F&M Bank Mortgage Lending & HMDA Data, 2005
In 2005, F&M Bank of Clarksville, TN reported 762 mortgage applications totaling $84.4 million, up 12% from 2004. The average application was for $110,812, and applicants reported an average income of $55,345. 89% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Clarksville, TN-KY (518), Nashville-Davidson--Murfreesboro, TN (202) and Panama City-Lynn Haven, FL (2) (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 | 762 |
| Total Mortgage Loan Application Amount | $84,439,000 |
| Average Mortgage Loan Application Amount | $110,812 |
| Highest Mortgage Loan Application Amount | $772,000 |
| Average Applicant Income | $55,345 |
| Highest Applicant Income | $1,925,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for F&M Bank in 2005
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 | 467 | $53,758,000 | $103,250 | $772,000 | $114,250 | $1,925,000 |
| Refinancing | 288 | $30,421,000 | $86,000 | $613,000 | $48,000 | $467,000 |
| Home Improvement | 7 | $260,000 | $37,000 | $70,000 | $39,000 | $70,000 |
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 | 693 | $76,500,000 | $104,500 | $761,000 | $117,750 | $1,925,000 |
| Black or African American | 34 | $3,350,000 | $71,500 | $253,000 | $31,000 | $102,000 |
| Hispanic | 16 | $1,575,000 | $98,000 | $177,000 | $41,000 | $141,000 |
| Not applicable | 7 | $2,005,000 | $286,000 | $772,000 | $22,000 | $209,000 |
| Not Provided | 4 | $105,000 | $26,000 | $60,000 | $35,000 | $71,000 |
| Asian | 4 | $507,000 | $126,000 | $234,000 | $45,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $203,000 | $67,000 | $119,000 | $66,000 | $86,000 |
| American Indian or Alaskan Native | 1 | $194,000 | $194,000 | $194,000 | $41,000 | $41,000 |
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) | 572 | $61,120,000 | $98,000 | $772,000 | $115,750 | $1,925,000 |
| VA-guaranteed (Veterans Administration) | 125 | $16,365,000 | $110,000 | $281,000 | $40,500 | $160,000 |
| FHA-insured (Federal Housing Administration) | 65 | $6,954,000 | $106,000 | $222,000 | $48,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 678 | $77,129,000 | $104,250 | $772,000 | $115,000 | $1,925,000 |
| Application Denied By Financial Institution | 43 | $3,560,000 | $46,333 | $352,000 | $34,333 | $135,000 |
| Application Withdrawn By Applicant | 21 | $1,536,000 | $73,000 | $157,000 | $64,000 | $188,000 |
| Application Approved But Not Accepted | 19 | $2,165,000 | $113,000 | $287,000 | $62,000 | $122,000 |
| File Closed For Incompleteness | 1 | $49,000 | $49,000 | $49,000 | $60,000 | $60,000 |
| 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 | 16 | $896,000 | $47,500 | $116,000 | $43,000 | $80,000 |
| Debt-To-Income Ratio | 9 | $895,000 | $53,333 | $352,000 | $26,666 | $70,000 |
| Other | 6 | $573,000 | $63,000 | $194,000 | $41,500 | $132,000 |
| Collateral | 4 | $588,000 | $147,000 | $347,000 | $81,000 | $135,000 |
| Employment History | 2 | $217,000 | $108,000 | $120,000 | $31,000 | $60,000 |
| Credit Application Incomplete | 1 | $106,000 | $106,000 | $106,000 | $25,000 | $25,000 |
| Unverifiable Information | 1 | $96,000 | $96,000 | $96,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2005 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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with aggregated HMDA statistics today.
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