Community First Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Community First Bank & Trust of Columbia, TN reported 545 mortgage applications totaling $86.3 million, down 20% from 2009. The average application was for $158,416, and applicants reported an average income of $83,695. 76% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (247), Cape Coral-Fort Myers, FL (1) and Chattanooga, TN-GA (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 | 545 |
| Total Mortgage Loan Application Amount | $86,337,000 |
| Average Mortgage Loan Application Amount | $158,416 |
| Highest Mortgage Loan Application Amount | $2,824,000 |
| Average Applicant Income | $83,695 |
| Highest Applicant Income | $932,000 |
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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maury, Tennessee | 255 | $ 31,328,000 | $ 122,854 | $ 66,000 |
| Williamson, Tennessee | 90 | $ 26,080,000 | $ 289,777 | $ 126,000 |
| Hickman, Tennessee | 75 | $ 3,546,000 | $ 47,280 | $ 39,000 |
| Davidson, Tennessee | 49 | $ 14,002,000 | $ 285,755 | $ 135,000 |
| Rutherford, Tennessee | 19 | $ 3,099,000 | $ 163,105 | $ 90,000 |
| Lawrence, Tennessee | 13 | $ 1,301,000 | $ 100,076 | $ 67,000 |
| Lewis, Tennessee | 6 | $ 567,000 | $ 94,500 | $ 43,000 |
| Wilson, Tennessee | 6 | $ 1,649,000 | $ 274,833 | $ 213,000 |
| Giles, Tennessee | 5 | $ 413,000 | $ 82,600 | $ 103,000 |
| Dickson, Tennessee | 3 | $ 113,000 | $ 37,666 | $ 36,000 |
| Humphreys, Tennessee | 3 | $ 182,000 | $ 60,666 | $ 48,000 |
| Marshall, Tennessee | 3 | $ 321,000 | $ 107,000 | $ 53,000 |
| Sumner, Tennessee | 3 | $ 419,000 | $ 139,666 | $ 69,000 |
| Lauderdale, Alabama | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| Los Angeles, California | 1 | $ 676,000 | $ 676,000 | $ 182,000 |
| Escambia, Florida | 1 | $ 26,000 | $ 26,000 | $ 5,000 |
| Lee, Florida | 1 | $ 164,000 | $ 164,000 | $ 55,000 |
| Okaloosa, Florida | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Catoosa, Georgia | 1 | $ 60,000 | $ 60,000 | $ 289,000 |
| Bedford, Tennessee | 1 | $ 248,000 | $ 248,000 | $ 250,000 |
| Cannon, Tennessee | 1 | $ 266,000 | $ 266,000 | $ 65,000 |
| Cheatham, Tennessee | 1 | $ 81,000 | $ 81,000 | $ 64,000 |
| Coffee, Tennessee | 1 | $ 261,000 | $ 261,000 | $ 840,000 |
| DeKalb, Tennessee | 1 | $ 224,000 | $ 224,000 | $ 333,000 |
| Franklin, Tennessee | 1 | $ 117,000 | $ 117,000 | $ 123,000 |
| Shelby, Tennessee | 1 | $ 368,000 | $ 368,000 | $ 99,000 |
| Van Buren, Tennessee | 1 | $ 373,000 | $ 373,000 | $ 100,000 |
| Weakley, Tennessee | 1 | $ 103,000 | $ 103,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Community First Bank & Trust in 2010
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 | 310 | $56,708,000 | $182,000 | $1,233,000 | $91,000 | $840,000 |
| Home Purchase | 151 | $27,723,000 | $183,000 | $2,824,000 | $88,000 | $932,000 |
| Home Improvement | 84 | $1,906,000 | $22,000 | $437,000 | $49,000 | $176,000 |
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 | 502 | $77,286,000 | $153,000 | $2,824,000 | $84,000 | $932,000 |
| Not Provided | 15 | $2,669,000 | $177,000 | $1,233,000 | $117,000 | $300,000 |
| Not applicable | 9 | $1,455,000 | $161,000 | $308,000 | $0 | $0 |
| Black or African American | 9 | $3,239,000 | $359,000 | $1,008,000 | $84,000 | $249,000 |
| Hispanic | 6 | $1,289,000 | $214,000 | $417,000 | $75,000 | $142,000 |
| Asian | 3 | $349,000 | $116,000 | $235,000 | $110,000 | $188,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $72,000 | $72,000 |
| 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) | 545 | $86,337,000 | $158,000 | $2,824,000 | $83,000 | $932,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 415 | $68,967,000 | $166,000 | $2,824,000 | $89,000 | $932,000 |
| Application Denied By Financial Institution | 89 | $9,841,000 | $110,000 | $474,000 | $55,000 | $333,000 |
| Application Withdrawn By Applicant | 26 | $4,974,000 | $191,000 | $1,000,000 | $66,000 | $165,000 |
| Application Approved But Not Accepted | 12 | $2,299,000 | $191,000 | $417,000 | $153,000 | $425,000 |
| File Closed For Incompleteness | 2 | $132,000 | $66,000 | $102,000 | $31,000 | $46,000 |
| Loan Purchased By The Institution | 1 | $124,000 | $124,000 | $124,000 | $39,000 | $39,000 |
| 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 2010 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About