Commercial Bank & Trust Co. mortgage approval rate & lending review
Commercial Bank & Trust Co. decided 271 mortgage applications and funded 241 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Commercial Bank & Trust Co. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Commercial Bank & Trust Co. at a glance
Approval is 14.8 points above the 76.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 82 / 88 | 98% | $335K | 80 |
| Home improvement loans | 89% | 73 / 82 | 99% | $85K | 72 |
| Refinance | 85% | 47 / 55 | 96% | $175K | 45 |
| Investment property purchase | 100% | 31 / 31 | 100% | $175K | 31 |
Commercial Bank & Trust Co. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 91% | $175K | 250 | 221 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Commercial Bank & Trust Co. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Home improvement loans | 89% | 74 | 65 |
| Shelby County, TN | Mortgage lenders | 92% | 72 | 64 |
| Shelby County, TN | Refinance | 86% | 51 | 42 |
The county markets where Commercial Bank & Trust Co. made the most loans. Each link opens that market with every lender ranked.
Questions about Commercial Bank & Trust Co.
What is Commercial Bank & Trust Co.'s mortgage approval rate?
Commercial Bank & Trust Co. approved 91.1% of the 271 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.8 points above the 76.3% national rate for the same mix of loan types.
How often do borrowers take the loan Commercial Bank & Trust Co. offers?
Borrowers accepted 98% of the loans Commercial Bank & Trust Co. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Commercial Bank & Trust Co. make?
The typical home purchase mortgage loan Commercial Bank & Trust Co. made was $335K; across all loan types its typical loan ran from $85K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Commercial Bank & Trust Co. lend?
Commercial Bank & Trust Co. decided applications in 9 of the states Fat Boy Data covers, most of them in Tennessee, Mississippi and Alabama.
Can I apply to Commercial Bank & Trust Co. directly?
Yes. Commercial Bank & Trust Co. is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Commercial Bank & Trust Co.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Commercial Bank & Trust Co. treats applications, then get a rate quote from the lender.