Community First Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Community First Bank & Trust of Columbia, TN reported 329 mortgage applications totaling $49.6 million, up 13% from 2015. The average application was for $150,723, and applicants reported an average income of $62,723. 58% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (294), Knoxville, TN (4) and Cincinnati, OH-KY-IN (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 | 329 |
| Total Mortgage Loan Application Amount | $49,588,000 |
| Average Mortgage Loan Application Amount | $150,723 |
| Highest Mortgage Loan Application Amount | $1,426,000 |
| Average Applicant Income | $62,723 |
| Highest Applicant Income | $2,783,000 |
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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 121 | $ 10,913,000 | $ 90,190 | $ 94,000 |
| Hickman, Tennessee | 75 | $ 4,064,000 | $ 54,186 | $ 59,000 |
| Davidson, Tennessee | 40 | $ 14,341,000 | $ 358,525 | $ 22,000 |
| Williamson, Tennessee | 33 | $ 12,855,000 | $ 389,545 | $ 44,000 |
| Rutherford, Tennessee | 12 | $ 1,549,000 | $ 129,083 | $ 0 |
| Lawrence, Tennessee | 7 | $ 551,000 | $ 78,714 | $ 85,000 |
| Dickson, Tennessee | 5 | $ 232,000 | $ 46,400 | $ 93,000 |
| Giles, Tennessee | 4 | $ 233,000 | $ 58,250 | $ 37,000 |
| Knox, Tennessee | 4 | $ 625,000 | $ 156,250 | $ 0 |
| Perry, Tennessee | 4 | $ 238,000 | $ 59,500 | $ 43,000 |
| Wilson, Tennessee | 4 | $ 624,000 | $ 156,000 | $ 0 |
| Bedford, Tennessee | 3 | $ 214,000 | $ 71,333 | $ 36,000 |
| Lewis, Tennessee | 3 | $ 110,000 | $ 36,666 | $ 55,000 |
| Marshall, Tennessee | 2 | $ 251,000 | $ 125,500 | $ 80,000 |
| Robertson, Tennessee | 2 | $ 529,000 | $ 264,500 | $ 55,000 |
| Baldwin, Alabama | 1 | $ 59,000 | $ 59,000 | $ 58,000 |
| Marshall, Alabama | 1 | $ 518,000 | $ 518,000 | $ 213,000 |
| Bay, Florida | 1 | $ 91,000 | $ 91,000 | $ 87,000 |
| Bryan, Georgia | 1 | $ 356,000 | $ 356,000 | $ 105,000 |
| Butler, Ohio | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Cheatham, Tennessee | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Cumberland, Tennessee | 1 | $ 96,000 | $ 96,000 | $ 42,000 |
| DeKalb, Tennessee | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 575,000 | $ 575,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Community First Bank & Trust in 2016
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 | 144 | $29,047,000 | $201,000 | $1,426,000 | $54,000 | $509,000 |
| Refinancing | 95 | $17,944,000 | $188,000 | $946,000 | $88,000 | $2,783,000 |
| Home Improvement | 90 | $2,597,000 | $28,000 | $710,000 | $50,000 | $230,000 |
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 | 227 | $21,593,000 | $95,000 | $994,000 | $87,000 | $2,783,000 |
| Not applicable | 85 | $25,860,000 | $304,000 | $1,426,000 | $0 | $0 |
| Black or African American | 7 | $402,000 | $57,000 | $140,000 | $32,000 | $64,000 |
| Hispanic | 5 | $704,000 | $140,000 | $242,000 | $56,000 | $94,000 |
| Not Provided | 4 | $454,000 | $113,000 | $181,000 | $76,000 | $90,000 |
| Asian | 1 | $575,000 | $575,000 | $575,000 | $100,000 | $100,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 317 | $48,392,000 | $152,000 | $1,426,000 | $63,000 | $2,783,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $572,000 | $95,000 | $158,000 | $50,000 | $74,000 |
| FHA-insured (Federal Housing Administration) | 5 | $541,000 | $108,000 | $187,000 | $48,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 1 | $83,000 | $83,000 | $83,000 | $35,000 | $35,000 |
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 | 192 | $18,363,000 | $95,000 | $994,000 | $84,000 | $2,783,000 |
| Loan Purchased By The Institution | 73 | $23,571,000 | $322,000 | $1,426,000 | $0 | $0 |
| Application Denied By Financial Institution | 37 | $3,255,000 | $87,000 | $386,000 | $62,000 | $404,000 |
| Application Withdrawn By Applicant | 19 | $3,225,000 | $169,000 | $455,000 | $90,000 | $405,000 |
| Application Approved But Not Accepted | 8 | $1,174,000 | $146,000 | $575,000 | $78,000 | $157,000 |
| File Closed For Incompleteness | 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 2016 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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