F&M Bank Mortgage Lending & HMDA Data, 2015
In 2015, F&M Bank of Clarksville, TN reported 3,550 mortgage applications totaling $765.7 million, up 12% from 2014. The average application was for $215,687, and applicants reported an average income of $99,123. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,537), Clarksville, TN-KY (786) and Atlanta-Sandy Springs-Roswell, GA (15) (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 | 3,550 |
| Total Mortgage Loan Application Amount | $765,689,000 |
| Average Mortgage Loan Application Amount | $215,687 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $99,123 |
| Highest Applicant Income | $2,777,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,033 | $ 239,339,000 | $ 231,693 | $ 105,000 |
| Montgomery, Tennessee | 759 | $ 133,912,000 | $ 176,432 | $ 94,000 |
| Williamson, Tennessee | 533 | $ 163,717,000 | $ 307,161 | $ 130,000 |
| Sumner, Tennessee | 368 | $ 78,000,000 | $ 211,956 | $ 85,000 |
| Rutherford, Tennessee | 214 | $ 37,959,000 | $ 177,378 | $ 77,000 |
| Robertson, Tennessee | 116 | $ 19,628,000 | $ 169,206 | $ 89,000 |
| Wilson, Tennessee | 99 | $ 20,895,000 | $ 211,060 | $ 72,000 |
| Maury, Tennessee | 65 | $ 12,826,000 | $ 197,323 | $ 82,000 |
| Stewart, Tennessee | 59 | $ 5,896,000 | $ 99,932 | $ 64,000 |
| Cheatham, Tennessee | 45 | $ 7,960,000 | $ 176,888 | $ 72,000 |
| Putnam, Tennessee | 25 | $ 3,699,000 | $ 147,960 | $ 68,000 |
| Christian, Kentucky | 22 | $ 2,387,000 | $ 108,500 | $ 242,000 |
| Dickson, Tennessee | 20 | $ 3,183,000 | $ 159,150 | $ 70,000 |
| Smith, Tennessee | 17 | $ 1,827,000 | $ 107,470 | $ 39,000 |
| Macon, Tennessee | 10 | $ 1,526,000 | $ 152,600 | $ 60,000 |
| Hickman, Tennessee | 8 | $ 1,229,000 | $ 153,625 | $ 55,000 |
| Coffee, Tennessee | 7 | $ 1,138,000 | $ 162,571 | $ 64,000 |
| DeKalb, Tennessee | 7 | $ 979,000 | $ 139,857 | $ 51,000 |
| Houston, Tennessee | 7 | $ 653,000 | $ 93,285 | $ 56,000 |
| Paulding, Georgia | 6 | $ 917,000 | $ 152,833 | $ 71,000 |
| Trigg, Kentucky | 5 | $ 1,054,000 | $ 210,800 | $ 111,000 |
| Knox, Tennessee | 5 | $ 1,454,000 | $ 290,800 | $ 85,000 |
| Trousdale, Tennessee | 5 | $ 810,000 | $ 162,000 | $ 57,000 |
| Fannin, Georgia | 4 | $ 1,008,000 | $ 252,000 | $ 75,000 |
| Todd, Kentucky | 4 | $ 806,000 | $ 201,500 | $ 93,000 |
| Bedford, Tennessee | 4 | $ 768,000 | $ 192,000 | $ 80,000 |
| Cannon, Tennessee | 4 | $ 865,000 | $ 216,250 | $ 77,000 |
| Hamilton, Tennessee | 4 | $ 534,000 | $ 133,500 | $ 88,000 |
| Marshall, Tennessee | 4 | $ 659,000 | $ 164,750 | $ 52,000 |
| Warren, Tennessee | 4 | $ 666,000 | $ 166,500 | $ 216,000 |
| Jefferson, Alabama | 3 | $ 808,000 | $ 269,333 | $ 65,000 |
| DeKalb, Georgia | 3 | $ 456,000 | $ 152,000 | $ 73,000 |
| Humphreys, Tennessee | 3 | $ 436,000 | $ 145,333 | $ 85,000 |
| Shelby, Tennessee | 3 | $ 557,000 | $ 185,666 | $ 128,000 |
| Pulaski, Arkansas | 2 | $ 449,000 | $ 224,500 | $ 113,000 |
| Walton, Florida | 2 | $ 694,000 | $ 347,000 | $ 216,000 |
| Forsyth, Georgia | 2 | $ 493,000 | $ 246,500 | $ 92,000 |
| Fayette, Kentucky | 2 | $ 506,000 | $ 253,000 | $ 202,000 |
| Hamilton, Ohio | 2 | $ 323,000 | $ 161,500 | $ 87,000 |
| Washington, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 117,000 |
| White, Tennessee | 2 | $ 165,000 | $ 82,500 | $ 61,000 |
