F&M Bank Mortgage Lending & HMDA Data, 2011
In 2011, F&M Bank of Clarksville, TN reported 2,964 mortgage applications totaling $496.4 million, down 28% from 2010. The average application was for $167,490, and applicants reported an average income of $76,469. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (1,852), Clarksville, TN-KY (859) and Jackson, MS (21) (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 | 2,964 |
| Total Mortgage Loan Application Amount | $496,442,000 |
| Average Mortgage Loan Application Amount | $167,490 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $76,469 |
| Highest Applicant Income | $4,066,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 723 | $ 120,125,000 | $ 166,147 | $ 77,000 |
| Rutherford, Tennessee | 453 | $ 68,185,000 | $ 150,518 | $ 63,000 |
| Davidson, Tennessee | 439 | $ 72,143,000 | $ 164,334 | $ 77,000 |
| Williamson, Tennessee | 319 | $ 82,792,000 | $ 259,536 | $ 113,000 |
| Sumner, Tennessee | 299 | $ 52,340,000 | $ 175,050 | $ 76,000 |
| Robertson, Tennessee | 148 | $ 19,823,000 | $ 133,939 | $ 65,000 |
| Wilson, Tennessee | 97 | $ 16,280,000 | $ 167,835 | $ 72,000 |
| Stewart, Tennessee | 91 | $ 9,178,000 | $ 100,857 | $ 62,000 |
| Maury, Tennessee | 57 | $ 8,070,000 | $ 141,578 | $ 58,000 |
| Christian, Kentucky | 42 | $ 4,423,000 | $ 105,309 | $ 41,000 |
| Cheatham, Tennessee | 31 | $ 4,416,000 | $ 142,451 | $ 80,000 |
| Smith, Tennessee | 24 | $ 2,564,000 | $ 106,833 | $ 45,000 |
| Marshall, Tennessee | 16 | $ 1,975,000 | $ 123,437 | $ 58,000 |
| Hinds, Mississippi | 13 | $ 1,836,000 | $ 141,230 | $ 56,000 |
| Dickson, Tennessee | 12 | $ 2,103,000 | $ 175,250 | $ 56,000 |
| Giles, Tennessee | 12 | $ 1,378,000 | $ 114,833 | $ 54,000 |
| Shelby, Tennessee | 12 | $ 1,349,000 | $ 112,416 | $ 80,000 |
| Bedford, Tennessee | 10 | $ 1,274,000 | $ 127,400 | $ 53,000 |
| Cannon, Tennessee | 10 | $ 1,707,000 | $ 170,700 | $ 54,000 |
| Coffee, Tennessee | 10 | $ 1,279,000 | $ 127,900 | $ 44,000 |
| Putnam, Tennessee | 10 | $ 2,034,000 | $ 203,400 | $ 53,000 |
| Hickman, Tennessee | 9 | $ 1,075,000 | $ 119,444 | $ 52,000 |
| Macon, Tennessee | 8 | $ 817,000 | $ 102,125 | $ 34,000 |
| Baldwin, Alabama | 6 | $ 928,000 | $ 154,666 | $ 179,000 |
| Franklin, Tennessee | 6 | $ 1,109,000 | $ 184,833 | $ 110,000 |
| DeKalb, Tennessee | 5 | $ 1,133,000 | $ 226,600 | $ 195,000 |
| Houston, Tennessee | 5 | $ 392,000 | $ 78,400 | $ 61,000 |
| Logan, Kentucky | 4 | $ 577,000 | $ 144,250 | $ 53,000 |
| Madison, Mississippi | 4 | $ 770,000 | $ 192,500 | $ 71,000 |
| Rankin, Mississippi | 4 | $ 781,000 | $ 195,250 | $ 69,000 |
| Lewis, Tennessee | 4 | $ 389,000 | $ 97,250 | $ 38,000 |
| Sevier, Tennessee | 4 | $ 567,000 | $ 141,750 | $ 87,000 |
| Trigg, Kentucky | 3 | $ 574,000 | $ 191,333 | $ 158,000 |
| Hoke, North Carolina | 3 | $ 509,000 | $ 169,666 | $ 45,000 |
| Lawrence, Tennessee | 3 | $ 403,000 | $ 134,333 | $ 103,000 |
| Lincoln, Tennessee | 3 | $ 494,000 | $ 164,666 | $ 76,000 |
| Trousdale, Tennessee | 3 | $ 328,000 | $ 109,333 | $ 193,000 |
| Todd, Kentucky | 2 | $ 331,000 | $ 165,500 | $ 61,000 |
