F&M Bank Mortgage Lending & HMDA Data, 2013
In 2013, F&M Bank of Clarksville, TN reported 4,430 mortgage applications totaling $870.0 million, up 7% from 2012. The average application was for $196,383, and applicants reported an average income of $90,548. 70% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (3,152), Clarksville, TN-KY (844) and Jackson, MS (32) (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 | 4,430 |
| Total Mortgage Loan Application Amount | $869,979,000 |
| Average Mortgage Loan Application Amount | $196,383 |
| Highest Mortgage Loan Application Amount | $4,628,000 |
| Average Applicant Income | $90,548 |
| Highest Applicant Income | $2,146,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Davidson, Tennessee | 986 | $ 197,225,000 | $ 200,025 | $ 93,000 |
| Montgomery, Tennessee | 739 | $ 135,771,000 | $ 183,722 | $ 97,000 |
| Williamson, Tennessee | 623 | $ 180,578,000 | $ 289,852 | $ 130,000 |
| Rutherford, Tennessee | 590 | $ 98,704,000 | $ 167,294 | $ 70,000 |
| Sumner, Tennessee | 461 | $ 87,301,000 | $ 189,373 | $ 79,000 |
| Robertson, Tennessee | 204 | $ 31,802,000 | $ 155,892 | $ 64,000 |
| Wilson, Tennessee | 160 | $ 33,625,000 | $ 210,156 | $ 82,000 |
| Stewart, Tennessee | 76 | $ 8,016,000 | $ 105,473 | $ 64,000 |
| Maury, Tennessee | 72 | $ 12,247,000 | $ 170,097 | $ 69,000 |
| Cheatham, Tennessee | 54 | $ 9,128,000 | $ 169,037 | $ 79,000 |
| Coffee, Tennessee | 34 | $ 4,312,000 | $ 126,823 | $ 46,000 |
| Putnam, Tennessee | 27 | $ 4,450,000 | $ 164,814 | $ 66,000 |
| Smith, Tennessee | 26 | $ 3,029,000 | $ 116,500 | $ 44,000 |
| Christian, Kentucky | 25 | $ 2,844,000 | $ 113,760 | $ 178,000 |
| Dickson, Tennessee | 23 | $ 3,932,000 | $ 170,956 | $ 65,000 |
| Hinds, Mississippi | 21 | $ 3,214,000 | $ 153,047 | $ 76,000 |
| Marshall, Tennessee | 21 | $ 3,364,000 | $ 160,190 | $ 62,000 |
| Giles, Tennessee | 19 | $ 1,990,000 | $ 104,736 | $ 50,000 |
| Bedford, Tennessee | 17 | $ 2,120,000 | $ 124,705 | $ 53,000 |
| Hamilton, Tennessee | 11 | $ 2,181,000 | $ 198,272 | $ 88,000 |
| Knox, Tennessee | 10 | $ 1,534,000 | $ 153,400 | $ 70,000 |
| Macon, Tennessee | 10 | $ 1,373,000 | $ 137,300 | $ 53,000 |
| DeKalb, Tennessee | 9 | $ 1,896,000 | $ 210,666 | $ 87,000 |
| Franklin, Tennessee | 9 | $ 2,283,000 | $ 253,666 | $ 69,000 |
| Cannon, Tennessee | 8 | $ 1,101,000 | $ 137,625 | $ 53,000 |
| Houston, Tennessee | 8 | $ 529,000 | $ 66,125 | $ 39,000 |
| Rankin, Mississippi | 7 | $ 1,194,000 | $ 170,571 | $ 51,000 |
| Warren, Tennessee | 6 | $ 428,000 | $ 71,333 | $ 39,000 |
| Madison, Alabama | 5 | $ 983,000 | $ 196,600 | $ 141,000 |
| Cobb, Georgia | 5 | $ 1,166,000 | $ 233,200 | $ 80,000 |
| Logan, Kentucky | 5 | $ 420,000 | $ 84,000 | $ 34,000 |
| Henry, Tennessee | 5 | $ 530,000 | $ 106,000 | $ 53,000 |
| Hickman, Tennessee | 5 | $ 983,000 | $ 196,600 | $ 75,000 |
| Trigg, Kentucky | 4 | $ 595,000 | $ 148,750 | $ 114,000 |
| Madison, Mississippi | 4 | $ 620,000 | $ 155,000 | $ 72,000 |
| Lawrence, Tennessee | 4 | $ 283,000 | $ 70,750 | $ 56,000 |
