F&M Bank Mortgage Lending & HMDA Data, 2021
In 2021, F&M Bank of Clarksville, TN reported 3,990 mortgage applications totaling $1.3 billion, down 17% from 2020. The average application was for $315,345, and applicants reported an average income of $135,751. 83% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,620), Clarksville, TN-KY (1,021) and Knoxville, TN (18) (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 | 3,990 |
| Total Mortgage Loan Application Amount | $1,258,230,000 |
| Average Mortgage Loan Application Amount | $315,345 |
| Highest Mortgage Loan Application Amount | $8,325,000 |
| Average Applicant Income | $135,751 |
| 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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,620 | $ 867,680,000 | $ 331,175 | $ 132,000 |
| Clarksville, TN-KY | 1,021 | $ 289,455,000 | $ 283,501 | $ 136,175 |
| Outside any metro area | 208 | $ 54,630,000 | $ 262,644 | $ 149,777 |
| Knoxville, TN | 18 | $ 4,830,000 | $ 268,333 | $ 117,000 |
| Chattanooga, TN-GA | 14 | $ 3,400,000 | $ 242,857 | $ 260,000 |
| Memphis, TN-MS-AR | 12 | $ 3,160,000 | $ 263,333 | $ 125,416 |
| Birmingham-Hoover, AL | 7 | $ 3,125,000 | $ 446,428 | $ 108,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 3,370,000 | $ 561,666 | $ 331,000 |
| Bowling Green, KY | 5 | $ 1,345,000 | $ 269,000 | $ 349,000 |
| Fayetteville, NC | 5 | $ 1,255,000 | $ 251,000 | $ 72,000 |
| Panama City, FL | 5 | $ 1,575,000 | $ 315,000 | $ 431,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 2,235,000 | $ 447,000 | $ 355,000 |
| Huntsville, AL | 4 | $ 990,000 | $ 247,500 | $ 242,000 |
| Jackson, TN | 4 | $ 1,490,000 | $ 372,500 | $ 234,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 870,000 | $ 217,500 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 805,000 | $ 268,333 | $ 217,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 975,000 | $ 325,000 | $ 161,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 710,000 | $ 355,000 | $ 112,000 |
| Columbus, OH | 2 | $ 660,000 | $ 330,000 | $ 177,000 |
| Jacksonville, FL | 2 | $ 830,000 | $ 415,000 | $ 275,000 |
| Montgomery, AL | 2 | $ 580,000 | $ 290,000 | $ 68,000 |
| Morristown, TN | 2 | $ 380,000 | $ 190,000 | $ 88,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 850,000 | $ 425,000 | $ 160,000 |
| Owensboro, KY | 2 | $ 2,970,000 | $ 1,485,000 | $ 27,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 840,000 | $ 420,000 | $ 175,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 315,000 | $ 315,000 | $ 168,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 1 | $ 325,000 | $ 325,000 | $ 200,000 |
| Cleveland-Elyria, OH | 1 | $ 165,000 | $ 165,000 | $ 191,000 |
| Columbus, GA-AL | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Dallas-Plano-Irving, TX | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 425,000 | $ 425,000 | $ 115,000 |
| Decatur, AL | 1 | $ 235,000 | $ 235,000 | $ 237,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 168,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 425,000 | $ 425,000 | $ 68,000 |
| Durham-Chapel Hill, NC | 1 | $ 335,000 | $ 335,000 | $ 229,000 |
| Elgin, IL | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 325,000 | $ 325,000 | $ 122,000 |
| Evansville, IN-KY | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Gettysburg, PA | 1 | $ 255,000 | $ 255,000 | $ 155,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 405,000 | $ 405,000 | $ 203,000 |
| Greensboro-High Point, NC | 1 | $ 165,000 | $ 165,000 | $ 221,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 365,000 | $ 365,000 | $ 100,000 |
| Jonesboro, AR | 1 | $ 355,000 | $ 355,000 | $ 173,000 |
