F&M Bank Mortgage Lending & HMDA Data, 2017
In 2017, F&M Bank of Clarksville, TN reported 3,375 mortgage applications totaling $788.0 million, down 12% from 2016. The average application was for $233,485, and applicants reported an average income of $106,559. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,321), Clarksville, TN-KY (754) and Chattanooga, TN-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 | 3,375 |
| Total Mortgage Loan Application Amount | $788,013,000 |
| Average Mortgage Loan Application Amount | $233,485 |
| Highest Mortgage Loan Application Amount | $2,693,000 |
| Average Applicant Income | $106,559 |
| Highest Applicant Income | $2,703,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 900 | $ 245,835,000 | $ 273,150 | $ 116,000 |
| Montgomery, Tennessee | 727 | $ 132,309,000 | $ 181,993 | $ 98,000 |
| Sumner, Tennessee | 375 | $ 89,432,000 | $ 238,485 | $ 101,000 |
| Williamson, Tennessee | 353 | $ 119,834,000 | $ 339,473 | $ 142,000 |
| Rutherford, Tennessee | 208 | $ 44,036,000 | $ 211,711 | $ 76,000 |
| Robertson, Tennessee | 189 | $ 34,333,000 | $ 181,656 | $ 75,000 |
| Wilson, Tennessee | 126 | $ 31,603,000 | $ 250,817 | $ 90,000 |
| Stewart, Tennessee | 74 | $ 10,413,000 | $ 140,716 | $ 78,000 |
| Maury, Tennessee | 56 | $ 10,790,000 | $ 192,678 | $ 74,000 |
| Cheatham, Tennessee | 37 | $ 7,737,000 | $ 209,108 | $ 83,000 |
| Smith, Tennessee | 37 | $ 3,023,000 | $ 81,702 | $ 29,000 |
| Christian, Kentucky | 26 | $ 4,520,000 | $ 173,846 | $ 322,000 |
| Dickson, Tennessee | 23 | $ 5,282,000 | $ 229,652 | $ 103,000 |
| Putnam, Tennessee | 19 | $ 3,002,000 | $ 158,000 | $ 95,000 |
| Marshall, Tennessee | 13 | $ 2,236,000 | $ 172,000 | $ 89,000 |
| Hamilton, Tennessee | 11 | $ 2,234,000 | $ 203,090 | $ 159,000 |
| Bedford, Tennessee | 10 | $ 1,340,000 | $ 134,000 | $ 67,000 |
| Houston, Tennessee | 10 | $ 1,773,000 | $ 177,300 | $ 83,000 |
| Shelby, Tennessee | 10 | $ 1,736,000 | $ 173,600 | $ 117,000 |
| Knox, Tennessee | 9 | $ 1,268,000 | $ 140,888 | $ 101,000 |
| Sevier, Tennessee | 9 | $ 1,077,000 | $ 119,666 | $ 307,000 |
| Coffee, Tennessee | 7 | $ 1,511,000 | $ 215,857 | $ 98,000 |
| Trousdale, Tennessee | 6 | $ 1,059,000 | $ 176,500 | $ 69,000 |
| Walton, Florida | 5 | $ 3,094,000 | $ 618,800 | $ 572,000 |
| Henry, Tennessee | 5 | $ 444,000 | $ 88,800 | $ 260,000 |
| Hickman, Tennessee | 5 | $ 878,000 | $ 175,600 | $ 72,000 |
| Fulton, Georgia | 4 | $ 1,104,000 | $ 276,000 | $ 167,000 |
| Logan, Kentucky | 4 | $ 491,000 | $ 122,750 | $ 57,000 |
| DeKalb, Tennessee | 4 | $ 715,000 | $ 178,750 | $ 140,000 |
| Giles, Tennessee | 4 | $ 818,000 | $ 204,500 | $ 74,000 |
| Macon, Tennessee | 4 | $ 494,000 | $ 123,500 | $ 25,000 |
| Overton, Tennessee | 4 | $ 476,000 | $ 119,000 | $ 33,000 |
| Simpson, Kentucky | 3 | $ 294,000 | $ 98,000 | $ 31,000 |
| Franklin, Tennessee | 3 | $ 595,000 | $ 198,333 | $ 183,000 |
| Hardin, Tennessee | 3 | $ 388,000 | $ 129,333 | $ 90,000 |
| Lincoln, Tennessee | 3 | $ 303,000 | $ 101,000 | $ 40,000 |
| Lauderdale, Alabama | 2 | $ 526,000 | $ 263,000 | $ 107,000 |
| Mobile, Alabama | 2 | $ 247,000 | $ 123,500 | $ 165,000 |
| Palm Beach, Florida | 2 | $ 674,000 | $ 337,000 | $ 210,000 |
| Cobb, Georgia | 2 | $ 343,000 | $ 171,500 | $ 123,000 |
