Community First Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Community First Bank & Trust of Columbia, TN reported 248 mortgage applications totaling $23.1 million, down 54% from 2010. The average application was for $93,092, and applicants reported an average income of $69,028. 67% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (81) and Pensacola-Ferry Pass-Brent, FL (2).
| 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 | 248 |
| Total Mortgage Loan Application Amount | $23,087,000 |
| Average Mortgage Loan Application Amount | $93,092 |
| Highest Mortgage Loan Application Amount | $1,018,000 |
| Average Applicant Income | $69,028 |
| Highest Applicant Income | $1,450,000 |
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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 142 | $ 13,574,000 | $ 95,591 | $ 65,000 |
| Hickman, Tennessee | 50 | $ 1,516,000 | $ 30,320 | $ 46,000 |
| Williamson, Tennessee | 12 | $ 2,845,000 | $ 237,083 | $ 138,000 |
| Davidson, Tennessee | 9 | $ 1,861,000 | $ 206,777 | $ 72,000 |
| Lewis, Tennessee | 8 | $ 383,000 | $ 47,875 | $ 37,000 |
| Rutherford, Tennessee | 7 | $ 1,083,000 | $ 154,714 | $ 66,000 |
| Lawrence, Tennessee | 5 | $ 223,000 | $ 44,600 | $ 58,000 |
| Dickson, Tennessee | 3 | $ 204,000 | $ 68,000 | $ 53,000 |
| Giles, Tennessee | 3 | $ 12,000 | $ 4,000 | $ 61,000 |
| Marshall, Tennessee | 3 | $ 262,000 | $ 87,333 | $ 42,000 |
| Perry, Tennessee | 2 | $ 50,000 | $ 25,000 | $ 45,000 |
| Escambia, Florida | 1 | $ 74,000 | $ 74,000 | $ 100,000 |
| Santa Rosa, Florida | 1 | $ 52,000 | $ 52,000 | $ 55,000 |
| Walton, Florida | 1 | $ 748,000 | $ 748,000 | $ 1,450,000 |
| DeKalb, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 121,000 |
Mortgage Loan Application Detail Totals for Community First Bank & Trust in 2011
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 | 87 | $11,292,000 | $129,000 | $750,000 | $69,000 | $685,000 |
| Home Purchase | 83 | $10,781,000 | $129,000 | $1,018,000 | $86,000 | $1,450,000 |
| Home Improvement | 78 | $1,014,000 | $13,000 | $456,000 | $51,000 | $300,000 |
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 | 213 | $18,540,000 | $87,000 | $820,000 | $74,000 | $1,450,000 |
| Not applicable | 12 | $2,496,000 | $208,000 | $1,018,000 | $0 | $0 |
| Black or African American | 11 | $661,000 | $60,000 | $127,000 | $53,000 | $121,000 |
| Hispanic | 4 | $477,000 | $119,000 | $456,000 | $102,000 | $300,000 |
| Not Provided | 4 | $305,000 | $76,000 | $204,000 | $35,000 | $67,000 |
| Asian | 2 | $196,000 | $98,000 | $136,000 | $42,000 | $71,000 |
| American Indian or Alaskan Native | 1 | $130,000 | $130,000 | $130,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $282,000 | $282,000 | $282,000 | $70,000 | $70,000 |
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) | 246 | $22,825,000 | $92,000 | $1,018,000 | $69,000 | $1,450,000 |
| FHA-insured (Federal Housing Administration) | 2 | $262,000 | $131,000 | $197,000 | $35,000 | $54,000 |
| 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 | 167 | $14,711,000 | $88,000 | $1,018,000 | $72,000 | $1,450,000 |
| Application Denied By Financial Institution | 59 | $5,068,000 | $85,000 | $295,000 | $51,000 | $461,000 |
| Application Withdrawn By Applicant | 11 | $2,177,000 | $197,000 | $528,000 | $132,000 | $540,000 |
| Application Approved But Not Accepted | 11 | $1,131,000 | $102,000 | $229,000 | $50,000 | $111,000 |
| 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 2011 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.
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