F&M Bank Mortgage Lending & HMDA Data, 2020
In 2020, F&M Bank of Clarksville, TN reported 4,810 mortgage applications totaling $1.4 billion, up 32% from 2019. The average application was for $293,024, and applicants reported an average income of $123,040. 83% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (3,250), Clarksville, TN-KY (1,215) and Knoxville, TN (24) (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 | 4,810 |
| Total Mortgage Loan Application Amount | $1,409,450,000 |
| Average Mortgage Loan Application Amount | $293,024 |
| Highest Mortgage Loan Application Amount | $19,445,000 |
| Average Applicant Income | $123,040 |
| Highest Applicant Income | $4,735,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,250 | $ 1,026,510,000 | $ 315,849 | $ 126,000 |
| Clarksville, TN-KY | 1,215 | $ 291,425,000 | $ 239,855 | $ 109,432 |
| Outside any metro area | 180 | $ 41,640,000 | $ 231,333 | $ 113,072 |
| Knoxville, TN | 24 | $ 5,990,000 | $ 249,583 | $ 106,000 |
| Chattanooga, TN-GA | 21 | $ 5,065,000 | $ 241,190 | $ 155,000 |
| Atlanta-Sandy Springs-Roswell, GA | 12 | $ 3,760,000 | $ 313,333 | $ 138,000 |
| Birmingham-Hoover, AL | 10 | $ 3,490,000 | $ 349,000 | $ 140,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 3,900,000 | $ 487,500 | $ 281,000 |
| Memphis, TN-MS-AR | 5 | $ 1,465,000 | $ 293,000 | $ 135,000 |
| Huntsville, AL | 4 | $ 1,310,000 | $ 327,500 | $ 123,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 1,130,000 | $ 282,500 | $ 100,000 |
| Bowling Green, KY | 3 | $ 445,000 | $ 148,333 | $ 464,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 925,000 | $ 308,333 | $ 114,000 |
| Jackson, TN | 3 | $ 495,000 | $ 165,000 | $ 80,000 |
| Panama City, FL | 3 | $ 1,005,000 | $ 335,000 | $ 141,000 |
| Dallas-Plano-Irving, TX | 2 | $ 820,000 | $ 410,000 | $ 102,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 800,000 | $ 400,000 | $ 115,000 |
| Johnson City, TN | 2 | $ 850,000 | $ 425,000 | $ 185,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 580,000 | $ 290,000 | $ 123,000 |
| Monroe, LA | 2 | $ 740,000 | $ 370,000 | $ 187,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 700,000 | $ 350,000 | $ 177,000 |
| Oklahoma City, OK | 2 | $ 230,000 | $ 115,000 | $ 146,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 620,000 | $ 310,000 | $ 230,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 650,000 | $ 325,000 | $ 110,000 |
| Raleigh, NC | 2 | $ 840,000 | $ 420,000 | $ 182,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 970,000 | $ 485,000 | $ 200,000 |
| Spartanburg, SC | 2 | $ 530,000 | $ 265,000 | $ 59,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 700,000 | $ 350,000 | $ 86,000 |
| Asheville, NC | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Auburn-Opelika, AL | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Boise City, ID | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| Charleston-North Charleston, SC | 1 | $ 335,000 | $ 335,000 | $ 96,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 345,000 | $ 345,000 | $ 168,000 |
| Charlottesville, VA | 1 | $ 1,065,000 | $ 1,065,000 | $ 374,000 |
| Chicago-Naperville, IL | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Cincinnati, OH-KY-IN | 1 | $ 265,000 | $ 265,000 | $ 54,000 |
| Cleveland-Elyria, OH | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Colorado Springs, CO | 1 | $ 315,000 | $ 315,000 | $ 81,000 |
| Decatur, AL | 1 | $ 255,000 | $ 255,000 | $ 239,000 |
| Evansville, IN-KY | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Fayetteville, NC | 1 | $ 475,000 | $ 475,000 | $ 112,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Florence-Muscle Shoals, AL | 1 | $ 225,000 | $ 225,000 | $ 145,000 |
| Fort Worth-Arlington, TX | 1 | $ 425,000 | $ 425,000 | $ 259,000 |
| Greensboro-High Point, NC | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Hinesville, GA | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Jacksonville, FL | 1 | $ 425,000 | $ 425,000 | $ 162,000 |
