F&M Bank Mortgage Lending & HMDA Data, 2007
In 2007, F&M Bank of Clarksville, TN reported 763 mortgage applications totaling $103.7 million, up 17% from 2006. The average application was for $135,887, and applicants reported an average income of $84,293. 83% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Clarksville, TN-KY (473), Nashville-Davidson--Murfreesboro--Franklin, TN (254) and Chattanooga, TN-GA (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 | 763 |
| Total Mortgage Loan Application Amount | $103,682,000 |
| Average Mortgage Loan Application Amount | $135,887 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $84,293 |
| Highest Applicant Income | $1,105,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 323 | $ 52,177,000 | $ 161,538 | $ 104,000 |
| Stewart, Tennessee | 142 | $ 9,993,000 | $ 70,373 | $ 49,000 |
| Robertson, Tennessee | 118 | $ 17,686,000 | $ 149,881 | $ 73,000 |
| Wilson, Tennessee | 66 | $ 9,555,000 | $ 144,772 | $ 110,000 |
| Sumner, Tennessee | 20 | $ 2,381,000 | $ 119,050 | $ 59,000 |
| Davidson, Tennessee | 19 | $ 2,447,000 | $ 128,789 | $ 42,000 |
| Cheatham, Tennessee | 16 | $ 2,442,000 | $ 152,625 | $ 90,000 |
| Houston, Tennessee | 12 | $ 801,000 | $ 66,750 | $ 64,000 |
| Christian, Kentucky | 6 | $ 570,000 | $ 95,000 | $ 40,000 |
| Logan, Kentucky | 5 | $ 380,000 | $ 76,000 | $ 66,000 |
| Todd, Kentucky | 5 | $ 306,000 | $ 61,200 | $ 163,000 |
| Rutherford, Tennessee | 5 | $ 1,160,000 | $ 232,000 | $ 54,000 |
| Trousdale, Tennessee | 4 | $ 403,000 | $ 100,750 | $ 43,000 |
| Dickson, Tennessee | 3 | $ 210,000 | $ 70,000 | $ 67,000 |
| Trigg, Kentucky | 2 | $ 420,000 | $ 210,000 | $ 147,000 |
| DeKalb, Tennessee | 2 | $ 340,000 | $ 170,000 | $ 80,000 |
| Smith, Tennessee | 2 | $ 133,000 | $ 66,500 | $ 29,000 |
| Volusia, Florida | 1 | $ 288,000 | $ 288,000 | $ 125,000 |
| Calloway, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Graves, Kentucky | 1 | $ 13,000 | $ 13,000 | $ 17,000 |
| Lyon, Kentucky | 1 | $ 344,000 | $ 344,000 | $ 504,000 |
| Muhlenberg, Kentucky | 1 | $ 31,000 | $ 31,000 | $ 48,000 |
| Scott, Kentucky | 1 | $ 189,000 | $ 189,000 | $ 54,000 |
| Simpson, Kentucky | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 84,000 | $ 84,000 | $ 34,000 |
| Henry, Tennessee | 1 | $ 97,000 | $ 97,000 | $ 135,000 |
| Putnam, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Sevier, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
| Weakley, Tennessee | 1 | $ 98,000 | $ 98,000 | $ 39,000 |
| Williamson, Tennessee | 1 | $ 400,000 | $ 400,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2007
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 | 413 | $52,821,000 | $127,000 | $851,000 | $76,000 | $515,000 |
| Refinancing | 326 | $49,115,000 | $150,000 | $2,000,000 | $96,000 | $1,105,000 |
| Home Improvement | 24 | $1,746,000 | $72,000 | $505,000 | $68,000 | $322,000 |
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 | 703 | $91,860,000 | $130,000 | $2,000,000 | $89,000 | $1,105,000 |
| Not applicable | 30 | $8,131,000 | $271,000 | $1,600,000 | $0 | $0 |
| Black or African American | 16 | $1,870,000 | $116,000 | $502,000 | $51,000 | $182,000 |
| Hispanic | 7 | $555,000 | $79,000 | $184,000 | $30,000 | $53,000 |
| Not Provided | 6 | $878,000 | $146,000 | $429,000 | $107,000 | $400,000 |
| Asian | 1 | $388,000 | $388,000 | $388,000 | $198,000 | $198,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 674 | $92,454,000 | $137,000 | $2,000,000 | $88,000 | $1,105,000 |
| FHA-insured (Federal Housing Administration) | 47 | $5,256,000 | $111,000 | $176,000 | $53,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 42 | $5,972,000 | $142,000 | $298,000 | $56,000 | $135,000 |
| 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 | 636 | $90,965,000 | $143,000 | $2,000,000 | $90,000 | $1,105,000 |
| Application Approved But Not Accepted | 45 | $5,103,000 | $113,000 | $417,000 | $69,000 | $504,000 |
| Application Denied By Financial Institution | 42 | $3,994,000 | $95,000 | $505,000 | $49,000 | $394,000 |
| Application Withdrawn By Applicant | 40 | $3,620,000 | $90,000 | $429,000 | $52,000 | $237,000 |
| 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 | 16 | $1,271,000 | $79,000 | $505,000 | $34,000 | $94,000 |
| Debt-To-Income Ratio | 16 | $1,598,000 | $99,000 | $255,000 | $43,000 | $113,000 |
| Collateral | 4 | $357,000 | $89,000 | $127,000 | $43,000 | $52,000 |
| Other | 2 | $607,000 | $303,000 | $332,000 | $248,000 | $394,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2007 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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