F&M Bank Mortgage Lending & HMDA Data, 2010
In 2010, F&M Bank of Clarksville, TN reported 4,138 mortgage applications totaling $698.2 million, up 14% from 2009. The average application was for $168,723, and applicants reported an average income of $75,274. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,661), Clarksville, TN-KY (1,066) and Jackson, MS (27) (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 | 4,138 |
| Total Mortgage Loan Application Amount | $698,176,000 |
| Average Mortgage Loan Application Amount | $168,723 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $75,274 |
| Highest Applicant Income | $1,520,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 915 | $ 154,657,000 | $ 169,024 | $ 68,000 |
| Rutherford, Tennessee | 721 | $ 113,322,000 | $ 157,173 | $ 67,000 |
| Davidson, Tennessee | 670 | $ 104,694,000 | $ 156,259 | $ 79,000 |
| Williamson, Tennessee | 430 | $ 108,943,000 | $ 253,355 | $ 118,000 |
| Sumner, Tennessee | 356 | $ 62,916,000 | $ 176,730 | $ 72,000 |
| Wilson, Tennessee | 194 | $ 33,428,000 | $ 172,309 | $ 75,000 |
| Robertson, Tennessee | 177 | $ 26,099,000 | $ 147,451 | $ 63,000 |
| Maury, Tennessee | 137 | $ 19,746,000 | $ 144,131 | $ 58,000 |
| Stewart, Tennessee | 106 | $ 10,530,000 | $ 99,339 | $ 58,000 |
| Christian, Kentucky | 40 | $ 5,278,000 | $ 131,950 | $ 59,000 |
| Cheatham, Tennessee | 37 | $ 6,334,000 | $ 171,189 | $ 79,000 |
| Putnam, Tennessee | 21 | $ 2,667,000 | $ 127,000 | $ 60,000 |
| Bedford, Tennessee | 20 | $ 2,136,000 | $ 106,800 | $ 41,000 |
| Dickson, Tennessee | 20 | $ 2,458,000 | $ 122,900 | $ 48,000 |
| Coffee, Tennessee | 19 | $ 2,339,000 | $ 123,105 | $ 50,000 |
| Smith, Tennessee | 18 | $ 2,138,000 | $ 118,777 | $ 44,000 |
| Hinds, Mississippi | 16 | $ 2,680,000 | $ 167,500 | $ 58,000 |
| Houston, Tennessee | 16 | $ 1,513,000 | $ 94,562 | $ 81,000 |
| Marshall, Tennessee | 16 | $ 2,323,000 | $ 145,187 | $ 46,000 |
| Cannon, Tennessee | 14 | $ 1,726,000 | $ 123,285 | $ 53,000 |
| Hickman, Tennessee | 11 | $ 1,190,000 | $ 108,181 | $ 49,000 |
| DeKalb, Tennessee | 9 | $ 1,628,000 | $ 180,888 | $ 174,000 |
| Giles, Tennessee | 9 | $ 1,019,000 | $ 113,222 | $ 46,000 |
| Macon, Tennessee | 9 | $ 1,093,000 | $ 121,444 | $ 44,000 |
| Shelby, Tennessee | 8 | $ 1,298,000 | $ 162,250 | $ 87,000 |
| Rankin, Mississippi | 7 | $ 1,247,000 | $ 178,142 | $ 53,000 |
| Warren, Kentucky | 6 | $ 823,000 | $ 137,166 | $ 71,000 |
| Franklin, Tennessee | 6 | $ 560,000 | $ 93,333 | $ 100,000 |
| Knox, Tennessee | 6 | $ 1,321,000 | $ 220,166 | $ 331,000 |
| Trigg, Kentucky | 5 | $ 689,000 | $ 137,800 | $ 66,000 |
| Hamilton, Tennessee | 5 | $ 959,000 | $ 191,800 | $ 76,000 |
| Lawrence, Tennessee | 5 | $ 631,000 | $ 126,200 | $ 36,000 |
| Madison, Mississippi | 4 | $ 824,000 | $ 206,000 | $ 156,000 |
| Bradley, Tennessee | 4 | $ 884,000 | $ 221,000 | $ 101,000 |
| Trousdale, Tennessee | 4 | $ 615,000 | $ 153,750 | $ 65,000 |
| Warren, Tennessee | 4 | $ 322,000 | $ 80,500 | $ 65,000 |
| White, Tennessee | 4 | $ 1,092,000 | $ 273,000 | $ 193,000 |
| Cobb, Georgia | 3 | $ 514,000 | $ 171,333 | $ 258,000 |
| Tippah, Mississippi | 3 | $ 411,000 | $ 137,000 | $ 52,000 |
| Baldwin, Alabama | 2 | $ 323,000 | $ 161,500 | $ 139,000 |
| Shelby, Alabama | 2 | $ 313,000 | $ 156,500 | $ 101,000 |
| Collier, Florida | 2 | $ 317,000 | $ 158,500 | $ 94,000 |
| Jefferson, Kentucky | 2 | $ 486,000 | $ 243,000 | $ 227,000 |
| Simpson, Kentucky | 2 | $ 607,000 | $ 303,500 | $ 20,000 |
| Todd, Kentucky | 2 | $ 243,000 | $ 121,500 | $ 50,000 |
