F&M Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
F&M Bank 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | F&M Bank 50 Franklin St Clarksville, TN 37040 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 2,952 |
| Total Mortgage Loan Application Amount | $733,420,000 |
| Average Mortgage Loan Application Amount | $190,833 |
| Highest Mortgage Loan Application Amount | $8,005,000 |
| Average Applicant Income | $106,666 |
| Highest Applicant Income | $4,755,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with F&M Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing F&M Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down F&M Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how F&M Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by F&M Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at F&M Bank's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Tennessee | 773 | $ 175,605,000 | $ 227,000 | $ 120,000 |
| Davidson County Tennessee | 753 | $ 203,645,000 | $ 270,000 | $ 120,000 |
| Sumner County Tennessee | 330 | $ 84,440,000 | $ 255,000 | $ 93,000 |
| Williamson County Tennessee | 252 | $ 89,790,000 | $ 356,000 | $ 147,000 |
| Rutherford County Tennessee | 197 | $ 44,945,000 | $ 228,000 | $ 86,000 |
| Robertson County Tennessee | 148 | $ 29,830,000 | $ 201,000 | $ 89,000 |
| Wilson County Tennessee | 84 | $ 23,090,000 | $ 274,000 | $ 248,000 |
| Stewart County Tennessee | 65 | $ 8,475,000 | $ 130,000 | $ 104,000 |
| Maury County Tennessee | 52 | $ 10,620,000 | $ 204,000 | $ 73,000 |
| Cheatham County Tennessee | 43 | $ 10,245,000 | $ 238,000 | $ 98,000 |
| Christian County Kentucky | 34 | $ 4,320,000 | $ 127,000 | $ 125,000 |
| Dickson County Tennessee | 18 | $ 3,640,000 | $ 202,000 | $ 70,000 |
| Putnam County Tennessee | 14 | $ 2,680,000 | $ 191,000 | $ 77,000 |
| Smith County Tennessee | 12 | $ 2,330,000 | $ 194,000 | $ 71,000 |
| Bedford County Tennessee | 11 | $ 2,385,000 | $ 216,000 | $ 61,000 |
| Marshall County Tennessee | 10 | $ 2,020,000 | $ 202,000 | $ 74,000 |
| Coffee County Tennessee | 9 | $ 1,985,000 | $ 220,000 | $ 70,000 |
| Knox County Tennessee | 9 | $ 2,025,000 | $ 225,000 | $ 117,000 |
| Humphreys County Tennessee | 8 | $ 1,090,000 | $ 136,000 | $ 84,000 |
| Hamilton County Tennessee | 7 | $ 1,425,000 | $ 203,000 | $ 111,000 |
| Logan County Kentucky | 6 | $ 1,020,000 | $ 170,000 | $ 70,000 |
| Warren County Kentucky | 6 | $ 1,470,000 | $ 245,000 | $ 117,000 |
| Franklin County Tennessee | 6 | $ 1,380,000 | $ 230,000 | $ 135,000 |
| Houston County Tennessee | 5 | $ 765,000 | $ 153,000 | $ 73,000 |
| Macon County Tennessee | 5 | $ 775,000 | $ 155,000 | $ 44,000 |
| Benton County Arkansas | 4 | $ 950,000 | $ 237,000 | $ 130,000 |
| DeKalb County Tennessee | 4 | $ 760,000 | $ 190,000 | $ 112,000 |
| Walton County Florida | 3 | $ 1,925,000 | $ 641,000 | $ 568,000 |
| Sevier County Tennessee | 3 | $ 895,000 | $ 298,000 | $ 144,000 |
| Shelby County Tennessee | 3 | $ 595,000 | $ 198,000 | $ 78,000 |
| Trousdale County Tennessee | 3 | $ 705,000 | $ 235,000 | $ 89,000 |
| Limestone County Alabama | 2 | $ 250,000 | $ 125,000 | $ 104,000 |
| Shelby County Alabama | 2 | $ 400,000 | $ 200,000 | $ 48,000 |
| Collier County Florida | 2 | $ 940,000 | $ 470,000 | $ 260,000 |
| Duval County Florida | 2 | $ 490,000 | $ 245,000 | $ 136,000 |
| Guilford County North Carolina | 2 | $ 750,000 | $ 375,000 | $ 134,000 |
| Benton County Tennessee | 2 | $ 270,000 | $ 135,000 | $ 90,000 |
| Fentress County Tennessee | 2 | $ 480,000 | $ 240,000 | $ 86,000 |
| Henry County Tennessee | 2 | $ 300,000 | $ 150,000 | $ 88,000 |
| Hickman County Tennessee | 2 | $ 640,000 | $ 320,000 | $ 86,000 |
| Lawrence County Tennessee | 2 | $ 280,000 | $ 140,000 | $ 50,000 |
| Lincoln County Tennessee | 2 | $ 320,000 | $ 160,000 | $ 62,000 |
| Overton County Tennessee | 2 | $ 580,000 | $ 290,000 | $ 109,000 |
| Warren County Tennessee | 2 | $ 330,000 | $ 165,000 | $ 54,000 |
| Lauderdale County Alabama | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Marshall County Alabama | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Montgomery County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pima County Arizona | 1 | $ 255,000 | $ 255,000 | $ 175,000 |
| Adams County Colorado | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Hartford County Connecticut | 1 | $ 365,000 | $ 365,000 | $ 458,000 |
| New Castle County Delaware | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Lee County Florida | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Leon County Florida | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Manatee County Florida | 1 | $ 305,000 | $ 305,000 | $ 114,000 |
| Santa Rosa County Florida | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Volusia County Florida | 1 | $ 175,000 | $ 175,000 | $ 289,000 |
| Catoosa County Georgia | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Columbia County Georgia | 1 | $ 225,000 | $ 225,000 | $ 37,000 |
| Muscogee County Georgia | 1 | $ 365,000 | $ 365,000 | $ 154,000 |
| Tazewell County Illinois | 1 | $ 255,000 | $ 255,000 | $ 112,000 |
| Calloway County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Daviess County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 166,000 |
| Jefferson County Kentucky | 1 | $ 375,000 | $ 375,000 | $ 70,000 |
