F&M Bank Mortgage Lending & HMDA Data, 2019
In 2019, F&M Bank of Clarksville, TN reported 3,636 mortgage applications totaling $942.0 million, up 23% from 2018. The average application was for $259,062, and applicants reported an average income of $114,630. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,354), Clarksville, TN-KY (1,054) and Knoxville, TN (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 | 3,636 |
| Total Mortgage Loan Application Amount | $941,950,000 |
| Average Mortgage Loan Application Amount | $259,062 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $114,630 |
| Highest Applicant Income | $3,900,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery, Tennessee | 914 | $ 192,910,000 | $ 211,061 | $ 98,000 |
| Davidson, Tennessee | 861 | $ 244,835,000 | $ 284,361 | $ 141,000 |
| Sumner, Tennessee | 409 | $ 109,275,000 | $ 267,176 | $ 105,000 |
| Williamson, Tennessee | 394 | $ 154,950,000 | $ 393,274 | $ 153,000 |
| Rutherford, Tennessee | 250 | $ 62,290,000 | $ 249,160 | $ 90,000 |
| Robertson, Tennessee | 183 | $ 41,465,000 | $ 226,584 | $ 81,000 |
| Wilson, Tennessee | 109 | $ 30,225,000 | $ 277,293 | $ 99,000 |
| Stewart, Tennessee | 86 | $ 10,810,000 | $ 125,697 | $ 128,000 |
| Christian, Kentucky | 51 | $ 7,195,000 | $ 141,078 | $ 58,000 |
| Maury, Tennessee | 50 | $ 11,510,000 | $ 230,200 | $ 89,000 |
| Cheatham, Tennessee | 39 | $ 9,475,000 | $ 242,948 | $ 85,000 |
| Dickson, Tennessee | 27 | $ 6,325,000 | $ 234,259 | $ 87,000 |
| Smith, Tennessee | 12 | $ 2,250,000 | $ 187,500 | $ 50,000 |
| Coffee, Tennessee | 11 | $ 2,145,000 | $ 195,000 | $ 66,000 |
| Knox, Tennessee | 11 | $ 2,355,000 | $ 214,090 | $ 95,000 |
| Macon, Tennessee | 11 | $ 1,945,000 | $ 176,818 | $ 61,000 |
| Hamilton, Tennessee | 10 | $ 1,900,000 | $ 190,000 | $ 121,000 |
| Logan, Kentucky | 9 | $ 1,195,000 | $ 132,777 | $ 62,000 |
| Bedford, Tennessee | 9 | $ 1,955,000 | $ 217,222 | $ 63,000 |
| Putnam, Tennessee | 9 | $ 1,655,000 | $ 183,888 | $ 69,000 |
| DeKalb, Tennessee | 8 | $ 1,500,000 | $ 187,500 | $ 94,000 |
| Hickman, Tennessee | 7 | $ 1,435,000 | $ 205,000 | $ 96,000 |
| Marshall, Tennessee | 7 | $ 1,875,000 | $ 267,857 | $ 80,000 |
| Bay, Florida | 6 | $ 1,450,000 | $ 241,666 | $ 107,000 |
| Henry, Tennessee | 6 | $ 940,000 | $ 156,666 | $ 91,000 |
| Shelby, Tennessee | 6 | $ 2,270,000 | $ 378,333 | $ 166,000 |
| Trousdale, Tennessee | 5 | $ 1,115,000 | $ 223,000 | $ 74,000 |
| Pinellas, Florida | 4 | $ 1,500,000 | $ 375,000 | $ 154,000 |
| Cannon, Tennessee | 4 | $ 440,000 | $ 110,000 | $ 58,000 |
| Houston, Tennessee | 4 | $ 590,000 | $ 147,500 | $ 109,000 |
| Walton, Florida | 3 | $ 1,905,000 | $ 635,000 | $ 296,000 |
| Todd, Kentucky | 3 | $ 505,000 | $ 168,333 | $ 56,000 |
| Trigg, Kentucky | 3 | $ 745,000 | $ 248,333 | $ 330,000 |
| Warren, Kentucky | 3 | $ 835,000 | $ 278,333 | $ 62,000 |
| Humphreys, Tennessee | 3 | $ 515,000 | $ 171,666 | $ 246,000 |
| Lincoln, Tennessee | 3 | $ 345,000 | $ 115,000 | $ 55,000 |
| Jefferson, Alabama | 2 | $ 610,000 | $ 305,000 | $ 60,000 |
| Denver, Colorado | 2 | $ 600,000 | $ 300,000 | $ 148,000 |
| Hartford, Connecticut | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Clay, Florida | 2 | $ 520,000 | $ 260,000 | $ 70,000 |
| Columbia, Georgia | 2 | $ 460,000 | $ 230,000 | $ 238,000 |
| DeKalb, Georgia | 2 | $ 530,000 | $ 265,000 | $ 152,000 |
| Fulton, Georgia | 2 | $ 680,000 | $ 340,000 | $ 188,000 |
| Hickman, Kentucky | 2 | $ 120,000 | $ 60,000 | $ 50,000 |
| Moore, North Carolina | 2 | $ 490,000 | $ 245,000 | $ 92,000 |
| Clark, Ohio | 2 | $ 550,000 | $ 275,000 | $ 111,000 |
| Delaware, Ohio | 2 | $ 730,000 | $ 365,000 | $ 381,000 |
| Benton, Tennessee | 2 | $ 290,000 | $ 145,000 | $ 277,000 |
| Blount, Tennessee | 2 | $ 360,000 | $ 180,000 | $ 39,000 |
| Carroll, Tennessee | 2 | $ 1,210,000 | $ 605,000 | $ 0 |
| Franklin, Tennessee | 2 | $ 340,000 | $ 170,000 | $ 148,000 |
| Jackson, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 57,000 |
| Overton, Tennessee | 2 | $ 800,000 | $ 400,000 | $ 117,000 |
| Polk, Tennessee | 2 | $ 490,000 | $ 245,000 | $ 129,000 |
| Rhea, Tennessee | 2 | $ 600,000 | $ 300,000 | $ 147,000 |
| Roane, Tennessee | 2 | $ 630,000 | $ 315,000 | $ 109,000 |
| Van Buren, Tennessee | 2 | $ 200,000 | $ 100,000 | $ 98,000 |
