F&M Bank Mortgage Lending & HMDA Data, 2009
In 2009, F&M Bank of Clarksville, TN reported 3,630 mortgage applications totaling $592.9 million, up 209% from 2008. The average application was for $163,338, and applicants reported an average income of $67,025. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,046), Clarksville, TN-KY (1,207) and Jackson, MS (57) (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 | 3,630 |
| Total Mortgage Loan Application Amount | $592,920,000 |
| Average Mortgage Loan Application Amount | $163,338 |
| Highest Mortgage Loan Application Amount | $2,879,000 |
| Average Applicant Income | $67,025 |
| Highest Applicant Income | $1,542,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,033 | $ 159,076,000 | $ 153,994 | $ 64,000 |
| Rutherford, Tennessee | 554 | $ 88,735,000 | $ 160,171 | $ 61,000 |
| Davidson, Tennessee | 387 | $ 61,235,000 | $ 158,229 | $ 63,000 |
| Sumner, Tennessee | 370 | $ 67,319,000 | $ 181,943 | $ 69,000 |
| Wilson, Tennessee | 270 | $ 44,498,000 | $ 164,807 | $ 58,000 |
| Williamson, Tennessee | 193 | $ 51,030,000 | $ 264,404 | $ 105,000 |
| Robertson, Tennessee | 169 | $ 26,329,000 | $ 155,792 | $ 67,000 |
| Stewart, Tennessee | 119 | $ 12,553,000 | $ 105,487 | $ 75,000 |
| Maury, Tennessee | 97 | $ 15,107,000 | $ 155,742 | $ 55,000 |
| Christian, Kentucky | 51 | $ 5,460,000 | $ 107,058 | $ 47,000 |
| Hinds, Mississippi | 30 | $ 5,091,000 | $ 169,700 | $ 57,000 |
| Smith, Tennessee | 28 | $ 3,781,000 | $ 135,035 | $ 61,000 |
| Bedford, Tennessee | 26 | $ 3,247,000 | $ 124,884 | $ 51,000 |
| Cheatham, Tennessee | 26 | $ 3,745,000 | $ 144,038 | $ 69,000 |
| Putnam, Tennessee | 22 | $ 4,254,000 | $ 193,363 | $ 67,000 |
| DeKalb, Tennessee | 18 | $ 2,507,000 | $ 139,277 | $ 74,000 |
| Rankin, Mississippi | 17 | $ 2,834,000 | $ 166,705 | $ 62,000 |
| Macon, Tennessee | 17 | $ 2,017,000 | $ 118,647 | $ 38,000 |
| Cannon, Tennessee | 12 | $ 1,446,000 | $ 120,500 | $ 45,000 |
| Madison, Mississippi | 10 | $ 2,010,000 | $ 201,000 | $ 69,000 |
| Houston, Tennessee | 10 | $ 845,000 | $ 84,500 | $ 56,000 |
| Trousdale, Tennessee | 10 | $ 1,478,000 | $ 147,800 | $ 46,000 |
| Knox, Tennessee | 9 | $ 1,389,000 | $ 154,333 | $ 134,000 |
| Coffee, Tennessee | 6 | $ 715,000 | $ 119,166 | $ 41,000 |
| Hickman, Tennessee | 6 | $ 732,000 | $ 122,000 | $ 41,000 |
| Marshall, Tennessee | 6 | $ 709,000 | $ 118,166 | $ 42,000 |
| Henry, Tennessee | 5 | $ 295,000 | $ 59,000 | $ 97,000 |
| Sevier, Tennessee | 5 | $ 1,130,000 | $ 226,000 | $ 281,000 |
| Trigg, Kentucky | 4 | $ 530,000 | $ 132,500 | $ 62,000 |
| Dickson, Tennessee | 4 | $ 805,000 | $ 201,250 | $ 36,000 |
| Lawrence, Tennessee | 4 | $ 580,000 | $ 145,000 | $ 66,000 |
| Overton, Tennessee | 4 | $ 793,000 | $ 198,250 | $ 100,000 |
| Walton, Florida | 3 | $ 762,000 | $ 254,000 | $ 336,000 |
| Logan, Kentucky | 3 | $ 386,000 | $ 128,666 | $ 45,000 |
| Tippah, Mississippi | 3 | $ 399,000 | $ 133,000 | $ 57,000 |
| Cumberland, Tennessee | 3 | $ 2,331,000 | $ 777,000 | $ 63,000 |
| Giles, Tennessee | 3 | $ 278,000 | $ 92,666 | $ 111,000 |
| Humphreys, Tennessee | 3 | $ 506,000 | $ 168,666 | $ 60,000 |
| Jackson, Tennessee | 3 | $ 697,000 | $ 232,333 | $ 88,000 |
| Marion, Indiana | 2 | $ 224,000 | $ 112,000 | $ 10,000 |
| Calloway, Kentucky | 2 | $ 239,000 | $ 119,500 | $ 46,000 |
| McCracken, Kentucky | 2 | $ 212,000 | $ 106,000 | $ 94,000 |
| Meade, Kentucky | 2 | $ 371,000 | $ 185,500 | $ 68,000 |
| Pulaski, Kentucky | 2 | $ 370,000 | $ 185,000 | $ 60,000 |
| Todd, Kentucky | 2 | $ 216,000 | $ 108,000 | $ 57,000 |
| Wake, North Carolina | 2 | $ 276,000 | $ 138,000 | $ 65,000 |