| Warren, Kentucky | 2 | $ 324,000 | $ 162,000 | $ 73,000 |
| Vernon, Louisiana | 2 | $ 402,000 | $ 201,000 | $ 95,000 |
| Knox, Tennessee | 2 | $ 258,000 | $ 129,000 | $ 33,000 |
| Perry, Tennessee | 2 | $ 142,000 | $ 71,000 | $ 10,000 |
| Warren, Tennessee | 2 | $ 283,000 | $ 141,500 | $ 27,000 |
| Coffee, Alabama | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 219,000 | $ 219,000 | $ 51,000 |
| Lee, Alabama | 1 | $ 162,000 | $ 162,000 | $ 172,000 |
| Madison, Alabama | 1 | $ 59,000 | $ 59,000 | $ 101,000 |
| El Paso, Colorado | 1 | $ 121,000 | $ 121,000 | $ 97,000 |
| Franklin, Florida | 1 | $ 324,000 | $ 324,000 | $ 131,000 |
| Lee, Florida | 1 | $ 70,000 | $ 70,000 | $ 86,000 |
| Okaloosa, Florida | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| St. Johns, Florida | 1 | $ 110,000 | $ 110,000 | $ 106,000 |
| Walton, Florida | 1 | $ 210,000 | $ 210,000 | $ 370,000 |
| Catoosa, Georgia | 1 | $ 112,000 | $ 112,000 | $ 36,000 |
| Cherokee, Georgia | 1 | $ 340,000 | $ 340,000 | $ 122,000 |
| Cobb, Georgia | 1 | $ 156,000 | $ 156,000 | $ 180,000 |
| Forsyth, Georgia | 1 | $ 264,000 | $ 264,000 | $ 87,000 |
| Richmond, Georgia | 1 | $ 180,000 | $ 180,000 | $ 116,000 |
| Kane, Illinois | 1 | $ 292,000 | $ 292,000 | $ 109,000 |
| Bullitt, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Crittenden, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Grayson, Kentucky | 1 | $ 117,000 | $ 117,000 | $ 82,000 |
| Jefferson, Kentucky | 1 | $ 388,000 | $ 388,000 | $ 350,000 |
| Oldham, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| Queen Anne's, Maryland | 1 | $ 332,000 | $ 332,000 | $ 219,000 |
| Attala, Mississippi | 1 | $ 123,000 | $ 123,000 | $ 81,000 |
| Jackson, Mississippi | 1 | $ 236,000 | $ 236,000 | $ 349,000 |
| Lafayette, Mississippi | 1 | $ 109,000 | $ 109,000 | $ 27,000 |
| Scott, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Wayne, Mississippi | 1 | $ 120,000 | $ 120,000 | $ 18,000 |
| Avery, North Carolina | 1 | $ 86,000 | $ 86,000 | $ 176,000 |
| Craven, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 54,000 |
| Harnett, North Carolina | 1 | $ 396,000 | $ 396,000 | $ 100,000 |
| Lawrence, Ohio | 1 | $ 138,000 | $ 138,000 | $ 74,000 |
| Oklahoma, Oklahoma | 1 | $ 209,000 | $ 209,000 | $ 85,000 |
| Blount, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Clay, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Cumberland, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Fayette, Tennessee | 1 | $ 201,000 | $ 201,000 | $ 185,000 |
| Gibson, Tennessee | 1 | $ 309,000 | $ 309,000 | $ 121,000 |
| Hamilton, Tennessee | 1 | $ 143,000 | $ 143,000 | $ 180,000 |
| Henry, Tennessee | 1 | $ 98,000 | $ 98,000 | $ 267,000 |
| Jackson, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 213,000 |
| Madison, Tennessee | 1 | $ 194,000 | $ 194,000 | $ 89,000 |
| Obion, Tennessee | 1 | $ 177,000 | $ 177,000 | $ 96,000 |
| Overton, Tennessee | 1 | $ 84,000 | $ 84,000 | $ 16,000 |
| Sequatchie, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 19,000 |
