Community First Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Community First Bank & Trust of Columbia, TN reported 678 mortgage applications totaling $103.1 million, down 1% from 2008. The average application was for $152,116, and applicants reported an average income of $80,132. 83% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (343), Memphis, TN-MS-AR (3) and Pensacola-Ferry Pass-Brent, FL (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 | 678 |
| Total Mortgage Loan Application Amount | $103,135,000 |
| Average Mortgage Loan Application Amount | $152,116 |
| Highest Mortgage Loan Application Amount | $1,595,000 |
| Average Applicant Income | $80,132 |
| Highest Applicant Income | $757,000 |
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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 343 | $ 61,720,000 | $ 179,941 | $ 89,000 |
| Memphis, TN-MS-AR | 3 | $ 260,000 | $ 86,666 | $ 42,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 196,000 | $ 65,333 | $ 118,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Gadsden, AL | 1 | $ 24,000 | $ 24,000 | $ 58,000 |
| Gainesville, FL | 1 | $ 220,000 | $ 220,000 | $ 297,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 81,000 | $ 81,000 | $ 32,000 |
| Jackson, TN | 1 | $ 149,000 | $ 149,000 | $ 69,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 178,000 | $ 178,000 | $ 107,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 161,000 | $ 161,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Community First Bank & Trust in 2009
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 | 350 | $65,940,000 | $188,000 | $1,244,000 | $96,000 | $757,000 |
| Home Purchase | 217 | $35,839,000 | $165,000 | $1,595,000 | $72,000 | $609,000 |
| Home Improvement | 111 | $1,356,000 | $12,000 | $188,000 | $46,000 | $265,000 |
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 | 580 | $87,635,000 | $151,000 | $1,595,000 | $86,000 | $757,000 |
| Not applicable | 53 | $8,541,000 | $161,000 | $640,000 | $0 | $0 |
| Black or African American | 20 | $2,217,000 | $110,000 | $840,000 | $71,000 | $326,000 |
| Not Provided | 13 | $2,259,000 | $173,000 | $550,000 | $91,000 | $241,000 |
| Asian | 6 | $1,389,000 | $231,000 | $400,000 | $172,000 | $687,000 |
| Hispanic | 4 | $555,000 | $138,000 | $282,000 | $66,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $539,000 | $269,000 | $417,000 | $120,000 | $215,000 |
| 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) | 678 | $103,135,000 | $152,000 | $1,595,000 | $80,000 | $757,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 561 | $86,240,000 | $153,000 | $1,595,000 | $81,000 | $757,000 |
| Application Denied By Financial Institution | 72 | $8,629,000 | $119,000 | $840,000 | $65,000 | $326,000 |
| Application Approved But Not Accepted | 43 | $7,777,000 | $180,000 | $417,000 | $94,000 | $428,000 |
| Application Withdrawn By Applicant | 2 | $489,000 | $244,000 | $359,000 | $40,000 | $81,000 |
| 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 2009 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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