Community First Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Community First Bank & Trust of Columbia, TN reported 265 mortgage applications totaling $28.6 million, down 19% from 2016. The average application was for $108,056, and applicants reported an average income of $87,449. 77% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (231), Cincinnati, OH-KY-IN (1) and Clarksville, TN-KY (1) (applications in parentheses).
| Mortgage Company & Address | Community First Bank & Trust 501 S James Campbell Blvd Columbia, TN 38401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 265 |
| Total Mortgage Loan Application Amount | $28,635,000 |
| Average Mortgage Loan Application Amount | $108,056 |
| Highest Mortgage Loan Application Amount | $1,331,000 |
| Average Applicant Income | $87,449 |
| Highest Applicant Income | $1,751,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Community First Bank & Trust in 2017
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 | 95 | $16,508,000 | $173,000 | $1,331,000 | $106,000 | $717,000 |
| Home Improvement | 88 | $2,063,000 | $23,000 | $238,000 | $52,000 | $230,000 |
| Refinancing | 82 | $10,064,000 | $122,000 | $760,000 | $104,000 | $1,751,000 |
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 | 230 | $22,624,000 | $98,000 | $760,000 | $93,000 | $1,751,000 |
| Not applicable | 14 | $3,876,000 | $276,000 | $1,331,000 | $0 | $0 |
| Black or African American | 11 | $998,000 | $90,000 | $164,000 | $70,000 | $145,000 |
| Not Provided | 4 | $389,000 | $97,000 | $280,000 | $98,000 | $206,000 |
| Hispanic | 3 | $263,000 | $87,000 | $93,000 | $57,000 | $86,000 |
| Asian | 3 | $485,000 | $161,000 | $303,000 | $172,000 | $216,000 |
| 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) | 258 | $27,717,000 | $107,000 | $1,331,000 | $89,000 | $1,751,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $550,000 | $137,000 | $151,000 | $42,000 | $50,000 |
| FHA-insured (Federal Housing Administration) | 3 | $368,000 | $122,000 | $238,000 | $60,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 203 | $22,962,000 | $113,000 | $1,331,000 | $97,000 | $1,751,000 |
| Application Denied By Financial Institution | 43 | $3,817,000 | $88,000 | $464,000 | $54,000 | $242,000 |
| Application Withdrawn By Applicant | 12 | $1,493,000 | $124,000 | $316,000 | $81,000 | $183,000 |
| Application Approved But Not Accepted | 7 | $363,000 | $51,000 | $141,000 | $44,000 | $97,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First Bank & Trust's 2017 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 Community First Bank & Trust'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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