F&M Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
F&M Bank 2019 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 | 3,636 |
| Total Mortgage Loan Application Amount | $941,950,000 |
| Average Mortgage Loan Application Amount | $219,800 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $124,600 |
| Highest Applicant Income | $3,900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 914 | $ 192,910,000 | $ 211,000 | $ 98,000 |
| Davidson County Tennessee | 861 | $ 244,835,000 | $ 284,000 | $ 141,000 |
| Sumner County Tennessee | 409 | $ 109,275,000 | $ 267,000 | $ 105,000 |
| Williamson County Tennessee | 394 | $ 154,950,000 | $ 393,000 | $ 153,000 |
| Rutherford County Tennessee | 250 | $ 62,290,000 | $ 249,000 | $ 90,000 |
| Robertson County Tennessee | 183 | $ 41,465,000 | $ 226,000 | $ 81,000 |
| Wilson County Tennessee | 109 | $ 30,225,000 | $ 277,000 | $ 99,000 |
| Stewart County Tennessee | 86 | $ 10,810,000 | $ 125,000 | $ 128,000 |
| Christian County Kentucky | 51 | $ 7,195,000 | $ 141,000 | $ 58,000 |
| Maury County Tennessee | 50 | $ 11,510,000 | $ 230,000 | $ 89,000 |
| Cheatham County Tennessee | 39 | $ 9,475,000 | $ 242,000 | $ 85,000 |
| Dickson County Tennessee | 27 | $ 6,325,000 | $ 234,000 | $ 87,000 |
| Smith County Tennessee | 12 | $ 2,250,000 | $ 187,000 | $ 50,000 |
| Coffee County Tennessee | 11 | $ 2,145,000 | $ 195,000 | $ 66,000 |
| Knox County Tennessee | 11 | $ 2,355,000 | $ 214,000 | $ 95,000 |
| Macon County Tennessee | 11 | $ 1,945,000 | $ 176,000 | $ 61,000 |
| Hamilton County Tennessee | 10 | $ 1,900,000 | $ 190,000 | $ 121,000 |
| Logan County Kentucky | 9 | $ 1,195,000 | $ 132,000 | $ 62,000 |
| Bedford County Tennessee | 9 | $ 1,955,000 | $ 217,000 | $ 63,000 |
| Putnam County Tennessee | 9 | $ 1,655,000 | $ 183,000 | $ 69,000 |
| DeKalb County Tennessee | 8 | $ 1,500,000 | $ 187,000 | $ 94,000 |
| Hickman County Tennessee | 7 | $ 1,435,000 | $ 205,000 | $ 96,000 |
| Marshall County Tennessee | 7 | $ 1,875,000 | $ 267,000 | $ 80,000 |
| Bay County Florida | 6 | $ 1,450,000 | $ 241,000 | $ 107,000 |
| Henry County Tennessee | 6 | $ 940,000 | $ 156,000 | $ 91,000 |
| Shelby County Tennessee | 6 | $ 2,270,000 | $ 378,000 | $ 166,000 |
| Trousdale County Tennessee | 5 | $ 1,115,000 | $ 223,000 | $ 74,000 |
| Pinellas County Florida | 4 | $ 1,500,000 | $ 375,000 | $ 154,000 |
| Cannon County Tennessee | 4 | $ 440,000 | $ 110,000 | $ 58,000 |
| Houston County Tennessee | 4 | $ 590,000 | $ 147,000 | $ 109,000 |
| Walton County Florida | 3 | $ 1,905,000 | $ 635,000 | $ 296,000 |
| Todd County Kentucky | 3 | $ 505,000 | $ 168,000 | $ 56,000 |
| Trigg County Kentucky | 3 | $ 745,000 | $ 248,000 | $ 330,000 |
| Warren County Kentucky | 3 | $ 835,000 | $ 278,000 | $ 62,000 |
| Humphreys County Tennessee | 3 | $ 515,000 | $ 171,000 | $ 246,000 |
| Lincoln County Tennessee | 3 | $ 345,000 | $ 115,000 | $ 55,000 |
| Jefferson County Alabama | 2 | $ 610,000 | $ 305,000 | $ 60,000 |
| Denver County Colorado | 2 | $ 600,000 | $ 300,000 | $ 148,000 |
| Hartford County Connecticut | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Clay County Florida | 2 | $ 520,000 | $ 260,000 | $ 70,000 |
| Columbia County Georgia | 2 | $ 460,000 | $ 230,000 | $ 238,000 |
| DeKalb County Georgia | 2 | $ 530,000 | $ 265,000 | $ 152,000 |
| Fulton County Georgia | 2 | $ 680,000 | $ 340,000 | $ 188,000 |
| Hickman County Kentucky | 2 | $ 120,000 | $ 60,000 | $ 50,000 |
| Moore County North Carolina | 2 | $ 490,000 | $ 245,000 | $ 92,000 |
| Clark County Ohio | 2 | $ 550,000 | $ 275,000 | $ 111,000 |
| Delaware County Ohio | 2 | $ 730,000 | $ 365,000 | $ 381,000 |
| Benton County Tennessee | 2 | $ 290,000 | $ 145,000 | $ 277,000 |
| Blount County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 39,000 |
| Carroll County Tennessee | 2 | $ 1,210,000 | $ 605,000 | $ 0 |
| Franklin County Tennessee | 2 | $ 340,000 | $ 170,000 | $ 148,000 |
| Jackson County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 57,000 |
| Overton County Tennessee | 2 | $ 800,000 | $ 400,000 | $ 117,000 |