| Muhlenberg County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Simpson County Kentucky | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Todd County Kentucky | 1 | $ 505,000 | $ 505,000 | $ 26,000 |
| Baltimore City County Maryland | 1 | $ 315,000 | $ 315,000 | $ 85,000 |
| Haywood County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Jackson County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 156,000 |
| Mecklenburg County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 259,000 |
| Moore County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 67,000 |
| Randolph County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 154,000 |
| Wake County North Carolina | 1 | $ 595,000 | $ 595,000 | $ 193,000 |
| Carroll County Ohio | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Clermont County Ohio | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Hamilton County Ohio | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Montgomery County Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 184,000 |
| Charleston County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
| Lancaster County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Anderson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Cannon County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Chester County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 65,000 |
| Clay County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 231,000 |
| Gibson County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Giles County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Jackson County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Jefferson County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Obion County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Rhea County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 186,000 |
| Van Buren County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 173,000 |
| Denton County Texas | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Fairfax County Virginia | 1 | $ 405,000 | $ 405,000 | $ 107,000 |
| Pierce County Washington | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2018
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 | 2,485 | $627,015,000 | $252,000 | $8,005,000 | $107,000 | $3,268,000 |
| Refinancing | 231 | $53,605,000 | $232,000 | $1,385,000 | $225,000 | $4,755,000 |
| Cash-out Refinancing | 201 | $46,215,000 | $229,000 | $845,000 | $110,000 | $665,000 |
| Home Improvement | 24 | $5,490,000 | $228,000 | $1,405,000 | $157,000 | $439,000 |
| Not Applicable | 10 | $990,000 | $99,000 | $115,000 | $0 | $0 |
| Other Purpose | 1 | $105,000 | $105,000 | $105,000 | $41,000 | $41,000 |
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 | 2,362 | $573,610,000 | $242,000 | $1,405,000 | $116,000 | $3,268,000 |
| Black or African American | 209 | $46,385,000 | $221,000 | $1,025,000 | $90,000 | $825,000 |
| Not Provided | 154 | $40,780,000 | $264,000 | $785,000 | $121,000 | $632,000 |
| Hispanic | 78 | $17,480,000 | $224,000 | $455,000 | $123,000 | $3,404,000 |
| Asian | 73 | $17,095,000 | $234,000 | $1,015,000 | $168,000 | $4,755,000 |
| Not applicable | 55 | $33,075,000 | $601,000 | $8,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $2,615,000 | $237,000 | $475,000 | $98,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $545,000 | $545,000 | $545,000 | $139,000 | $139,000 |
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) | 1,922 | $500,310,000 | $260,000 | $8,005,000 | $140,000 | $4,755,000 |
| FHA-insured (Federal Housing Administration) | 494 | $103,270,000 | $209,000 | $505,000 | $65,000 | $500,000 |
| VA-guaranteed (Veterans Administration) | 484 | $120,000,000 | $247,000 | $895,000 | $84,000 | $720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $9,840,000 | $189,000 | $285,000 | $55,000 | $84,000 |
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 | 2,399 | $589,015,000 | $245,000 | $5,005,000 | $119,000 | $4,755,000 |
| Application Withdrawn By Applicant | 388 | $110,610,000 | $285,000 | $8,005,000 | $96,000 | $900,000 |
| Application Denied By Financial Institution | 118 | $23,360,000 | $197,000 | $1,445,000 | $72,000 | $372,000 |
| Application Approved But Not Accepted | 31 | $6,915,000 | $223,000 | $1,285,000 | $343,000 | $2,541,000 |
| Loan Purchased By The Institution | 10 | $990,000 | $99,000 | $115,000 | $0 | $0 |
| File Closed For Incompleteness | 6 | $2,530,000 | $421,000 | $1,405,000 | $171,000 | $439,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,834 | $710,060,000 | $250,000 | $8,005,000 | $118,000 | $4,755,000 |
| Debt-To-Income Ratio | 41 | $8,485,000 | $206,000 | $425,000 | $68,000 | $238,000 |
| Credit History | 34 | $5,890,000 | $173,000 | $595,000 | $75,000 | $372,000 |
| Collateral | 16 | $2,570,000 | $160,000 | $425,000 | $86,000 | $221,000 |
| Other | 10 | $1,950,000 | $195,000 | $275,000 | $57,000 | $85,000 |
| Unverifiable Information | 6 | $1,320,000 | $220,000 | $455,000 | $87,000 | $137,000 |
| Employment History | 6 | $930,000 | $155,000 | $245,000 | $64,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,215,000 | $443,000 | $1,445,000 | $67,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2018 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.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.