F&M Bank Mortgage Lending & HMDA Data, 2021
In 2021, F&M Bank of Clarksville, TN reported 3,990 mortgage applications totaling $1.3 billion, down 17% from 2020. The average application was for $315,345, and applicants reported an average income of $135,751. 83% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,620), Clarksville, TN-KY (1,021) and Knoxville, TN (18) (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 | 3,990 |
| Total Mortgage Loan Application Amount | $1,258,230,000 |
| Average Mortgage Loan Application Amount | $315,345 |
| Highest Mortgage Loan Application Amount | $8,325,000 |
| Average Applicant Income | $135,751 |
| 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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,032 | $ 349,910,000 | $ 339,060 | $ 139,000 |
| Montgomery, Tennessee | 894 | $ 262,770,000 | $ 293,926 | $ 138,000 |
| Williamson, Tennessee | 539 | $ 214,925,000 | $ 398,747 | $ 162,000 |
| Sumner, Tennessee | 325 | $ 101,545,000 | $ 312,446 | $ 115,000 |
| Rutherford, Tennessee | 255 | $ 70,435,000 | $ 276,215 | $ 106,000 |
| Robertson, Tennessee | 174 | $ 46,860,000 | $ 269,310 | $ 103,000 |
| Wilson, Tennessee | 132 | $ 41,910,000 | $ 317,500 | $ 117,000 |
| Maury, Tennessee | 72 | $ 18,630,000 | $ 258,750 | $ 97,000 |
| Christian, Kentucky | 71 | $ 16,625,000 | $ 234,154 | $ 153,000 |
| Stewart, Tennessee | 52 | $ 9,130,000 | $ 175,576 | $ 93,000 |
| Dickson, Tennessee | 35 | $ 7,855,000 | $ 224,428 | $ 76,000 |
| Cheatham, Tennessee | 34 | $ 10,370,000 | $ 305,000 | $ 115,000 |
| Bedford, Tennessee | 25 | $ 5,845,000 | $ 233,800 | $ 81,000 |
| Coffee, Tennessee | 20 | $ 4,840,000 | $ 242,000 | $ 74,000 |
| Putnam, Tennessee | 20 | $ 4,390,000 | $ 219,500 | $ 168,000 |
| Marshall, Tennessee | 16 | $ 4,000,000 | $ 250,000 | $ 83,000 |
| Knox, Tennessee | 15 | $ 3,925,000 | $ 261,666 | $ 124,000 |
| Franklin, Tennessee | 14 | $ 3,720,000 | $ 265,714 | $ 188,000 |
| Hamilton, Tennessee | 14 | $ 3,400,000 | $ 242,857 | $ 260,000 |
| Smith, Tennessee | 12 | $ 2,540,000 | $ 211,666 | $ 81,000 |
| Shelby, Tennessee | 11 | $ 2,755,000 | $ 250,454 | $ 131,000 |
| DeKalb, Tennessee | 7 | $ 1,805,000 | $ 257,857 | $ 326,000 |
| Sevier, Tennessee | 7 | $ 2,515,000 | $ 359,285 | $ 256,000 |
| Logan, Kentucky | 6 | $ 2,070,000 | $ 345,000 | $ 103,000 |
| Todd, Kentucky | 6 | $ 1,790,000 | $ 298,333 | $ 145,000 |
| Houston, Tennessee | 6 | $ 1,490,000 | $ 248,333 | $ 106,000 |
| Warren, Tennessee | 6 | $ 1,410,000 | $ 235,000 | $ 63,000 |
| Jefferson, Alabama | 5 | $ 2,345,000 | $ 469,000 | $ 119,000 |
| Bay, Florida | 5 | $ 1,575,000 | $ 315,000 | $ 431,000 |
| Calloway, Kentucky | 5 | $ 1,405,000 | $ 281,000 | $ 226,000 |
| Giles, Tennessee | 5 | $ 1,095,000 | $ 219,000 | $ 74,000 |
| Henry, Tennessee | 5 | $ 1,125,000 | $ 225,000 | $ 173,000 |
| Winston, Alabama | 4 | $ 1,910,000 | $ 477,500 | $ 301,000 |
| Walton, Florida | 4 | $ 1,440,000 | $ 360,000 | $ 304,000 |
| Simpson, Kentucky | 4 | $ 510,000 | $ 127,500 | $ 102,000 |
| Trigg, Kentucky | 4 | $ 930,000 | $ 232,500 | $ 120,000 |
| Horry, South Carolina | 4 | $ 870,000 | $ 217,500 | $ 66,000 |
| Cannon, Tennessee | 4 | $ 1,040,000 | $ 260,000 | $ 78,000 |
| Fentress, Tennessee | 4 | $ 1,170,000 | $ 292,500 | $ 89,000 |
| Pickett, Tennessee | 4 | $ 730,000 | $ 182,500 | $ 150,000 |
| Trousdale, Tennessee | 4 | $ 1,190,000 | $ 297,500 | $ 83,000 |
| Lee, Florida | 3 | $ 805,000 | $ 268,333 | $ 217,000 |
| Pinellas, Florida | 3 | $ 1,735,000 | $ 578,333 | $ 325,000 |
| Warren, Kentucky | 3 | $ 625,000 | $ 208,333 | $ 344,000 |
| Cumberland, North Carolina | 3 | $ 715,000 | $ 238,333 | $ 70,000 |
| Blount, Tennessee | 3 | $ 905,000 | $ 301,666 | $ 81,000 |
| Hickman, Tennessee | 3 | $ 655,000 | $ 218,333 | $ 73,000 |
| Lawrence, Tennessee | 3 | $ 905,000 | $ 301,666 | $ 150,000 |
| Rhea, Tennessee | 3 | $ 1,035,000 | $ 345,000 | $ 215,000 |
| White, Tennessee | 3 | $ 1,105,000 | $ 368,333 | $ 1,041,000 |
| Autauga, Alabama | 2 | $ 580,000 | $ 290,000 | $ 68,000 |
| Limestone, Alabama | 2 | $ 650,000 | $ 325,000 | $ 363,000 |
| Madison, Alabama | 2 | $ 340,000 | $ 170,000 | $ 182,000 |