| Polk County Tennessee | 2 | $ 490,000 | $ 245,000 | $ 129,000 |
| Rhea County Tennessee | 2 | $ 600,000 | $ 300,000 | $ 147,000 |
| Roane County Tennessee | 2 | $ 630,000 | $ 315,000 | $ 109,000 |
| Van Buren County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 98,000 |
| Limestone County Alabama | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Madison County Alabama | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Morgan County Alabama | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
| Shelby County Alabama | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Tallapoosa County Alabama | 1 | $ 365,000 | $ 365,000 | $ 137,000 |
| Benton County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Clay County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Washington County Arkansas | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Nevada County California | 1 | $ 345,000 | $ 345,000 | $ 786,000 |
| Citrus County Florida | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Flagler County Florida | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Gulf County Florida | 1 | $ 975,000 | $ 975,000 | $ 569,000 |
| Lee County Florida | 1 | $ 295,000 | $ 295,000 | $ 117,000 |
| Cherokee County Georgia | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Clarke County Georgia | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Gwinnett County Georgia | 1 | $ 255,000 | $ 255,000 | $ 153,000 |
| Harris County Georgia | 1 | $ 335,000 | $ 335,000 | $ 110,000 |
| Muscogee County Georgia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Richmond County Georgia | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| St. Clair County Illinois | 1 | $ 145,000 | $ 145,000 | $ 153,000 |
| St. Joseph County Indiana | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Calloway County Kentucky | 1 | $ 395,000 | $ 395,000 | $ 152,000 |
| Cumberland County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hopkins County Kentucky | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Jefferson County Kentucky | 1 | $ 285,000 | $ 285,000 | $ 62,000 |
| Russell County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 254,000 |
| Scott County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 42,000 |
| Simpson County Kentucky | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| St. Tammany County Louisiana | 1 | $ 245,000 | $ 245,000 | $ 121,000 |
| Hennepin County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Madison County Mississippi | 1 | $ 305,000 | $ 305,000 | $ 380,000 |
| St. Louis County Missouri | 1 | $ 245,000 | $ 245,000 | $ 112,000 |
| Durham County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 182,000 |
| Guilford County North Carolina | 1 | $ 525,000 | $ 525,000 | $ 152,000 |
| Jackson County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 179,000 |
| Johnston County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 126,000 |
| Lincoln County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 112,000 |
| Onslow County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wake County North Carolina | 1 | $ 635,000 | $ 635,000 | $ 196,000 |
| Hamilton County Ohio | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Montgomery County Ohio | 1 | $ 425,000 | $ 425,000 | $ 111,000 |
| Greenville County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Horry County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Richland County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Cocke County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Cumberland County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Fayette County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Fentress County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Giles County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Haywood County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 149,000 |