| Tarrant, Texas | 2 | $ 584,000 | $ 292,000 | $ 90,000 |
| Dale, Alabama | 1 | $ 146,000 | $ 146,000 | $ 86,000 |
| Lauderdale, Alabama | 1 | $ 370,000 | $ 370,000 | $ 80,000 |
| Montgomery, Alabama | 1 | $ 238,000 | $ 238,000 | $ 62,000 |
| Broomfield, Colorado | 1 | $ 376,000 | $ 376,000 | $ 158,000 |
| Denver, Colorado | 1 | $ 515,000 | $ 515,000 | $ 215,000 |
| Collier, Florida | 1 | $ 504,000 | $ 504,000 | $ 1,053,000 |
| Lee, Florida | 1 | $ 246,000 | $ 246,000 | $ 130,000 |
| Manatee, Florida | 1 | $ 1,390,000 | $ 1,390,000 | $ 855,000 |
| Okaloosa, Florida | 1 | $ 239,000 | $ 239,000 | $ 92,000 |
| Orange, Florida | 1 | $ 222,000 | $ 222,000 | $ 72,000 |
| Pasco, Florida | 1 | $ 110,000 | $ 110,000 | $ 89,000 |
| Seminole, Florida | 1 | $ 159,000 | $ 159,000 | $ 107,000 |
| Volusia, Florida | 1 | $ 156,000 | $ 156,000 | $ 116,000 |
| Catoosa, Georgia | 1 | $ 214,000 | $ 214,000 | $ 112,000 |
| Cobb, Georgia | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Columbia, Georgia | 1 | $ 149,000 | $ 149,000 | $ 59,000 |
| Dade, Georgia | 1 | $ 234,000 | $ 234,000 | $ 117,000 |
| Fulton, Georgia | 1 | $ 417,000 | $ 417,000 | $ 208,000 |
| Gilmer, Georgia | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Haralson, Georgia | 1 | $ 167,000 | $ 167,000 | $ 94,000 |
| Henry, Georgia | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Lowndes, Georgia | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Muscogee, Georgia | 1 | $ 115,000 | $ 115,000 | $ 104,000 |
| Polk, Georgia | 1 | $ 109,000 | $ 109,000 | $ 52,000 |
| Calloway, Kentucky | 1 | $ 230,000 | $ 230,000 | $ 103,000 |
| Jefferson, Kentucky | 1 | $ 296,000 | $ 296,000 | $ 130,000 |
| Logan, Kentucky | 1 | $ 186,000 | $ 186,000 | $ 68,000 |
| Warren, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 33,000 |
| Jefferson, Louisiana | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| Midland, Michigan | 1 | $ 277,000 | $ 277,000 | $ 95,000 |
| Saginaw, Michigan | 1 | $ 307,000 | $ 307,000 | $ 74,000 |
| Rankin, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| St. Louis City, Missouri | 1 | $ 187,000 | $ 187,000 | $ 103,000 |
| Buncombe, North Carolina | 1 | $ 272,000 | $ 272,000 | $ 74,000 |
| Gaston, North Carolina | 1 | $ 61,000 | $ 61,000 | $ 23,000 |
| Guilford, North Carolina | 1 | $ 298,000 | $ 298,000 | $ 120,000 |
| Hoke, North Carolina | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Moore, North Carolina | 1 | $ 320,000 | $ 320,000 | $ 107,000 |
| Wake, North Carolina | 1 | $ 228,000 | $ 228,000 | $ 62,000 |
| Oklahoma, Oklahoma | 1 | $ 148,000 | $ 148,000 | $ 83,000 |
| Beaufort, South Carolina | 1 | $ 301,000 | $ 301,000 | $ 81,000 |
| Charleston, South Carolina | 1 | $ 371,000 | $ 371,000 | $ 113,000 |
| Greenville, South Carolina | 1 | $ 261,000 | $ 261,000 | $ 146,000 |
| Anderson, Tennessee | 1 | $ 133,000 | $ 133,000 | $ 65,000 |
| Blount, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Decatur, Tennessee | 1 | $ 166,000 | $ 166,000 | $ 291,000 |
| Franklin, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 217,000 |
| Giles, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 46,000 |
| Grundy, Tennessee | 1 | $ 51,000 | $ 51,000 | $ 123,000 |
| Haywood, Tennessee | 1 | $ 161,000 | $ 161,000 | $ 82,000 |
| Jackson, Tennessee | 1 | $ 297,000 | $ 297,000 | $ 92,000 |
