Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Commercial Bank & Trust Company of Paris, TN reported 424 mortgage applications totaling $59.5 million, up 1% from 2016. The average application was for $140,424, and applicants reported an average income of $105,558. 77% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Jackson, TN (99), Memphis, TN-MS-AR (60) 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 | 424 |
| Total Mortgage Loan Application Amount | $59,540,000 |
| Average Mortgage Loan Application Amount | $140,424 |
| Highest Mortgage Loan Application Amount | $1,512,000 |
| Average Applicant Income | $105,558 |
| Highest Applicant Income | $2,338,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 121 | $ 11,935,000 | $ 98,636 | $ 65,000 |
| Madison, Tennessee | 90 | $ 12,298,000 | $ 136,644 | $ 115,000 |
| Obion, Tennessee | 72 | $ 7,746,000 | $ 107,583 | $ 82,000 |
| Shelby, Tennessee | 56 | $ 10,927,000 | $ 195,125 | $ 148,000 |
| Gibson, Tennessee | 24 | $ 3,301,000 | $ 137,541 | $ 104,000 |
| Weakley, Tennessee | 11 | $ 983,000 | $ 89,363 | $ 69,000 |
| Chester, Tennessee | 9 | $ 1,191,000 | $ 132,333 | $ 64,000 |
| McNairy, Tennessee | 6 | $ 496,000 | $ 82,666 | $ 48,000 |
| Carroll, Tennessee | 5 | $ 300,000 | $ 60,000 | $ 59,000 |
| Fayette, Tennessee | 3 | $ 1,363,000 | $ 454,333 | $ 286,000 |
| Benton, Tennessee | 2 | $ 65,000 | $ 32,500 | $ 46,000 |
| Davidson, Tennessee | 2 | $ 2,527,000 | $ 1,263,500 | $ 396,000 |
| Dyer, Tennessee | 2 | $ 105,000 | $ 52,500 | $ 97,000 |
| Rutherford, Tennessee | 2 | $ 445,000 | $ 222,500 | $ 116,000 |
| Stewart, Tennessee | 2 | $ 383,000 | $ 191,500 | $ 59,000 |
| Baxter, Arkansas | 1 | $ 81,000 | $ 81,000 | $ 88,000 |
| Pulaski, Arkansas | 1 | $ 280,000 | $ 280,000 | $ 110,000 |
| Weld, Colorado | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 1,512,000 | $ 1,512,000 | $ 2,338,000 |
| Walton, Florida | 1 | $ 585,000 | $ 585,000 | $ 400,000 |
| Walker, Georgia | 1 | $ 128,000 | $ 128,000 | $ 324,000 |
| Orleans, Louisiana | 1 | $ 329,000 | $ 329,000 | $ 780,000 |
| DeSoto, Mississippi | 1 | $ 19,000 | $ 19,000 | $ 52,000 |
| Lafayette, Mississippi | 1 | $ 180,000 | $ 180,000 | $ 600,000 |
| Westchester, New York | 1 | $ 537,000 | $ 537,000 | $ 200,000 |
| Decatur, Tennessee | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Hardeman, Tennessee | 1 | $ 199,000 | $ 199,000 | $ 75,000 |
| Haywood, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 128,000 |
| Henderson, Tennessee | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| Lake, Tennessee | 1 | $ 24,000 | $ 24,000 | $ 149,000 |
| Williamson, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 113,000 |
| Harris, Texas | 1 | $ 887,000 | $ 887,000 | $ 337,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2017
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 | 273 | $40,805,000 | $149,000 | $1,512,000 | $106,000 | $2,338,000 |
| Refinancing | 91 | $16,512,000 | $181,000 | $1,267,000 | $129,000 | $848,000 |
| Home Improvement | 60 | $2,223,000 | $37,000 | $544,000 | $68,000 | $299,000 |
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 | 390 | $54,330,000 | $139,000 | $1,400,000 | $106,000 | $848,000 |
| Black or African American | 15 | $1,354,000 | $90,000 | $366,000 | $70,000 | $142,000 |
| Not applicable | 11 | $1,891,000 | $171,000 | $786,000 | $0 | $0 |
| Hispanic | 4 | $1,624,000 | $406,000 | $1,512,000 | $601,000 | $2,338,000 |
| Not Provided | 3 | $247,000 | $82,000 | $148,000 | $22,000 | $39,000 |
| Asian | 1 | $94,000 | $94,000 | $94,000 | $112,000 | $112,000 |
| 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) | 357 | $50,379,000 | $141,000 | $1,512,000 | $114,000 | $2,338,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,544,000 | $97,000 | $161,000 | $39,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 22 | $3,021,000 | $137,000 | $280,000 | $69,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,596,000 | $189,000 | $537,000 | $78,000 | $277,000 |
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 | $45,947,000 | $140,000 | $1,512,000 | $115,000 | $2,338,000 |
| Application Denied By Financial Institution | 59 | $8,879,000 | $150,000 | $1,267,000 | $73,000 | $403,000 |
| Application Withdrawn By Applicant | 29 | $3,867,000 | $133,000 | $748,000 | $79,000 | $191,000 |
| Application Approved But Not Accepted | 8 | $847,000 | $105,000 | $195,000 | $77,000 | $174,000 |
| File Closed For Incompleteness | 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 | 24 | $2,439,000 | $101,000 | $281,000 | $59,000 | $325,000 |
| Debt-To-Income Ratio | 19 | $4,210,000 | $221,000 | $1,267,000 | $68,000 | $256,000 |
| Collateral | 10 | $1,143,000 | $114,000 | $263,000 | $80,000 | $286,000 |
| Other | 2 | $455,000 | $227,000 | $280,000 | $294,000 | $403,000 |
| Employment History | 2 | $244,000 | $122,000 | $163,000 | $36,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $156,000 | $156,000 | $156,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 1 | $232,000 | $232,000 | $232,000 | $53,000 | $53,000 |
| Unverifiable Information | 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 2017 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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