Community First Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Community First Bank & Trust of Columbia, TN reported 291 mortgage applications totaling $31.1 million, up 23% from 2014. The average application was for $106,852, and applicants reported an average income of $77,704. 76% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (276), Florence-Muscle Shoals, AL (1) and Huntsville, AL (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 | 291 |
| Total Mortgage Loan Application Amount | $31,094,000 |
| Average Mortgage Loan Application Amount | $106,852 |
| Highest Mortgage Loan Application Amount | $1,367,000 |
| Average Applicant Income | $77,704 |
| Highest Applicant Income | $2,088,000 |
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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 153 | $ 14,756,000 | $ 96,444 | $ 80,000 |
| Hickman, Tennessee | 92 | $ 4,518,000 | $ 49,108 | $ 43,000 |
| Williamson, Tennessee | 16 | $ 5,444,000 | $ 340,250 | $ 250,000 |
| Davidson, Tennessee | 7 | $ 1,485,000 | $ 212,142 | $ 109,000 |
| Dickson, Tennessee | 7 | $ 666,000 | $ 95,142 | $ 42,000 |
| Giles, Tennessee | 4 | $ 1,321,000 | $ 330,250 | $ 151,000 |
| Lawrence, Tennessee | 3 | $ 318,000 | $ 106,000 | $ 55,000 |
| Lewis, Tennessee | 2 | $ 178,000 | $ 89,000 | $ 107,000 |
| Marshall, Tennessee | 2 | $ 488,000 | $ 244,000 | $ 107,000 |
| Lauderdale, Alabama | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Madison, Alabama | 1 | $ 1,367,000 | $ 1,367,000 | $ 0 |
| Humphreys, Tennessee | 1 | $ 62,000 | $ 62,000 | $ 17,000 |
| Rutherford, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 76,000 |
| Sevier, Tennessee | 1 | $ 76,000 | $ 76,000 | $ 13,000 |
Mortgage Loan Application Detail Totals for Community First Bank & Trust in 2015
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 Improvement | 110 | $1,909,000 | $17,000 | $183,000 | $65,000 | $2,088,000 |
| Refinancing | 92 | $14,507,000 | $157,000 | $915,000 | $81,000 | $443,000 |
| Home Purchase | 89 | $14,678,000 | $164,000 | $1,367,000 | $90,000 | $851,000 |
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 | 260 | $23,812,000 | $91,000 | $1,028,000 | $77,000 | $2,088,000 |
| Black or African American | 13 | $604,000 | $46,000 | $180,000 | $43,000 | $105,000 |
| Not applicable | 10 | $5,099,000 | $509,000 | $1,367,000 | $5,000 | $59,000 |
| Not Provided | 3 | $504,000 | $168,000 | $307,000 | $306,000 | $840,000 |
| Hispanic | 3 | $460,000 | $153,000 | $240,000 | $55,000 | $73,000 |
| Asian | 2 | $615,000 | $307,000 | $355,000 | $375,000 | $443,000 |
| 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) | 285 | $30,308,000 | $106,000 | $1,367,000 | $78,000 | $2,088,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $358,000 | $119,000 | $206,000 | $52,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 2 | $230,000 | $115,000 | $181,000 | $59,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 1 | $198,000 | $198,000 | $198,000 | $50,000 | $50,000 |
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 | 220 | $23,930,000 | $108,000 | $1,367,000 | $80,000 | $2,088,000 |
| Application Denied By Financial Institution | 42 | $3,442,000 | $81,000 | $307,000 | $69,000 | $840,000 |
| Application Withdrawn By Applicant | 18 | $2,863,000 | $159,000 | $381,000 | $74,000 | $164,000 |
| Application Approved But Not Accepted | 11 | $859,000 | $78,000 | $229,000 | $71,000 | $250,000 |
| 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 2015 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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