| Shelby, Tennessee | 4 | $ 952,000 | $ 238,000 | $ 422,000 |
| White, Tennessee | 4 | $ 725,000 | $ 181,250 | $ 92,000 |
| Pulaski, Arkansas | 3 | $ 782,000 | $ 260,666 | $ 77,000 |
| Todd, Kentucky | 3 | $ 511,000 | $ 170,333 | $ 77,000 |
| Moore, North Carolina | 3 | $ 796,000 | $ 265,333 | $ 100,000 |
| Cumberland, Tennessee | 3 | $ 1,050,000 | $ 350,000 | $ 258,000 |
| Sevier, Tennessee | 3 | $ 576,000 | $ 192,000 | $ 194,000 |
| Lonoke, Arkansas | 2 | $ 227,000 | $ 113,500 | $ 34,000 |
| Arapahoe, Colorado | 2 | $ 563,000 | $ 281,500 | $ 107,000 |
| Hillsborough, Florida | 2 | $ 570,000 | $ 285,000 | $ 271,000 |
| Fayette, Georgia | 2 | $ 707,000 | $ 353,500 | $ 97,000 |
| Fulton, Georgia | 2 | $ 752,000 | $ 376,000 | $ 178,000 |
| Walker, Georgia | 2 | $ 788,000 | $ 394,000 | $ 216,000 |
| DeSoto, Mississippi | 2 | $ 471,000 | $ 235,500 | $ 102,000 |
| Harnett, North Carolina | 2 | $ 363,000 | $ 181,500 | $ 0 |
| Wake, North Carolina | 2 | $ 484,000 | $ 242,000 | $ 71,000 |
| Bradley, Tennessee | 2 | $ 345,000 | $ 172,500 | $ 40,000 |
| Clay, Tennessee | 2 | $ 244,000 | $ 122,000 | $ 98,000 |
| Dyer, Tennessee | 2 | $ 106,000 | $ 53,000 | $ 107,000 |
| Humphreys, Tennessee | 2 | $ 222,000 | $ 111,000 | $ 54,000 |
| Lincoln, Tennessee | 2 | $ 381,000 | $ 190,500 | $ 134,000 |
| Madison, Tennessee | 2 | $ 307,000 | $ 153,500 | $ 87,000 |
| Marion, Tennessee | 2 | $ 834,000 | $ 417,000 | $ 628,000 |
| Overton, Tennessee | 2 | $ 524,000 | $ 262,000 | $ 109,000 |
| Trousdale, Tennessee | 2 | $ 217,000 | $ 108,500 | $ 30,000 |
| Washington, Tennessee | 2 | $ 245,000 | $ 122,500 | $ 48,000 |
| Elmore, Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jackson, Alabama | 1 | $ 167,000 | $ 167,000 | $ 86,000 |
| Jefferson, Alabama | 1 | $ 344,000 | $ 344,000 | $ 132,000 |
| Lee, Alabama | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Montgomery, Alabama | 1 | $ 339,000 | $ 339,000 | $ 111,000 |
| St. Clair, Alabama | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 355,000 | $ 355,000 | $ 148,000 |
| Clark, Arkansas | 1 | $ 141,000 | $ 141,000 | $ 57,000 |
| Craighead, Arkansas | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| El Paso, Colorado | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Collier, Florida | 1 | $ 504,000 | $ 504,000 | $ 907,000 |
| Duval, Florida | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Manatee, Florida | 1 | $ 158,000 | $ 158,000 | $ 116,000 |
| Orange, Florida | 1 | $ 89,000 | $ 89,000 | $ 27,000 |
| Pinellas, Florida | 1 | $ 181,000 | $ 181,000 | $ 340,000 |
| Polk, Florida | 1 | $ 147,000 | $ 147,000 | $ 45,000 |
| Santa Rosa, Florida | 1 | $ 88,000 | $ 88,000 | $ 213,000 |
| Volusia, Florida | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Walton, Florida | 1 | $ 152,000 | $ 152,000 | $ 25,000 |
| Bartow, Georgia | 1 | $ 250,000 | $ 250,000 | $ 111,000 |
| Catoosa, Georgia | 1 | $ 156,000 | $ 156,000 | $ 33,000 |
| Chattooga, Georgia | 1 | $ 199,000 | $ 199,000 | $ 64,000 |
| Coweta, Georgia | 1 | $ 253,000 | $ 253,000 | $ 98,000 |
| Effingham, Georgia | 1 | $ 108,000 | $ 108,000 | $ 35,000 |
