F&M Bank Mortgage Lending & HMDA Data, 2014
In 2014, F&M Bank of Clarksville, TN reported 3,181 mortgage applications totaling $626.2 million, down 28% from 2013. The average application was for $196,860, and applicants reported an average income of $106,021. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,203), Clarksville, TN-KY (769) and Atlanta-Sandy Springs-Roswell, GA (10) (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 | 3,181 |
| Total Mortgage Loan Application Amount | $626,214,000 |
| Average Mortgage Loan Application Amount | $196,860 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $106,021 |
| Highest Applicant Income | $2,159,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 902 | $ 183,137,000 | $ 203,034 | $ 96,000 |
| Montgomery, Tennessee | 739 | $ 127,644,000 | $ 172,725 | $ 100,000 |
| Williamson, Tennessee | 394 | $ 114,660,000 | $ 291,015 | $ 128,000 |
| Sumner, Tennessee | 308 | $ 63,586,000 | $ 206,448 | $ 86,000 |
| Rutherford, Tennessee | 196 | $ 35,030,000 | $ 178,724 | $ 68,000 |
| Robertson, Tennessee | 143 | $ 21,438,000 | $ 149,916 | $ 81,000 |
| Wilson, Tennessee | 110 | $ 18,540,000 | $ 168,545 | $ 290,000 |
| Stewart, Tennessee | 56 | $ 6,610,000 | $ 118,035 | $ 66,000 |
| Maury, Tennessee | 55 | $ 9,156,000 | $ 166,472 | $ 71,000 |
| Cheatham, Tennessee | 30 | $ 5,588,000 | $ 186,266 | $ 76,000 |
| Christian, Kentucky | 26 | $ 2,450,000 | $ 94,230 | $ 297,000 |
| Smith, Tennessee | 22 | $ 2,871,000 | $ 130,500 | $ 64,000 |
| Putnam, Tennessee | 18 | $ 2,722,000 | $ 151,222 | $ 61,000 |
| Dickson, Tennessee | 16 | $ 2,842,000 | $ 177,625 | $ 97,000 |
| Macon, Tennessee | 13 | $ 1,577,000 | $ 121,307 | $ 80,000 |
| Marshall, Tennessee | 10 | $ 1,231,000 | $ 123,100 | $ 47,000 |
| Bedford, Tennessee | 9 | $ 1,168,000 | $ 129,777 | $ 49,000 |
| Knox, Tennessee | 8 | $ 1,444,000 | $ 180,500 | $ 87,000 |
| Franklin, Tennessee | 7 | $ 1,712,000 | $ 244,571 | $ 321,000 |
| Todd, Kentucky | 6 | $ 993,000 | $ 165,500 | $ 60,000 |
| DeKalb, Tennessee | 6 | $ 1,031,000 | $ 171,833 | $ 444,000 |
| Hickman, Tennessee | 6 | $ 1,183,000 | $ 197,166 | $ 50,000 |
| Henry, Tennessee | 5 | $ 564,000 | $ 112,800 | $ 146,000 |
| Trousdale, Tennessee | 5 | $ 471,000 | $ 94,200 | $ 46,000 |
| Trigg, Kentucky | 4 | $ 423,000 | $ 105,750 | $ 82,000 |
| Giles, Tennessee | 4 | $ 323,000 | $ 80,750 | $ 31,000 |
| Jefferson, Alabama | 3 | $ 1,004,000 | $ 334,666 | $ 129,000 |
| Cobb, Georgia | 3 | $ 578,000 | $ 192,666 | $ 86,000 |
| Paulding, Georgia | 3 | $ 579,000 | $ 193,000 | $ 71,000 |
| Cannon, Tennessee | 3 | $ 540,000 | $ 180,000 | $ 25,000 |
| Henderson, Tennessee | 3 | $ 548,000 | $ 182,666 | $ 103,000 |
| Sevier, Tennessee | 3 | $ 560,000 | $ 186,666 | $ 246,000 |
| Maricopa, Arizona | 2 | $ 907,000 | $ 453,500 | $ 117,000 |
| Fulton, Georgia | 2 | $ 360,000 | $ 180,000 | $ 75,000 |
| Glynn, Georgia | 2 | $ 444,000 | $ 222,000 | $ 105,000 |
| Moore, North Carolina | 2 | $ 447,000 | $ 223,500 | $ 124,000 |
| Wake, North Carolina | 2 | $ 598,000 | $ 299,000 | $ 111,000 |
| Hamilton, Tennessee | 2 | $ 407,000 | $ 203,500 | $ 65,000 |
