F&M Bank Mortgage Lending & HMDA Data, 2020
In 2020, F&M Bank of Clarksville, TN reported 4,810 mortgage applications totaling $1.4 billion, up 32% from 2019. The average application was for $293,024, and applicants reported an average income of $123,040. 83% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (3,250), Clarksville, TN-KY (1,215) 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 | 4,810 |
| Total Mortgage Loan Application Amount | $1,409,450,000 |
| Average Mortgage Loan Application Amount | $293,024 |
| Highest Mortgage Loan Application Amount | $19,445,000 |
| Average Applicant Income | $123,040 |
| Highest Applicant Income | $4,735,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,195 | $ 377,435,000 | $ 315,845 | $ 127,000 |
| Montgomery, Tennessee | 1,079 | $ 267,625,000 | $ 248,030 | $ 112,000 |
| Williamson, Tennessee | 709 | $ 265,085,000 | $ 373,885 | $ 152,000 |
| Sumner, Tennessee | 475 | $ 137,545,000 | $ 289,568 | $ 112,000 |
| Rutherford, Tennessee | 310 | $ 101,760,000 | $ 328,258 | $ 120,000 |
| Robertson, Tennessee | 184 | $ 42,070,000 | $ 228,641 | $ 95,000 |
| Wilson, Tennessee | 156 | $ 46,870,000 | $ 300,448 | $ 122,000 |
| Maury, Tennessee | 101 | $ 25,075,000 | $ 248,267 | $ 101,000 |
| Christian, Kentucky | 79 | $ 12,685,000 | $ 160,569 | $ 73,000 |
| Stewart, Tennessee | 56 | $ 11,020,000 | $ 196,785 | $ 106,000 |
| Cheatham, Tennessee | 54 | $ 13,890,000 | $ 257,222 | $ 101,000 |
| Dickson, Tennessee | 40 | $ 11,000,000 | $ 275,000 | $ 77,000 |
| Coffee, Tennessee | 24 | $ 5,400,000 | $ 225,000 | $ 65,000 |
| Knox, Tennessee | 20 | $ 4,910,000 | $ 245,500 | $ 106,000 |
| Marshall, Tennessee | 18 | $ 4,840,000 | $ 268,888 | $ 76,000 |
| Putnam, Tennessee | 18 | $ 2,780,000 | $ 154,444 | $ 150,000 |
| Bedford, Tennessee | 16 | $ 4,150,000 | $ 259,375 | $ 96,000 |
| Hamilton, Tennessee | 16 | $ 3,610,000 | $ 225,625 | $ 147,000 |
| Hickman, Tennessee | 15 | $ 3,245,000 | $ 216,333 | $ 74,000 |
| Smith, Tennessee | 12 | $ 2,580,000 | $ 215,000 | $ 225,000 |
| Macon, Tennessee | 9 | $ 1,975,000 | $ 219,444 | $ 68,000 |
| DeKalb, Tennessee | 7 | $ 1,785,000 | $ 255,000 | $ 340,000 |
| Franklin, Tennessee | 7 | $ 2,705,000 | $ 386,428 | $ 243,000 |
| Walton, Florida | 6 | $ 2,800,000 | $ 466,666 | $ 256,000 |
| Warren, Tennessee | 6 | $ 750,000 | $ 125,000 | $ 49,000 |
| Jefferson, Alabama | 5 | $ 1,745,000 | $ 349,000 | $ 161,000 |
| Todd, Kentucky | 5 | $ 915,000 | $ 183,000 | $ 67,000 |
| Humphreys, Tennessee | 5 | $ 1,205,000 | $ 241,000 | $ 60,000 |
| Cobb, Georgia | 4 | $ 1,500,000 | $ 375,000 | $ 218,000 |
| Henry, Tennessee | 4 | $ 510,000 | $ 127,500 | $ 80,000 |
| Marion, Tennessee | 4 | $ 1,240,000 | $ 310,000 | $ 201,000 |
| Shelby, Tennessee | 4 | $ 950,000 | $ 237,500 | $ 105,000 |
| Cullman, Alabama | 3 | $ 1,485,000 | $ 495,000 | $ 356,000 |
| St. Clair, Alabama | 3 | $ 975,000 | $ 325,000 | $ 124,000 |
| Clay, Arkansas | 3 | $ 635,000 | $ 211,666 | $ 130,000 |
| Bay, Florida | 3 | $ 1,005,000 | $ 335,000 | $ 141,000 |
| Fulton, Georgia | 3 | $ 1,075,000 | $ 358,333 | $ 106,000 |
| Greenville, South Carolina | 3 | $ 925,000 | $ 308,333 | $ 114,000 |
| Carroll, Tennessee | 3 | $ 725,000 | $ 241,666 | $ 69,000 |
| Houston, Tennessee | 3 | $ 535,000 | $ 178,333 | $ 72,000 |
| Sevier, Tennessee | 3 | $ 1,015,000 | $ 338,333 | $ 147,000 |
| Trousdale, Tennessee | 3 | $ 825,000 | $ 275,000 | $ 132,000 |
| Limestone, Alabama | 2 | $ 580,000 | $ 290,000 | $ 150,000 |
| Madison, Alabama | 2 | $ 730,000 | $ 365,000 | $ 96,000 |
| Shelby, Alabama | 2 | $ 770,000 | $ 385,000 | $ 110,000 |
| Okaloosa, Florida | 2 | $ 1,100,000 | $ 550,000 | $ 432,000 |
| Forsyth, Georgia | 2 | $ 510,000 | $ 255,000 | $ 140,000 |
| Floyd, Indiana | 2 | $ 600,000 | $ 300,000 | $ 101,000 |
| Barren, Kentucky | 2 | $ 350,000 | $ 175,000 | $ 114,000 |
| Lyon, Kentucky | 2 | $ 540,000 | $ 270,000 | $ 274,000 |
| Warren, Kentucky | 2 | $ 330,000 | $ 165,000 | $ 651,000 |
| Ouachita, Louisiana | 2 | $ 740,000 | $ 370,000 | $ 187,000 |
| Taney, Missouri | 2 | $ 910,000 | $ 455,000 | $ 320,000 |
| Oklahoma, Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 146,000 |
| Spartanburg, South Carolina | 2 | $ 530,000 | $ 265,000 | $ 59,000 |
| Cannon, Tennessee | 2 | $ 400,000 | $ 200,000 | $ 47,000 |
| Giles, Tennessee | 2 | $ 520,000 | $ 260,000 | $ 62,000 |
| Hardin, Tennessee | 2 | $ 290,000 | $ 145,000 | $ 99,000 |
| Jackson, Tennessee | 2 | $ 160,000 | $ 80,000 | $ 79,000 |
| Lawrence, Tennessee | 2 | $ 630,000 | $ 315,000 | $ 97,000 |
| Lewis, Tennessee | 2 | $ 160,000 | $ 80,000 | $ 137,000 |