| Benton, Tennessee | 2 | $ 338,000 | $ 169,000 | $ 77,000 |
| Hardin, Tennessee | 2 | $ 510,000 | $ 255,000 | $ 196,000 |
| Lewis, Tennessee | 2 | $ 278,000 | $ 139,000 | $ 56,000 |
| Sevier, Tennessee | 2 | $ 203,000 | $ 101,500 | $ 65,000 |
| Fairfax, Virginia | 2 | $ 469,000 | $ 234,500 | $ 105,000 |
| Coffee, Alabama | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Colbert, Alabama | 1 | $ 57,000 | $ 57,000 | $ 51,000 |
| Lauderdale, Alabama | 1 | $ 167,000 | $ 167,000 | $ 54,000 |
| Limestone, Alabama | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Madison, Alabama | 1 | $ 150,000 | $ 150,000 | $ 39,000 |
| El Paso, Colorado | 1 | $ 138,000 | $ 138,000 | $ 51,000 |
| Hillsborough, Florida | 1 | $ 250,000 | $ 250,000 | $ 79,000 |
| Marion, Florida | 1 | $ 104,000 | $ 104,000 | $ 23,000 |
| Orange, Florida | 1 | $ 289,000 | $ 289,000 | $ 136,000 |
| Pinellas, Florida | 1 | $ 182,000 | $ 182,000 | $ 60,000 |
| St. Lucie, Florida | 1 | $ 99,000 | $ 99,000 | $ 66,000 |
| Volusia, Florida | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| Barrow, Georgia | 1 | $ 274,000 | $ 274,000 | $ 151,000 |
| Catoosa, Georgia | 1 | $ 417,000 | $ 417,000 | $ 175,000 |
| Chatham, Georgia | 1 | $ 326,000 | $ 326,000 | $ 58,000 |
| Fayette, Georgia | 1 | $ 279,000 | $ 279,000 | $ 71,000 |
| Fulton, Georgia | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Houston, Georgia | 1 | $ 107,000 | $ 107,000 | $ 86,000 |
| Newton, Georgia | 1 | $ 325,000 | $ 325,000 | $ 108,000 |
| Paulding, Georgia | 1 | $ 119,000 | $ 119,000 | $ 85,000 |
| Pike, Georgia | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Clark, Indiana | 1 | $ 127,000 | $ 127,000 | $ 50,000 |
| Johnson, Kansas | 1 | $ 181,000 | $ 181,000 | $ 125,000 |
| Daviess, Kentucky | 1 | $ 172,000 | $ 172,000 | $ 70,000 |
| Fayette, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 62,000 |
| Garrard, Kentucky | 1 | $ 133,000 | $ 133,000 | $ 92,000 |
| Graves, Kentucky | 1 | $ 33,000 | $ 33,000 | $ 20,000 |
| Hardin, Kentucky | 1 | $ 303,000 | $ 303,000 | $ 116,000 |
| Knox, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| McCracken, Kentucky | 1 | $ 107,000 | $ 107,000 | $ 171,000 |
| Rockcastle, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 69,000 |
| Orleans, Louisiana | 1 | $ 281,000 | $ 281,000 | $ 85,000 |
| Anne Arundel, Maryland | 1 | $ 225,000 | $ 225,000 | $ 168,000 |
| Leelanau, Michigan | 1 | $ 297,000 | $ 297,000 | $ 77,000 |
| St. Clair, Michigan | 1 | $ 250,000 | $ 250,000 | $ 114,000 |
| Attala, Mississippi | 1 | $ 130,000 | $ 130,000 | $ 66,000 |
| Choctaw, Mississippi | 1 | $ 78,000 | $ 78,000 | $ 118,000 |
| Platte, Missouri | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Moore, North Carolina | 1 | $ 216,000 | $ 216,000 | $ 82,000 |
| Rockingham, North Carolina | 1 | $ 156,000 | $ 156,000 | $ 75,000 |
| Charleston, South Carolina | 1 | $ 230,000 | $ 230,000 | $ 46,000 |
| Richland, South Carolina | 1 | $ 161,000 | $ 161,000 | $ 53,000 |
| Anderson, Tennessee | 1 | $ 359,000 | $ 359,000 | $ 494,000 |
| Blount, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 104,000 |
| Carter, Tennessee | 1 | $ 71,000 | $ 71,000 | $ 14,000 |
| Claiborne, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Decatur, Tennessee | 1 | $ 110,000 | $ 110,000 | $ 78,000 |
| Fayette, Tennessee | 1 | $ 216,000 | $ 216,000 | $ 658,000 |
| Gibson, Tennessee | 1 | $ 320,000 | $ 320,000 | $ 134,000 |
| Grundy, Tennessee | 1 | $ 82,000 | $ 82,000 | $ 50,000 |
| Henry, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
| Humphreys, Tennessee | 1 | $ 143,000 | $ 143,000 | $ 47,000 |
