Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, Commercial Bank & Trust Company of Paris, TN reported 617 mortgage applications totaling $79.8 million, down 4% from 2008. The average application was for $129,337, and applicants reported an average income of $113,773. 81% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Memphis, TN-MS-AR (161), Jackson, TN (46) and Clarksville, TN-KY (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 | 617 |
| Total Mortgage Loan Application Amount | $79,801,000 |
| Average Mortgage Loan Application Amount | $129,337 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $113,773 |
| Highest Applicant Income | $2,900,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Memphis, TN-MS-AR | 161 | $ 31,098,000 | $ 193,155 | $ 159,795 |
| Jackson, TN | 46 | $ 9,328,000 | $ 202,782 | $ 158,000 |
| Clarksville, TN-KY | 5 | $ 894,000 | $ 178,800 | $ 89,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,101,000 | $ 220,200 | $ 100,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 417,000 | $ 417,000 | $ 240,000 |
| Durham-Chapel Hill, NC | 1 | $ 243,000 | $ 243,000 | $ 87,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 298,000 | $ 298,000 | $ 119,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 208,000 | $ 208,000 | $ 127,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 417,000 | $ 417,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2009
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 | 314 | $48,953,000 | $155,000 | $652,000 | $131,000 | $2,900,000 |
| Home Purchase | 238 | $28,915,000 | $121,000 | $960,000 | $103,000 | $1,500,000 |
| Home Improvement | 65 | $1,933,000 | $29,000 | $409,000 | $70,000 | $421,000 |
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 | 567 | $74,134,000 | $130,000 | $960,000 | $111,000 | $2,900,000 |
| Black or African American | 25 | $2,439,000 | $97,000 | $417,000 | $107,000 | $857,000 |
| Hispanic | 8 | $1,545,000 | $193,000 | $595,000 | $111,000 | $507,000 |
| Not applicable | 7 | $525,000 | $75,000 | $282,000 | $429,000 | $1,500,000 |
| Not Provided | 6 | $509,000 | $84,000 | $179,000 | $48,000 | $92,000 |
| Asian | 4 | $649,000 | $162,000 | $296,000 | $145,000 | $426,000 |
| 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) | 533 | $69,399,000 | $130,000 | $960,000 | $124,000 | $2,900,000 |
| FHA-insured (Federal Housing Administration) | 50 | $6,484,000 | $129,000 | $257,000 | $50,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,895,000 | $94,000 | $179,000 | $41,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,023,000 | $144,000 | $382,000 | $72,000 | $240,000 |
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 | 502 | $66,660,000 | $132,000 | $960,000 | $124,000 | $2,900,000 |
| Application Denied By Financial Institution | 85 | $8,556,000 | $100,000 | $595,000 | $57,000 | $507,000 |
| Application Withdrawn By Applicant | 28 | $4,172,000 | $149,000 | $417,000 | $106,000 | $566,000 |
| File Closed For Incompleteness | 1 | $97,000 | $97,000 | $97,000 | $48,000 | $48,000 |
| Application Approved But Not Accepted | 1 | $316,000 | $316,000 | $316,000 | $135,000 | $135,000 |
| 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 | 44 | $3,375,000 | $76,000 | $432,000 | $41,000 | $140,000 |
| Collateral | 12 | $1,325,000 | $110,000 | $276,000 | $68,000 | $190,000 |
| Other | 12 | $1,575,000 | $131,000 | $595,000 | $115,000 | $507,000 |
| Debt-To-Income Ratio | 11 | $1,394,000 | $126,000 | $257,000 | $45,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $692,000 | $230,000 | $416,000 | $86,000 | $174,000 |
| Unverifiable Information | 2 | $188,000 | $94,000 | $121,000 | $29,000 | $35,000 |
| Employment History | 1 | $7,000 | $7,000 | $7,000 | $14,000 | $14,000 |
| 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 2009 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.
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with aggregated HMDA statistics today.
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