F&M Bank Mortgage Lending & HMDA Data, 2022
In 2022, F&M Bank of Clarksville, TN reported 2,656 mortgage applications totaling $781.3 million, down 33% from 2021. The average application was for $294,175, and applicants reported an average income of $160,761. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (1,367), Clarksville, TN-KY (1,043) and Chattanooga, TN-GA (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 | 2,656 |
| Total Mortgage Loan Application Amount | $781,330,000 |
| Average Mortgage Loan Application Amount | $294,175 |
| Highest Mortgage Loan Application Amount | $4,865,000 |
| Average Applicant Income | $160,761 |
| Highest Applicant Income | $7,642,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 865 | $ 235,625,000 | $ 272,398 | $ 142,000 |
| Davidson, Tennessee | 402 | $ 148,520,000 | $ 369,452 | $ 213,000 |
| Sumner, Tennessee | 241 | $ 72,715,000 | $ 301,721 | $ 164,000 |
| Williamson, Tennessee | 177 | $ 66,845,000 | $ 377,655 | $ 234,000 |
| Rutherford, Tennessee | 174 | $ 48,790,000 | $ 280,402 | $ 126,000 |
| Robertson, Tennessee | 147 | $ 33,315,000 | $ 226,632 | $ 115,000 |
| Stewart, Tennessee | 108 | $ 12,650,000 | $ 117,129 | $ 92,000 |
| Wilson, Tennessee | 82 | $ 22,010,000 | $ 268,414 | $ 139,000 |
| Christian, Kentucky | 63 | $ 18,765,000 | $ 297,857 | $ 309,000 |
| Cheatham, Tennessee | 50 | $ 12,410,000 | $ 248,200 | $ 170,000 |
| Dickson, Tennessee | 36 | $ 7,440,000 | $ 206,666 | $ 120,000 |
| Maury, Tennessee | 35 | $ 11,345,000 | $ 324,142 | $ 169,000 |
| Putnam, Tennessee | 32 | $ 7,990,000 | $ 249,687 | $ 150,000 |
| Bedford, Tennessee | 18 | $ 4,090,000 | $ 227,222 | $ 83,000 |
| Coffee, Tennessee | 15 | $ 4,155,000 | $ 277,000 | $ 97,000 |
| Franklin, Tennessee | 11 | $ 1,925,000 | $ 175,000 | $ 178,000 |
| Hamilton, Tennessee | 11 | $ 3,095,000 | $ 281,363 | $ 235,000 |
| Sevier, Tennessee | 9 | $ 7,045,000 | $ 782,777 | $ 249,000 |
| Smith, Tennessee | 9 | $ 2,445,000 | $ 271,666 | $ 77,000 |
| Warren, Kentucky | 8 | $ 2,350,000 | $ 293,750 | $ 119,000 |
| Logan, Kentucky | 7 | $ 725,000 | $ 103,571 | $ 81,000 |
| Trigg, Kentucky | 7 | $ 2,085,000 | $ 297,857 | $ 250,000 |
| Henry, Tennessee | 6 | $ 1,460,000 | $ 243,333 | $ 206,000 |
| Houston, Tennessee | 6 | $ 720,000 | $ 120,000 | $ 79,000 |
| Macon, Tennessee | 6 | $ 1,520,000 | $ 253,333 | $ 77,000 |
| Baldwin, Alabama | 5 | $ 2,135,000 | $ 427,000 | $ 136,000 |
| Todd, Kentucky | 5 | $ 1,405,000 | $ 281,000 | $ 79,000 |
| Marshall, Tennessee | 5 | $ 1,525,000 | $ 305,000 | $ 143,000 |
| Walton, Florida | 4 | $ 8,800,000 | $ 2,200,000 | $ 67,000 |
| Cannon, Tennessee | 4 | $ 680,000 | $ 170,000 | $ 100,000 |
| DeKalb, Tennessee | 4 | $ 1,100,000 | $ 275,000 | $ 78,000 |
| Giles, Tennessee | 4 | $ 850,000 | $ 212,500 | $ 87,000 |
| Jackson, Tennessee | 4 | $ 560,000 | $ 140,000 | $ 68,000 |
| Trousdale, Tennessee | 4 | $ 1,340,000 | $ 335,000 | $ 151,000 |
| White, Tennessee | 4 | $ 550,000 | $ 137,500 | $ 129,000 |
| Calloway, Kentucky | 3 | $ 985,000 | $ 328,333 | $ 382,000 |
| Simpson, Kentucky | 3 | $ 645,000 | $ 215,000 | $ 57,000 |
| Hickman, Tennessee | 3 | $ 605,000 | $ 201,666 | $ 102,000 |
| Madison, Tennessee | 3 | $ 595,000 | $ 198,333 | $ 86,000 |
| Marion, Tennessee | 3 | $ 735,000 | $ 245,000 | $ 117,000 |
| Warren, Tennessee | 3 | $ 635,000 | $ 211,666 | $ 44,000 |
| Hardin, Kentucky | 2 | $ 3,880,000 | $ 1,940,000 | $ 274,000 |
| St. Louis, Minnesota | 2 | $ 1,080,000 | $ 540,000 | $ 275,000 |
