Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, Commercial Bank & Trust Company of Paris, TN reported 716 mortgage applications totaling $76.6 million, up 1% from 2004. The average application was for $107,033, and applicants reported an average income of $80,831. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Memphis, TN-MS-AR (130), Clarksville, TN-KY (9) and Nashville-Davidson--Murfreesboro, TN (6) (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 | 716 |
| Total Mortgage Loan Application Amount | $76,636,000 |
| Average Mortgage Loan Application Amount | $107,033 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $80,831 |
| Highest Applicant Income | $2,144,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Commercial Bank & Trust Company in 2005
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 | 417 | $45,795,000 | $385,538 | $2,100,000 | $251,230 | $2,144,000 |
| Refinancing | 226 | $28,907,000 | $417,400 | $1,000,000 | $313,200 | $1,543,000 |
| Home Improvement | 73 | $1,934,000 | $148,000 | $400,000 | $114,333 | $272,000 |
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 | 672 | $72,938,000 | $337,500 | $2,100,000 | $283,642 | $2,144,000 |
| Black or African American | 19 | $795,000 | $41,000 | $165,000 | $41,000 | $112,000 |
| Not Provided | 11 | $1,532,000 | $103,666 | $670,000 | $61,333 | $245,000 |
| Not applicable | 5 | $332,000 | $61,000 | $128,000 | $280,500 | $476,000 |
| Hispanic | 5 | $656,000 | $131,000 | $325,000 | $207,000 | $900,000 |
| Asian | 3 | $242,000 | $80,000 | $120,000 | $103,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $141,000 | $141,000 | $141,000 | $40,000 | $40,000 |
| 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) | 654 | $71,333,000 | $337,357 | $2,100,000 | $286,714 | $2,144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $3,897,000 | $72,500 | $134,000 | $36,500 | $64,000 |
| FHA-insured (Federal Housing Administration) | 8 | $769,000 | $96,000 | $159,000 | $45,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 4 | $637,000 | $159,000 | $200,000 | $63,000 | $81,000 |
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 | 618 | $69,121,000 | $382,083 | $2,100,000 | $332,000 | $2,144,000 |
| Application Denied By Financial Institution | 65 | $4,132,000 | $61,800 | $256,000 | $39,200 | $245,000 |
| Application Withdrawn By Applicant | 25 | $2,516,000 | $117,333 | $670,000 | $59,666 | $100,000 |
| File Closed For Incompleteness | 8 | $867,000 | $100,000 | $220,000 | $46,000 | $98,000 |
| Application Approved But Not Accepted | 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 | 37 | $2,072,000 | $59,000 | $134,000 | $40,500 | $245,000 |
| Debt-To-Income Ratio | 17 | $1,210,000 | $44,000 | $184,000 | $31,000 | $95,000 |
| Collateral | 7 | $464,000 | $69,500 | $90,000 | $42,000 | $55,000 |
| Employment History | 2 | $85,000 | $42,000 | $70,000 | $27,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $19,000 | $19,000 |
| Other | 1 | $256,000 | $256,000 | $256,000 | $111,000 | $111,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2005 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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