| Shelby, Tennessee | 2 | $ 305,000 | $ 152,500 | $ 89,000 |
| White, Tennessee | 2 | $ 143,000 | $ 71,500 | $ 104,000 |
| Baldwin, Alabama | 1 | $ 176,000 | $ 176,000 | $ 284,000 |
| Lonoke, Arkansas | 1 | $ 172,000 | $ 172,000 | $ 45,000 |
| Pulaski, Arkansas | 1 | $ 297,000 | $ 297,000 | $ 173,000 |
| Brevard, Florida | 1 | $ 311,000 | $ 311,000 | $ 337,000 |
| Clay, Florida | 1 | $ 363,000 | $ 363,000 | $ 148,000 |
| Collier, Florida | 1 | $ 760,000 | $ 760,000 | $ 887,000 |
| Highlands, Florida | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Palm Beach, Florida | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
| Pinellas, Florida | 1 | $ 308,000 | $ 308,000 | $ 131,000 |
| St. Johns, Florida | 1 | $ 260,000 | $ 260,000 | $ 239,000 |
| Catoosa, Georgia | 1 | $ 132,000 | $ 132,000 | $ 196,000 |
| Chatham, Georgia | 1 | $ 236,000 | $ 236,000 | $ 92,000 |
| Cherokee, Georgia | 1 | $ 238,000 | $ 238,000 | $ 72,000 |
| Crisp, Georgia | 1 | $ 213,000 | $ 213,000 | $ 105,000 |
| Henry, Georgia | 1 | $ 333,000 | $ 333,000 | $ 105,000 |
| Lowndes, Georgia | 1 | $ 116,000 | $ 116,000 | $ 63,000 |
| Polk, Georgia | 1 | $ 234,000 | $ 234,000 | $ 117,000 |
| McHenry, Illinois | 1 | $ 231,000 | $ 231,000 | $ 146,000 |
| Adair, Kentucky | 1 | $ 66,000 | $ 66,000 | $ 79,000 |
| Calloway, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 80,000 |
| Jefferson, Kentucky | 1 | $ 172,000 | $ 172,000 | $ 402,000 |
| Logan, Kentucky | 1 | $ 133,000 | $ 133,000 | $ 36,000 |
| Tangipahoa, Louisiana | 1 | $ 169,000 | $ 169,000 | $ 105,000 |
| Isabella, Michigan | 1 | $ 309,000 | $ 309,000 | $ 95,000 |
| Saginaw, Michigan | 1 | $ 310,000 | $ 310,000 | $ 66,000 |
| DeSoto, Mississippi | 1 | $ 216,000 | $ 216,000 | $ 68,000 |
| Lafayette, Mississippi | 1 | $ 163,000 | $ 163,000 | $ 275,000 |
| Tishomingo, Mississippi | 1 | $ 96,000 | $ 96,000 | $ 114,000 |
| Scott, Missouri | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Sarpy, Nebraska | 1 | $ 100,000 | $ 100,000 | $ 398,000 |
| Hillsborough, New Hampshire | 1 | $ 200,000 | $ 200,000 | $ 34,000 |
| Cumberland, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Durham, North Carolina | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Oklahoma, Oklahoma | 1 | $ 326,000 | $ 326,000 | $ 124,000 |
| Charleston, South Carolina | 1 | $ 397,000 | $ 397,000 | $ 157,000 |
| Bradley, Tennessee | 1 | $ 182,000 | $ 182,000 | $ 81,000 |
| Carroll, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Fentress, Tennessee | 1 | $ 84,000 | $ 84,000 | $ 63,000 |
| Houston, Tennessee | 1 | $ 36,000 | $ 36,000 | $ 47,000 |
| Humphreys, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 152,000 |
| Jackson, Tennessee | 1 | $ 152,000 | $ 152,000 | $ 54,000 |
| Lawrence, Tennessee | 1 | $ 258,000 | $ 258,000 | $ 97,000 |
| McMinn, Tennessee | 1 | $ 290,000 | $ 290,000 | $ 140,000 |
| Overton, Tennessee | 1 | $ 104,000 | $ 104,000 | $ 104,000 |
| Sequatchie, Tennessee | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Bexar, Texas | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Travis, Texas | 1 | $ 127,000 | $ 127,000 | $ 31,000 |