| Shelby, Alabama | 2 | $ 780,000 | $ 390,000 | $ 87,000 |
| Brevard, Florida | 2 | $ 840,000 | $ 420,000 | $ 175,000 |
| Okaloosa, Florida | 2 | $ 1,930,000 | $ 965,000 | $ 439,000 |
| Pasco, Florida | 2 | $ 500,000 | $ 250,000 | $ 399,000 |
| Santa Rosa, Florida | 2 | $ 550,000 | $ 275,000 | $ 94,000 |
| Seminole, Florida | 2 | $ 850,000 | $ 425,000 | $ 160,000 |
| St. Johns, Florida | 2 | $ 830,000 | $ 415,000 | $ 275,000 |
| Daviess, Kentucky | 2 | $ 2,970,000 | $ 1,485,000 | $ 27,000 |
| Lyon, Kentucky | 2 | $ 460,000 | $ 230,000 | $ 46,000 |
| Moore, North Carolina | 2 | $ 630,000 | $ 315,000 | $ 113,000 |
| Henderson, Tennessee | 2 | $ 610,000 | $ 305,000 | $ 230,000 |
| Jackson, Tennessee | 2 | $ 280,000 | $ 140,000 | $ 63,000 |
| Lewis, Tennessee | 2 | $ 460,000 | $ 230,000 | $ 171,000 |
| Macon, Tennessee | 2 | $ 470,000 | $ 235,000 | $ 55,000 |
| Madison, Tennessee | 2 | $ 930,000 | $ 465,000 | $ 371,000 |
| Moore, Tennessee | 2 | $ 940,000 | $ 470,000 | $ 117,000 |
| Overton, Tennessee | 2 | $ 670,000 | $ 335,000 | $ 121,000 |
| Perry, Tennessee | 2 | $ 400,000 | $ 200,000 | $ 77,000 |
| Cullman, Alabama | 1 | $ 665,000 | $ 665,000 | $ 358,000 |
| Lawrence, Alabama | 1 | $ 235,000 | $ 235,000 | $ 237,000 |
| Russell, Alabama | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Maricopa, Arizona | 1 | $ 635,000 | $ 635,000 | $ 418,000 |
| Pima, Arizona | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| Craighead, Arkansas | 1 | $ 355,000 | $ 355,000 | $ 173,000 |
| Arapahoe, Colorado | 1 | $ 425,000 | $ 425,000 | $ 68,000 |
| Collier, Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,320,000 |
| Escambia, Florida | 1 | $ 425,000 | $ 425,000 | $ 297,000 |
| Gulf, Florida | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Manatee, Florida | 1 | $ 355,000 | $ 355,000 | $ 160,000 |
| Palm Beach, Florida | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Volusia, Florida | 1 | $ 225,000 | $ 225,000 | $ 168,000 |
| Cobb, Georgia | 1 | $ 315,000 | $ 315,000 | $ 168,000 |
| Columbia, Georgia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Gilmer, Georgia | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| White, Georgia | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Kane, Illinois | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Vanderburgh, Indiana | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Allen, Kentucky | 1 | $ 545,000 | $ 545,000 | $ 131,000 |
| Crittenden, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| Edmonson, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 580,000 |
| Fayette, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 249,000 |
| Hopkins, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Meade, Kentucky | 1 | $ 325,000 | $ 325,000 | $ 122,000 |
| Natchitoches, Louisiana | 1 | $ 235,000 | $ 235,000 | $ 350,000 |
| St. Tammany, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Anne Arundel, Maryland | 1 | $ 325,000 | $ 325,000 | $ 200,000 |
| Kent, Michigan | 1 | $ 405,000 | $ 405,000 | $ 203,000 |
| DeSoto, Mississippi | 1 | $ 405,000 | $ 405,000 | $ 64,000 |
| Jackson, Missouri | 1 | $ 155,000 | $ 155,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 85,000 | $ 85,000 | $ 67,000 |
| Livingston, New York | 1 | $ 345,000 | $ 345,000 | $ 225,000 |
| Cabarrus, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Harnett, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 96,000 |
| Hoke, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Lee, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Mecklenburg, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 112,000 |
| Orange, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 229,000 |
| Randolph, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 221,000 |
| Cuyahoga, Ohio | 1 | $ 165,000 | $ 165,000 | $ 191,000 |
| Delaware, Ohio | 1 | $ 355,000 | $ 355,000 | $ 214,000 |
| Franklin, Ohio | 1 | $ 305,000 | $ 305,000 | $ 140,000 |
| Montgomery, Ohio | 1 | $ 425,000 | $ 425,000 | $ 115,000 |
| Adams, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 155,000 |
| Carroll, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 101,000 |
