F&M Bank Mortgage Lending & HMDA Data, 2006
In 2006, F&M Bank of Clarksville, TN reported 653 mortgage applications totaling $79.9 million, down 14% from 2005. The average application was for $122,316, and applicants reported an average income of $98,996. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Clarksville, TN-KY (417), Nashville-Davidson--Murfreesboro, TN (202) and Punta Gorda, FL (1) (applications in parentheses).
| Mortgage Company & Address | F&M Bank 50 Franklin St Clarksville, TN 37040 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 653 |
| Total Mortgage Loan Application Amount | $79,873,000 |
| Average Mortgage Loan Application Amount | $122,316 |
| Highest Mortgage Loan Application Amount | $907,000 |
| Average Applicant Income | $98,996 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery, Tennessee | 260 | $ 35,508,000 | $ 136,569 | $ 95,000 |
| Stewart, Tennessee | 143 | $ 11,388,000 | $ 79,636 | $ 52,000 |
| Robertson, Tennessee | 106 | $ 13,780,000 | $ 130,000 | $ 75,000 |
| Wilson, Tennessee | 55 | $ 8,406,000 | $ 152,836 | $ 98,000 |
| Houston, Tennessee | 15 | $ 1,309,000 | $ 87,266 | $ 63,000 |
| Cheatham, Tennessee | 12 | $ 1,503,000 | $ 125,250 | $ 62,000 |
| Christian, Kentucky | 11 | $ 1,063,000 | $ 96,636 | $ 1,167,000 |
| Davidson, Tennessee | 11 | $ 1,233,000 | $ 112,090 | $ 37,000 |
| Sumner, Tennessee | 8 | $ 1,043,000 | $ 130,375 | $ 43,000 |
| Henry, Tennessee | 4 | $ 348,000 | $ 87,000 | $ 46,000 |
| Trigg, Kentucky | 3 | $ 869,000 | $ 289,666 | $ 296,000 |
| Trousdale, Tennessee | 3 | $ 318,000 | $ 106,000 | $ 64,000 |
| Todd, Kentucky | 2 | $ 366,000 | $ 183,000 | $ 251,000 |
| DeKalb, Tennessee | 2 | $ 151,000 | $ 75,500 | $ 36,000 |
| Dickson, Tennessee | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Smith, Tennessee | 2 | $ 186,000 | $ 93,000 | $ 25,000 |
| Charlotte, Florida | 1 | $ 250,000 | $ 250,000 | $ 822,000 |
| Logan, Kentucky | 1 | $ 37,000 | $ 37,000 | $ 25,000 |
| Lyon, Kentucky | 1 | $ 344,000 | $ 344,000 | $ 560,000 |
| Simpson, Kentucky | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Coffee, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Franklin, Tennessee | 1 | $ 313,000 | $ 313,000 | $ 90,000 |
| Humphreys, Tennessee | 1 | $ 126,000 | $ 126,000 | $ 59,000 |
| Lewis, Tennessee | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Macon, Tennessee | 1 | $ 92,000 | $ 92,000 | $ 75,000 |
| Maury, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Rutherford, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 92,000 |
| Williamson, Tennessee | 1 | $ 184,000 | $ 184,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 443 | $57,861,000 | $130,000 | $907,000 | $105,000 | $9,999,000 |
| Refinancing | 196 | $20,851,000 | $106,000 | $485,000 | $88,000 | $2,476,000 |
| Home Improvement | 14 | $1,161,000 | $82,000 | $361,000 | $63,000 | $130,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 595 | $70,963,000 | $119,000 | $745,000 | $105,000 | $9,999,000 |
| Black or African American | 26 | $2,899,000 | $111,000 | $220,000 | $49,000 | $121,000 |
| Hispanic | 15 | $2,171,000 | $144,000 | $361,000 | $52,000 | $130,000 |
| Not applicable | 11 | $3,087,000 | $280,000 | $907,000 | $4,000 | $54,000 |
| Asian | 4 | $611,000 | $152,000 | $360,000 | $109,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $133,000 | $133,000 | $133,000 | $46,000 | $46,000 |
| Not Provided | 1 | $9,000 | $9,000 | $9,000 | $27,000 | $27,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 543 | $65,795,000 | $121,000 | $907,000 | $109,000 | $9,999,000 |
| VA-guaranteed (Veterans Administration) | 68 | $9,401,000 | $138,000 | $285,000 | $50,000 | $118,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,677,000 | $111,000 | $212,000 | $48,000 | $271,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 560 | $70,507,000 | $125,000 | $907,000 | $106,000 | $9,999,000 |
| Application Denied By Financial Institution | 40 | $3,253,000 | $81,000 | $212,000 | $44,000 | $144,000 |
| Application Withdrawn By Applicant | 27 | $2,496,000 | $92,000 | $275,000 | $47,000 | $124,000 |
| Application Approved But Not Accepted | 26 | $3,617,000 | $139,000 | $413,000 | $100,000 | $822,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 22 | $1,520,000 | $69,000 | $160,000 | $38,000 | $64,000 |
| Debt-To-Income Ratio | 5 | $394,000 | $78,000 | $136,000 | $48,000 | $126,000 |
| Collateral | 4 | $556,000 | $139,000 | $212,000 | $62,000 | $85,000 |
| Employment History | 3 | $384,000 | $128,000 | $206,000 | $61,000 | $144,000 |
| Other | 2 | $284,000 | $142,000 | $145,000 | $78,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess F&M Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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