| Cumberland, North Carolina | 2 | $ 360,000 | $ 180,000 | $ 135,000 |
| Clay, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 71,000 |
| Cocke, Tennessee | 2 | $ 310,000 | $ 155,000 | $ 763,000 |
| Gibson, Tennessee | 2 | $ 350,000 | $ 175,000 | $ 125,000 |
| Grundy, Tennessee | 2 | $ 710,000 | $ 355,000 | $ 200,000 |
| Lawrence, Tennessee | 2 | $ 410,000 | $ 205,000 | $ 103,000 |
| Overton, Tennessee | 2 | $ 490,000 | $ 245,000 | $ 92,000 |
| Roane, Tennessee | 2 | $ 440,000 | $ 220,000 | $ 52,000 |
| Calhoun, Alabama | 1 | $ 565,000 | $ 565,000 | $ 220,000 |
| Cullman, Alabama | 1 | $ 505,000 | $ 505,000 | $ 246,000 |
| Lee, Alabama | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Madison, Alabama | 1 | $ 495,000 | $ 495,000 | $ 115,000 |
| Tuscaloosa, Alabama | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Winston, Alabama | 1 | $ 645,000 | $ 645,000 | $ 517,000 |
| Citrus, Florida | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Clay, Florida | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Gulf, Florida | 1 | $ 275,000 | $ 275,000 | $ 218,000 |
| Hillsborough, Florida | 1 | $ 635,000 | $ 635,000 | $ 131,000 |
| Pinellas, Florida | 1 | $ 385,000 | $ 385,000 | $ 121,000 |
| Sarasota, Florida | 1 | $ 525,000 | $ 525,000 | $ 195,000 |
| St. Lucie, Florida | 1 | $ 805,000 | $ 805,000 | $ 232,000 |
| Douglas, Georgia | 1 | $ 515,000 | $ 515,000 | $ 109,000 |
| Forsyth, Georgia | 1 | $ 425,000 | $ 425,000 | $ 175,000 |
| Lowndes, Georgia | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Walker, Georgia | 1 | $ 625,000 | $ 625,000 | $ 106,000 |
| Marion, Indiana | 1 | $ 135,000 | $ 135,000 | $ 121,000 |
| Hopkins, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 22,000 |
| McCracken, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Baltimore, Maryland | 1 | $ 655,000 | $ 655,000 | $ 233,000 |
| Ionia, Michigan | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Wayne, Michigan | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| DeSoto, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Tishomingo, Mississippi | 1 | $ 325,000 | $ 325,000 | $ 93,000 |
| Washington, Missouri | 1 | $ 365,000 | $ 365,000 | $ 78,000 |
| Guilford, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 165,000 |
| McDowell, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Comanche, Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 141,000 |
| Huntingdon, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Benton, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 43,000 |
| Bledsoe, Tennessee | 1 | $ 635,000 | $ 635,000 | $ 188,000 |
| Blount, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Carroll, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cumberland, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Fentress, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Hardin, Tennessee | 1 | $ 415,000 | $ 415,000 | $ 93,000 |
| Humphreys, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 310,000 |
| Knox, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| Lewis, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| McMinn, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Monroe, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Moore, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 65,000 |
| Perry, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 39,000 |
| Scott, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 346,000 |
