F&M Bank Mortgage Lending & HMDA Data, 2016
In 2016, F&M Bank of Clarksville, TN reported 3,831 mortgage applications totaling $835.8 million, up 8% from 2015. The average application was for $218,159, and applicants reported an average income of $106,719. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,621), Clarksville, TN-KY (877) and Knoxville, TN (24) (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 | 3,831 |
| Total Mortgage Loan Application Amount | $835,769,000 |
| Average Mortgage Loan Application Amount | $218,159 |
| Highest Mortgage Loan Application Amount | $5,760,000 |
| Average Applicant Income | $106,719 |
| Highest Applicant Income | $2,770,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,145 | $ 265,021,000 | $ 231,459 | $ 111,000 |
| Montgomery, Tennessee | 842 | $ 146,059,000 | $ 173,466 | $ 89,000 |
| Sumner, Tennessee | 400 | $ 88,199,000 | $ 220,497 | $ 96,000 |
| Williamson, Tennessee | 386 | $ 125,673,000 | $ 325,577 | $ 142,000 |
| Rutherford, Tennessee | 243 | $ 57,683,000 | $ 237,378 | $ 91,000 |
| Robertson, Tennessee | 144 | $ 22,633,000 | $ 157,173 | $ 95,000 |
| Wilson, Tennessee | 143 | $ 32,913,000 | $ 230,160 | $ 103,000 |
| Stewart, Tennessee | 60 | $ 5,409,000 | $ 90,150 | $ 108,000 |
| Maury, Tennessee | 52 | $ 10,883,000 | $ 209,288 | $ 75,000 |
| Christian, Kentucky | 33 | $ 4,520,000 | $ 136,969 | $ 169,000 |
| Cheatham, Tennessee | 32 | $ 7,037,000 | $ 219,906 | $ 91,000 |
| Putnam, Tennessee | 32 | $ 4,606,000 | $ 143,937 | $ 57,000 |
| Dickson, Tennessee | 26 | $ 4,052,000 | $ 155,846 | $ 188,000 |
| Smith, Tennessee | 24 | $ 3,040,000 | $ 126,666 | $ 44,000 |
| Knox, Tennessee | 23 | $ 4,667,000 | $ 202,913 | $ 75,000 |
| Bedford, Tennessee | 15 | $ 2,537,000 | $ 169,133 | $ 93,000 |
| Coffee, Tennessee | 10 | $ 1,445,000 | $ 144,500 | $ 49,000 |
| Franklin, Tennessee | 10 | $ 2,107,000 | $ 210,700 | $ 235,000 |
| Marshall, Tennessee | 10 | $ 1,909,000 | $ 190,900 | $ 67,000 |
| Walton, Florida | 9 | $ 3,890,000 | $ 432,222 | $ 559,000 |
| Houston, Tennessee | 9 | $ 1,131,000 | $ 125,666 | $ 79,000 |
| Macon, Tennessee | 8 | $ 1,090,000 | $ 136,250 | $ 59,000 |
| DeKalb, Tennessee | 7 | $ 1,130,000 | $ 161,428 | $ 94,000 |
| Hickman, Tennessee | 7 | $ 1,011,000 | $ 144,428 | $ 58,000 |
| Shelby, Tennessee | 7 | $ 994,000 | $ 142,000 | $ 128,000 |
| Trousdale, Tennessee | 6 | $ 880,000 | $ 146,666 | $ 105,000 |
| Cannon, Tennessee | 5 | $ 1,331,000 | $ 266,200 | $ 87,000 |
| Hamilton, Tennessee | 5 | $ 670,000 | $ 134,000 | $ 203,000 |
| Henry, Tennessee | 5 | $ 391,000 | $ 78,200 | $ 95,000 |
| Paulding, Georgia | 4 | $ 672,000 | $ 168,000 | $ 46,000 |
| Todd, Kentucky | 4 | $ 865,000 | $ 216,250 | $ 278,000 |
| Cobb, Georgia | 3 | $ 770,000 | $ 256,666 | $ 102,000 |
| Jefferson, Kentucky | 3 | $ 760,000 | $ 253,333 | $ 77,000 |
| Logan, Kentucky | 3 | $ 759,000 | $ 253,000 | $ 73,000 |
| Simpson, Kentucky | 3 | $ 696,000 | $ 232,000 | $ 72,000 |
| Wake, North Carolina | 3 | $ 1,256,000 | $ 418,666 | $ 181,000 |
| Madison, Tennessee | 3 | $ 560,000 | $ 186,666 | $ 320,000 |
| Sevier, Tennessee | 3 | $ 643,000 | $ 214,333 | $ 113,000 |
| Van Buren, Tennessee | 3 | $ 592,000 | $ 197,333 | $ 74,000 |
| White, Tennessee | 3 | $ 269,000 | $ 89,666 | $ 51,000 |
| Jefferson, Alabama | 2 | $ 676,000 | $ 338,000 | $ 139,000 |
| Madison, Alabama | 2 | $ 575,000 | $ 287,500 | $ 151,000 |
| Douglas, Colorado | 2 | $ 925,000 | $ 462,500 | $ 188,000 |
| Hillsborough, Florida | 2 | $ 302,000 | $ 151,000 | $ 152,000 |