| Bayfield, Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 214,000 |
| Kenosha, Wisconsin | 1 | $ 306,000 | $ 306,000 | $ 154,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2014
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 | 2,510 | $499,978,000 | $199,000 | $1,680,000 | $93,000 | $2,159,000 |
| Refinancing | 648 | $122,376,000 | $188,000 | $1,800,000 | $156,000 | $1,919,000 |
| Home Improvement | 23 | $3,860,000 | $167,000 | $816,000 | $119,000 | $306,000 |
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 | 2,538 | $499,137,000 | $196,000 | $1,280,000 | $113,000 | $2,159,000 |
| Not Provided | 274 | $62,306,000 | $227,000 | $1,088,000 | $103,000 | $947,000 |
| Black or African American | 147 | $25,372,000 | $172,000 | $629,000 | $70,000 | $950,000 |
| Not applicable | 102 | $16,326,000 | $160,000 | $1,800,000 | $0 | $0 |
| Hispanic | 64 | $10,357,000 | $161,000 | $327,000 | $75,000 | $398,000 |
| Asian | 43 | $10,085,000 | $234,000 | $417,000 | $96,000 | $596,000 |
| American Indian or Alaskan Native | 9 | $1,958,000 | $217,000 | $652,000 | $137,000 | $478,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $673,000 | $168,000 | $194,000 | $57,000 | $70,000 |
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) | 2,080 | $425,431,000 | $204,000 | $1,800,000 | $129,000 | $2,159,000 |
| VA-guaranteed (Veterans Administration) | 480 | $100,242,000 | $208,000 | $652,000 | $71,000 | $478,000 |
| FHA-insured (Federal Housing Administration) | 464 | $78,246,000 | $168,000 | $439,000 | $59,000 | $453,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 157 | $22,295,000 | $142,000 | $273,000 | $44,000 | $93,000 |
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 | 2,456 | $497,261,000 | $202,000 | $1,680,000 | $110,000 | $2,159,000 |
| Application Withdrawn By Applicant | 399 | $82,814,000 | $207,000 | $1,800,000 | $89,000 | $778,000 |
| Application Denied By Financial Institution | 282 | $39,569,000 | $140,000 | $700,000 | $79,000 | $1,919,000 |
| Application Approved But Not Accepted | 42 | $5,815,000 | $138,000 | $417,000 | $188,000 | $1,290,000 |
| File Closed For Incompleteness | 2 | $755,000 | $377,000 | $725,000 | $6,000 | $12,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 96 | $11,229,000 | $116,000 | $700,000 | $99,000 | $1,919,000 |
| Credit History | 86 | $10,895,000 | $126,000 | $417,000 | $72,000 | $300,000 |
| Debt-To-Income Ratio | 59 | $10,195,000 | $172,000 | $528,000 | $62,000 | $349,000 |
| Employment History | 13 | $1,823,000 | $140,000 | $225,000 | $40,000 | $65,000 |
| Other | 13 | $2,320,000 | $178,000 | $519,000 | $81,000 | $191,000 |
| Unverifiable Information | 9 | $1,573,000 | $174,000 | $352,000 | $70,000 | $167,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,334,000 | $266,000 | $369,000 | $103,000 | $129,000 |
| Credit Application Incomplete | 1 | $200,000 | $200,000 | $200,000 | $85,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2014 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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with aggregated HMDA statistics today.
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