Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, Commercial Bank & Trust Company of Paris, TN reported 621 mortgage applications totaling $128.0 million, up 51% from 2019. The average application was for $206,111, and applicants reported an average income of $162,322. 78% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Jackson, TN (164), Memphis, TN-MS-AR (132) and Nashville-Davidson--Murfreesboro--Franklin, TN (11) (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 | 621 |
| Total Mortgage Loan Application Amount | $127,995,000 |
| Average Mortgage Loan Application Amount | $206,111 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $162,322 |
| Highest Applicant Income | $2,942,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 172 | $ 25,300,000 | $ 147,093 | $ 118,000 |
| Madison, Tennessee | 131 | $ 25,455,000 | $ 194,312 | $ 160,000 |
| Shelby, Tennessee | 113 | $ 32,085,000 | $ 283,938 | $ 216,000 |
| Obion, Tennessee | 60 | $ 10,210,000 | $ 170,166 | $ 120,000 |
| Gibson, Tennessee | 18 | $ 3,440,000 | $ 191,111 | $ 108,000 |
| Chester, Tennessee | 10 | $ 1,350,000 | $ 135,000 | $ 110,000 |
| Weakley, Tennessee | 10 | $ 1,330,000 | $ 133,000 | $ 62,000 |
| Carroll, Tennessee | 9 | $ 995,000 | $ 110,555 | $ 72,000 |
| Fayette, Tennessee | 9 | $ 3,005,000 | $ 333,888 | $ 208,000 |
| Calloway, Kentucky | 7 | $ 1,325,000 | $ 189,285 | $ 110,000 |
| Benton, Tennessee | 7 | $ 625,000 | $ 89,285 | $ 122,000 |
| Decatur, Tennessee | 7 | $ 1,735,000 | $ 247,857 | $ 294,000 |
| Crockett, Tennessee | 5 | $ 1,125,000 | $ 225,000 | $ 100,000 |
| Henderson, Tennessee | 5 | $ 1,165,000 | $ 233,000 | $ 138,000 |
| DeSoto, Mississippi | 4 | $ 1,330,000 | $ 332,500 | $ 101,000 |
| Davidson, Tennessee | 4 | $ 1,020,000 | $ 255,000 | $ 251,000 |
| Hardin, Tennessee | 4 | $ 1,150,000 | $ 287,500 | $ 235,000 |
| Crittenden, Arkansas | 3 | $ 1,325,000 | $ 441,666 | $ 414,000 |
| Rutherford, Tennessee | 3 | $ 875,000 | $ 291,666 | $ 91,000 |
| Cleburne, Arkansas | 2 | $ 1,280,000 | $ 640,000 | $ 822,000 |
| Walton, Florida | 2 | $ 1,030,000 | $ 515,000 | $ 421,000 |
| Marshall, Mississippi | 2 | $ 250,000 | $ 125,000 | $ 41,000 |
| Haywood, Tennessee | 2 | $ 140,000 | $ 70,000 | $ 38,000 |
| Lauderdale, Tennessee | 2 | $ 130,000 | $ 65,000 | $ 50,000 |
| Montgomery, Tennessee | 2 | $ 330,000 | $ 165,000 | $ 90,000 |
| Wilson, Tennessee | 2 | $ 300,000 | $ 150,000 | $ 76,000 |
| Cullman, Alabama | 1 | $ 235,000 | $ 235,000 | $ 360,000 |
| Lonoke, Arkansas | 1 | $ 505,000 | $ 505,000 | $ 123,000 |
| Mississippi, Arkansas | 1 | $ 645,000 | $ 645,000 | $ 400,000 |
| Bay, Florida | 1 | $ 335,000 | $ 335,000 | $ 2,942,000 |
| Okaloosa, Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 515,000 |
| Columbia, Georgia | 1 | $ 125,000 | $ 125,000 | $ 364,000 |
| McIntosh, Georgia | 1 | $ 255,000 | $ 255,000 | $ 118,000 |
| Newton, Georgia | 1 | $ 205,000 | $ 205,000 | $ 171,000 |
| Jefferson, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 956,000 |
| Trigg, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Orleans, Louisiana | 1 | $ 1,325,000 | $ 1,325,000 | $ 0 |
| Benton, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 1,231,000 |
| Tippah, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Tishomingo, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Forsyth, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 162,000 |
| Guilford, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 160,000 |
| Watauga, North Carolina | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Aiken, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Hamblen, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 145,000 |
| Hardeman, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Humphreys, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 1,204,000 |
| McNairy, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Sevier, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 364,000 |
| Sumner, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 52,000 |
| Tipton, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 30,000 |
| Williamson, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 166,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 294 | $63,570,000 | $216,000 | $1,455,000 | $159,000 | $1,231,000 |
| Home Purchase | 259 | $52,255,000 | $201,000 | $1,505,000 | $164,000 | $2,942,000 |
| Cash-out Refinancing | 44 | $9,720,000 | $220,000 | $635,000 | $144,000 | $426,000 |
| Home Improvement | 12 | $1,030,000 | $85,000 | $225,000 | $136,000 | $462,000 |
| Other Purpose | 12 | $1,420,000 | $118,000 | $515,000 | $301,000 | $956,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 549 | $110,115,000 | $200,000 | $1,505,000 | $163,000 | $2,942,000 |
| Not applicable | 35 | $10,255,000 | $293,000 | $1,455,000 | $0 | $0 |
| Black or African American | 18 | $3,270,000 | $181,000 | $725,000 | $118,000 | $431,000 |
| Asian | 9 | $3,045,000 | $338,000 | $995,000 | $342,000 | $1,095,000 |
| Not Provided | 5 | $815,000 | $163,000 | $255,000 | $52,000 | $135,000 |
| Hispanic | 3 | $285,000 | $95,000 | $205,000 | $97,000 | $171,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $96,000 | $96,000 |
| 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) | 611 | $126,685,000 | $207,000 | $1,505,000 | $165,000 | $2,942,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $820,000 | $136,000 | $225,000 | $51,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 2 | $280,000 | $140,000 | $215,000 | $49,000 | $72,000 |
| FHA-insured (Federal Housing Administration) | 2 | $210,000 | $105,000 | $125,000 | $59,000 | $64,000 |
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 | 483 | $106,695,000 | $220,000 | $1,505,000 | $181,000 | $2,942,000 |
| Application Denied By Financial Institution | 68 | $10,640,000 | $156,000 | $485,000 | $94,000 | $1,204,000 |
| Application Withdrawn By Applicant | 68 | $10,510,000 | $154,000 | $515,000 | $114,000 | $490,000 |
| Application Approved But Not Accepted | 2 | $150,000 | $75,000 | $125,000 | $59,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 621 | $127,995,000 | $206,000 | $1,505,000 | $163,000 | $2,942,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2020 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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