| Shelby, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Guadalupe, Texas | 1 | $ 385,000 | $ 385,000 | $ 95,000 |
| Harrison, Texas | 1 | $ 415,000 | $ 415,000 | $ 71,000 |
| Marathon, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2022
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 | 1,379 | $494,305,000 | $358,000 | $4,865,000 | $150,000 | $3,762,000 |
| Other Purpose | 568 | $98,390,000 | $173,000 | $1,505,000 | $171,000 | $1,909,000 |
| Refinancing | 453 | $133,765,000 | $295,000 | $3,705,000 | $205,000 | $7,642,000 |
| Cash-out Refinancing | 137 | $39,025,000 | $284,000 | $675,000 | $101,000 | $332,000 |
| Home Improvement | 119 | $15,845,000 | $133,000 | $705,000 | $137,000 | $710,000 |
| 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 | 2,067 | $575,285,000 | $278,000 | $4,865,000 | $165,000 | $7,642,000 |
| Not applicable | 173 | $87,155,000 | $503,000 | $4,155,000 | $0 | $0 |
| Black or African American | 137 | $34,665,000 | $253,000 | $1,105,000 | $121,000 | $1,672,000 |
| Not Provided | 112 | $35,700,000 | $318,000 | $825,000 | $147,000 | $715,000 |
| Asian | 75 | $22,525,000 | $300,000 | $855,000 | $152,000 | $696,000 |
| Hispanic | 74 | $19,990,000 | $270,000 | $915,000 | $121,000 | $581,000 |
| American Indian or Alaskan Native | 6 | $1,390,000 | $231,000 | $355,000 | $98,000 | $254,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $800,000 | $400,000 | $625,000 | $562,000 | $942,000 |
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) | 2,275 | $659,845,000 | $290,000 | $4,865,000 | $174,000 | $7,642,000 |
| VA-guaranteed (Veterans Administration) | 246 | $82,440,000 | $335,000 | $1,005,000 | $93,000 | $314,000 |
| FHA-insured (Federal Housing Administration) | 126 | $37,040,000 | $293,000 | $625,000 | $78,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,005,000 | $222,000 | $305,000 | $60,000 | $72,000 |
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 | 2,066 | $588,230,000 | $284,000 | $4,865,000 | $161,000 | $2,834,000 |
| Application Withdrawn By Applicant | 264 | $96,010,000 | $363,000 | $4,155,000 | $143,000 | $922,000 |
| Application Denied By Financial Institution | 263 | $73,675,000 | $280,000 | $4,415,000 | $156,000 | $7,642,000 |
| Application Approved But Not Accepted | 52 | $21,420,000 | $411,000 | $3,005,000 | $278,000 | $3,762,000 |
| File Closed For Incompleteness | 8 | $1,380,000 | $172,000 | $305,000 | $133,000 | $168,000 |
| Loan Purchased By The Institution | 3 | $615,000 | $205,000 | $265,000 | $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 | 2,393 | $707,655,000 | $295,000 | $4,865,000 | $161,000 | $3,762,000 |
| Debt-To-Income Ratio | 123 | $35,275,000 | $286,000 | $4,415,000 | $113,000 | $821,000 |
| Credit History | 43 | $5,365,000 | $124,000 | $555,000 | $87,000 | $343,000 |
| Collateral | 26 | $7,570,000 | $291,000 | $1,055,000 | $133,000 | $432,000 |
| Credit Application Incomplete | 25 | $8,815,000 | $352,000 | $1,145,000 | $164,000 | $472,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $5,885,000 | $346,000 | $705,000 | $69,000 | $159,000 |
| Other | 15 | $7,875,000 | $525,000 | $1,155,000 | $1,140,000 | $7,642,000 |
| Employment History | 10 | $1,720,000 | $172,000 | $525,000 | $92,000 | $410,000 |
| Unverifiable Information | 4 | $1,170,000 | $292,000 | $505,000 | $288,000 | $485,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2022 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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