073 |
| Highest Applicant Income | $3,000,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 114 | $ 9,320,000 | $ 81,754 | $ 69,000 |
| Shelby, Tennessee | 83 | $ 13,708,000 | $ 165,156 | $ 153,000 |
| Madison, Tennessee | 73 | $ 9,105,000 | $ 124,726 | $ 105,000 |
| Obion, Tennessee | 66 | $ 7,148,000 | $ 108,303 | $ 102,000 |
| Gibson, Tennessee | 19 | $ 1,857,000 | $ 97,736 | $ 63,000 |
| Weakley, Tennessee | 8 | $ 630,000 | $ 78,750 | $ 84,000 |
| Carroll, Tennessee | 5 | $ 115,000 | $ 23,000 | $ 51,000 |
| McNairy, Tennessee | 5 | $ 464,000 | $ 92,800 | $ 51,000 |
| Benton, Tennessee | 4 | $ 463,000 | $ 115,750 | $ 78,000 |
| Walton, Florida | 3 | $ 1,562,000 | $ 520,666 | $ 689,000 |
| Dyer, Tennessee | 3 | $ 457,000 | $ 152,333 | $ 62,000 |
| Rutherford, Tennessee | 3 | $ 474,000 | $ 158,000 | $ 54,000 |
| Lafayette, Mississippi | 2 | $ 971,000 | $ 485,500 | $ 238,000 |
| Watauga, North Carolina | 2 | $ 1,540,000 | $ 770,000 | $ 363,000 |
| Chester, Tennessee | 2 | $ 255,000 | $ 127,500 | $ 75,000 |
| Crockett, Tennessee | 2 | $ 291,000 | $ 145,500 | $ 68,000 |
| Davidson, Tennessee | 2 | $ 1,597,000 | $ 798,500 | $ 382,000 |
| Knox, Tennessee | 2 | $ 109,000 | $ 54,500 | $ 68,000 |
| Lauderdale, Alabama | 1 | $ 70,000 | $ 70,000 | $ 158,000 |
| La Plata, Colorado | 1 | $ 401,000 | $ 401,000 | $ 450,000 |
| Summit, Colorado | 1 | $ 400,000 | $ 400,000 | $ 222,000 |
| Palm Beach, Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fulton, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 197,000 |
| DeSoto, Mississippi | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Itawamba, Mississippi | 1 | $ 253,000 | $ 253,000 | $ 93,000 |
| Lee, Mississippi | 1 | $ 140,000 | $ 140,000 | $ 35,000 |
| Tishomingo, Mississippi | 1 | $ 93,000 | $ 93,000 | $ 72,000 |
| Yalobusha, Mississippi | 1 | $ 118,000 | $ 118,000 | $ 423,000 |
| Gallatin, Montana | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 773,000 | $ 773,000 | $ 349,000 |
| Chatham, North Carolina | 1 | $ 228,000 | $ 228,000 | $ 131,000 |
| Hamilton, Ohio | 1 | $ 1,000,000 | $ 1,000,000 | $ 428,000 |
| Cheatham, Tennessee | 1 | $ 480,000 | $ 480,000 | $ 3,000,000 |
| Fayette, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Hardin, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 202,000 |
| Haywood, Tennessee | 1 | $ 229,000 | $ 229,000 | $ 80,000 |
| Henderson, Tennessee | 1 | $ 186,000 | $ 186,000 | $ 101,000 |
| Lake, Tennessee | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Lauderdale, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 76,000 |
| Stewart, Tennessee | 1 | $ 63,000 | $ 63,000 | $ 40,000 |
| Williamson, Tennessee | 1 | $ 945,000 | $ 945,000 | $ 263,000 |
| Wilson, Tennessee | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2015
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 | 275 | $38,889,000 | $141,000 | $1,218,000 | $125,000 | $3,000,000 |
| Refinancing | 100 | $15,791,000 | $157,000 | $799,000 | $116,000 | $639,000 |
| Home Improvement | 47 | $1,895,000 | $40,000 | $500,000 | $64,000 | $250,000 |
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 | 363 | $50,548,000 | $139,000 | $1,218,000 | $129,000 | $3,000,000 |
| Not applicable | 34 | $2,562,000 | $75,000 | $668,000 | $0 | $0 |
| Black or African American | 15 | $983,000 | $65,000 | $204,000 | $52,000 | $103,000 |
| Asian | 4 | $533,000 | $133,000 | $248,000 | $103,000 | $147,000 |
| Hispanic | 3 | $1,608,000 | $536,000 | $799,000 | $268,000 | $382,000 |
| Not Provided | 3 | $341,000 | $113,000 | $189,000 | $57,000 | $95,000 |
| 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) | 368 | $50,461,000 | $137,000 | $1,218,000 | $126,000 | $3,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,179,000 | $87,000 | $189,000 | $38,000 | $95,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,125,000 | $135,000 | $257,000 | $59,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 6 | $810,000 | $135,000 | $299,000 | $73,000 | $119,000 |
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 | 351 | $46,512,000 | $132,000 | $1,218,000 | $120,000 | $3,000,000 |
| Application Denied By Financial Institution | 36 | $3,885,000 | $107,000 | $770,000 | $68,000 | $323,000 |
| Application Withdrawn By Applicant | 34 | $5,906,000 | $173,000 | $1,000,000 | $126,000 | $486,000 |
| File Closed For Incompleteness | 1 | $272,000 | $272,000 | $272,000 | $140,000 | $140,000 |
| 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 | 15 | $1,030,000 | $68,000 | $168,000 | $60,000 | $248,000 |
| Collateral | 11 | $1,808,000 | $164,000 | $770,000 | $90,000 | $323,000 |
| Debt-To-Income Ratio | 3 | $207,000 | $69,000 | $130,000 | $35,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $154,000 | $77,000 | $114,000 | $40,000 | $61,000 |
| Other | 2 | $325,000 | $162,000 | $270,000 | $153,000 | $234,000 |
| Unverifiable Information | 2 | $274,000 | $137,000 | $137,000 | $36,000 | $36,000 |
| Employment History | 1 | $87,000 | $87,000 | $87,000 | $23,000 | $23,000 |
| Credit Application Incomplete | 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 2015 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