F&M Bank Mortgage Lending & HMDA Data, 2019
In 2019, F&M Bank of Clarksville, TN reported 3,636 mortgage applications totaling $942.0 million, up 23% from 2018. The average application was for $259,062, and applicants reported an average income of $114,630. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,354), Clarksville, TN-KY (1,054) and Knoxville, TN (15) (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 | 3,636 |
| Total Mortgage Loan Application Amount | $941,950,000 |
| Average Mortgage Loan Application Amount | $259,062 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $114,630 |
| Highest Applicant Income | $3,900,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,354 | $ 676,100,000 | $ 287,213 | $ 121,000 |
| Clarksville, TN-KY | 1,054 | $ 211,660,000 | $ 200,815 | $ 99,565 |
| Outside any metro area | 120 | $ 24,870,000 | $ 207,250 | $ 99,625 |
| Knoxville, TN | 15 | $ 3,345,000 | $ 223,000 | $ 89,000 |
| Chattanooga, TN-GA | 11 | $ 2,045,000 | $ 185,909 | $ 120,000 |
| Memphis, TN-MS-AR | 7 | $ 2,505,000 | $ 357,857 | $ 150,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 1,740,000 | $ 290,000 | $ 149,000 |
| Panama City, FL | 6 | $ 1,450,000 | $ 241,666 | $ 107,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,500,000 | $ 375,000 | $ 154,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 645,000 | $ 215,000 | $ 193,000 |
| Birmingham-Hoover, AL | 3 | $ 865,000 | $ 288,333 | $ 70,000 |
| Bowling Green, KY | 3 | $ 835,000 | $ 278,333 | $ 62,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,905,000 | $ 635,000 | $ 296,000 |
| Cleveland, TN | 2 | $ 490,000 | $ 245,000 | $ 129,000 |
| Columbus, GA-AL | 2 | $ 660,000 | $ 330,000 | $ 110,000 |
| Columbus, OH | 2 | $ 730,000 | $ 365,000 | $ 381,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 600,000 | $ 300,000 | $ 148,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 490,000 | $ 245,000 | $ 100,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Huntsville, AL | 2 | $ 300,000 | $ 150,000 | $ 61,000 |
| Jacksonville, FL | 2 | $ 520,000 | $ 260,000 | $ 70,000 |
| Raleigh, NC | 2 | $ 910,000 | $ 455,000 | $ 161,000 |
| Springfield, OH | 2 | $ 550,000 | $ 275,000 | $ 111,000 |
| St. Louis, MO-IL | 2 | $ 390,000 | $ 195,000 | $ 132,500 |
| Appleton, WI | 1 | $ 185,000 | $ 185,000 | $ 300,000 |
| Athens-Clarke County, GA | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 295,000 | $ 295,000 | $ 117,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 365,000 | $ 365,000 | $ 112,000 |
| Cincinnati, OH-KY-IN | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Columbia, SC | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 425,000 | $ 425,000 | $ 111,000 |
| Decatur, AL | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Durham-Chapel Hill, NC | 1 | $ 365,000 | $ 365,000 | $ 182,000 |
| Greensboro-High Point, NC | 1 | $ 525,000 | $ 525,000 | $ 152,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Homosassa Springs, FL | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Jackson, MS | 1 | $ 305,000 | $ 305,000 | $ 380,000 |
| Jackson, TN | 1 | $ 75,000 | $ 75,000 | $ 195,000 |
| Jacksonville, NC | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 225,000 | $ 225,000 | $ 42,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 285,000 | $ 285,000 | $ 62,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| New Orleans-Metairie, LA | 1 | $ 245,000 | $ 245,000 | $ 121,000 |
| San Antonio-New Braunfels, TX | 1 | $ 115,000 | $ 115,000 | $ 121,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Spokane-Spokane Valley, WA | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 395,000 | $ 395,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2019
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 | 2,891 | $745,085,000 | $257,000 | $1,375,000 | $111,000 | $3,900,000 |
| Refinancing | 387 | $103,435,000 | $267,000 | $1,205,000 | $147,000 | $1,895,000 |
| Cash-out Refinancing | 291 | $82,255,000 | $282,000 | $1,505,000 | $105,000 | $518,000 |
| Other Purpose | 52 | $9,510,000 | $182,000 | $485,000 | $123,000 | $831,000 |
| Home Improvement | 15 | $1,665,000 | $111,000 | $335,000 | $137,000 | $260,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,892 | $754,720,000 | $260,000 | $1,505,000 | $118,000 | $3,900,000 |
| Not Provided | 241 | $67,225,000 | $278,000 | $1,325,000 | $122,000 | $654,000 |
| Black or African American | 206 | $48,300,000 | $234,000 | $565,000 | $75,000 | $392,000 |
| Hispanic | 142 | $32,960,000 | $232,000 | $535,000 | $76,000 | $184,000 |
| Asian | 84 | $21,480,000 | $255,000 | $855,000 | $114,000 | $326,000 |
| Not applicable | 52 | $11,680,000 | $224,000 | $655,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $2,620,000 | $262,000 | $425,000 | $118,000 | $223,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $360,000 | $180,000 | $215,000 | $41,000 | $51,000 |
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) | 2,477 | $668,995,000 | $270,000 | $1,505,000 | $135,000 | $3,900,000 |
| VA-guaranteed (Veterans Administration) | 621 | $154,215,000 | $248,000 | $1,375,000 | $77,000 | $311,000 |
| FHA-insured (Federal Housing Administration) | 499 | $111,565,000 | $223,000 | $545,000 | $68,000 | $313,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $7,175,000 | $183,000 | $285,000 | $54,000 | $90,000 |
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 | 2,987 | $786,605,000 | $263,000 | $1,375,000 | $117,000 | $3,900,000 |
| Application Withdrawn By Applicant | 485 | $124,435,000 | $256,000 | $1,505,000 | $103,000 | $660,000 |
| Application Denied By Financial Institution | 131 | $25,205,000 | $192,000 | $635,000 | $89,000 | $2,221,000 |
| Application Approved But Not Accepted | 28 | $4,300,000 | $153,000 | $655,000 | $94,000 | $235,000 |
| File Closed For Incompleteness | 3 | $1,215,000 | $405,000 | $805,000 | $394,000 | $831,000 |
| Loan Purchased By The Institution | 2 | $190,000 | $95,000 | $185,000 | $45,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,505 | $916,745,000 | $261,000 | $1,505,000 | $115,000 | $3,900,000 |
| Credit History | 45 | $5,835,000 | $129,000 | $365,000 | $106,000 | $2,221,000 |
| Debt-To-Income Ratio | 45 | $11,305,000 | $251,000 | $625,000 | $74,000 | $522,000 |
| Collateral | 13 | $2,075,000 | $159,000 | $425,000 | $89,000 | $211,000 |
| Other | 11 | $2,155,000 | $195,000 | $455,000 | $78,000 | $148,000 |
| Unverifiable Information | 10 | $2,310,000 | $231,000 | $445,000 | $93,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $980,000 | $245,000 | $635,000 | $87,000 | $192,000 |
| Employment History | 3 | $545,000 | $181,000 | $205,000 | $59,000 | $109,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2019 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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