F&M Bank Mortgage Lending & HMDA Data, 2008
In 2008, F&M Bank of Clarksville, TN reported 1,173 mortgage applications totaling $184.6 million, up 54% from 2007. The average application was for $157,392, and applicants reported an average income of $86,622. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Clarksville, TN-KY (588), Nashville-Davidson--Murfreesboro--Franklin, TN (509) and Jackson, MS (13) (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 | 1,173 |
| Total Mortgage Loan Application Amount | $184,621,000 |
| Average Mortgage Loan Application Amount | $157,392 |
| Highest Mortgage Loan Application Amount | $2,576,000 |
| Average Applicant Income | $86,622 |
| Highest Applicant Income | $2,032,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 462 | $ 76,296,000 | $ 165,142 | $ 81,000 |
| Robertson, Tennessee | 122 | $ 17,491,000 | $ 143,368 | $ 81,000 |
| Wilson, Tennessee | 105 | $ 17,504,000 | $ 166,704 | $ 103,000 |
| Stewart, Tennessee | 103 | $ 8,671,000 | $ 84,184 | $ 70,000 |
| Sumner, Tennessee | 88 | $ 16,972,000 | $ 192,863 | $ 80,000 |
| Rutherford, Tennessee | 69 | $ 12,649,000 | $ 183,318 | $ 66,000 |
| Davidson, Tennessee | 67 | $ 9,379,000 | $ 139,985 | $ 95,000 |
| Christian, Kentucky | 20 | $ 2,602,000 | $ 130,100 | $ 212,000 |
| Cheatham, Tennessee | 16 | $ 3,157,000 | $ 197,312 | $ 81,000 |
| Smith, Tennessee | 15 | $ 1,780,000 | $ 118,666 | $ 68,000 |
| Houston, Tennessee | 11 | $ 857,000 | $ 77,909 | $ 61,000 |
| Williamson, Tennessee | 11 | $ 2,732,000 | $ 248,363 | $ 89,000 |
| Hinds, Mississippi | 7 | $ 1,073,000 | $ 153,285 | $ 54,000 |
| Rankin, Mississippi | 6 | $ 837,000 | $ 139,500 | $ 55,000 |
| Macon, Tennessee | 6 | $ 631,000 | $ 105,166 | $ 30,000 |
| DeKalb, Tennessee | 5 | $ 459,000 | $ 91,800 | $ 54,000 |
| Maury, Tennessee | 5 | $ 906,000 | $ 181,200 | $ 57,000 |
| Bay, Florida | 4 | $ 3,031,000 | $ 757,750 | $ 775,000 |
| Todd, Kentucky | 4 | $ 483,000 | $ 120,750 | $ 247,000 |
| Bedford, Tennessee | 4 | $ 583,000 | $ 145,750 | $ 101,000 |
| Dickson, Tennessee | 4 | $ 694,000 | $ 173,500 | $ 71,000 |
| Trigg, Kentucky | 3 | $ 306,000 | $ 102,000 | $ 168,000 |
| Jackson, Tennessee | 3 | $ 699,000 | $ 233,000 | $ 89,000 |
| Putnam, Tennessee | 3 | $ 304,000 | $ 101,333 | $ 38,000 |
| Cannon, Tennessee | 2 | $ 208,000 | $ 104,000 | $ 38,000 |
| Hickman, Tennessee | 2 | $ 397,000 | $ 198,500 | $ 96,000 |
| Marshall, Tennessee | 2 | $ 280,000 | $ 140,000 | $ 38,000 |
| Trousdale, Tennessee | 2 | $ 144,000 | $ 72,000 | $ 39,000 |
| Houston, Alabama | 1 | $ 186,000 | $ 186,000 | $ 88,000 |
| Cook, Illinois | 1 | $ 300,000 | $ 300,000 | $ 93,000 |
| Will, Illinois | 1 | $ 268,000 | $ 268,000 | $ 62,000 |
| Johnson, Indiana | 1 | $ 148,000 | $ 148,000 | $ 73,000 |
| Fayette, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Green, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Johnson, Kentucky | 1 | $ 121,000 | $ 121,000 | $ 73,000 |
| Lyon, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 451,000 |
| Marshall, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Simpson, Kentucky | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Trimble, Kentucky | 1 | $ 81,000 | $ 81,000 | $ 143,000 |
| Benton, Mississippi | 1 | $ 63,000 | $ 63,000 | $ 60,000 |
