Applications / Mortgage Analytics / Lenders / Tennessee / Commercial Bank & Trust Company
Paris, TN · State non-member bank · FDIC · $1.1 billion assets · 390 loans in 2025
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390
loans originated, 2025
473
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial Bank & Trust Company, a Tennessee bank, makes more home-improvement loans than any other kind, which keeps its loans smaller than at most banks like it.
Home-improvement loans made up 36.2% of its 390 loans and purchases 33.1%. Its typical loan, $115,000, was smaller than at more than four in five similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $175,000. Its many home-improvement loans could keep the typical size down.
It ranks 12 of 248 lenders in Jackson, TN, but its share fell to 2.6% from 3.1%; Leaders Credit Union leads. Its own dollar volume rose, from $80.4 million to $88.8 million, so the fall may reflect a shift of its lending among its markets rather than a smaller business.
Its loans rose 1%, against 9% at similar lenders and 10% in the whole market. Its count has stayed between 312 and 555 a year since 2018. In non-metro Tennessee, its largest market, it ranks 55 of 746.
Majority-minority neighborhoods took 12.0% of its loans, against 6.6% at similar lenders, more than at about two-thirds of them. All but a handful of its loans were conventional.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commercial Bank & Trust Company took 473 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.2% · Purchase 33.1% · Refinance 19.0% · Other 11.8%
Conventional 99.7% · USDA (RHS or FSA) 0.3% · of 390 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 375 | 96.2% |
| Mississippi | 6 | 1.5% |
| Kentucky | 3 | 0.8% |
| Arkansas | 2 | 0.5% |
| Florida | 2 | 0.5% |
| Alabama | 1 | 0.3% |
| Missouri | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 107 |
| Jackson | 94 |
| Chattanooga | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Huntsville | 1 |
| Jonesboro | 1 |
| Knoxville | 1 |
| Lexington-Fayette | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P3JUY6QMZ8DY86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 467658 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38660 | 1990–2017 |
Established 15 May 1877. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Commercial Bank & Trust Company's data.
Commercial Bank & Trust Company's data
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Commercial Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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