Community First Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Community First Bank & Trust of Columbia, TN reported 657 mortgage applications totaling $101.7 million. The average application was for $154,834, and applicants reported an average income of $96,910. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (273), Clarksville, TN-KY (3) and Knoxville, TN (3) (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 | 657 |
| Total Mortgage Loan Application Amount | $101,726,000 |
| Average Mortgage Loan Application Amount | $154,834 |
| Highest Mortgage Loan Application Amount | $1,360,000 |
| Average Applicant Income | $96,910 |
| Highest Applicant Income | $3,381,000 |
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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro--Franklin, TN | 273 | $ 64,025,000 | $ 234,523 | $ 121,000 |
| Clarksville, TN-KY | 3 | $ 346,000 | $ 115,333 | $ 185,000 |
| Knoxville, TN | 3 | $ 594,000 | $ 198,000 | $ 204,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 591,000 | $ 295,500 | $ 246,000 |
| Auburn-Opelika, AL | 1 | $ 188,000 | $ 188,000 | $ 1,028,000 |
| Columbia, MO | 1 | $ 88,000 | $ 88,000 | $ 110,000 |
| Decatur, AL | 1 | $ 266,000 | $ 266,000 | $ 147,000 |
| Florence-Muscle Shoals, AL | 1 | $ 208,000 | $ 208,000 | $ 201,000 |
| Memphis, TN-MS-AR | 1 | $ 204,000 | $ 204,000 | $ 755,000 |
| Naples-Marco Island, FL | 1 | $ 45,000 | $ 45,000 | $ 204,000 |
| Panama City-Lynn Haven, FL | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 200,000 | $ 200,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community First Bank & Trust in 2007
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 | 379 | $65,641,000 | $173,000 | $1,360,000 | $110,000 | $3,381,000 |
| Refinancing | 198 | $34,492,000 | $174,000 | $1,068,000 | $90,000 | $939,000 |
| Home Improvement | 80 | $1,593,000 | $19,000 | $400,000 | $52,000 | $240,000 |
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 | 537 | $76,004,000 | $141,000 | $1,068,000 | $98,000 | $3,381,000 |
| Not Provided | 52 | $10,401,000 | $200,000 | $500,000 | $104,000 | $504,000 |
| Not applicable | 25 | $7,255,000 | $290,000 | $1,360,000 | $0 | $24,000 |
| Black or African American | 23 | $3,983,000 | $173,000 | $588,000 | $68,000 | $171,000 |
| Asian | 11 | $2,182,000 | $198,000 | $401,000 | $286,000 | $628,000 |
| Hispanic | 8 | $1,301,000 | $162,000 | $519,000 | $70,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $600,000 | $600,000 | $600,000 | $280,000 | $280,000 |
| American Indian or Alaskan Native | 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) | 644 | $99,975,000 | $155,000 | $1,360,000 | $98,000 | $3,381,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,486,000 | $135,000 | $229,000 | $58,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 2 | $265,000 | $132,000 | $204,000 | $44,000 | $49,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 604 | $97,446,000 | $161,000 | $1,360,000 | $101,000 | $3,381,000 |
| Application Denied By Financial Institution | 35 | $1,811,000 | $51,000 | $218,000 | $39,000 | $250,000 |
| Application Withdrawn By Applicant | 13 | $1,704,000 | $131,000 | $305,000 | $63,000 | $224,000 |
| Application Approved But Not Accepted | 5 | $765,000 | $153,000 | $270,000 | $71,000 | $100,000 |
| 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 2007 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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with aggregated HMDA statistics today.
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