F&M Bank Mortgage Lending & HMDA Data, 2014
In 2014, F&M Bank of Clarksville, TN reported 3,181 mortgage applications totaling $626.2 million, down 28% from 2013. The average application was for $196,860, and applicants reported an average income of $106,021. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,203), Clarksville, TN-KY (769) and Atlanta-Sandy Springs-Roswell, GA (10) (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 | 3,181 |
| Total Mortgage Loan Application Amount | $626,214,000 |
| Average Mortgage Loan Application Amount | $196,860 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $106,021 |
| Highest Applicant Income | $2,159,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,203 | $ 460,619,000 | $ 209,087 | $ 105,000 |
| Clarksville, TN-KY | 769 | $ 130,517,000 | $ 169,723 | $ 106,553 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 2,088,000 | $ 208,800 | $ 80,000 |
| Knoxville, TN | 8 | $ 1,444,000 | $ 180,500 | $ 87,000 |
| Chattanooga, TN-GA | 4 | $ 629,000 | $ 157,250 | $ 81,250 |
| Birmingham-Hoover, AL | 3 | $ 1,004,000 | $ 334,666 | $ 129,000 |
| Memphis, TN-MS-AR | 3 | $ 521,000 | $ 173,666 | $ 82,000 |
| Brunswick, GA | 2 | $ 444,000 | $ 222,000 | $ 105,000 |
| Jacksonville, FL | 2 | $ 623,000 | $ 311,500 | $ 193,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 469,000 | $ 234,500 | $ 109,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 907,000 | $ 453,500 | $ 117,000 |
| Raleigh, NC | 2 | $ 598,000 | $ 299,000 | $ 111,000 |
| Austin-Round Rock, TX | 1 | $ 127,000 | $ 127,000 | $ 31,000 |
| Charleston-North Charleston, SC | 1 | $ 397,000 | $ 397,000 | $ 157,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 231,000 | $ 231,000 | $ 146,000 |
| Cleveland, TN | 1 | $ 182,000 | $ 182,000 | $ 81,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 176,000 | $ 176,000 | $ 284,000 |
| Durham-Chapel Hill, NC | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Fayetteville, NC | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Hammond, LA | 1 | $ 169,000 | $ 169,000 | $ 105,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 306,000 | $ 306,000 | $ 154,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 172,000 | $ 172,000 | $ 402,000 |
| Manchester-Nashua, NH | 1 | $ 200,000 | $ 200,000 | $ 34,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 760,000 | $ 760,000 | $ 887,000 |
| Oklahoma City, OK | 1 | $ 326,000 | $ 326,000 | $ 124,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 100,000 | $ 100,000 | $ 398,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 311,000 | $ 311,000 | $ 337,000 |
| Saginaw, MI | 1 | $ 310,000 | $ 310,000 | $ 66,000 |
| San Antonio-New Braunfels, TX | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Savannah, GA | 1 | $ 236,000 | $ 236,000 | $ 92,000 |
| Sebring, FL | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 308,000 | $ 308,000 | $ 131,000 |
| Valdosta, GA | 1 | $ 116,000 | $ 116,000 | $ 63,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2014
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 | 2,510 | $499,978,000 | $199,000 | $1,680,000 | $93,000 | $2,159,000 |
| Refinancing | 648 | $122,376,000 | $188,000 | $1,800,000 | $156,000 | $1,919,000 |
| Home Improvement | 23 | $3,860,000 | $167,000 | $816,000 | $119,000 | $306,000 |
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 | 2,538 | $499,137,000 | $196,000 | $1,280,000 | $113,000 | $2,159,000 |
| Not Provided | 274 | $62,306,000 | $227,000 | $1,088,000 | $103,000 | $947,000 |
| Black or African American | 147 | $25,372,000 | $172,000 | $629,000 | $70,000 | $950,000 |
| Not applicable | 102 | $16,326,000 | $160,000 | $1,800,000 | $0 | $0 |
| Hispanic | 64 | $10,357,000 | $161,000 | $327,000 | $75,000 | $398,000 |
| Asian | 43 | $10,085,000 | $234,000 | $417,000 | $96,000 | $596,000 |
| American Indian or Alaskan Native | 9 | $1,958,000 | $217,000 | $652,000 | $137,000 | $478,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $673,000 | $168,000 | $194,000 | $57,000 | $70,000 |
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) | 2,080 | $425,431,000 | $204,000 | $1,800,000 | $129,000 | $2,159,000 |
| VA-guaranteed (Veterans Administration) | 480 | $100,242,000 | $208,000 | $652,000 | $71,000 | $478,000 |
| FHA-insured (Federal Housing Administration) | 464 | $78,246,000 | $168,000 | $439,000 | $59,000 | $453,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 157 | $22,295,000 | $142,000 | $273,000 | $44,000 | $93,000 |
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 | 2,456 | $497,261,000 | $202,000 | $1,680,000 | $110,000 | $2,159,000 |
| Application Withdrawn By Applicant | 399 | $82,814,000 | $207,000 | $1,800,000 | $89,000 | $778,000 |
| Application Denied By Financial Institution | 282 | $39,569,000 | $140,000 | $700,000 | $79,000 | $1,919,000 |
| Application Approved But Not Accepted | 42 | $5,815,000 | $138,000 | $417,000 | $188,000 | $1,290,000 |
| File Closed For Incompleteness | 2 | $755,000 | $377,000 | $725,000 | $6,000 | $12,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 96 | $11,229,000 | $116,000 | $700,000 | $99,000 | $1,919,000 |
| Credit History | 86 | $10,895,000 | $126,000 | $417,000 | $72,000 | $300,000 |
| Debt-To-Income Ratio | 59 | $10,195,000 | $172,000 | $528,000 | $62,000 | $349,000 |
| Employment History | 13 | $1,823,000 | $140,000 | $225,000 | $40,000 | $65,000 |
| Other | 13 | $2,320,000 | $178,000 | $519,000 | $81,000 | $191,000 |
| Unverifiable Information | 9 | $1,573,000 | $174,000 | $352,000 | $70,000 | $167,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,334,000 | $266,000 | $369,000 | $103,000 | $129,000 |
| Credit Application Incomplete | 1 | $200,000 | $200,000 | $200,000 | $85,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2014 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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