Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2024
In 2024, Commercial Bank & Trust Company of Paris, TN reported 490 mortgage applications totaling $97.1 million, up 8% from 2023. The average application was for $198,061, and applicants reported an average income of $178,936. 79% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Jackson, TN (136), Memphis, TN-MS-AR (113) and Nashville-Davidson--Murfreesboro--Franklin, TN (7) (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 | 490 |
| Total Mortgage Loan Application Amount | $97,050,000 |
| Average Mortgage Loan Application Amount | $198,061 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $178,936 |
| Highest Applicant Income | $2,257,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Madison, Tennessee | 108 | $ 23,230,000 | $ 215,092 | $ 174,000 |
| Shelby, Tennessee | 101 | $ 28,065,000 | $ 277,871 | $ 257,000 |
| Henry, Tennessee | 90 | $ 10,320,000 | $ 114,666 | $ 117,000 |
| Obion, Tennessee | 78 | $ 8,660,000 | $ 111,025 | $ 107,000 |
| Gibson, Tennessee | 20 | $ 3,570,000 | $ 178,500 | $ 184,000 |
| Weakley, Tennessee | 14 | $ 2,530,000 | $ 180,714 | $ 206,000 |
| Dyer, Tennessee | 7 | $ 1,045,000 | $ 149,285 | $ 108,000 |
| Chester, Tennessee | 5 | $ 405,000 | $ 81,000 | $ 131,000 |
| Lafayette, Mississippi | 4 | $ 960,000 | $ 240,000 | $ 566,000 |
| Benton, Tennessee | 4 | $ 560,000 | $ 140,000 | $ 206,000 |
| Davidson, Tennessee | 4 | $ 1,470,000 | $ 367,500 | $ 411,000 |
| Haywood, Tennessee | 4 | $ 1,310,000 | $ 327,500 | $ 168,000 |
| Walton, Florida | 3 | $ 2,015,000 | $ 671,666 | $ 248,000 |
| Fulton, Kentucky | 3 | $ 85,000 | $ 28,333 | $ 120,000 |
| DeSoto, Mississippi | 3 | $ 485,000 | $ 161,666 | $ 107,000 |
| Carroll, Tennessee | 3 | $ 215,000 | $ 71,666 | $ 176,000 |
| Crockett, Tennessee | 3 | $ 585,000 | $ 195,000 | $ 126,000 |
| Decatur, Tennessee | 3 | $ 885,000 | $ 295,000 | $ 185,000 |
| Fayette, Tennessee | 3 | $ 1,315,000 | $ 438,333 | $ 225,000 |
| Crittenden, Arkansas | 2 | $ 300,000 | $ 150,000 | $ 116,000 |
| Tate, Mississippi | 2 | $ 240,000 | $ 120,000 | $ 254,000 |
| Tishomingo, Mississippi | 2 | $ 1,120,000 | $ 560,000 | $ 315,000 |
| Hamilton, Tennessee | 2 | $ 850,000 | $ 425,000 | $ 275,000 |
| Henderson, Tennessee | 2 | $ 170,000 | $ 85,000 | $ 66,000 |
| Knox, Tennessee | 2 | $ 670,000 | $ 335,000 | $ 193,000 |
| McNairy, Tennessee | 2 | $ 990,000 | $ 495,000 | $ 324,000 |
| Lee, Alabama | 1 | $ 295,000 | $ 295,000 | $ 427,000 |
| Tuscaloosa, Alabama | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Garland, Arkansas | 1 | $ 435,000 | $ 435,000 | $ 200,000 |
| Lonoke, Arkansas | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Calloway, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Benton, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Lee, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| Cape Girardeau, Missouri | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Jackson, North Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,139,000 |
| Bradley, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Dickson, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 377,000 |
| Hardin, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Humphreys, Tennessee | 1 | $ 765,000 | $ 765,000 | $ 286,000 |
| Rutherford, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 189,000 |
| Tipton, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Williamson, Tennessee | 1 | $ 1,005,000 | $ 1,005,000 | $ 901,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2024
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 | 188 | $57,200,000 | $304,000 | $2,855,000 | $201,000 | $1,317,000 |
| Home Improvement | 130 | $12,430,000 | $95,000 | $645,000 | $140,000 | $1,484,000 |
| Refinancing | 92 | $19,320,000 | $210,000 | $3,005,000 | $203,000 | $2,257,000 |
| Other Purpose | 67 | $7,635,000 | $113,000 | $1,005,000 | $188,000 | $1,584,000 |
| Not Applicable | 10 | $220,000 | $22,000 | $65,000 | $23,000 | $34,000 |
| Cash-out Refinancing | 3 | $245,000 | $81,000 | $125,000 | $63,000 | $90,000 |
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 | 422 | $76,490,000 | $181,000 | $1,555,000 | $182,000 | $2,257,000 |
| Not applicable | 27 | $13,225,000 | $489,000 | $3,005,000 | $15,000 | $15,000 |
| Black or African American | 27 | $2,995,000 | $110,000 | $435,000 | $98,000 | $546,000 |
| Hispanic | 5 | $315,000 | $63,000 | $155,000 | $84,000 | $130,000 |
| Not Provided | 5 | $2,435,000 | $487,000 | $1,005,000 | $368,000 | $1,139,000 |
| Asian | 4 | $1,590,000 | $397,000 | $735,000 | $252,000 | $375,000 |
| 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) | 484 | $95,790,000 | $197,000 | $3,005,000 | $179,000 | $2,257,000 |
| FHA-insured (Federal Housing Administration) | 4 | $610,000 | $152,000 | $245,000 | $96,000 | $213,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $265,000 | $265,000 | $265,000 | $102,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 1 | $385,000 | $385,000 | $385,000 | $217,000 | $217,000 |
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 | 386 | $80,410,000 | $208,000 | $3,005,000 | $195,000 | $2,257,000 |
| Application Denied By Financial Institution | 51 | $6,095,000 | $119,000 | $455,000 | $99,000 | $593,000 |
| Application Withdrawn By Applicant | 34 | $8,740,000 | $257,000 | $735,000 | $199,000 | $1,584,000 |
| Loan Purchased By The Institution | 11 | $365,000 | $33,000 | $145,000 | $24,000 | $38,000 |
| Application Approved But Not Accepted | 8 | $1,440,000 | $180,000 | $485,000 | $132,000 | $210,000 |
| File Closed For Incompleteness | 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 | 490 | $97,050,000 | $198,000 | $3,005,000 | $179,000 | $2,257,000 |
| 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 2024 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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