| Forsyth, Georgia | 1 | $ 192,000 | $ 192,000 | $ 59,000 |
| Liberty, Georgia | 1 | $ 48,000 | $ 48,000 | $ 97,000 |
| Pickens, Georgia | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Richmond, Georgia | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Honolulu, Hawaii | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Kane, Illinois | 1 | $ 278,000 | $ 278,000 | $ 117,000 |
| Pike, Illinois | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Clark, Indiana | 1 | $ 224,000 | $ 224,000 | $ 77,000 |
| Tippecanoe, Indiana | 1 | $ 79,000 | $ 79,000 | $ 30,000 |
| Fayette, Kentucky | 1 | $ 108,000 | $ 108,000 | $ 59,000 |
| Grant, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 56,000 |
| Hopkins, Kentucky | 1 | $ 169,000 | $ 169,000 | $ 89,000 |
| McCracken, Kentucky | 1 | $ 117,000 | $ 117,000 | $ 150,000 |
| Muhlenberg, Kentucky | 1 | $ 311,000 | $ 311,000 | $ 240,000 |
| Simpson, Kentucky | 1 | $ 52,000 | $ 52,000 | $ 74,000 |
| Union, Kentucky | 1 | $ 66,000 | $ 66,000 | $ 26,000 |
| St. Tammany, Louisiana | 1 | $ 170,000 | $ 170,000 | $ 40,000 |
| Tangipahoa, Louisiana | 1 | $ 72,000 | $ 72,000 | $ 67,000 |
| Kalamazoo, Michigan | 1 | $ 52,000 | $ 52,000 | $ 178,000 |
| Washtenaw, Michigan | 1 | $ 400,000 | $ 400,000 | $ 360,000 |
| George, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Warren, Mississippi | 1 | $ 71,000 | $ 71,000 | $ 39,000 |
| Wayne, Mississippi | 1 | $ 154,000 | $ 154,000 | $ 123,000 |
| St. Louis, Missouri | 1 | $ 198,000 | $ 198,000 | $ 118,000 |
| Texas, Missouri | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Clark, Nevada | 1 | $ 280,000 | $ 280,000 | $ 59,000 |
| Hillsborough, New Hampshire | 1 | $ 162,000 | $ 162,000 | $ 34,000 |
| Hudson, New Jersey | 1 | $ 394,000 | $ 394,000 | $ 106,000 |
| Alamance, North Carolina | 1 | $ 174,000 | $ 174,000 | $ 111,000 |
| Buncombe, North Carolina | 1 | $ 166,000 | $ 166,000 | $ 112,000 |
| Mecklenburg, North Carolina | 1 | $ 635,000 | $ 635,000 | $ 72,000 |
| Wilson, North Carolina | 1 | $ 153,000 | $ 153,000 | $ 75,000 |
| Cuyahoga, Ohio | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Deschutes, Oregon | 1 | $ 187,000 | $ 187,000 | $ 130,000 |
| Centre, Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 120,000 |
| Anderson, Tennessee | 1 | $ 62,000 | $ 62,000 | $ 342,000 |
| Benton, Tennessee | 1 | $ 116,000 | $ 116,000 | $ 71,000 |
| Blount, Tennessee | 1 | $ 141,000 | $ 141,000 | $ 90,000 |
| Cocke, Tennessee | 1 | $ 94,000 | $ 94,000 | $ 65,000 |
| Gibson, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 99,000 |
| Greene, Tennessee | 1 | $ 153,000 | $ 153,000 | $ 93,000 |
| Hawkins, Tennessee | 1 | $ 147,000 | $ 147,000 | $ 63,000 |
| Lewis, Tennessee | 1 | $ 90,000 | $ 90,000 | $ 38,000 |
| Moore, Tennessee | 1 | $ 152,000 | $ 152,000 | $ 129,000 |
| Pickett, Tennessee | 1 | $ 84,000 | $ 84,000 | $ 113,000 |
| Wayne, Tennessee | 1 | $ 133,000 | $ 133,000 | $ 92,000 |
| Smith, Texas | 1 | $ 200,000 | $ 200,000 | $ 69,000 |
| Summit, Utah | 1 | $ 542,000 | $ 542,000 | $ 111,000 |
