F&M Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
F&M Bank 2022 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 | 2,656 |
| Total Mortgage Loan Application Amount | $781,330,000 |
| Average Mortgage Loan Application Amount | $248,600 |
| Highest Mortgage Loan Application Amount | $4,865,000 |
| Average Applicant Income | $152,800 |
| Highest Applicant Income | $7,642,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 865 | $ 235,625,000 | $ 272,000 | $ 142,000 |
| Davidson County Tennessee | 402 | $ 148,520,000 | $ 369,000 | $ 213,000 |
| Sumner County Tennessee | 241 | $ 72,715,000 | $ 301,000 | $ 164,000 |
| Williamson County Tennessee | 177 | $ 66,845,000 | $ 377,000 | $ 234,000 |
| Rutherford County Tennessee | 174 | $ 48,790,000 | $ 280,000 | $ 126,000 |
| Robertson County Tennessee | 147 | $ 33,315,000 | $ 226,000 | $ 115,000 |
| Stewart County Tennessee | 108 | $ 12,650,000 | $ 117,000 | $ 92,000 |
| Wilson County Tennessee | 82 | $ 22,010,000 | $ 268,000 | $ 139,000 |
| Christian County Kentucky | 63 | $ 18,765,000 | $ 297,000 | $ 309,000 |
| Cheatham County Tennessee | 50 | $ 12,410,000 | $ 248,000 | $ 170,000 |
| Dickson County Tennessee | 36 | $ 7,440,000 | $ 206,000 | $ 120,000 |
| Maury County Tennessee | 35 | $ 11,345,000 | $ 324,000 | $ 169,000 |
| Putnam County Tennessee | 32 | $ 7,990,000 | $ 249,000 | $ 150,000 |
| Bedford County Tennessee | 18 | $ 4,090,000 | $ 227,000 | $ 83,000 |
| Coffee County Tennessee | 15 | $ 4,155,000 | $ 277,000 | $ 97,000 |
| Franklin County Tennessee | 11 | $ 1,925,000 | $ 175,000 | $ 178,000 |
| Hamilton County Tennessee | 11 | $ 3,095,000 | $ 281,000 | $ 235,000 |
| Sevier County Tennessee | 9 | $ 7,045,000 | $ 782,000 | $ 249,000 |
| Smith County Tennessee | 9 | $ 2,445,000 | $ 271,000 | $ 77,000 |
| Warren County Kentucky | 8 | $ 2,350,000 | $ 293,000 | $ 119,000 |
| Logan County Kentucky | 7 | $ 725,000 | $ 103,000 | $ 81,000 |
| Trigg County Kentucky | 7 | $ 2,085,000 | $ 297,000 | $ 250,000 |
| Henry County Tennessee | 6 | $ 1,460,000 | $ 243,000 | $ 206,000 |
| Houston County Tennessee | 6 | $ 720,000 | $ 120,000 | $ 79,000 |
| Macon County Tennessee | 6 | $ 1,520,000 | $ 253,000 | $ 77,000 |
| Baldwin County Alabama | 5 | $ 2,135,000 | $ 427,000 | $ 136,000 |
| Todd County Kentucky | 5 | $ 1,405,000 | $ 281,000 | $ 79,000 |
| Marshall County Tennessee | 5 | $ 1,525,000 | $ 305,000 | $ 143,000 |
| Walton County Florida | 4 | $ 8,800,000 | $ 2,200,000 | $ 67,000 |
| Cannon County Tennessee | 4 | $ 680,000 | $ 170,000 | $ 100,000 |
| DeKalb County Tennessee | 4 | $ 1,100,000 | $ 275,000 | $ 78,000 |
| Giles County Tennessee | 4 | $ 850,000 | $ 212,000 | $ 87,000 |
| Jackson County Tennessee | 4 | $ 560,000 | $ 140,000 | $ 68,000 |
| Trousdale County Tennessee | 4 | $ 1,340,000 | $ 335,000 | $ 151,000 |
| White County Tennessee | 4 | $ 550,000 | $ 137,000 | $ 129,000 |
| Calloway County Kentucky | 3 | $ 985,000 | $ 328,000 | $ 382,000 |
| Simpson County Kentucky | 3 | $ 645,000 | $ 215,000 | $ 57,000 |
| Hickman County Tennessee | 3 | $ 605,000 | $ 201,000 | $ 102,000 |
| Madison County Tennessee | 3 | $ 595,000 | $ 198,000 | $ 86,000 |
| Marion County Tennessee | 3 | $ 735,000 | $ 245,000 | $ 117,000 |
| Warren County Tennessee | 3 | $ 635,000 | $ 211,000 | $ 44,000 |
| Hardin County Kentucky | 2 | $ 3,880,000 | $ 1,940,000 | $ 274,000 |
| St. Louis County Minnesota | 2 | $ 1,080,000 | $ 540,000 | $ 275,000 |
| Cumberland County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 135,000 |
| Clay County Tennessee | 2 | $ 270,000 | $ 135,000 | $ 71,000 |
| Cocke County Tennessee | 2 | $ 310,000 | $ 155,000 | $ 763,000 |
| Gibson County Tennessee | 2 | $ 350,000 | $ 175,000 | $ 125,000 |
| Grundy County Tennessee | 2 | $ 710,000 | $ 355,000 | $ 200,000 |