| DeSoto, Mississippi | 1 | $ 124,000 | $ 124,000 | $ 76,000 |
| Lauderdale, Mississippi | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| Tippah, Mississippi | 1 | $ 174,000 | $ 174,000 | $ 112,000 |
| Henry, Tennessee | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Humphreys, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 26,000 |
| Knox, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| McNairy, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 39,000 |
| Overton, Tennessee | 1 | $ 129,000 | $ 129,000 | $ 32,000 |
| Sevier, Tennessee | 1 | $ 156,000 | $ 156,000 | $ 481,000 |
| Weakley, Tennessee | 1 | $ 52,000 | $ 52,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2008
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 | 719 | $103,933,000 | $144,000 | $800,000 | $76,000 | $1,161,000 |
| Refinancing | 440 | $79,368,000 | $180,000 | $2,576,000 | $104,000 | $2,032,000 |
| Home Improvement | 14 | $1,320,000 | $94,000 | $250,000 | $86,000 | $260,000 |
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 | 1,018 | $158,427,000 | $155,000 | $2,576,000 | $88,000 | $2,032,000 |
| Black or African American | 65 | $7,793,000 | $119,000 | $322,000 | $68,000 | $252,000 |
| Not Provided | 43 | $6,371,000 | $148,000 | $850,000 | $56,000 | $518,000 |
| Not applicable | 24 | $7,312,000 | $304,000 | $1,029,000 | $37,000 | $188,000 |
| Hispanic | 13 | $2,659,000 | $204,000 | $880,000 | $186,000 | $1,161,000 |
| Asian | 5 | $1,346,000 | $269,000 | $880,000 | $183,000 | $748,000 |
| American Indian or Alaskan Native | 3 | $387,000 | $129,000 | $158,000 | $100,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $326,000 | $163,000 | $231,000 | $114,000 | $138,000 |
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) | 717 | $115,950,000 | $161,000 | $2,576,000 | $106,000 | $2,032,000 |
| FHA-insured (Federal Housing Administration) | 233 | $34,184,000 | $146,000 | $358,000 | $55,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 214 | $33,269,000 | $155,000 | $439,000 | $56,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,218,000 | $135,000 | $190,000 | $40,000 | $49,000 |
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 | 865 | $140,184,000 | $162,000 | $2,576,000 | $90,000 | $2,032,000 |
| Application Withdrawn By Applicant | 139 | $23,782,000 | $171,000 | $850,000 | $69,000 | $518,000 |
| Application Denied By Financial Institution | 131 | $15,293,000 | $116,000 | $448,000 | $75,000 | $1,161,000 |
| Application Approved But Not Accepted | 38 | $5,362,000 | $141,000 | $605,000 | $100,000 | $538,000 |
| 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 | 55 | $5,773,000 | $104,000 | $317,000 | $46,000 | $143,000 |
| Debt-To-Income Ratio | 47 | $5,605,000 | $119,000 | $448,000 | $72,000 | $301,000 |
| Collateral | 11 | $1,696,000 | $154,000 | $306,000 | $77,000 | $196,000 |
| Other | 5 | $691,000 | $138,000 | $300,000 | $70,000 | $93,000 |
| Unverifiable Information | 4 | $649,000 | $162,000 | $277,000 | $306,000 | $378,000 |
| Employment History | 2 | $169,000 | $84,000 | $154,000 | $26,000 | $32,000 |
| Mortgage Insurance Denied | 1 | $185,000 | $185,000 | $185,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2008 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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