| Killeen-Temple, TX | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Lexington-Fayette, KY | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Mobile, AL | 1 | $ 215,000 | $ 215,000 | $ 46,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 315,000 | $ 315,000 | $ 185,000 |
| New York-Newark, NY | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Newark, NJ-PA | 1 | $ 675,000 | $ 675,000 | $ 410,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 195,000 | $ 195,000 | $ 255,000 |
| Saginaw, MI | 1 | $ 285,000 | $ 285,000 | $ 74,000 |
| Sebastian-Vero Beach, FL | 1 | $ 385,000 | $ 385,000 | $ 156,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 325,000 | $ 325,000 | $ 148,000 |
| Tucson, AZ | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Tulsa, OK | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 395,000 | $ 395,000 | $ 187,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 355,000 | $ 355,000 | $ 1,500,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2020
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 | 2,879 | $811,935,000 | $282,000 | $7,685,000 | $112,000 | $4,735,000 |
| Refinancing | 1,469 | $468,815,000 | $319,000 | $19,445,000 | $145,000 | $3,170,000 |
| Cash-out Refinancing | 440 | $124,520,000 | $283,000 | $975,000 | $122,000 | $1,500,000 |
| Other Purpose | 19 | $4,005,000 | $210,000 | $515,000 | $126,000 | $480,000 |
| Home Improvement | 3 | $175,000 | $58,000 | $95,000 | $99,000 | $156,000 |
| 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 | 3,735 | $1,075,445,000 | $287,000 | $3,255,000 | $126,000 | $4,735,000 |
| Not Provided | 406 | $119,500,000 | $294,000 | $1,325,000 | $132,000 | $1,500,000 |
| Black or African American | 269 | $64,185,000 | $238,000 | $1,005,000 | $71,000 | $172,000 |
| Hispanic | 172 | $49,700,000 | $288,000 | $3,445,000 | $125,000 | $3,170,000 |
| Asian | 103 | $30,465,000 | $295,000 | $1,025,000 | $103,000 | $634,000 |
| Not applicable | 88 | $59,290,000 | $673,000 | $19,445,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $3,940,000 | $281,000 | $515,000 | $115,000 | $315,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,475,000 | $295,000 | $405,000 | $107,000 | $170,000 |
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) | 3,663 | $1,115,645,000 | $304,000 | $19,445,000 | $138,000 | $4,735,000 |
| VA-guaranteed (Veterans Administration) | 716 | $191,800,000 | $267,000 | $1,365,000 | $75,000 | $374,000 |
| FHA-insured (Federal Housing Administration) | 387 | $92,385,000 | $238,000 | $515,000 | $69,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $9,620,000 | $218,000 | $345,000 | $55,000 | $105,000 |
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 | 4,000 | $1,189,940,000 | $297,000 | $19,445,000 | $124,000 | $4,735,000 |
| Application Withdrawn By Applicant | 673 | $187,765,000 | $278,000 | $1,445,000 | $118,000 | $1,788,000 |
| Application Denied By Financial Institution | 117 | $24,655,000 | $210,000 | $1,005,000 | $88,000 | $609,000 |
| Application Approved But Not Accepted | 20 | $7,090,000 | $354,000 | $1,285,000 | $153,000 | $583,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,693 | $1,384,795,000 | $295,000 | $19,445,000 | $123,000 | $4,735,000 |
| Credit History | 36 | $6,790,000 | $188,000 | $375,000 | $74,000 | $222,000 |
| Debt-To-Income Ratio | 35 | $9,185,000 | $262,000 | $1,005,000 | $67,000 | $166,000 |
| Collateral | 12 | $2,110,000 | $175,000 | $435,000 | $120,000 | $419,000 |
| Unverifiable Information | 11 | $2,145,000 | $195,000 | $335,000 | $153,000 | $415,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,420,000 | $177,000 | $305,000 | $86,000 | $244,000 |
| Other | 7 | $1,485,000 | $212,000 | $345,000 | $140,000 | $609,000 |
| Employment History | 7 | $1,455,000 | $207,000 | $295,000 | $50,000 | $68,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $83,000 | $83,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2020 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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