Commercial Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Commercial Bank & Trust Company of Paris, TN reported 519 mortgage applications totaling $67.8 million, up 10% from 2011. The average application was for $130,682, and applicants reported an average income of $108,805. 81% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Memphis, TN-MS-AR (128), Jackson, TN (71) and Nashville-Davidson--Murfreesboro--Franklin, 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 | 519 |
| Total Mortgage Loan Application Amount | $67,824,000 |
| Average Mortgage Loan Application Amount | $130,682 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $108,805 |
| Highest Applicant Income | $1,400,000 |
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records Commercial Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 245 | $39,402,000 | $160,000 | $455,000 | $118,000 | $854,000 |
| Home Purchase | 219 | $26,483,000 | $120,000 | $1,200,000 | $105,000 | $1,400,000 |
| Home Improvement | 55 | $1,939,000 | $35,000 | $250,000 | $83,000 | $720,000 |
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 | 472 | $63,114,000 | $133,000 | $1,200,000 | $114,000 | $1,400,000 |
| Not applicable | 19 | $1,207,000 | $63,000 | $229,000 | $0 | $0 |
| Black or African American | 16 | $1,818,000 | $113,000 | $387,000 | $96,000 | $225,000 |
| Asian | 4 | $553,000 | $138,000 | $270,000 | $103,000 | $302,000 |
| Not Provided | 4 | $257,000 | $64,000 | $200,000 | $34,000 | $62,000 |
| Hispanic | 3 | $613,000 | $204,000 | $417,000 | $157,000 | $405,000 |
| American Indian or Alaskan Native | 1 | $262,000 | $262,000 | $262,000 | $120,000 | $120,000 |
| 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) | 481 | $62,730,000 | $130,000 | $1,200,000 | $113,000 | $1,400,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,002,000 | $154,000 | $255,000 | $60,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,239,000 | $95,000 | $130,000 | $41,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,853,000 | $154,000 | $308,000 | $74,000 | $144,000 |
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 | 418 | $54,917,000 | $131,000 | $1,200,000 | $115,000 | $1,400,000 |
| Application Denied By Financial Institution | 56 | $6,570,000 | $117,000 | $417,000 | $70,000 | $422,000 |
| Application Withdrawn By Applicant | 43 | $6,121,000 | $142,000 | $397,000 | $102,000 | $684,000 |
| File Closed For Incompleteness | 2 | $216,000 | $108,000 | $136,000 | $114,000 | $131,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 17 | $1,944,000 | $114,000 | $220,000 | $45,000 | $139,000 |
| Credit History | 16 | $1,403,000 | $87,000 | $300,000 | $47,000 | $173,000 |
| Other | 10 | $1,838,000 | $183,000 | $417,000 | $138,000 | $422,000 |
| Collateral | 7 | $545,000 | $77,000 | $194,000 | $63,000 | $124,000 |
| Unverifiable Information | 3 | $384,000 | $128,000 | $195,000 | $105,000 | $143,000 |
| Credit Application Incomplete | 1 | $139,000 | $139,000 | $139,000 | $75,000 | $75,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $262,000 | $262,000 | $262,000 | $120,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust Company's 2012 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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