| Madison, Tennessee | 2 | $ 360,000 | $ 180,000 | $ 82,000 |
| Van Buren, Tennessee | 2 | $ 430,000 | $ 215,000 | $ 146,000 |
| Dallas, Texas | 2 | $ 820,000 | $ 410,000 | $ 102,000 |
| King, Washington | 2 | $ 970,000 | $ 485,000 | $ 200,000 |
| Lauderdale, Alabama | 1 | $ 225,000 | $ 225,000 | $ 145,000 |
| Lawrence, Alabama | 1 | $ 255,000 | $ 255,000 | $ 239,000 |
| Lee, Alabama | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Mobile, Alabama | 1 | $ 215,000 | $ 215,000 | $ 46,000 |
| Winston, Alabama | 1 | $ 275,000 | $ 275,000 | $ 226,000 |
| Pima, Arizona | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Benton, Arkansas | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Faulkner, Arkansas | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Pulaski, Arkansas | 1 | $ 335,000 | $ 335,000 | $ 134,000 |
| Denver, Colorado | 1 | $ 455,000 | $ 455,000 | $ 158,000 |
| El Paso, Colorado | 1 | $ 315,000 | $ 315,000 | $ 81,000 |
| Jefferson, Colorado | 1 | $ 345,000 | $ 345,000 | $ 72,000 |
| Franklin, Florida | 1 | $ 165,000 | $ 165,000 | $ 99,000 |
| Hernando, Florida | 1 | $ 325,000 | $ 325,000 | $ 148,000 |
| Indian River, Florida | 1 | $ 385,000 | $ 385,000 | $ 156,000 |
| Lake, Florida | 1 | $ 295,000 | $ 295,000 | $ 250,000 |
| Manatee, Florida | 1 | $ 195,000 | $ 195,000 | $ 255,000 |
| Orange, Florida | 1 | $ 325,000 | $ 325,000 | $ 210,000 |
| Palm Beach, Florida | 1 | $ 355,000 | $ 355,000 | $ 1,500,000 |
| St. Johns, Florida | 1 | $ 425,000 | $ 425,000 | $ 162,000 |
| Catoosa, Georgia | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Columbia, Georgia | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Coweta, Georgia | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Fannin, Georgia | 1 | $ 195,000 | $ 195,000 | $ 128,000 |
| Fayette, Georgia | 1 | $ 265,000 | $ 265,000 | $ 101,000 |
| Gilmer, Georgia | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| Henry, Georgia | 1 | $ 185,000 | $ 185,000 | $ 12,000 |
| Long, Georgia | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Ada, Idaho | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| Will, Illinois | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Clark, Indiana | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Morgan, Indiana | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Vanderburgh, Indiana | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Allen, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Calloway, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Fulton, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Hart, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 107,000 |
| Jefferson, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 154,000 |
| Kenton, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 54,000 |
| Logan, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| McCracken, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Scott, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Simpson, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| Trigg, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Anne Arundel, Maryland | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Oakland, Michigan | 1 | $ 395,000 | $ 395,000 | $ 187,000 |
| Saginaw, Michigan | 1 | $ 285,000 | $ 285,000 | $ 74,000 |
| Hennepin, Minnesota | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Jackson, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Gallatin, Montana | 1 | $ 265,000 | $ 265,000 | $ 150,000 |
| Essex, New Jersey | 1 | $ 675,000 | $ 675,000 | $ 410,000 |
| Ocean, New Jersey | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Brunswick, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 180,000 |
| Buncombe, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Burke, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Clay, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Guilford, North Carolina | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Harnett, North Carolina | 1 | $ 475,000 | $ 475,000 | $ 112,000 |
| Johnston, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Mecklenburg, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 168,000 |
| Moore, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Wake, North Carolina | 1 | $ 565,000 | $ 565,000 | $ 219,000 |
| Cuyahoga, Ohio | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Tulsa, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Washington, Oregon | 1 | $ 405,000 | $ 405,000 | $ 108,000 |
| Yamhill, Oregon | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Montgomery, Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 185,000 |
