F&M Bank Mortgage Lending & HMDA Data, 2011
In 2011, F&M Bank of Clarksville, TN reported 2,964 mortgage applications totaling $496.4 million, down 28% from 2010. The average application was for $167,490, and applicants reported an average income of $76,469. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (1,852), Clarksville, TN-KY (859) and Jackson, MS (21) (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 | 2,964 |
| Total Mortgage Loan Application Amount | $496,442,000 |
| Average Mortgage Loan Application Amount | $167,490 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $76,469 |
| Highest Applicant Income | $4,066,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,852 | $ 324,573,000 | $ 175,255 | $ 78,000 |
| Clarksville, TN-KY | 859 | $ 134,300,000 | $ 156,344 | $ 74,585 |
| Jackson, MS | 21 | $ 3,387,000 | $ 161,285 | $ 61,000 |
| Memphis, TN-MS-AR | 13 | $ 1,550,000 | $ 119,230 | $ 88,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 760,000 | $ 253,333 | $ 129,000 |
| Chattanooga, TN-GA | 3 | $ 355,000 | $ 118,333 | $ 78,000 |
| Fayetteville, NC | 3 | $ 509,000 | $ 169,666 | $ 45,000 |
| Knoxville, TN | 3 | $ 453,000 | $ 151,000 | $ 22,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 625,000 | $ 208,333 | $ 147,000 |
| Bowling Green, KY | 2 | $ 324,000 | $ 162,000 | $ 73,000 |
| Auburn-Opelika, AL | 1 | $ 162,000 | $ 162,000 | $ 172,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 180,000 | $ 180,000 | $ 116,000 |
| Baltimore-Towson, MD | 1 | $ 332,000 | $ 332,000 | $ 219,000 |
| Birmingham-Hoover, AL | 1 | $ 219,000 | $ 219,000 | $ 51,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 70,000 | $ 70,000 | $ 86,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 292,000 | $ 292,000 | $ 109,000 |
| Colorado Springs, CO | 1 | $ 121,000 | $ 121,000 | $ 97,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Fort Worth-Arlington, TX | 1 | $ 309,000 | $ 309,000 | $ 367,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 138,000 | $ 138,000 | $ 74,000 |
| Huntsville, AL | 1 | $ 59,000 | $ 59,000 | $ 101,000 |
| Jackson, TN | 1 | $ 194,000 | $ 194,000 | $ 89,000 |
| Jacksonville, FL | 1 | $ 110,000 | $ 110,000 | $ 106,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 209,000 | $ 209,000 | $ 85,000 |
| Pascagoula, MS | 1 | $ 236,000 | $ 236,000 | $ 349,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 438,000 | $ 438,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2011
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 | 1,968 | $315,132,000 | $160,000 | $954,000 | $72,000 | $4,066,000 |
| Refinancing | 979 | $180,329,000 | $184,000 | $1,575,000 | $86,000 | $1,159,000 |
| Home Improvement | 17 | $981,000 | $57,000 | $180,000 | $45,000 | $105,000 |
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 | 2,462 | $416,319,000 | $169,000 | $1,575,000 | $78,000 | $1,168,000 |
| Black or African American | 173 | $25,851,000 | $149,000 | $954,000 | $79,000 | $4,066,000 |
| Not Provided | 170 | $29,883,000 | $175,000 | $417,000 | $72,000 | $479,000 |
| Hispanic | 70 | $10,884,000 | $155,000 | $367,000 | $56,000 | $150,000 |
| Asian | 58 | $8,795,000 | $151,000 | $356,000 | $72,000 | $454,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,734,000 | $144,000 | $204,000 | $69,000 | $143,000 |
| Not applicable | 12 | $2,143,000 | $178,000 | $440,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $833,000 | $119,000 | $208,000 | $55,000 | $93,000 |
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) | 1,390 | $245,498,000 | $176,000 | $1,575,000 | $99,000 | $4,066,000 |
| FHA-insured (Federal Housing Administration) | 840 | $130,032,000 | $154,000 | $437,000 | $58,000 | $652,000 |
| VA-guaranteed (Veterans Administration) | 598 | $103,961,000 | $173,000 | $624,000 | $59,000 | $289,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 136 | $16,951,000 | $124,000 | $238,000 | $40,000 | $74,000 |
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 | 2,282 | $386,697,000 | $169,000 | $1,575,000 | $78,000 | $4,066,000 |
| Application Denied By Financial Institution | 313 | $51,111,000 | $163,000 | $1,014,000 | $66,000 | $530,000 |
| Application Withdrawn By Applicant | 222 | $35,867,000 | $161,000 | $485,000 | $77,000 | $1,159,000 |
| Application Approved But Not Accepted | 146 | $22,627,000 | $154,000 | $471,000 | $78,000 | $554,000 |
| File Closed For Incompleteness | 1 | $140,000 | $140,000 | $140,000 | $128,000 | $128,000 |
| 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 | 113 | $16,175,000 | $143,000 | $430,000 | $53,000 | $231,000 |
| Collateral | 79 | $14,388,000 | $182,000 | $750,000 | $82,000 | $349,000 |
| Debt-To-Income Ratio | 77 | $13,023,000 | $169,000 | $1,014,000 | $50,000 | $357,000 |
| Other | 17 | $2,971,000 | $174,000 | $385,000 | $128,000 | $530,000 |
| Employment History | 14 | $1,880,000 | $134,000 | $280,000 | $65,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,674,000 | $205,000 | $537,000 | $99,000 | $250,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2011 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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