F&M Bank Mortgage Lending & HMDA Data, 2009
In 2009, F&M Bank of Clarksville, TN reported 3,630 mortgage applications totaling $592.9 million, up 209% from 2008. The average application was for $163,338, and applicants reported an average income of $67,025. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,046), Clarksville, TN-KY (1,207) and Jackson, MS (57) (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 | 3,630 |
| Total Mortgage Loan Application Amount | $592,920,000 |
| Average Mortgage Loan Application Amount | $163,338 |
| Highest Mortgage Loan Application Amount | $2,879,000 |
| Average Applicant Income | $67,025 |
| Highest Applicant Income | $1,542,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,046 | $ 353,150,000 | $ 172,605 | $ 67,000 |
| Clarksville, TN-KY | 1,207 | $ 177,619,000 | $ 147,157 | $ 64,225 |
| Jackson, MS | 57 | $ 9,935,000 | $ 174,298 | $ 60,000 |
| Knoxville, TN | 10 | $ 1,504,000 | $ 150,400 | $ 129,000 |
| Memphis, TN-MS-AR | 4 | $ 692,000 | $ 173,000 | $ 95,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 602,000 | $ 200,666 | $ 79,000 |
| Indianapolis-Carmel, IN | 3 | $ 307,000 | $ 102,333 | $ 20,000 |
| Chattanooga, TN-GA | 2 | $ 206,000 | $ 103,000 | $ 924,000 |
| Florence-Muscle Shoals, AL | 2 | $ 267,000 | $ 133,500 | $ 55,000 |
| Jackson, TN | 2 | $ 280,000 | $ 140,000 | $ 72,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 371,000 | $ 185,500 | $ 68,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 436,000 | $ 218,000 | $ 53,500 |
| Raleigh-Cary, NC | 2 | $ 276,000 | $ 138,000 | $ 65,000 |
| Auburn-Opelika, AL | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Burlington, NC | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 376,000 | $ 376,000 | $ 199,000 |
| Cleveland, TN | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Columbus, IN | 1 | $ 167,000 | $ 167,000 | $ 65,000 |
| Columbus, OH | 1 | $ 178,000 | $ 178,000 | $ 47,000 |
| Dalton, GA | 1 | $ 157,000 | $ 157,000 | $ 162,000 |
| Elizabethtown, KY | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Fayetteville, NC | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 81,000 | $ 81,000 | $ 19,000 |
| Gulfport-Biloxi, MS | 1 | $ 157,000 | $ 157,000 | $ 87,000 |
| Hattiesburg, MS | 1 | $ 258,000 | $ 258,000 | $ 92,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 109,000 | $ 109,000 | $ 58,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Huntsville, AL | 1 | $ 123,000 | $ 123,000 | $ 62,000 |
| Johnson City, TN | 1 | $ 220,000 | $ 220,000 | $ 159,000 |
| Kansas City, MO-KS | 1 | $ 160,000 | $ 160,000 | $ 55,000 |
| Lawton, OK | 1 | $ 110,000 | $ 110,000 | $ 50,000 |
| Lexington-Fayette, KY | 1 | $ 370,000 | $ 370,000 | $ 138,000 |
| Manhattan, KS | 1 | $ 222,000 | $ 222,000 | $ 57,000 |
| Ocean City, NJ | 1 | $ 226,000 | $ 226,000 | $ 61,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 147,000 | $ 147,000 | $ 35,000 |
| Rapid City, SD | 1 | $ 209,000 | $ 209,000 | $ 74,000 |
| Tulsa, OK | 1 | $ 28,000 | $ 28,000 | $ 8,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 392,000 | $ 392,000 | $ 120,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 750,000 | $ 750,000 | $ 1,482,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2009
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 | 2,101 | $315,483,000 | $150,000 | $1,005,000 | $62,000 | $1,482,000 |
| Refinancing | 1,508 | $275,529,000 | $182,000 | $2,879,000 | $74,000 | $1,542,000 |
| Home Improvement | 21 | $1,908,000 | $90,000 | $276,000 | $69,000 | $195,000 |
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 | 3,041 | $490,233,000 | $161,000 | $1,005,000 | $69,000 | $1,542,000 |
| Black or African American | 222 | $40,934,000 | $184,000 | $2,879,000 | $63,000 | $555,000 |
| Not Provided | 175 | $29,377,000 | $167,000 | $515,000 | $58,000 | $264,000 |
| Hispanic | 95 | $13,576,000 | $142,000 | $384,000 | $56,000 | $252,000 |
| Asian | 43 | $6,777,000 | $157,000 | $362,000 | $76,000 | $410,000 |
| Not applicable | 41 | $10,040,000 | $244,000 | $1,920,000 | $30,000 | $550,000 |
| American Indian or Alaskan Native | 9 | $1,335,000 | $148,000 | $360,000 | $47,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $648,000 | $162,000 | $317,000 | $34,000 | $55,000 |
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) | 1,569 | $274,361,000 | $174,000 | $2,879,000 | $89,000 | $1,542,000 |
| FHA-insured (Federal Housing Administration) | 1,223 | $188,401,000 | $154,000 | $614,000 | $49,000 | $673,000 |
| VA-guaranteed (Veterans Administration) | 697 | $112,021,000 | $160,000 | $408,000 | $54,000 | $191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 141 | $18,137,000 | $128,000 | $262,000 | $40,000 | $81,000 |
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 | 2,574 | $422,928,000 | $164,000 | $1,920,000 | $69,000 | $1,542,000 |
| Application Withdrawn By Applicant | 600 | $101,225,000 | $168,000 | $2,000,000 | $64,000 | $895,000 |
| Application Denied By Financial Institution | 341 | $52,092,000 | $152,000 | $2,879,000 | $59,000 | $792,000 |
| File Closed For Incompleteness | 74 | $11,875,000 | $160,000 | $417,000 | $54,000 | $244,000 |
| Application Approved But Not Accepted | 41 | $4,800,000 | $117,000 | $411,000 | $74,000 | $342,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 194 | $25,528,000 | $131,000 | $614,000 | $47,000 | $419,000 |
| Debt-To-Income Ratio | 62 | $10,280,000 | $165,000 | $1,005,000 | $61,000 | $264,000 |
| Collateral | 40 | $9,143,000 | $228,000 | $2,879,000 | $82,000 | $555,000 |
| Other | 31 | $4,119,000 | $132,000 | $417,000 | $93,000 | $792,000 |
| Unverifiable Information | 5 | $810,000 | $162,000 | $287,000 | $42,000 | $63,000 |
| Employment History | 5 | $1,515,000 | $303,000 | $846,000 | $125,000 | $335,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $697,000 | $174,000 | $197,000 | $68,000 | $114,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2009 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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