| Limestone, Alabama | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Madison, Alabama | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Morgan, Alabama | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
| Shelby, Alabama | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Tallapoosa, Alabama | 1 | $ 365,000 | $ 365,000 | $ 137,000 |
| Benton, Arkansas | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Clay, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Washington, Arkansas | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Nevada, California | 1 | $ 345,000 | $ 345,000 | $ 786,000 |
| Citrus, Florida | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Flagler, Florida | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Gulf, Florida | 1 | $ 975,000 | $ 975,000 | $ 569,000 |
| Lee, Florida | 1 | $ 295,000 | $ 295,000 | $ 117,000 |
| Cherokee, Georgia | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Clarke, Georgia | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Gwinnett, Georgia | 1 | $ 255,000 | $ 255,000 | $ 153,000 |
| Harris, Georgia | 1 | $ 335,000 | $ 335,000 | $ 110,000 |
| Muscogee, Georgia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Richmond, Georgia | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| St. Clair, Illinois | 1 | $ 145,000 | $ 145,000 | $ 153,000 |
| St. Joseph, Indiana | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Calloway, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 152,000 |
| Cumberland, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hopkins, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Jefferson, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 62,000 |
| Russell, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 254,000 |
| Scott, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 42,000 |
| Simpson, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| St. Tammany, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 121,000 |
| Hennepin, Minnesota | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Madison, Mississippi | 1 | $ 305,000 | $ 305,000 | $ 380,000 |
| St. Louis, Missouri | 1 | $ 245,000 | $ 245,000 | $ 112,000 |
| Durham, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 182,000 |
| Guilford, North Carolina | 1 | $ 525,000 | $ 525,000 | $ 152,000 |
| Jackson, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 179,000 |
| Johnston, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 126,000 |
| Lincoln, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 112,000 |
| Onslow, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wake, North Carolina | 1 | $ 635,000 | $ 635,000 | $ 196,000 |
| Hamilton, Ohio | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Montgomery, Ohio | 1 | $ 425,000 | $ 425,000 | $ 111,000 |
| Greenville, South Carolina | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Horry, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Richland, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Cocke, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Cumberland, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Fayette, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Fentress, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Giles, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Haywood, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 149,000 |
| Henderson, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Lawrence, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Lewis, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Madison, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 195,000 |
| Marion, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 109,000 |
| Monroe, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Obion, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Sevier, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 113,000 |
| Warren, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| White, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| Bexar, Texas | 1 | $ 115,000 | $ 115,000 | $ 121,000 |
| Fairfax, Virginia | 1 | $ 395,000 | $ 395,000 | $ 104,000 |
| Spokane, Washington | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Outagamie, 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.
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