PlainLender

COMMERCIAL BANK & TRUST COMPANY

PARIS, TN

COMMERCIAL BANK & TRUST COMPANY processed 490 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 386 loans with a 10.4% denial rate. Home Purchase was the primary loan purpose. Based in PARIS, TN. The approval rate of 78.8% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. COMMERCIAL BANK & TRUST COMPANY processed 490 HMDA-reported mortgage applications in 2024, originating 386 loans and denying 51 for a denial rate of 10.4% (applicants themselves withdrew 34 files before a decision). The average loan amount was $198,061. The lender reports under LEI 549300P3JUY6QMZ8DY86 from PARIS, TN.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. COMMERCIAL BANK & TRUST COMPANY's 78.8% origination rate tells you how often an application turned into funded money; the 10.4% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (484 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

490
Applications
386
Originated
10.4%
Denial Rate
$198,061
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 484 386 50 $197,913
FHA 4 0 1 $152,500
VA 1 0 0 $385,000
USDA 1 0 0 $265,000

Top loan types — COMMERCIAL BANK & TRUST COMPANY

Top loan types — COMMERCIAL BANK & TRUST COMPANY Horizontal bar chart of the top 4 items by value (applications). Top loan types — COMMERCIAL BANK & TRUST COMPANY Top 4 1. Conventional 484 2. FHA 4 3. VA 1 4. USDA 1 Top 5 loan types by application volume at COMMERCIAL BANK & TRUST COMPANY (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for COMMERCIAL BANK & TRUST COMPANY (LEI: 549300P3JUY6QMZ8DY86) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 188 147 $304,255
Home Improvement 130 104 $95,615
Refinancing 92 75 $210,000
Other 67 57 $113,955
Cash-out Refinancing 3 3 $81,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 426 80.8% 10.6%
Black or African American 26 38.5% 19.2%
Asian 4 25.0% 25.0%
Joint 2 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 448 77.2% 11.4%
Joint 5 100.0% 0.0%
Hispanic or Latino 3 66.7% 0.0%

Nearby Lenders in TN

Other HMDA-reporting lenders in TN with similar activity. Compare any two side-by-side.

21ST MORTGAGE

KNOXVILLE, TN

173,573 apps 30,274 originated 44.1% denied

VANDERBILT MORTGAGE AND FINANCE, INC

MARYVILLE, TN

124,520 apps 20,306 originated 42.7% denied

FIRSTBANK

LEXINGTON, TN

21,086 apps 6,413 originated 43.2% denied

FIRST COMMUNITY MORTGAGE

MURFREESBORO, TN

13,521 apps 10,523 originated 6.2% denied

FIRST HORIZON BANK

MEMPHIS, TN

13,326 apps 7,808 originated 21.7% denied
Compare COMMERCIAL BANK & TRUST COMPANY vs 21ST MORTGAGE →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did COMMERCIAL BANK & TRUST COMPANY process?
COMMERCIAL BANK & TRUST COMPANY processed 490 mortgage applications in the 2023 HMDA reporting year. Of these, 386 were originated (approved and funded), 34 were withdrawn by the applicant, and 51 were denied.
What is COMMERCIAL BANK & TRUST COMPANY's mortgage approval rate?
COMMERCIAL BANK & TRUST COMPANY has an approval (origination) rate of 78.8%, meaning 78.8% of all applications resulted in a funded mortgage. The denial rate is 10.4%.
What is the average loan amount at COMMERCIAL BANK & TRUST COMPANY?
The average mortgage loan amount at COMMERCIAL BANK & TRUST COMPANY is $198,061.
What types of mortgage loans does COMMERCIAL BANK & TRUST COMPANY offer?
COMMERCIAL BANK & TRUST COMPANY processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 484 applications and an average loan amount of $197,913.
What loan purposes does COMMERCIAL BANK & TRUST COMPANY serve?
COMMERCIAL BANK & TRUST COMPANY serves the following loan purposes: Home Purchase (188 applications), Home Improvement (130 applications), Refinancing (92 applications), Other (67 applications), Cash-out Refinancing (3 applications). Home Purchase is the most common purpose.
Where is COMMERCIAL BANK & TRUST COMPANY located?
COMMERCIAL BANK & TRUST COMPANY is headquartered in PARIS, TN. The lender is identified by LEI 549300P3JUY6QMZ8DY86 in HMDA data.
How does COMMERCIAL BANK & TRUST COMPANY compare in lending across racial demographics?
COMMERCIAL BANK & TRUST COMPANY reports demographic lending data under HMDA requirements. White applicants have an approval rate of 80.8% and denial rate of 10.6%; Black or African American applicants have an approval rate of 38.5% and denial rate of 19.2%; Asian applicants have an approval rate of 25.0% and denial rate of 25.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.