F&M Bank Mortgage Lending & HMDA Data, 2025
In 2025, F&M Bank of Clarksville, TN reported 676 mortgage applications totaling $191.7 million, down 18% from 2024. The average application was for $283,579, and applicants reported an average income of $288,525. 78% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (374), Clarksville, TN-KY (273) and Crestview-Fort Walton Beach-Destin, FL (3) (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 | 676 |
| Total Mortgage Loan Application Amount | $191,700,000 |
| Average Mortgage Loan Application Amount | $283,579 |
| Highest Mortgage Loan Application Amount | $7,085,000 |
| Average Applicant Income | $288,525 |
| Highest Applicant Income | $5,422,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro--Franklin, TN | 374 | $ 102,640,000 | $ 274,438 | $ 242,000 |
| Clarksville, TN-KY | 273 | $ 75,815,000 | $ 277,710 | $ 310,395 |
| Outside any metro area | 23 | $ 6,505,000 | $ 282,826 | $ 277,391 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 5,515,000 | $ 1,838,333 | $ 1,012,000 |
| Knoxville, TN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 65,000 | $ 65,000 | $ 322,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 945,000 | $ 945,000 | $ 4,091,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2025
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 273 | $47,105,000 | $172,000 | $2,505,000 | $212,000 | $4,091,000 |
| Refinancing | 232 | $76,300,000 | $328,000 | $4,525,000 | $268,000 | $2,404,000 |
| Home Purchase | 129 | $60,735,000 | $470,000 | $7,085,000 | $511,000 | $5,422,000 |
| Home Improvement | 42 | $7,560,000 | $180,000 | $505,000 | $216,000 | $1,538,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 583 | $162,385,000 | $278,000 | $7,085,000 | $283,000 | $5,422,000 |
| Not applicable | 48 | $22,120,000 | $460,000 | $2,745,000 | $0 | $0 |
| Hispanic | 19 | $2,535,000 | $133,000 | $395,000 | $166,000 | $575,000 |
| Black or African American | 16 | $2,060,000 | $128,000 | $505,000 | $172,000 | $915,000 |
| Not Provided | 5 | $1,185,000 | $237,000 | $755,000 | $278,000 | $575,000 |
| American Indian or Alaskan Native | 3 | $585,000 | $195,000 | $255,000 | $132,000 | $137,000 |
| Asian | 2 | $830,000 | $415,000 | $495,000 | $783,000 | $1,427,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 676 | $191,700,000 | $283,000 | $7,085,000 | $277,000 | $5,422,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 524 | $148,120,000 | $282,000 | $7,085,000 | $302,000 | $5,422,000 |
| Application Denied By Financial Institution | 105 | $22,685,000 | $216,000 | $1,705,000 | $146,000 | $1,529,000 |
| Application Approved But Not Accepted | 33 | $12,695,000 | $384,000 | $2,505,000 | $315,000 | $1,461,000 |
| Application Withdrawn By Applicant | 13 | $7,945,000 | $611,000 | $2,745,000 | $313,000 | $1,609,000 |
| File Closed For Incompleteness | 1 | $255,000 | $255,000 | $255,000 | $155,000 | $155,000 |
| 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 | 571 | $169,015,000 | $295,000 | $7,085,000 | $302,000 | $5,422,000 |
| Debt-To-Income Ratio | 56 | $13,920,000 | $248,000 | $1,705,000 | $158,000 | $1,529,000 |
| Credit History | 26 | $2,730,000 | $105,000 | $295,000 | $114,000 | $538,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $4,130,000 | $295,000 | $665,000 | $176,000 | $339,000 |
| Collateral | 5 | $875,000 | $175,000 | $355,000 | $184,000 | $409,000 |
| Employment History | 3 | $875,000 | $291,000 | $665,000 | $87,000 | $171,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2025 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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