| Kansas City, MO-KS | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 195,000 | $ 195,000 | $ 249,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,320,000 |
| New Orleans-Metairie, LA | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 355,000 | $ 355,000 | $ 160,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 635,000 | $ 635,000 | $ 418,000 |
| Rochester, NY | 1 | $ 345,000 | $ 345,000 | $ 225,000 |
| St. Louis, MO-IL | 1 | $ 85,000 | $ 85,000 | $ 67,000 |
| Staunton-Waynesboro, VA | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Tucson, AZ | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2021
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 | 2,038 | $670,590,000 | $329,000 | $8,325,000 | $134,000 | $4,735,000 |
| Refinancing | 1,401 | $424,085,000 | $302,000 | $7,485,000 | $144,000 | $3,762,000 |
| Cash-out Refinancing | 526 | $159,500,000 | $303,000 | $1,495,000 | $121,000 | $1,800,000 |
| Other Purpose | 14 | $2,490,000 | $177,000 | $365,000 | $87,000 | $225,000 |
| Home Improvement | 11 | $1,565,000 | $142,000 | $245,000 | $177,000 | $224,000 |
| 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 | 3,046 | $938,420,000 | $308,000 | $8,325,000 | $139,000 | $4,735,000 |
| Not Provided | 339 | $113,145,000 | $333,000 | $1,045,000 | $148,000 | $753,000 |
| Black or African American | 181 | $48,225,000 | $266,000 | $575,000 | $84,000 | $607,000 |
| Not applicable | 148 | $81,390,000 | $549,000 | $7,485,000 | $0 | $0 |
| Asian | 125 | $32,335,000 | $258,000 | $705,000 | $127,000 | $525,000 |
| Hispanic | 117 | $34,285,000 | $293,000 | $1,315,000 | $108,000 | $639,000 |
| American Indian or Alaskan Native | 23 | $7,015,000 | $305,000 | $915,000 | $95,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,440,000 | $360,000 | $775,000 | $160,000 | $329,000 |
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) | 3,274 | $1,057,010,000 | $322,000 | $8,325,000 | $148,000 | $4,735,000 |
| VA-guaranteed (Veterans Administration) | 486 | $142,970,000 | $294,000 | $855,000 | $82,000 | $367,000 |
| FHA-insured (Federal Housing Administration) | 206 | $53,370,000 | $259,000 | $565,000 | $72,000 | $480,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $4,880,000 | $203,000 | $355,000 | $52,000 | $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 | 3,313 | $1,055,155,000 | $318,000 | $8,325,000 | $136,000 | $4,735,000 |
| Application Withdrawn By Applicant | 511 | $158,335,000 | $309,000 | $1,495,000 | $134,000 | $1,372,000 |
| Application Denied By Financial Institution | 137 | $34,355,000 | $250,000 | $1,155,000 | $109,000 | $1,800,000 |
| Application Approved But Not Accepted | 23 | $7,915,000 | $344,000 | $1,905,000 | $358,000 | $1,315,000 |
| File Closed For Incompleteness | 4 | $2,010,000 | $502,000 | $895,000 | $80,000 | $89,000 |
| Loan Purchased By The Institution | 2 | $460,000 | $230,000 | $295,000 | $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 | 3,853 | $1,223,875,000 | $317,000 | $8,325,000 | $137,000 | $4,735,000 |
| Debt-To-Income Ratio | 46 | $10,960,000 | $238,000 | $1,155,000 | $134,000 | $1,800,000 |
| Credit History | 31 | $6,435,000 | $207,000 | $485,000 | $73,000 | $192,000 |
| Collateral | 19 | $5,345,000 | $281,000 | $535,000 | $106,000 | $315,000 |
| Other | 12 | $3,570,000 | $297,000 | $965,000 | $128,000 | $278,000 |
| Unverifiable Information | 8 | $2,220,000 | $277,000 | $625,000 | $109,000 | $262,000 |
| Credit Application Incomplete | 8 | $2,480,000 | $310,000 | $655,000 | $104,000 | $259,000 |
| Employment History | 7 | $1,705,000 | $243,000 | $365,000 | $67,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,640,000 | $273,000 | $445,000 | $104,000 | $170,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2021 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About