Lenders › Commercial Bank & Trust Company › Tennessee
Commercial Bank & Trust Company in Tennessee
HMDA record for properties in Tennessee, calendar year 2024. National record · Tennessee overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Tennessee, Commercial Bank & Trust Company reported 451 applications and 365 originations for 2024, $74m in all.
Its denial rate in the state was 11.4%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 11.5%.
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Commercial Bank & Trust Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.4% | 22.6% | 11.5% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.7% | — | 15.6% |
| Average originated loan | $203k | $302k | $208k | $329k |
| Home purchase share | 37.3% | 55.5% | 38.1% | 57.0% |
| FHA-insured share | 0.0% | 15.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 37% (136)Home improvement 28% (102)Refinancing 20% (74)Cash-out refinancing 1% (3)Other purpose 14% (50)
By type
Conventional 100% (365)
Denial reasons as coded
Share of 48 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Madison County | 102 | 83 | $18m | 10.6% |
| Shelby County | 96 | 79 | $25m | 10.9% |
| Obion County | 78 | 70 | $7.5m | 5.2% |
| Henry County | 90 | 63 | $7.5m | 20.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Commercial Bank & Trust Company originate in Tennessee in 2024?
365 loans totalling $74m, from 451 applications reported for properties in Tennessee.
What is Commercial Bank & Trust Company's denial rate in Tennessee?
11.4% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 11.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Tennessee counties does Commercial Bank & Trust Company lend in most?
By originations: Madison County (83), Shelby County (79), Obion County (70), Henry County (63).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Tennessee. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.