| Charleston, South Carolina | 1 | $ 335,000 | $ 335,000 | $ 96,000 |
| Horry, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 174,000 |
| Anderson, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Benton, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 39,000 |
| Campbell, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Carter, Tennessee | 1 | $ 455,000 | $ 455,000 | $ 107,000 |
| Chester, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Cumberland, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Dyer, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Fayette, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 253,000 |
| Fentress, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| Greene, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 27,000 |
| Loudon, Tennessee | 1 | $ 455,000 | $ 455,000 | $ 105,000 |
| Obion, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 70,000 |
| Pickett, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Rhea, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Roane, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 175,000 |
| Washington, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 264,000 |
| Weakley, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Coryell, Texas | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Parker, Texas | 1 | $ 425,000 | $ 425,000 | $ 259,000 |
| Albemarle, Virginia | 1 | $ 1,065,000 | $ 1,065,000 | $ 374,000 |
| Alexandria, Virginia | 1 | $ 305,000 | $ 305,000 | $ 66,000 |
| Fairfax, Virginia | 1 | $ 395,000 | $ 395,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2020
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 | 2,879 | $811,935,000 | $282,000 | $7,685,000 | $112,000 | $4,735,000 |
| Refinancing | 1,469 | $468,815,000 | $319,000 | $19,445,000 | $145,000 | $3,170,000 |
| Cash-out Refinancing | 440 | $124,520,000 | $283,000 | $975,000 | $122,000 | $1,500,000 |
| Other Purpose | 19 | $4,005,000 | $210,000 | $515,000 | $126,000 | $480,000 |
| Home Improvement | 3 | $175,000 | $58,000 | $95,000 | $99,000 | $156,000 |
| 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 | 3,735 | $1,075,445,000 | $287,000 | $3,255,000 | $126,000 | $4,735,000 |
| Not Provided | 406 | $119,500,000 | $294,000 | $1,325,000 | $132,000 | $1,500,000 |
| Black or African American | 269 | $64,185,000 | $238,000 | $1,005,000 | $71,000 | $172,000 |
| Hispanic | 172 | $49,700,000 | $288,000 | $3,445,000 | $125,000 | $3,170,000 |
| Asian | 103 | $30,465,000 | $295,000 | $1,025,000 | $103,000 | $634,000 |
| Not applicable | 88 | $59,290,000 | $673,000 | $19,445,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $3,940,000 | $281,000 | $515,000 | $115,000 | $315,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,475,000 | $295,000 | $405,000 | $107,000 | $170,000 |
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) | 3,663 | $1,115,645,000 | $304,000 | $19,445,000 | $138,000 | $4,735,000 |
| VA-guaranteed (Veterans Administration) | 716 | $191,800,000 | $267,000 | $1,365,000 | $75,000 | $374,000 |
| FHA-insured (Federal Housing Administration) | 387 | $92,385,000 | $238,000 | $515,000 | $69,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $9,620,000 | $218,000 | $345,000 | $55,000 | $105,000 |
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 | 4,000 | $1,189,940,000 | $297,000 | $19,445,000 | $124,000 | $4,735,000 |
| Application Withdrawn By Applicant | 673 | $187,765,000 | $278,000 | $1,445,000 | $118,000 | $1,788,000 |
| Application Denied By Financial Institution | 117 | $24,655,000 | $210,000 | $1,005,000 | $88,000 | $609,000 |
| Application Approved But Not Accepted | 20 | $7,090,000 | $354,000 | $1,285,000 | $153,000 | $583,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,693 | $1,384,795,000 | $295,000 | $19,445,000 | $123,000 | $4,735,000 |
| Credit History | 36 | $6,790,000 | $188,000 | $375,000 | $74,000 | $222,000 |
| Debt-To-Income Ratio | 35 | $9,185,000 | $262,000 | $1,005,000 | $67,000 | $166,000 |
| Collateral | 12 | $2,110,000 | $175,000 | $435,000 | $120,000 | $419,000 |
| Unverifiable Information | 11 | $2,145,000 | $195,000 | $335,000 | $153,000 | $415,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,420,000 | $177,000 | $305,000 | $86,000 | $244,000 |
| Other | 7 | $1,485,000 | $212,000 | $345,000 | $140,000 | $609,000 |
| Employment History | 7 | $1,455,000 | $207,000 | $295,000 | $50,000 | $68,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $83,000 | $83,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2020 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.
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