| Catoosa, Georgia | 2 | $ 368,000 | $ 184,000 | $ 251,000 |
| Walker, Georgia | 2 | $ 187,000 | $ 93,500 | $ 47,000 |
| Allen, Kentucky | 2 | $ 267,000 | $ 133,500 | $ 56,000 |
| Madison, Kentucky | 2 | $ 324,000 | $ 162,000 | $ 150,000 |
| Trigg, Kentucky | 2 | $ 390,000 | $ 195,000 | $ 152,000 |
| Warren, Kentucky | 2 | $ 413,000 | $ 206,500 | $ 65,000 |
| Moore, North Carolina | 2 | $ 554,000 | $ 277,000 | $ 68,000 |
| Hamilton, Ohio | 2 | $ 384,000 | $ 192,000 | $ 105,000 |
| Bradley, Tennessee | 2 | $ 477,000 | $ 238,500 | $ 91,000 |
| Lincoln, Tennessee | 2 | $ 388,000 | $ 194,000 | $ 69,000 |
| Perry, Tennessee | 2 | $ 168,000 | $ 84,000 | $ 79,000 |
| Warren, Tennessee | 2 | $ 484,000 | $ 242,000 | $ 64,000 |
| Baldwin, Alabama | 1 | $ 214,000 | $ 214,000 | $ 80,000 |
| Dale, Alabama | 1 | $ 147,000 | $ 147,000 | $ 48,000 |
| Lee, Alabama | 1 | $ 395,000 | $ 395,000 | $ 118,000 |
| Morgan, Alabama | 1 | $ 100,000 | $ 100,000 | $ 144,000 |
| Winston, Alabama | 1 | $ 300,000 | $ 300,000 | $ 228,000 |
| Pulaski, Arkansas | 1 | $ 251,000 | $ 251,000 | $ 76,000 |
| White, Arkansas | 1 | $ 69,000 | $ 69,000 | $ 174,000 |
| El Paso, Colorado | 1 | $ 213,000 | $ 213,000 | $ 48,000 |
| Bay, Florida | 1 | $ 3,040,000 | $ 3,040,000 | $ 2,566,000 |
| Charlotte, Florida | 1 | $ 180,000 | $ 180,000 | $ 94,000 |
| Lee, Florida | 1 | $ 364,000 | $ 364,000 | $ 150,000 |
| Okaloosa, Florida | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Polk, Florida | 1 | $ 108,000 | $ 108,000 | $ 283,000 |
| St. Lucie, Florida | 1 | $ 181,000 | $ 181,000 | $ 75,000 |
| Colquitt, Georgia | 1 | $ 132,000 | $ 132,000 | $ 73,000 |
| Columbia, Georgia | 1 | $ 307,000 | $ 307,000 | $ 98,000 |
| Coweta, Georgia | 1 | $ 149,000 | $ 149,000 | $ 303,000 |
| Fulton, Georgia | 1 | $ 278,000 | $ 278,000 | $ 116,000 |
| Henry, Georgia | 1 | $ 210,000 | $ 210,000 | $ 115,000 |
| Spalding, Georgia | 1 | $ 417,000 | $ 417,000 | $ 1,131,000 |
| Union, Georgia | 1 | $ 126,000 | $ 126,000 | $ 36,000 |
| Madison, Illinois | 1 | $ 218,000 | $ 218,000 | $ 100,000 |
| Peoria, Illinois | 1 | $ 295,000 | $ 295,000 | $ 104,000 |
| Noble, Indiana | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Tippecanoe, Indiana | 1 | $ 417,000 | $ 417,000 | $ 144,000 |
| Henderson, Kentucky | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Kenton, Kentucky | 1 | $ 263,000 | $ 263,000 | $ 78,000 |
| Lincoln, Kentucky | 1 | $ 86,000 | $ 86,000 | $ 44,000 |
| Lyon, Kentucky | 1 | $ 252,000 | $ 252,000 | $ 234,000 |
| McCracken, Kentucky | 1 | $ 214,000 | $ 214,000 | $ 100,000 |
| DeSoto, Mississippi | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Lafayette, Mississippi | 1 | $ 244,000 | $ 244,000 | $ 175,000 |
| Yazoo, Mississippi | 1 | $ 136,000 | $ 136,000 | $ 38,000 |
| Merrimack, New Hampshire | 1 | $ 152,000 | $ 152,000 | $ 80,000 |
| Middlesex, New Jersey | 1 | $ 163,000 | $ 163,000 | $ 145,000 |
| Buncombe, North Carolina | 1 | $ 139,000 | $ 139,000 | $ 288,000 |
| Durham, North Carolina | 1 | $ 270,000 | $ 270,000 | $ 130,000 |
| Forsyth, North Carolina | 1 | $ 160,000 | $ 160,000 | $ 33,000 |
| Guilford, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Hertford, North Carolina | 1 | $ 331,000 | $ 331,000 | $ 125,000 |
| Pitt, North Carolina | 1 | $ 69,000 | $ 69,000 | $ 360,000 |
| Union, North Carolina | 1 | $ 1,815,000 | $ 1,815,000 | $ 466,000 |
| Cuyahoga, Ohio | 1 | $ 68,000 | $ 68,000 | $ 55,000 |
| Kay, Oklahoma | 1 | $ 223,000 | $ 223,000 | $ 222,000 |
| Oklahoma, Oklahoma | 1 | $ 231,000 | $ 231,000 | $ 64,000 |
