F&M Bank Mortgage Lending & HMDA Data, 2010
In 2010, F&M Bank of Clarksville, TN reported 4,138 mortgage applications totaling $698.2 million, up 14% from 2009. The average application was for $168,723, and applicants reported an average income of $75,274. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,661), Clarksville, TN-KY (1,066) and Jackson, MS (27) (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 | 4,138 |
| Total Mortgage Loan Application Amount | $698,176,000 |
| Average Mortgage Loan Application Amount | $168,723 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $75,274 |
| Highest Applicant Income | $1,520,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,661 | $ 464,956,000 | $ 174,729 | $ 79,000 |
| Clarksville, TN-KY | 1,066 | $ 171,154,000 | $ 160,557 | $ 66,704 |
| Jackson, MS | 27 | $ 4,751,000 | $ 175,962 | $ 71,000 |
| Memphis, TN-MS-AR | 10 | $ 1,636,000 | $ 163,600 | $ 144,000 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 1,878,000 | $ 208,666 | $ 140,000 |
| Knoxville, TN | 9 | $ 2,359,000 | $ 262,111 | $ 304,000 |
| Bowling Green, KY | 6 | $ 823,000 | $ 137,166 | $ 71,000 |
| Chattanooga, TN-GA | 6 | $ 1,376,000 | $ 229,333 | $ 92,500 |
| Cleveland, TN | 4 | $ 884,000 | $ 221,000 | $ 101,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 613,000 | $ 204,333 | $ 168,000 |
| Birmingham-Hoover, AL | 2 | $ 313,000 | $ 156,500 | $ 101,000 |
| Florence-Muscle Shoals, AL | 2 | $ 224,000 | $ 112,000 | $ 52,000 |
| Huntsville, AL | 2 | $ 344,000 | $ 172,000 | $ 19,000 |
| Johnson City, TN | 2 | $ 206,000 | $ 103,000 | $ 46,000 |
| Kansas City, MO-KS | 2 | $ 598,000 | $ 299,000 | $ 62,500 |
| Naples-Marco Island, FL | 2 | $ 317,000 | $ 158,500 | $ 94,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 432,000 | $ 216,000 | $ 69,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 469,000 | $ 234,500 | $ 105,000 |
| Baltimore-Towson, MD | 1 | $ 225,000 | $ 225,000 | $ 168,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 230,000 | $ 230,000 | $ 46,000 |
| Colorado Springs, CO | 1 | $ 138,000 | $ 138,000 | $ 51,000 |
| Columbia, SC | 1 | $ 161,000 | $ 161,000 | $ 53,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| El Paso, TX | 1 | $ 146,000 | $ 146,000 | $ 64,000 |
| Elizabethtown, KY | 1 | $ 303,000 | $ 303,000 | $ 116,000 |
| Greensboro-High Point, NC | 1 | $ 156,000 | $ 156,000 | $ 75,000 |
| Jackson, TN | 1 | $ 218,000 | $ 218,000 | $ 100,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Lexington-Fayette, KY | 1 | $ 132,000 | $ 132,000 | $ 62,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 281,000 | $ 281,000 | $ 85,000 |
| Ocala, FL | 1 | $ 104,000 | $ 104,000 | $ 23,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 289,000 | $ 289,000 | $ 136,000 |
| Owensboro, KY | 1 | $ 172,000 | $ 172,000 | $ 70,000 |
| Port St. Lucie, FL | 1 | $ 99,000 | $ 99,000 | $ 66,000 |
| Savannah, GA | 1 | $ 326,000 | $ 326,000 | $ 58,000 |
| Warner Robins, GA | 1 | $ 107,000 | $ 107,000 | $ 86,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 250,000 | $ 250,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2010
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 | 2,496 | $397,807,000 | $159,000 | $4,500,000 | $68,000 | $1,520,000 |
| Refinancing | 1,610 | $296,473,000 | $184,000 | $3,263,000 | $86,000 | $1,040,000 |
| Home Improvement | 32 | $3,896,000 | $121,000 | $592,000 | $103,000 | $648,000 |
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 | 3,494 | $592,292,000 | $169,000 | $4,500,000 | $78,000 | $1,520,000 |
| Not Provided | 243 | $38,515,000 | $158,000 | $519,000 | $58,000 | $606,000 |
| Black or African American | 221 | $35,461,000 | $160,000 | $417,000 | $70,000 | $1,252,000 |
| Hispanic | 88 | $12,877,000 | $146,000 | $417,000 | $65,000 | $851,000 |
| Asian | 56 | $8,694,000 | $155,000 | $350,000 | $64,000 | $181,000 |
| Not applicable | 23 | $7,724,000 | $335,000 | $3,263,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,596,000 | $228,000 | $341,000 | $94,000 | $204,000 |
| American Indian or Alaskan Native | 6 | $1,017,000 | $169,000 | $250,000 | $83,000 | $162,000 |
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) | 2,011 | $358,797,000 | $178,000 | $4,500,000 | $97,000 | $1,520,000 |
| FHA-insured (Federal Housing Administration) | 1,303 | $203,450,000 | $156,000 | $442,000 | $55,000 | $1,252,000 |
| VA-guaranteed (Veterans Administration) | 650 | $112,397,000 | $172,000 | $564,000 | $58,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 174 | $23,532,000 | $135,000 | $286,000 | $41,000 | $84,000 |
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 | 3,189 | $541,789,000 | $169,000 | $3,263,000 | $77,000 | $1,520,000 |
| Application Withdrawn By Applicant | 446 | $81,171,000 | $181,000 | $1,272,000 | $79,000 | $1,029,000 |
| Application Denied By Financial Institution | 425 | $59,577,000 | $140,000 | $862,000 | $53,000 | $491,000 |
| Application Approved But Not Accepted | 63 | $12,608,000 | $200,000 | $4,500,000 | $104,000 | $1,403,000 |
| File Closed For Incompleteness | 15 | $3,031,000 | $202,000 | $675,000 | $52,000 | $132,000 |
| 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 | 199 | $24,461,000 | $122,000 | $417,000 | $41,000 | $344,000 |
| Collateral | 71 | $12,097,000 | $170,000 | $862,000 | $70,000 | $335,000 |
| Debt-To-Income Ratio | 68 | $9,220,000 | $135,000 | $417,000 | $57,000 | $252,000 |
| Other | 54 | $8,385,000 | $155,000 | $410,000 | $68,000 | $491,000 |
| Employment History | 19 | $2,847,000 | $149,000 | $417,000 | $58,000 | $209,000 |
| Unverifiable Information | 7 | $1,165,000 | $166,000 | $245,000 | $37,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,085,000 | $271,000 | $417,000 | $153,000 | $360,000 |
| Credit Application Incomplete | 2 | $195,000 | $97,000 | $105,000 | $48,000 | $64,000 |
| Mortgage Insurance Denied | 1 | $122,000 | $122,000 | $122,000 | $71,000 | $71,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2010 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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with aggregated HMDA statistics today.
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