F&M Bank Mortgage Lending & HMDA Data, 2012
In 2012, F&M Bank of Clarksville, TN reported 4,158 mortgage applications totaling $777.7 million, up 40% from 2011. The average application was for $187,026, and applicants reported an average income of $81,722. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,841), Clarksville, TN-KY (968) and Jackson, MS (31) (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 | 4,158 |
| Total Mortgage Loan Application Amount | $777,655,000 |
| Average Mortgage Loan Application Amount | $187,026 |
| Highest Mortgage Loan Application Amount | $2,630,000 |
| Average Applicant Income | $81,722 |
| Highest Applicant Income | $2,573,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,841 | $ 558,453,000 | $ 196,569 | $ 87,000 |
| Clarksville, TN-KY | 968 | $ 157,095,000 | $ 162,288 | $ 68,820 |
| Jackson, MS | 31 | $ 5,011,000 | $ 161,645 | $ 69,000 |
| Bowling Green, KY | 10 | $ 1,420,000 | $ 142,000 | $ 66,000 |
| Cleveland, TN | 6 | $ 1,329,000 | $ 221,500 | $ 71,000 |
| Memphis, TN-MS-AR | 6 | $ 804,000 | $ 134,000 | $ 63,333 |
| Chattanooga, TN-GA | 5 | $ 755,000 | $ 151,000 | $ 49,600 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 670,000 | $ 223,333 | $ 81,000 |
| Birmingham-Hoover, AL | 3 | $ 628,000 | $ 209,333 | $ 70,000 |
| Florence-Muscle Shoals, AL | 2 | $ 317,000 | $ 158,500 | $ 385,000 |
| Johnson City, TN | 2 | $ 386,000 | $ 193,000 | $ 102,000 |
| Knoxville, TN | 2 | $ 396,000 | $ 198,000 | $ 119,000 |
| Morristown, TN | 2 | $ 369,000 | $ 184,500 | $ 89,000 |
| Asheville, NC | 1 | $ 417,000 | $ 417,000 | $ 268,000 |
| Auburn-Opelika, AL | 1 | $ 249,000 | $ 249,000 | $ 49,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 169,000 | $ 169,000 | $ 72,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 601,000 | $ 601,000 | $ 297,000 |
| Brunswick, GA | 1 | $ 183,000 | $ 183,000 | $ 114,000 |
| Colorado Springs, CO | 1 | $ 124,000 | $ 124,000 | $ 117,000 |
| Columbus, OH | 1 | $ 160,000 | $ 160,000 | $ 201,000 |
| Dallas-Plano-Irving, TX | 1 | $ 105,000 | $ 105,000 | $ 156,000 |
| Elizabethtown, KY | 1 | $ 152,000 | $ 152,000 | $ 32,000 |
| Huntsville, AL | 1 | $ 308,000 | $ 308,000 | $ 78,000 |
| Indianapolis-Carmel, IN | 1 | $ 191,000 | $ 191,000 | $ 132,000 |
| Jacksonville, FL | 1 | $ 360,000 | $ 360,000 | $ 82,000 |
| Kansas City, MO-KS | 1 | $ 177,000 | $ 177,000 | $ 174,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 212,000 | $ 212,000 | $ 122,000 |
| Lafayette, IN | 1 | $ 79,000 | $ 79,000 | $ 30,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 265,000 | $ 265,000 | $ 116,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 117,000 | $ 117,000 | $ 61,000 |
| Macon, GA | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 77,000 | $ 77,000 | $ 82,000 |
| Naples-Marco Island, FL | 1 | $ 244,000 | $ 244,000 | $ 182,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 208,000 | $ 208,000 | $ 51,000 |
| Oklahoma City, OK | 1 | $ 142,000 | $ 142,000 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 77,000 | $ 77,000 | $ 10,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 194,000 | $ 194,000 | $ 63,000 |
| Punta Gorda, FL | 1 | $ 46,000 | $ 46,000 | $ 27,000 |
| Raleigh-Cary, NC | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 260,000 | $ 260,000 | $ 56,000 |
| Tallahassee, FL | 1 | $ 40,000 | $ 40,000 | $ 18,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Toledo, OH | 1 | $ 150,000 | $ 150,000 | $ 183,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 260,000 | $ 260,000 | $ 142,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2012
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 | 2,484 | $448,617,000 | $180,000 | $1,440,000 | $79,000 | $2,573,000 |
| Refinancing | 1,656 | $327,017,000 | $197,000 | $2,630,000 | $86,000 | $1,183,000 |
| Home Improvement | 18 | $2,021,000 | $112,000 | $438,000 | $64,000 | $260,000 |
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 | 3,445 | $648,090,000 | $188,000 | $2,630,000 | $84,000 | $2,573,000 |
| Not Provided | 301 | $59,127,000 | $196,000 | $417,000 | $85,000 | $864,000 |
| Black or African American | 217 | $35,748,000 | $164,000 | $601,000 | $61,000 | $347,000 |
| Hispanic | 93 | $13,749,000 | $147,000 | $350,000 | $65,000 | $660,000 |
| Asian | 71 | $11,336,000 | $159,000 | $409,000 | $65,000 | $250,000 |
| Not applicable | 18 | $6,946,000 | $385,000 | $1,300,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $2,123,000 | $193,000 | $394,000 | $67,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $536,000 | $268,000 | $300,000 | $133,000 | $196,000 |
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) | 2,260 | $453,509,000 | $200,000 | $2,630,000 | $104,000 | $2,573,000 |
| FHA-insured (Federal Housing Administration) | 1,006 | $167,566,000 | $166,000 | $437,000 | $58,000 | $287,000 |
| VA-guaranteed (Veterans Administration) | 696 | $130,516,000 | $187,000 | $652,000 | $58,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 196 | $26,064,000 | $132,000 | $281,000 | $41,000 | $100,000 |
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 | 3,343 | $636,451,000 | $190,000 | $1,198,000 | $84,000 | $2,573,000 |
| Application Denied By Financial Institution | 413 | $65,899,000 | $159,000 | $1,440,000 | $63,000 | $660,000 |
| Application Withdrawn By Applicant | 356 | $65,186,000 | $183,000 | $680,000 | $77,000 | $325,000 |
| Application Approved But Not Accepted | 45 | $9,702,000 | $215,000 | $2,630,000 | $115,000 | $1,183,000 |
| File Closed For Incompleteness | 1 | $417,000 | $417,000 | $417,000 | $206,000 | $206,000 |
| 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 | 140 | $16,626,000 | $118,000 | $397,000 | $51,000 | $660,000 |
| Collateral | 112 | $17,897,000 | $159,000 | $518,000 | $84,000 | $372,000 |
| Debt-To-Income Ratio | 93 | $17,948,000 | $192,000 | $1,440,000 | $49,000 | $186,000 |
| Other | 33 | $6,708,000 | $203,000 | $1,148,000 | $69,000 | $169,000 |
| Employment History | 17 | $3,067,000 | $180,000 | $393,000 | $73,000 | $388,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,990,000 | $221,000 | $635,000 | $77,000 | $175,000 |
| Unverifiable Information | 7 | $1,344,000 | $192,000 | $417,000 | $95,000 | $212,000 |
| Credit Application Incomplete | 2 | $319,000 | $159,000 | $187,000 | $41,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2012 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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