Commercial Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
48th10.0% deniedProcesswithdrawn + incomplete share, weight 15%
72nd7.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 452 | 359 | 12.0% | 12.9% | — | $63M |
| 2024 | 479 | 386 | 10.7% | 11.5% | — | $80M |
| 2025 | 473 | 390 | 9.3% | 10.0% | — | $89M |
What Commercial Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 15 manufactured homes, 44 investment properties.
Who gets approved at Commercial Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 44 | 31 | 27.9% |
| $50k – $100k | 109 | 85 | 13.3% |
| $100k – $150k | 110 | 87 | 10.0% |
| $150k – $250k | 86 | 70 | 7.8% |
| Over $250k | 79 | 73 | 2.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 56 | 48 | 4.0% |
| 35–44 | 79 | 61 | 13.9% |
| 45–54 | 105 | 88 | 8.2% |
| 55–64 | 105 | 89 | 12.8% |
| 65–74 | 73 | 61 | 11.6% |
| Over 74 | 29 | 19 | 8.3% |
Where Commercial Bank & Trust lends
8 states and 39 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 453 | 375 | 9.3% | — | #122 |
| Mississippi | 7 | 6 | 14.3% | — | #312 |
Frequently asked questions
Commercial Bank & Trust denied 10.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 48th percentile of small mortgage lenders.
In 2025, 34% of its applications were for home purchases, 19% for refinancing (including cash-out), and 47% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.