Community First Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Community First Bank & Trust of Columbia, TN reported 237 mortgage applications totaling $17.2 million, down 5% from 2013. The average application was for $72,666, and applicants reported an average income of $55,793. 73% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (215), Memphis, TN-MS-AR (1) and Panama City, FL (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 | 237 |
| Total Mortgage Loan Application Amount | $17,222,000 |
| Average Mortgage Loan Application Amount | $72,666 |
| Highest Mortgage Loan Application Amount | $777,000 |
| Average Applicant Income | $55,793 |
| Highest Applicant Income | $439,000 |
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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 147 | $ 10,815,000 | $ 73,571 | $ 54,000 |
| Hickman, Tennessee | 56 | $ 2,614,000 | $ 46,678 | $ 54,000 |
| Lawrence, Tennessee | 8 | $ 847,000 | $ 105,875 | $ 51,000 |
| Giles, Tennessee | 4 | $ 194,000 | $ 48,500 | $ 34,000 |
| Williamson, Tennessee | 4 | $ 893,000 | $ 223,250 | $ 49,000 |
| Perry, Tennessee | 3 | $ 108,000 | $ 36,000 | $ 56,000 |
| Rutherford, Tennessee | 3 | $ 300,000 | $ 100,000 | $ 68,000 |
| Dickson, Tennessee | 2 | $ 47,000 | $ 23,500 | $ 93,000 |
| Marshall, Tennessee | 2 | $ 420,000 | $ 210,000 | $ 80,000 |
| Bay, Florida | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Escambia, Florida | 1 | $ 29,000 | $ 29,000 | $ 67,000 |
| Sumter, South Carolina | 1 | $ 32,000 | $ 32,000 | $ 29,000 |
| Cheatham, Tennessee | 1 | $ 40,000 | $ 40,000 | $ 101,000 |
| Davidson, Tennessee | 1 | $ 260,000 | $ 260,000 | $ 87,000 |
| Lewis, Tennessee | 1 | $ 156,000 | $ 156,000 | $ 48,000 |
| Shelby, Tennessee | 1 | $ 209,000 | $ 209,000 | $ 168,000 |
| Wilson, Tennessee | 1 | $ 63,000 | $ 63,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Community First Bank & Trust in 2014
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 | $10,056,000 | $115,000 | $777,000 | $65,000 | $439,000 |
| Home Improvement | 82 | $1,260,000 | $15,000 | $140,000 | $50,000 | $200,000 |
| Home Purchase | 68 | $5,906,000 | $86,000 | $319,000 | $51,000 | $188,000 |
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 | 212 | $15,914,000 | $75,000 | $777,000 | $58,000 | $439,000 |
| Black or African American | 12 | $362,000 | $30,000 | $77,000 | $32,000 | $77,000 |
| Not applicable | 5 | $501,000 | $100,000 | $171,000 | $0 | $0 |
| Not Provided | 5 | $287,000 | $57,000 | $94,000 | $86,000 | $200,000 |
| Hispanic | 1 | $76,000 | $76,000 | $76,000 | $93,000 | $93,000 |
| American Indian or Alaskan Native | 1 | $53,000 | $53,000 | $53,000 | $100,000 | $100,000 |
| Asian | 1 | $29,000 | $29,000 | $29,000 | $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) | 233 | $16,758,000 | $71,000 | $777,000 | $56,000 | $439,000 |
| FHA-insured (Federal Housing Administration) | 2 | $226,000 | $113,000 | $156,000 | $52,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $100,000 | $100,000 | $100,000 | $62,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 1 | $138,000 | $138,000 | $138,000 | $66,000 | $66,000 |
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 | 174 | $11,655,000 | $66,000 | $777,000 | $57,000 | $439,000 |
| Application Denied By Financial Institution | 38 | $3,321,000 | $87,000 | $417,000 | $46,000 | $161,000 |
| Application Withdrawn By Applicant | 16 | $1,622,000 | $101,000 | $195,000 | $54,000 | $90,000 |
| Application Approved But Not Accepted | 9 | $624,000 | $69,000 | $193,000 | $83,000 | $200,000 |
| 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 2014 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