| Walker, Georgia | 2 | $ 347,000 | $ 173,500 | $ 71,000 |
| Johnson, Kansas | 2 | $ 525,000 | $ 262,500 | $ 85,000 |
| Calloway, Kentucky | 2 | $ 310,000 | $ 155,000 | $ 69,000 |
| Todd, Kentucky | 2 | $ 392,000 | $ 196,000 | $ 55,000 |
| Warren, Kentucky | 2 | $ 314,000 | $ 157,000 | $ 30,000 |
| DeSoto, Mississippi | 2 | $ 548,000 | $ 274,000 | $ 80,000 |
| Beaufort, South Carolina | 2 | $ 332,000 | $ 166,000 | $ 54,000 |
| Cannon, Tennessee | 2 | $ 446,000 | $ 223,000 | $ 68,000 |
| Hamblen, Tennessee | 2 | $ 283,000 | $ 141,500 | $ 34,000 |
| Lawrence, Tennessee | 2 | $ 280,000 | $ 140,000 | $ 49,000 |
| Madison, Tennessee | 2 | $ 1,648,000 | $ 824,000 | $ 104,000 |
| Marion, Tennessee | 2 | $ 324,000 | $ 162,000 | $ 106,000 |
| Warren, Tennessee | 2 | $ 504,000 | $ 252,000 | $ 82,000 |
| White, Tennessee | 2 | $ 386,000 | $ 193,000 | $ 84,000 |
| Baldwin, Alabama | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Covington, Alabama | 1 | $ 230,000 | $ 230,000 | $ 70,000 |
| Jefferson, Alabama | 1 | $ 288,000 | $ 288,000 | $ 97,000 |
| Madison, Alabama | 1 | $ 284,000 | $ 284,000 | $ 50,000 |
| Clay, Arkansas | 1 | $ 192,000 | $ 192,000 | $ 89,000 |
| Baker, Florida | 1 | $ 198,000 | $ 198,000 | $ 46,000 |
| Bay, Florida | 1 | $ 221,000 | $ 221,000 | $ 106,000 |
| Clay, Florida | 1 | $ 699,000 | $ 699,000 | $ 138,000 |
| Highlands, Florida | 1 | $ 127,000 | $ 127,000 | $ 89,000 |
| Manatee, Florida | 1 | $ 300,000 | $ 300,000 | $ 376,000 |
| Orange, Florida | 1 | $ 251,000 | $ 251,000 | $ 110,000 |
| Pasco, Florida | 1 | $ 92,000 | $ 92,000 | $ 497,000 |
| Bartow, Georgia | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Clarke, Georgia | 1 | $ 299,000 | $ 299,000 | $ 55,000 |
| Crisp, Georgia | 1 | $ 252,000 | $ 252,000 | $ 348,000 |
| DeKalb, Georgia | 1 | $ 131,000 | $ 131,000 | $ 89,000 |
| Douglas, Georgia | 1 | $ 157,000 | $ 157,000 | $ 30,000 |
| Fannin, Georgia | 1 | $ 149,000 | $ 149,000 | $ 216,000 |
| Paulding, Georgia | 1 | $ 172,000 | $ 172,000 | $ 30,000 |
| Marion, Indiana | 1 | $ 122,000 | $ 122,000 | $ 68,000 |
| Fayette, Kentucky | 1 | $ 424,000 | $ 424,000 | $ 655,000 |
| Jefferson, Kentucky | 1 | $ 668,000 | $ 668,000 | $ 306,000 |
| Kenton, Kentucky | 1 | $ 257,000 | $ 257,000 | $ 103,000 |
| McCracken, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 187,000 |
| Muhlenberg, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Trigg, Kentucky | 1 | $ 300,000 | $ 300,000 | $ 82,000 |
| Waldo, Maine | 1 | $ 320,000 | $ 320,000 | $ 209,000 |
| Anne Arundel, Maryland | 1 | $ 425,000 | $ 425,000 | $ 131,000 |
| Tishomingo, Mississippi | 1 | $ 117,000 | $ 117,000 | $ 156,000 |
| Cascade, Montana | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Santa Fe, New Mexico | 1 | $ 368,000 | $ 368,000 | $ 120,000 |
| Buncombe, North Carolina | 1 | $ 415,000 | $ 415,000 | $ 233,000 |
| Iredell, North Carolina | 1 | $ 424,000 | $ 424,000 | $ 245,000 |
| Macon, North Carolina | 1 | $ 716,000 | $ 716,000 | $ 375,000 |
| Mecklenburg, North Carolina | 1 | $ 158,000 | $ 158,000 | $ 145,000 |
| Moore, North Carolina | 1 | $ 380,000 | $ 380,000 | $ 128,000 |
| Clermont, Ohio | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Stark, Ohio | 1 | $ 290,000 | $ 290,000 | $ 69,000 |
| Greenville, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 450,000 |