| Hamilton, Tennessee | 2 | $ 206,000 | $ 103,000 | $ 924,000 |
| Perry, Tennessee | 2 | $ 302,000 | $ 151,000 | $ 63,000 |
| Shelby, Tennessee | 2 | $ 437,000 | $ 218,500 | $ 115,000 |
| Wayne, Tennessee | 2 | $ 194,000 | $ 97,000 | $ 38,000 |
| Colbert, Alabama | 1 | $ 102,000 | $ 102,000 | $ 56,000 |
| Lauderdale, Alabama | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Lee, Alabama | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Limestone, Alabama | 1 | $ 123,000 | $ 123,000 | $ 62,000 |
| Escambia, Florida | 1 | $ 147,000 | $ 147,000 | $ 35,000 |
| Palm Beach, Florida | 1 | $ 750,000 | $ 750,000 | $ 1,482,000 |
| DeKalb, Georgia | 1 | $ 288,000 | $ 288,000 | $ 136,000 |
| Gwinnett, Georgia | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Henry, Georgia | 1 | $ 138,000 | $ 138,000 | $ 102,000 |
| Whitfield, Georgia | 1 | $ 157,000 | $ 157,000 | $ 162,000 |
| Will, Illinois | 1 | $ 376,000 | $ 376,000 | $ 199,000 |
| Bartholomew, Indiana | 1 | $ 167,000 | $ 167,000 | $ 65,000 |
| Johnson, Indiana | 1 | $ 83,000 | $ 83,000 | $ 39,000 |
| Leavenworth, Kansas | 1 | $ 160,000 | $ 160,000 | $ 55,000 |
| Riley, Kansas | 1 | $ 222,000 | $ 222,000 | $ 57,000 |
| Barren, Kentucky | 1 | $ 256,000 | $ 256,000 | $ 34,000 |
| Caldwell, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Hardin, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Hopkins, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Lyon, Kentucky | 1 | $ 299,000 | $ 299,000 | $ 451,000 |
| Simpson, Kentucky | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Woodford, Kentucky | 1 | $ 370,000 | $ 370,000 | $ 138,000 |
| Kent, Michigan | 1 | $ 81,000 | $ 81,000 | $ 19,000 |
| Leelanau, Michigan | 1 | $ 298,000 | $ 298,000 | $ 84,000 |
| Attala, Mississippi | 1 | $ 120,000 | $ 120,000 | $ 81,000 |
| Covington, Mississippi | 1 | $ 56,000 | $ 56,000 | $ 39,000 |
| DeSoto, Mississippi | 1 | $ 197,000 | $ 197,000 | $ 85,000 |
| Harrison, Mississippi | 1 | $ 157,000 | $ 157,000 | $ 87,000 |
| Jefferson Davis, Mississippi | 1 | $ 59,000 | $ 59,000 | $ 42,000 |
| Jones, Mississippi | 1 | $ 137,000 | $ 137,000 | $ 49,000 |
| Lamar, Mississippi | 1 | $ 258,000 | $ 258,000 | $ 92,000 |
| Marshall, Mississippi | 1 | $ 58,000 | $ 58,000 | $ 66,000 |
| Newton, Mississippi | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Oktibbeha, Mississippi | 1 | $ 276,000 | $ 276,000 | $ 125,000 |
| Warren, Mississippi | 1 | $ 82,000 | $ 82,000 | $ 25,000 |
| Yazoo, Mississippi | 1 | $ 183,000 | $ 183,000 | $ 48,000 |
| Cape May, New Jersey | 1 | $ 226,000 | $ 226,000 | $ 61,000 |
| Alamance, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Catawba, North Carolina | 1 | $ 109,000 | $ 109,000 | $ 58,000 |
| Cumberland, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Watauga, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Columbiana, Ohio | 1 | $ 159,000 | $ 159,000 | $ 83,000 |
| Defiance, Ohio | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Pickaway, Ohio | 1 | $ 178,000 | $ 178,000 | $ 47,000 |
| Comanche, Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 50,000 |
| Osage, Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 8,000 |
| Multnomah, Oregon | 1 | $ 232,000 | $ 232,000 | $ 60,000 |
| Pennington, South Dakota | 1 | $ 209,000 | $ 209,000 | $ 74,000 |
| Anderson, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Benton, Tennessee | 1 | $ 28,000 | $ 28,000 | $ 90,000 |
| Carter, Tennessee | 1 | $ 220,000 | $ 220,000 | $ 159,000 |
| Chester, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 76,000 |
| Fentress, Tennessee | 1 | $ 59,000 | $ 59,000 | $ 22,000 |