| Henderson County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Lawrence County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Lewis County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Madison County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 195,000 |
| Marion County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 109,000 |
| Monroe County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Obion County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Sevier County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 113,000 |
| Warren County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| White County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| Bexar County Texas | 1 | $ 115,000 | $ 115,000 | $ 121,000 |
| Fairfax County Virginia | 1 | $ 395,000 | $ 395,000 | $ 104,000 |
| Spokane County Washington | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Outagamie County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 300,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2019
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 | 2,891 | $745,085,000 | $257,000 | $1,375,000 | $111,000 | $3,900,000 |
| Refinancing | 387 | $103,435,000 | $267,000 | $1,205,000 | $147,000 | $1,895,000 |
| Cash-out Refinancing | 291 | $82,255,000 | $282,000 | $1,505,000 | $105,000 | $518,000 |
| Other Purpose | 52 | $9,510,000 | $182,000 | $485,000 | $123,000 | $831,000 |
| Home Improvement | 15 | $1,665,000 | $111,000 | $335,000 | $137,000 | $260,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,892 | $754,720,000 | $260,000 | $1,505,000 | $118,000 | $3,900,000 |
| Not Provided | 241 | $67,225,000 | $278,000 | $1,325,000 | $122,000 | $654,000 |
| Black or African American | 206 | $48,300,000 | $234,000 | $565,000 | $75,000 | $392,000 |
| Hispanic | 142 | $32,960,000 | $232,000 | $535,000 | $76,000 | $184,000 |
| Asian | 84 | $21,480,000 | $255,000 | $855,000 | $114,000 | $326,000 |
| Not applicable | 52 | $11,680,000 | $224,000 | $655,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $2,620,000 | $262,000 | $425,000 | $118,000 | $223,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $360,000 | $180,000 | $215,000 | $41,000 | $51,000 |
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) | 2,477 | $668,995,000 | $270,000 | $1,505,000 | $135,000 | $3,900,000 |
| VA-guaranteed (Veterans Administration) | 621 | $154,215,000 | $248,000 | $1,375,000 | $77,000 | $311,000 |
| FHA-insured (Federal Housing Administration) | 499 | $111,565,000 | $223,000 | $545,000 | $68,000 | $313,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $7,175,000 | $183,000 | $285,000 | $54,000 | $90,000 |
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 | 2,987 | $786,605,000 | $263,000 | $1,375,000 | $117,000 | $3,900,000 |
| Application Withdrawn By Applicant | 485 | $124,435,000 | $256,000 | $1,505,000 | $103,000 | $660,000 |
| Application Denied By Financial Institution | 131 | $25,205,000 | $192,000 | $635,000 | $89,000 | $2,221,000 |
| Application Approved But Not Accepted | 28 | $4,300,000 | $153,000 | $655,000 | $94,000 | $235,000 |
| File Closed For Incompleteness | 3 | $1,215,000 | $405,000 | $805,000 | $394,000 | $831,000 |
| Loan Purchased By The Institution | 2 | $190,000 | $95,000 | $185,000 | $45,000 | $45,000 |
| 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 | 3,505 | $916,745,000 | $261,000 | $1,505,000 | $115,000 | $3,900,000 |
| Credit History | 45 | $5,835,000 | $129,000 | $365,000 | $106,000 | $2,221,000 |
| Debt-To-Income Ratio | 45 | $11,305,000 | $251,000 | $625,000 | $74,000 | $522,000 |
| Collateral | 13 | $2,075,000 | $159,000 | $425,000 | $89,000 | $211,000 |
| Other | 11 | $2,155,000 | $195,000 | $455,000 | $78,000 | $148,000 |
| Unverifiable Information | 10 | $2,310,000 | $231,000 | $445,000 | $93,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $980,000 | $245,000 | $635,000 | $87,000 | $192,000 |
| Employment History | 3 | $545,000 | $181,000 | $205,000 | $59,000 | $109,000 |
| 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 2019 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.