Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Commercial Bank & Trust Company of Paris, TN reported 420 mortgage applications totaling $58.0 million, about the same as 2015. The average application was for $138,126, and applicants reported an average income of $134,976. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Jackson, TN (88), Memphis, TN-MS-AR (79) and Nashville-Davidson--Murfreesboro--Franklin, TN (5) (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 | 420 |
| Total Mortgage Loan Application Amount | $58,013,000 |
| Average Mortgage Loan Application Amount | $138,126 |
| Highest Mortgage Loan Application Amount | $986,000 |
| Average Applicant Income | $134,976 |
| Highest Applicant Income | $3,024,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 109 | $ 12,649,000 | $ 116,045 | $ 78,000 |
| Madison, Tennessee | 81 | $ 9,199,000 | $ 113,567 | $ 111,000 |
| Shelby, Tennessee | 74 | $ 16,244,000 | $ 219,513 | $ 250,000 |
| Obion, Tennessee | 67 | $ 5,589,000 | $ 83,417 | $ 73,000 |
| Weakley, Tennessee | 16 | $ 2,131,000 | $ 133,187 | $ 106,000 |
| Gibson, Tennessee | 14 | $ 1,726,000 | $ 123,285 | $ 123,000 |
| Carroll, Tennessee | 9 | $ 1,066,000 | $ 118,444 | $ 108,000 |
| Chester, Tennessee | 6 | $ 809,000 | $ 134,833 | $ 96,000 |
| McNairy, Tennessee | 5 | $ 330,000 | $ 66,000 | $ 63,000 |
| Benton, Tennessee | 3 | $ 207,000 | $ 69,000 | $ 50,000 |
| Davidson, Tennessee | 3 | $ 1,531,000 | $ 510,333 | $ 1,160,000 |
| Calloway, Kentucky | 2 | $ 31,000 | $ 15,500 | $ 30,000 |
| Graves, Kentucky | 2 | $ 189,000 | $ 94,500 | $ 62,000 |
| Lafayette, Mississippi | 2 | $ 372,000 | $ 186,000 | $ 343,000 |
| Decatur, Tennessee | 2 | $ 536,000 | $ 268,000 | $ 527,000 |
| Fayette, Tennessee | 2 | $ 612,000 | $ 306,000 | $ 521,000 |
| Hardeman, Tennessee | 2 | $ 277,000 | $ 138,500 | $ 122,000 |
| Henderson, Tennessee | 2 | $ 217,000 | $ 108,500 | $ 92,000 |
| Baldwin, Alabama | 1 | $ 175,000 | $ 175,000 | $ 390,000 |
| Colbert, Alabama | 1 | $ 250,000 | $ 250,000 | $ 848,000 |
| Crittenden, Arkansas | 1 | $ 29,000 | $ 29,000 | $ 36,000 |
| Walton, Florida | 1 | $ 986,000 | $ 986,000 | $ 406,000 |
| Fulton, Georgia | 1 | $ 243,000 | $ 243,000 | $ 222,000 |
| Sangamon, Illinois | 1 | $ 222,000 | $ 222,000 | $ 52,000 |
| Cass, Indiana | 1 | $ 124,000 | $ 124,000 | $ 92,000 |
| Jefferson, Kentucky | 1 | $ 250,000 | $ 250,000 | $ 104,000 |
| DeSoto, Mississippi | 1 | $ 88,000 | $ 88,000 | $ 34,000 |
| St. Louis, Missouri | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Crockett, Tennessee | 1 | $ 106,000 | $ 106,000 | $ 147,000 |
| Dyer, Tennessee | 1 | $ 392,000 | $ 392,000 | $ 310,000 |
| Haywood, Tennessee | 1 | $ 97,000 | $ 97,000 | $ 119,000 |
| Knox, Tennessee | 1 | $ 207,000 | $ 207,000 | $ 112,000 |
| Lake, Tennessee | 1 | $ 23,000 | $ 23,000 | $ 110,000 |
| Maury, Tennessee | 1 | $ 289,000 | $ 289,000 | $ 0 |
| Tipton, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 59,000 |
| Williamson, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 178,000 |
| Midland, Texas | 1 | $ 130,000 | $ 130,000 | $ 251,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2016
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 | 243 | $32,029,000 | $131,000 | $986,000 | $121,000 | $3,024,000 |
| Refinancing | 119 | $23,721,000 | $199,000 | $900,000 | $183,000 | $1,490,000 |
| Home Improvement | 58 | $2,263,000 | $39,000 | $392,000 | $95,000 | $912,000 |
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 | 359 | $51,132,000 | $142,000 | $986,000 | $145,000 | $3,024,000 |
| Not applicable | 26 | $2,450,000 | $94,000 | $289,000 | $0 | $0 |
| Black or African American | 22 | $2,482,000 | $112,000 | $720,000 | $122,000 | $787,000 |
| Hispanic | 6 | $285,000 | $47,000 | $128,000 | $33,000 | $57,000 |
| Not Provided | 5 | $1,093,000 | $218,000 | $360,000 | $118,000 | $227,000 |
| Asian | 2 | $571,000 | $285,000 | $417,000 | $570,000 | $1,093,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 382 | $53,368,000 | $139,000 | $986,000 | $142,000 | $3,024,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,800,000 | $94,000 | $196,000 | $38,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,713,000 | $131,000 | $275,000 | $76,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,132,000 | $188,000 | $423,000 | $81,000 | $186,000 |
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 | 328 | $44,752,000 | $136,000 | $986,000 | $132,000 | $1,298,000 |
| Application Withdrawn By Applicant | 46 | $7,340,000 | $159,000 | $920,000 | $191,000 | $3,024,000 |
| Application Denied By Financial Institution | 42 | $4,433,000 | $105,000 | $262,000 | $67,000 | $277,000 |
| File Closed For Incompleteness | 4 | $1,488,000 | $372,000 | $900,000 | $447,000 | $1,490,000 |
| 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 | 23 | $1,671,000 | $72,000 | $178,000 | $54,000 | $175,000 |
| Collateral | 9 | $1,028,000 | $114,000 | $243,000 | $79,000 | $222,000 |
| Debt-To-Income Ratio | 4 | $525,000 | $131,000 | $251,000 | $104,000 | $277,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $645,000 | $215,000 | $240,000 | $47,000 | $113,000 |
| Other | 1 | $262,000 | $262,000 | $262,000 | $183,000 | $183,000 |
| Unverifiable Information | 1 | $142,000 | $142,000 | $142,000 | $28,000 | $28,000 |
| Employment History | 1 | $160,000 | $160,000 | $160,000 | $82,000 | $82,000 |
| 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 2016 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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