Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Commercial Bank & Trust Company of Paris, TN reported 548 mortgage applications totaling $116.3 million, down 12% from 2020. The average application was for $212,135, and applicants reported an average income of $147,644. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Jackson, TN (150), Memphis, TN-MS-AR (81) and Nashville-Davidson--Murfreesboro--Franklin, TN (12) (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 | 548 |
| Total Mortgage Loan Application Amount | $116,250,000 |
| Average Mortgage Loan Application Amount | $212,135 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $147,644 |
| Highest Applicant Income | $1,051,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 155 | $ 22,875,000 | $ 147,580 | $ 114,000 |
| Madison, Tennessee | 111 | $ 28,125,000 | $ 253,378 | $ 160,000 |
| Shelby, Tennessee | 73 | $ 21,055,000 | $ 288,424 | $ 189,000 |
| Obion, Tennessee | 71 | $ 11,465,000 | $ 161,478 | $ 112,000 |
| Gibson, Tennessee | 23 | $ 4,785,000 | $ 208,043 | $ 144,000 |
| Chester, Tennessee | 10 | $ 1,710,000 | $ 171,000 | $ 146,000 |
| Weakley, Tennessee | 10 | $ 1,200,000 | $ 120,000 | $ 156,000 |
| Carroll, Tennessee | 6 | $ 680,000 | $ 113,333 | $ 83,000 |
| Crockett, Tennessee | 6 | $ 1,540,000 | $ 256,666 | $ 122,000 |
| Davidson, Tennessee | 6 | $ 2,220,000 | $ 370,000 | $ 216,000 |
| Fayette, Tennessee | 5 | $ 1,215,000 | $ 243,000 | $ 127,000 |
| Walton, Florida | 4 | $ 3,290,000 | $ 822,500 | $ 505,000 |
| Decatur, Tennessee | 4 | $ 730,000 | $ 182,500 | $ 194,000 |
| Stewart, Tennessee | 4 | $ 940,000 | $ 235,000 | $ 137,000 |
| Sarasota, Florida | 3 | $ 1,385,000 | $ 461,666 | $ 440,000 |
| Lafayette, Mississippi | 3 | $ 485,000 | $ 161,666 | $ 390,000 |
| Benton, Tennessee | 3 | $ 465,000 | $ 155,000 | $ 86,000 |
| Dyer, Tennessee | 3 | $ 635,000 | $ 211,666 | $ 145,000 |
| Haywood, Tennessee | 3 | $ 745,000 | $ 248,333 | $ 179,000 |
| Henderson, Tennessee | 3 | $ 605,000 | $ 201,666 | $ 70,000 |
| McNairy, Tennessee | 3 | $ 645,000 | $ 215,000 | $ 61,000 |
| Williamson, Tennessee | 3 | $ 1,025,000 | $ 341,666 | $ 206,000 |
| Baldwin, Alabama | 2 | $ 730,000 | $ 365,000 | $ 187,000 |
| DeSoto, Mississippi | 2 | $ 230,000 | $ 115,000 | $ 53,000 |
| Hamilton, Tennessee | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Humphreys, Tennessee | 2 | $ 390,000 | $ 195,000 | $ 107,000 |
| Knox, Tennessee | 2 | $ 430,000 | $ 215,000 | $ 204,000 |
| Sevier, Tennessee | 2 | $ 1,000,000 | $ 500,000 | $ 520,000 |
| Wilson, Tennessee | 2 | $ 580,000 | $ 290,000 | $ 106,000 |
| Lauderdale, Alabama | 1 | $ 95,000 | $ 95,000 | $ 311,000 |
| Cleburne, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 225,000 |
| Duval, Florida | 1 | $ 235,000 | $ 235,000 | $ 41,000 |
| Manatee, Florida | 1 | $ 605,000 | $ 605,000 | $ 137,000 |
| Volusia, Florida | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Wakulla, Florida | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Catoosa, Georgia | 1 | $ 425,000 | $ 425,000 | $ 148,000 |
| Fulton, Georgia | 1 | $ 75,000 | $ 75,000 | $ 153,000 |
| McLean, Illinois | 1 | $ 135,000 | $ 135,000 | $ 486,000 |
| Calloway, Kentucky | 1 | $ 475,000 | $ 475,000 | $ 177,000 |
| Henderson, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Tippah, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Union, Mississippi | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Buncombe, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bedford, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 153,000 |
| Blount, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 176,000 |
| Hardeman, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Hardin, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 734,000 |
| Lake, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 183,000 |
| Sumner, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Tipton, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 138,000 |
| Williamson, Texas | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2021
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 | 253 | $57,285,000 | $226,000 | $1,655,000 | $154,000 | $867,000 |
| Refinancing | 179 | $38,465,000 | $214,000 | $1,685,000 | $144,000 | $1,051,000 |
| Cash-out Refinancing | 81 | $16,495,000 | $203,000 | $545,000 | $149,000 | $590,000 |
| Other Purpose | 21 | $3,035,000 | $144,000 | $505,000 | $138,000 | $893,000 |
| Home Improvement | 14 | $970,000 | $69,000 | $245,000 | $86,000 | $273,000 |
| 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 | 479 | $95,405,000 | $199,000 | $1,655,000 | $144,000 | $1,051,000 |
| Not applicable | 26 | $11,750,000 | $451,000 | $1,685,000 | $0 | $0 |
| Black or African American | 20 | $3,190,000 | $159,000 | $805,000 | $138,000 | $867,000 |
| Asian | 17 | $4,935,000 | $290,000 | $1,495,000 | $262,000 | $593,000 |
| Hispanic | 4 | $720,000 | $180,000 | $345,000 | $74,000 | $91,000 |
| Not Provided | 2 | $250,000 | $125,000 | $145,000 | $212,000 | $225,000 |
| 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) | 540 | $115,140,000 | $213,000 | $1,685,000 | $149,000 | $1,051,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $505,000 | $101,000 | $125,000 | $44,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 2 | $430,000 | $215,000 | $215,000 | $133,000 | $153,000 |
| FHA-insured (Federal Housing Administration) | 1 | $175,000 | $175,000 | $175,000 | $39,000 | $39,000 |
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 | 420 | $95,320,000 | $226,000 | $1,685,000 | $163,000 | $1,051,000 |
| Application Denied By Financial Institution | 59 | $8,825,000 | $149,000 | $655,000 | $69,000 | $462,000 |
| Application Withdrawn By Applicant | 59 | $10,045,000 | $170,000 | $805,000 | $118,000 | $559,000 |
| Application Approved But Not Accepted | 10 | $2,060,000 | $206,000 | $415,000 | $186,000 | $520,000 |
| 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 | 548 | $116,250,000 | $212,000 | $1,685,000 | $147,000 | $1,051,000 |
| 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 2021 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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