| Lawrence County Tennessee | 2 | $ 410,000 | $ 205,000 | $ 103,000 |
| Overton County Tennessee | 2 | $ 490,000 | $ 245,000 | $ 92,000 |
| Roane County Tennessee | 2 | $ 440,000 | $ 220,000 | $ 52,000 |
| Calhoun County Alabama | 1 | $ 565,000 | $ 565,000 | $ 220,000 |
| Cullman County Alabama | 1 | $ 505,000 | $ 505,000 | $ 246,000 |
| Lee County Alabama | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Madison County Alabama | 1 | $ 495,000 | $ 495,000 | $ 115,000 |
| Tuscaloosa County Alabama | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Winston County Alabama | 1 | $ 645,000 | $ 645,000 | $ 517,000 |
| Citrus County Florida | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Clay County Florida | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Gulf County Florida | 1 | $ 275,000 | $ 275,000 | $ 218,000 |
| Hillsborough County Florida | 1 | $ 635,000 | $ 635,000 | $ 131,000 |
| Pinellas County Florida | 1 | $ 385,000 | $ 385,000 | $ 121,000 |
| Sarasota County Florida | 1 | $ 525,000 | $ 525,000 | $ 195,000 |
| St. Lucie County Florida | 1 | $ 805,000 | $ 805,000 | $ 232,000 |
| Douglas County Georgia | 1 | $ 515,000 | $ 515,000 | $ 109,000 |
| Forsyth County Georgia | 1 | $ 425,000 | $ 425,000 | $ 175,000 |
| Lowndes County Georgia | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Walker County Georgia | 1 | $ 625,000 | $ 625,000 | $ 106,000 |
| Marion County Indiana | 1 | $ 135,000 | $ 135,000 | $ 121,000 |
| Hopkins County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 22,000 |
| McCracken County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Baltimore County Maryland | 1 | $ 655,000 | $ 655,000 | $ 233,000 |
| Ionia County Michigan | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Wayne County Michigan | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| DeSoto County Mississippi | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Tishomingo County Mississippi | 1 | $ 325,000 | $ 325,000 | $ 93,000 |
| Washington County Missouri | 1 | $ 365,000 | $ 365,000 | $ 78,000 |
| Guilford County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 165,000 |
| McDowell County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Comanche County Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 141,000 |
| Huntingdon County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Benton County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 43,000 |
| Bledsoe County Tennessee | 1 | $ 635,000 | $ 635,000 | $ 188,000 |
| Blount County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Carroll County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cumberland County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Fentress County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Hardin County Tennessee | 1 | $ 415,000 | $ 415,000 | $ 93,000 |
| Humphreys County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 310,000 |
| Knox County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| Lewis County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| McMinn County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Monroe County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Moore County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 65,000 |
| Perry County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 39,000 |
| Scott County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 346,000 |
| Shelby County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Guadalupe County Texas | 1 | $ 385,000 | $ 385,000 | $ 95,000 |
| Harrison County Texas | 1 | $ 415,000 | $ 415,000 | $ 71,000 |
| Marathon County 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.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.