Commercial Bank & Trust Co.
Commercial Bank & Trust Co. received 473 applications in 2025 and made 390 mortgages, in 39 counties across 8 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 440 decisions, 44 were denials — 10.0%.
| Legal Entity Identifier | 549300P3JUY6QMZ8DY86 |
|---|---|
| Applications received | 473 |
| Mortgages made | 390 |
| Denied | 44 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 33 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Commercial Bank & Trust Co., 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 129 | Not published | $285,000 | 7.7% |
| Refinancing | 69 | Not published | $105,000 | 8.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Other purposes | 187 | Not published | $65,000 | 11.6% |
Where Commercial Bank & Trust Co. lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shelby County, TN | 100 | Not published | 9.9% |
| Obion County, TN | 83 | Not published | 4.4% |
| Madison County, TN | 72 | Not published | 3.9% |
| Henry County, TN | 66 | Not published | 20.5% |
| Gibson County, TN | 16 | Not published | 11.1% |
| Weakley County, TN | 12 | Not published | 7.7% |
| Crockett County, TN | 4 | Under 10 loans | 0.0% |
| DeSoto County, MS | 3 | Under 10 loans | 0.0% |
| Carroll County, TN | 3 | Under 10 loans | 0.0% |
| Fayette County, TN | 3 | Under 10 loans | 25.0% |
| Benton County, TN | 2 | Under 10 loans | 33.3% |
| Chester County, TN | 2 | Under 10 loans | 0.0% |
| Decatur County, TN | 2 | Under 10 loans | 0.0% |
| Hamilton County, TN | 2 | Under 10 loans | 0.0% |
| Hardin County, TN | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Craighead County, AR | 1 | Under 10 loans | 0.0% |
| Washington County, AR | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Calloway County, KY | 1 | Under 10 loans | 0.0% |
| Carlisle County, KY | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Lee County, MS | 1 | Under 10 loans | 0.0% |
| Tate County, MS | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Haywood County, TN | 1 | Under 10 loans | 50.0% |
| Henderson County, TN | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| McNairy County, TN | 1 | Under 10 loans | 0.0% |
| Marshall County, TN | 1 | Under 10 loans | 0.0% |
| Crittenden County, AR | 0 | Under 10 loans | 100.0% |
| Franklin County, FL | 0 | Under 10 loans | Not published |
| Marion County, FL | 0 | Under 10 loans | Not published |
| Marshall County, MS | 0 | Under 10 loans | 100.0% |
| Wayne County, TN | 0 | Under 10 loans | 100.0% |
| Dallas County, TX | 0 | Under 10 loans | Not published |
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When Commercial Bank & Trust Co.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.