| Chester, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Cumberland, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Dyer, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Gibson, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Greene, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 35,000 |
| Grundy, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 386,000 |
| Hamblen, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Hardeman, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 224,000 |
| Jefferson, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Lincoln, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 150,000 |
| Obion, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| Collin, Texas | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Augusta, Virginia | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Berkeley, West Virginia | 1 | $ 365,000 | $ 365,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2021
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 | 2,038 | $670,590,000 | $329,000 | $8,325,000 | $134,000 | $4,735,000 |
| Refinancing | 1,401 | $424,085,000 | $302,000 | $7,485,000 | $144,000 | $3,762,000 |
| Cash-out Refinancing | 526 | $159,500,000 | $303,000 | $1,495,000 | $121,000 | $1,800,000 |
| Other Purpose | 14 | $2,490,000 | $177,000 | $365,000 | $87,000 | $225,000 |
| Home Improvement | 11 | $1,565,000 | $142,000 | $245,000 | $177,000 | $224,000 |
| 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 | 3,046 | $938,420,000 | $308,000 | $8,325,000 | $139,000 | $4,735,000 |
| Not Provided | 339 | $113,145,000 | $333,000 | $1,045,000 | $148,000 | $753,000 |
| Black or African American | 181 | $48,225,000 | $266,000 | $575,000 | $84,000 | $607,000 |
| Not applicable | 148 | $81,390,000 | $549,000 | $7,485,000 | $0 | $0 |
| Asian | 125 | $32,335,000 | $258,000 | $705,000 | $127,000 | $525,000 |
| Hispanic | 117 | $34,285,000 | $293,000 | $1,315,000 | $108,000 | $639,000 |
| American Indian or Alaskan Native | 23 | $7,015,000 | $305,000 | $915,000 | $95,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,440,000 | $360,000 | $775,000 | $160,000 | $329,000 |
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) | 3,274 | $1,057,010,000 | $322,000 | $8,325,000 | $148,000 | $4,735,000 |
| VA-guaranteed (Veterans Administration) | 486 | $142,970,000 | $294,000 | $855,000 | $82,000 | $367,000 |
| FHA-insured (Federal Housing Administration) | 206 | $53,370,000 | $259,000 | $565,000 | $72,000 | $480,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $4,880,000 | $203,000 | $355,000 | $52,000 | $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 | 3,313 | $1,055,155,000 | $318,000 | $8,325,000 | $136,000 | $4,735,000 |
| Application Withdrawn By Applicant | 511 | $158,335,000 | $309,000 | $1,495,000 | $134,000 | $1,372,000 |
| Application Denied By Financial Institution | 137 | $34,355,000 | $250,000 | $1,155,000 | $109,000 | $1,800,000 |
| Application Approved But Not Accepted | 23 | $7,915,000 | $344,000 | $1,905,000 | $358,000 | $1,315,000 |
| File Closed For Incompleteness | 4 | $2,010,000 | $502,000 | $895,000 | $80,000 | $89,000 |
| Loan Purchased By The Institution | 2 | $460,000 | $230,000 | $295,000 | $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 | 3,853 | $1,223,875,000 | $317,000 | $8,325,000 | $137,000 | $4,735,000 |
| Debt-To-Income Ratio | 46 | $10,960,000 | $238,000 | $1,155,000 | $134,000 | $1,800,000 |
| Credit History | 31 | $6,435,000 | $207,000 | $485,000 | $73,000 | $192,000 |
| Collateral | 19 | $5,345,000 | $281,000 | $535,000 | $106,000 | $315,000 |
| Other | 12 | $3,570,000 | $297,000 | $965,000 | $128,000 | $278,000 |
| Unverifiable Information | 8 | $2,220,000 | $277,000 | $625,000 | $109,000 | $262,000 |
| Credit Application Incomplete | 8 | $2,480,000 | $310,000 | $655,000 | $104,000 | $259,000 |
| Employment History | 7 | $1,705,000 | $243,000 | $365,000 | $67,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,640,000 | $273,000 | $445,000 | $104,000 | $170,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2021 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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