| Alexandria, Virginia | 1 | $ 360,000 | $ 360,000 | $ 141,000 |
| Henrico, Virginia | 1 | $ 339,000 | $ 339,000 | $ 135,000 |
| Martinsville, Virginia | 1 | $ 216,000 | $ 216,000 | $ 44,000 |
| Roanoke, Virginia | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2013
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 | 2,782 | $536,050,000 | $192,000 | $1,320,000 | $84,000 | $1,646,000 |
| Refinancing | 1,632 | $331,417,000 | $203,000 | $4,628,000 | $101,000 | $2,146,000 |
| Home Improvement | 16 | $2,512,000 | $157,000 | $784,000 | $163,000 | $568,000 |
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 | 3,624 | $703,586,000 | $194,000 | $2,722,000 | $92,000 | $2,146,000 |
| Not Provided | 446 | $93,959,000 | $210,000 | $1,000,000 | $96,000 | $1,380,000 |
| Black or African American | 152 | $24,685,000 | $162,000 | $509,000 | $59,000 | $293,000 |
| Hispanic | 93 | $17,887,000 | $192,000 | $417,000 | $76,000 | $550,000 |
| Asian | 64 | $11,709,000 | $182,000 | $830,000 | $89,000 | $698,000 |
| Not applicable | 28 | $13,670,000 | $488,000 | $4,628,000 | $2,000 | $64,000 |
| American Indian or Alaskan Native | 12 | $2,394,000 | $199,000 | $492,000 | $119,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,089,000 | $189,000 | $310,000 | $111,000 | $619,000 |
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) | 2,740 | $580,325,000 | $211,000 | $4,628,000 | $110,000 | $2,146,000 |
| FHA-insured (Federal Housing Administration) | 899 | $148,178,000 | $164,000 | $509,000 | $61,000 | $1,392,000 |
| VA-guaranteed (Veterans Administration) | 552 | $110,016,000 | $199,000 | $635,000 | $64,000 | $393,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 239 | $31,460,000 | $131,000 | $311,000 | $42,000 | $87,000 |
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 | 3,085 | $615,810,000 | $199,000 | $4,628,000 | $91,000 | $2,146,000 |
| Application Withdrawn By Applicant | 890 | $180,333,000 | $202,000 | $1,824,000 | $98,000 | $1,392,000 |
| Application Denied By Financial Institution | 413 | $68,170,000 | $165,000 | $975,000 | $69,000 | $1,646,000 |
| Application Approved But Not Accepted | 42 | $5,666,000 | $134,000 | $636,000 | $112,000 | $1,038,000 |
| 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 | 162 | $23,592,000 | $145,000 | $763,000 | $53,000 | $360,000 |
| Debt-To-Income Ratio | 100 | $17,978,000 | $179,000 | $648,000 | $56,000 | $211,000 |
| Collateral | 84 | $15,459,000 | $184,000 | $975,000 | $89,000 | $333,000 |
| Other | 30 | $5,323,000 | $177,000 | $417,000 | $155,000 | $1,646,000 |
| Employment History | 17 | $2,359,000 | $138,000 | $229,000 | $43,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,222,000 | $170,000 | $440,000 | $67,000 | $186,000 |
| Unverifiable Information | 6 | $1,064,000 | $177,000 | $257,000 | $77,000 | $247,000 |
| Mortgage Insurance Denied | 1 | $173,000 | $173,000 | $173,000 | $81,000 | $81,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2013 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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