| Franklin, Tennessee | 1 | $ 241,000 | $ 241,000 | $ 197,000 |
| Gibson, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Madison, Tennessee | 1 | $ 192,000 | $ 192,000 | $ 69,000 |
| Polk, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Roane, Tennessee | 1 | $ 272,000 | $ 272,000 | $ 56,000 |
| Van Buren, Tennessee | 1 | $ 173,000 | $ 173,000 | $ 70,000 |
| Weakley, Tennessee | 1 | $ 172,000 | $ 172,000 | $ 74,000 |
| White, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| Harris, Texas | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Jefferson, Texas | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Prince William, Virginia | 1 | $ 392,000 | $ 392,000 | $ 120,000 |
| Clark, Washington | 1 | $ 204,000 | $ 204,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2009
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 | 2,101 | $315,483,000 | $150,000 | $1,005,000 | $62,000 | $1,482,000 |
| Refinancing | 1,508 | $275,529,000 | $182,000 | $2,879,000 | $74,000 | $1,542,000 |
| Home Improvement | 21 | $1,908,000 | $90,000 | $276,000 | $69,000 | $195,000 |
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 | 3,041 | $490,233,000 | $161,000 | $1,005,000 | $69,000 | $1,542,000 |
| Black or African American | 222 | $40,934,000 | $184,000 | $2,879,000 | $63,000 | $555,000 |
| Not Provided | 175 | $29,377,000 | $167,000 | $515,000 | $58,000 | $264,000 |
| Hispanic | 95 | $13,576,000 | $142,000 | $384,000 | $56,000 | $252,000 |
| Asian | 43 | $6,777,000 | $157,000 | $362,000 | $76,000 | $410,000 |
| Not applicable | 41 | $10,040,000 | $244,000 | $1,920,000 | $30,000 | $550,000 |
| American Indian or Alaskan Native | 9 | $1,335,000 | $148,000 | $360,000 | $47,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $648,000 | $162,000 | $317,000 | $34,000 | $55,000 |
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) | 1,569 | $274,361,000 | $174,000 | $2,879,000 | $89,000 | $1,542,000 |
| FHA-insured (Federal Housing Administration) | 1,223 | $188,401,000 | $154,000 | $614,000 | $49,000 | $673,000 |
| VA-guaranteed (Veterans Administration) | 697 | $112,021,000 | $160,000 | $408,000 | $54,000 | $191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 141 | $18,137,000 | $128,000 | $262,000 | $40,000 | $81,000 |
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 | 2,574 | $422,928,000 | $164,000 | $1,920,000 | $69,000 | $1,542,000 |
| Application Withdrawn By Applicant | 600 | $101,225,000 | $168,000 | $2,000,000 | $64,000 | $895,000 |
| Application Denied By Financial Institution | 341 | $52,092,000 | $152,000 | $2,879,000 | $59,000 | $792,000 |
| File Closed For Incompleteness | 74 | $11,875,000 | $160,000 | $417,000 | $54,000 | $244,000 |
| Application Approved But Not Accepted | 41 | $4,800,000 | $117,000 | $411,000 | $74,000 | $342,000 |
| 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 | 194 | $25,528,000 | $131,000 | $614,000 | $47,000 | $419,000 |
| Debt-To-Income Ratio | 62 | $10,280,000 | $165,000 | $1,005,000 | $61,000 | $264,000 |
| Collateral | 40 | $9,143,000 | $228,000 | $2,879,000 | $82,000 | $555,000 |
| Other | 31 | $4,119,000 | $132,000 | $417,000 | $93,000 | $792,000 |
| Unverifiable Information | 5 | $810,000 | $162,000 | $287,000 | $42,000 | $63,000 |
| Employment History | 5 | $1,515,000 | $303,000 | $846,000 | $125,000 | $335,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $697,000 | $174,000 | $197,000 | $68,000 | $114,000 |
| Mortgage Insurance Denied | 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 2009 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About