| Lancaster, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 58,000 |
| Spartanburg, South Carolina | 1 | $ 360,000 | $ 360,000 | $ 335,000 |
| Bradley, Tennessee | 1 | $ 176,000 | $ 176,000 | $ 89,000 |
| Crockett, Tennessee | 1 | $ 138,000 | $ 138,000 | $ 46,000 |
| Cumberland, Tennessee | 1 | $ 172,000 | $ 172,000 | $ 46,000 |
| Fentress, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 105,000 |
| Jackson, Tennessee | 1 | $ 76,000 | $ 76,000 | $ 31,000 |
| McMinn, Tennessee | 1 | $ 131,000 | $ 131,000 | $ 70,000 |
| Rhea, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 10,000 |
| Collin, Texas | 1 | $ 287,000 | $ 287,000 | $ 110,000 |
| Gillespie, Texas | 1 | $ 138,000 | $ 138,000 | $ 364,000 |
| Salt Lake, Utah | 1 | $ 296,000 | $ 296,000 | $ 130,000 |
| Lynchburg, Virginia | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Spokane, Washington | 1 | $ 293,000 | $ 293,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2017
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 | 2,725 | $645,384,000 | $236,000 | $2,693,000 | $106,000 | $2,703,000 |
| Refinancing | 629 | $137,346,000 | $218,000 | $1,810,000 | $107,000 | $1,501,000 |
| Home Improvement | 21 | $5,283,000 | $251,000 | $1,050,000 | $166,000 | $638,000 |
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 | 2,715 | $635,098,000 | $233,000 | $1,520,000 | $112,000 | $2,703,000 |
| Black or African American | 198 | $37,627,000 | $190,000 | $445,000 | $80,000 | $450,000 |
| Not Provided | 194 | $53,298,000 | $274,000 | $965,000 | $136,000 | $1,501,000 |
| Not applicable | 85 | $18,677,000 | $219,000 | $2,693,000 | $0 | $0 |
| Asian | 82 | $21,968,000 | $267,000 | $1,125,000 | $100,000 | $372,000 |
| Hispanic | 76 | $15,605,000 | $205,000 | $536,000 | $69,000 | $336,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,809,000 | $200,000 | $352,000 | $69,000 | $142,000 |
| American Indian or Alaskan Native | 11 | $2,931,000 | $266,000 | $540,000 | $90,000 | $232,000 |
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) | 2,317 | $561,129,000 | $242,000 | $2,693,000 | $122,000 | $2,703,000 |
| FHA-insured (Federal Housing Administration) | 556 | $114,786,000 | $206,000 | $475,000 | $70,000 | $507,000 |
| VA-guaranteed (Veterans Administration) | 413 | $96,311,000 | $233,000 | $732,000 | $81,000 | $609,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $15,787,000 | $177,000 | $333,000 | $51,000 | $95,000 |
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 | 2,694 | $628,511,000 | $233,000 | $2,693,000 | $108,000 | $2,703,000 |
| Application Withdrawn By Applicant | 492 | $122,360,000 | $248,000 | $1,100,000 | $109,000 | $1,501,000 |
| Application Denied By Financial Institution | 154 | $30,356,000 | $197,000 | $1,520,000 | $70,000 | $478,000 |
| Application Approved But Not Accepted | 26 | $4,540,000 | $174,000 | $1,360,000 | $208,000 | $1,154,000 |
| File Closed For Incompleteness | 5 | $1,688,000 | $337,000 | $958,000 | $59,000 | $296,000 |
| Loan Purchased By The Institution | 4 | $558,000 | $139,000 | $193,000 | $39,000 | $48,000 |
| 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 2017 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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