Home Download Acrobat Reader 5.0 or higher to view .pdf files. Commercial Bank & Trust Company BANK BORROW TRUST CONNECT SEARCH LOGIN Mortgage Loans Open the door to possibilities Through Commercial Bank, you have the key to your home financing needs, whether you're purchasing a home or refinancing your mortgage. FIXED-RATE MORTGAGES Take advantage of a competitive, fixed rate that can help you budget better. Choose from terms of 15 to 30 years No prepayment penalty Ideal for purchases or refinances Learn More ADJUSTABLE-RATE MORTGAGES (ARM) Get the flexibility of a lower rate with convenient options. Choose terms from 15 to 30 years Rate locked in for a specific time No prepayment penalty Learn More RESIDENTIAL LOT/LAND LOANS Get the right financing for your special project. Purchase land for investment or development Flexible terms Various repayment options Learn More HOME EQUITY LOANS & LINES OF CREDIT (HELOC) Utilize your home's equity at a competitive rate for almost any purpose. Pay for big-ticket expenses Finance large projects Consolidate your debt Learn More CONSTRUCTION LOANS Take your dream home from blueprint to reality. Finance your purchase and construction costs Competitive rates with flexible structures Ideal for long-term financing Learn More HOME IMPROVEMENT LOANS Tap into a cost-effective option for your next big project. Use for various home improvement needs Borrowers must meet restricted income guidelines Competitive rates Learn More DOWN PAYMENT ASSISTANCE LOANS The American Dream can be within your reach. Additional financing available for purchases Borrowers must meet restricted income guidelines Competitive rates with flexible structures Learn More For purchases, refinances and construction, explore our home loan options. We make the application process as simple as possible and help you get more for your money with our competitive rates. Commercial Bank and Trust is a full-service bank with West Tennessee branches in Jackson, Memphis, Paris and Union City. CARDS & MOBILE WALLET Pay directly from your phone! Mobile wallet allows you to store your cards on your phone for secure payments on the go. More About Our Cards Commercial Bank & Trust Company Routing Number 084301107 Privacy Notice © 2021 Commercial Bank & Trust Company Member FDIC Equal Housing Lender Created by Banno Verified: Dec 3, 2021