| Pottawatomie, Oklahoma | 1 | $ 200,000 | $ 200,000 | $ 80,000 |
| Deschutes, Oregon | 1 | $ 177,000 | $ 177,000 | $ 149,000 |
| Lane, Oregon | 1 | $ 206,000 | $ 206,000 | $ 58,000 |
| Beaufort, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 105,000 |
| Greenville, South Carolina | 1 | $ 170,000 | $ 170,000 | $ 216,000 |
| Brown, South Dakota | 1 | $ 240,000 | $ 240,000 | $ 97,000 |
| Blount, Tennessee | 1 | $ 294,000 | $ 294,000 | $ 187,000 |
| Cumberland, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
| Dyer, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 61,000 |
| Fentress, Tennessee | 1 | $ 151,000 | $ 151,000 | $ 61,000 |
| Gibson, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Grundy, Tennessee | 1 | $ 129,000 | $ 129,000 | $ 26,000 |
| Hardin, Tennessee | 1 | $ 204,000 | $ 204,000 | $ 47,000 |
| Humphreys, Tennessee | 1 | $ 132,000 | $ 132,000 | $ 32,000 |
| Lewis, Tennessee | 1 | $ 109,000 | $ 109,000 | $ 28,000 |
| McMinn, Tennessee | 1 | $ 167,000 | $ 167,000 | $ 100,000 |
| Overton, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Pickett, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Lampasas, Texas | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Williamson, Texas | 1 | $ 284,000 | $ 284,000 | $ 108,000 |
| Thurston, Washington | 1 | $ 408,000 | $ 408,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2016
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 | 2,755 | $607,131,000 | $220,000 | $5,760,000 | $99,000 | $2,770,000 |
| Refinancing | 1,050 | $225,069,000 | $214,000 | $5,240,000 | $126,000 | $2,770,000 |
| Home Improvement | 26 | $3,569,000 | $137,000 | $750,000 | $146,000 | $667,000 |
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 | 2,974 | $647,307,000 | $217,000 | $3,040,000 | $116,000 | $2,770,000 |
| Not Provided | 260 | $65,440,000 | $251,000 | $960,000 | $118,000 | $737,000 |
| Not applicable | 202 | $42,425,000 | $210,000 | $5,760,000 | $0 | $0 |
| Black or African American | 173 | $34,924,000 | $201,000 | $653,000 | $76,000 | $488,000 |
| Hispanic | 108 | $20,846,000 | $193,000 | $417,000 | $74,000 | $281,000 |
| Asian | 91 | $20,525,000 | $225,000 | $1,022,000 | $103,000 | $293,000 |
| American Indian or Alaskan Native | 12 | $2,699,000 | $224,000 | $417,000 | $85,000 | $198,000 |
| Native Hawaiin or Other Pacific Islander | 11 | $1,603,000 | $145,000 | $371,000 | $105,000 | $248,000 |
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) | 2,639 | $589,105,000 | $223,000 | $5,760,000 | $124,000 | $2,770,000 |
| FHA-insured (Federal Housing Administration) | 608 | $119,138,000 | $195,000 | $466,000 | $66,000 | $453,000 |
| VA-guaranteed (Veterans Administration) | 492 | $113,486,000 | $230,000 | $886,000 | $76,000 | $578,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 92 | $14,040,000 | $152,000 | $280,000 | $48,000 | $82,000 |
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 | 3,147 | $691,394,000 | $219,000 | $5,760,000 | $109,000 | $2,770,000 |
| Application Withdrawn By Applicant | 416 | $100,832,000 | $242,000 | $3,040,000 | $120,000 | $2,566,000 |
| Application Denied By Financial Institution | 236 | $35,547,000 | $150,000 | $960,000 | $47,000 | $366,000 |
| Application Approved But Not Accepted | 28 | $6,453,000 | $230,000 | $1,798,000 | $143,000 | $1,483,000 |
| File Closed For Incompleteness | 4 | $1,543,000 | $385,000 | $1,022,000 | $154,000 | $224,000 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2016 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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