| Wayne, Tennessee | 1 | $ 133,000 | $ 133,000 | $ 80,000 |
| Weakley, Tennessee | 1 | $ 22,000 | $ 22,000 | $ 21,000 |
| White, Tennessee | 1 | $ 20,000 | $ 20,000 | $ 8,000 |
| Bell, Texas | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Tarrant, Texas | 1 | $ 309,000 | $ 309,000 | $ 367,000 |
| Fairfax, Virginia | 1 | $ 438,000 | $ 438,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2011
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 | 1,968 | $315,132,000 | $160,000 | $954,000 | $72,000 | $4,066,000 |
| Refinancing | 979 | $180,329,000 | $184,000 | $1,575,000 | $86,000 | $1,159,000 |
| Home Improvement | 17 | $981,000 | $57,000 | $180,000 | $45,000 | $105,000 |
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 | 2,462 | $416,319,000 | $169,000 | $1,575,000 | $78,000 | $1,168,000 |
| Black or African American | 173 | $25,851,000 | $149,000 | $954,000 | $79,000 | $4,066,000 |
| Not Provided | 170 | $29,883,000 | $175,000 | $417,000 | $72,000 | $479,000 |
| Hispanic | 70 | $10,884,000 | $155,000 | $367,000 | $56,000 | $150,000 |
| Asian | 58 | $8,795,000 | $151,000 | $356,000 | $72,000 | $454,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,734,000 | $144,000 | $204,000 | $69,000 | $143,000 |
| Not applicable | 12 | $2,143,000 | $178,000 | $440,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $833,000 | $119,000 | $208,000 | $55,000 | $93,000 |
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) | 1,390 | $245,498,000 | $176,000 | $1,575,000 | $99,000 | $4,066,000 |
| FHA-insured (Federal Housing Administration) | 840 | $130,032,000 | $154,000 | $437,000 | $58,000 | $652,000 |
| VA-guaranteed (Veterans Administration) | 598 | $103,961,000 | $173,000 | $624,000 | $59,000 | $289,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 136 | $16,951,000 | $124,000 | $238,000 | $40,000 | $74,000 |
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 | 2,282 | $386,697,000 | $169,000 | $1,575,000 | $78,000 | $4,066,000 |
| Application Denied By Financial Institution | 313 | $51,111,000 | $163,000 | $1,014,000 | $66,000 | $530,000 |
| Application Withdrawn By Applicant | 222 | $35,867,000 | $161,000 | $485,000 | $77,000 | $1,159,000 |
| Application Approved But Not Accepted | 146 | $22,627,000 | $154,000 | $471,000 | $78,000 | $554,000 |
| File Closed For Incompleteness | 1 | $140,000 | $140,000 | $140,000 | $128,000 | $128,000 |
| 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 | 113 | $16,175,000 | $143,000 | $430,000 | $53,000 | $231,000 |
| Collateral | 79 | $14,388,000 | $182,000 | $750,000 | $82,000 | $349,000 |
| Debt-To-Income Ratio | 77 | $13,023,000 | $169,000 | $1,014,000 | $50,000 | $357,000 |
| Other | 17 | $2,971,000 | $174,000 | $385,000 | $128,000 | $530,000 |
| Employment History | 14 | $1,880,000 | $134,000 | $280,000 | $65,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,674,000 | $205,000 | $537,000 | $99,000 | $250,000 |
| 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 2011 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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