| Lawrence, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Loudon, Tennessee | 1 | $ 156,000 | $ 156,000 | $ 38,000 |
| Madison, Tennessee | 1 | $ 190,000 | $ 190,000 | $ 127,000 |
| Overton, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Sevier, Tennessee | 1 | $ 360,000 | $ 360,000 | $ 117,000 |
| Sullivan, Tennessee | 1 | $ 79,000 | $ 79,000 | $ 180,000 |
| Bexar, Texas | 1 | $ 158,000 | $ 158,000 | $ 67,000 |
| New Kent, Virginia | 1 | $ 343,000 | $ 343,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2015
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 | 2,581 | $546,863,000 | $211,000 | $1,440,000 | $95,000 | $2,777,000 |
| Refinancing | 940 | $216,103,000 | $229,000 | $4,500,000 | $109,000 | $1,521,000 |
| Home Improvement | 29 | $2,723,000 | $93,000 | $335,000 | $146,000 | $680,000 |
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 | 2,866 | $610,543,000 | $213,000 | $2,700,000 | $104,000 | $2,777,000 |
| Not Provided | 314 | $80,105,000 | $255,000 | $1,224,000 | $102,000 | $1,050,000 |
| Black or African American | 130 | $22,940,000 | $176,000 | $446,000 | $66,000 | $283,000 |
| Hispanic | 81 | $16,209,000 | $200,000 | $725,000 | $79,000 | $296,000 |
| Not applicable | 81 | $18,897,000 | $233,000 | $4,500,000 | $0 | $0 |
| Asian | 60 | $13,610,000 | $226,000 | $417,000 | $112,000 | $677,000 |
| American Indian or Alaskan Native | 9 | $1,618,000 | $179,000 | $328,000 | $55,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,767,000 | $196,000 | $391,000 | $54,000 | $100,000 |
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) | 2,316 | $530,064,000 | $228,000 | $4,500,000 | $119,000 | $2,777,000 |
| FHA-insured (Federal Housing Administration) | 642 | $119,814,000 | $186,000 | $446,000 | $61,000 | $279,000 |
| VA-guaranteed (Veterans Administration) | 480 | $98,246,000 | $204,000 | $527,000 | $67,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 112 | $17,565,000 | $156,000 | $332,000 | $49,000 | $83,000 |
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 | 2,916 | $638,950,000 | $219,000 | $4,500,000 | $101,000 | $2,777,000 |
| Application Withdrawn By Applicant | 424 | $91,549,000 | $215,000 | $2,700,000 | $103,000 | $2,691,000 |
| Application Denied By Financial Institution | 177 | $30,109,000 | $170,000 | $688,000 | $60,000 | $451,000 |
| Application Approved But Not Accepted | 32 | $5,021,000 | $156,000 | $464,000 | $106,000 | $274,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $65,000 | $65,000 |
| 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 | 53 | $7,906,000 | $149,000 | $523,000 | $71,000 | $451,000 |
| Debt-To-Income Ratio | 50 | $10,601,000 | $212,000 | $545,000 | $45,000 | $268,000 |
| Collateral | 34 | $5,154,000 | $151,000 | $417,000 | $64,000 | $180,000 |
| Other | 15 | $2,288,000 | $152,000 | $417,000 | $69,000 | $209,000 |
| Employment History | 15 | $1,649,000 | $109,000 | $320,000 | $35,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,958,000 | $244,000 | $688,000 | $75,000 | $155,000 |
| Unverifiable Information | 2 | $553,000 | $276,000 | $333,000 | $130,000 | $156,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2015 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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