| Jackson, Tennessee | 1 | $ 141,000 | $ 141,000 | $ 27,000 |
| Loudon, Tennessee | 1 | $ 414,000 | $ 414,000 | $ 155,000 |
| Madison, Tennessee | 1 | $ 218,000 | $ 218,000 | $ 100,000 |
| Overton, Tennessee | 1 | $ 122,000 | $ 122,000 | $ 62,000 |
| Sullivan, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Tipton, Tennessee | 1 | $ 122,000 | $ 122,000 | $ 79,000 |
| Washington, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Wayne, Tennessee | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| El Paso, Texas | 1 | $ 146,000 | $ 146,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2010
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 | 2,496 | $397,807,000 | $159,000 | $4,500,000 | $68,000 | $1,520,000 |
| Refinancing | 1,610 | $296,473,000 | $184,000 | $3,263,000 | $86,000 | $1,040,000 |
| Home Improvement | 32 | $3,896,000 | $121,000 | $592,000 | $103,000 | $648,000 |
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 | 3,494 | $592,292,000 | $169,000 | $4,500,000 | $78,000 | $1,520,000 |
| Not Provided | 243 | $38,515,000 | $158,000 | $519,000 | $58,000 | $606,000 |
| Black or African American | 221 | $35,461,000 | $160,000 | $417,000 | $70,000 | $1,252,000 |
| Hispanic | 88 | $12,877,000 | $146,000 | $417,000 | $65,000 | $851,000 |
| Asian | 56 | $8,694,000 | $155,000 | $350,000 | $64,000 | $181,000 |
| Not applicable | 23 | $7,724,000 | $335,000 | $3,263,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,596,000 | $228,000 | $341,000 | $94,000 | $204,000 |
| American Indian or Alaskan Native | 6 | $1,017,000 | $169,000 | $250,000 | $83,000 | $162,000 |
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) | 2,011 | $358,797,000 | $178,000 | $4,500,000 | $97,000 | $1,520,000 |
| FHA-insured (Federal Housing Administration) | 1,303 | $203,450,000 | $156,000 | $442,000 | $55,000 | $1,252,000 |
| VA-guaranteed (Veterans Administration) | 650 | $112,397,000 | $172,000 | $564,000 | $58,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 174 | $23,532,000 | $135,000 | $286,000 | $41,000 | $84,000 |
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 | 3,189 | $541,789,000 | $169,000 | $3,263,000 | $77,000 | $1,520,000 |
| Application Withdrawn By Applicant | 446 | $81,171,000 | $181,000 | $1,272,000 | $79,000 | $1,029,000 |
| Application Denied By Financial Institution | 425 | $59,577,000 | $140,000 | $862,000 | $53,000 | $491,000 |
| Application Approved But Not Accepted | 63 | $12,608,000 | $200,000 | $4,500,000 | $104,000 | $1,403,000 |
| File Closed For Incompleteness | 15 | $3,031,000 | $202,000 | $675,000 | $52,000 | $132,000 |
| 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 | 199 | $24,461,000 | $122,000 | $417,000 | $41,000 | $344,000 |
| Collateral | 71 | $12,097,000 | $170,000 | $862,000 | $70,000 | $335,000 |
| Debt-To-Income Ratio | 68 | $9,220,000 | $135,000 | $417,000 | $57,000 | $252,000 |
| Other | 54 | $8,385,000 | $155,000 | $410,000 | $68,000 | $491,000 |
| Employment History | 19 | $2,847,000 | $149,000 | $417,000 | $58,000 | $209,000 |
| Unverifiable Information | 7 | $1,165,000 | $166,000 | $245,000 | $37,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,085,000 | $271,000 | $417,000 | $153,000 | $360,000 |
| Credit Application Incomplete | 2 | $195,000 | $97,000 | $105,000 | $48,000 | $64,000 |
| Mortgage Insurance Denied | 1 | $122,000 | $122,000 | $122,000 | $71,000 | $71,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2010 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.
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