F&M Bank Mortgage Lending & HMDA Data, 2013
In 2013, F&M Bank of Clarksville, TN reported 4,430 mortgage applications totaling $870.0 million, up 7% from 2012. The average application was for $196,383, and applicants reported an average income of $90,548. 70% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (3,152), Clarksville, TN-KY (844) and Jackson, MS (32) (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 | 4,430 |
| Total Mortgage Loan Application Amount | $869,979,000 |
| Average Mortgage Loan Application Amount | $196,383 |
| Highest Mortgage Loan Application Amount | $4,628,000 |
| Average Applicant Income | $90,548 |
| Highest Applicant Income | $2,146,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 2,782 | $536,050,000 | $192,000 | $1,320,000 | $84,000 | $1,646,000 |
| Refinancing | 1,632 | $331,417,000 | $203,000 | $4,628,000 | $101,000 | $2,146,000 |
| Home Improvement | 16 | $2,512,000 | $157,000 | $784,000 | $163,000 | $568,000 |
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 | 3,624 | $703,586,000 | $194,000 | $2,722,000 | $92,000 | $2,146,000 |
| Not Provided | 446 | $93,959,000 | $210,000 | $1,000,000 | $96,000 | $1,380,000 |
| Black or African American | 152 | $24,685,000 | $162,000 | $509,000 | $59,000 | $293,000 |
| Hispanic | 93 | $17,887,000 | $192,000 | $417,000 | $76,000 | $550,000 |
| Asian | 64 | $11,709,000 | $182,000 | $830,000 | $89,000 | $698,000 |
| Not applicable | 28 | $13,670,000 | $488,000 | $4,628,000 | $2,000 | $64,000 |
| American Indian or Alaskan Native | 12 | $2,394,000 | $199,000 | $492,000 | $119,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,089,000 | $189,000 | $310,000 | $111,000 | $619,000 |
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) | 2,740 | $580,325,000 | $211,000 | $4,628,000 | $110,000 | $2,146,000 |
| FHA-insured (Federal Housing Administration) | 899 | $148,178,000 | $164,000 | $509,000 | $61,000 | $1,392,000 |
| VA-guaranteed (Veterans Administration) | 552 | $110,016,000 | $199,000 | $635,000 | $64,000 | $393,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 239 | $31,460,000 | $131,000 | $311,000 | $42,000 | $87,000 |
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 | 3,085 | $615,810,000 | $199,000 | $4,628,000 | $91,000 | $2,146,000 |
| Application Withdrawn By Applicant | 890 | $180,333,000 | $202,000 | $1,824,000 | $98,000 | $1,392,000 |
| Application Denied By Financial Institution | 413 | $68,170,000 | $165,000 | $975,000 | $69,000 | $1,646,000 |
| Application Approved But Not Accepted | 42 | $5,666,000 | $134,000 | $636,000 | $112,000 | $1,038,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 162 | $23,592,000 | $145,000 | $763,000 | $53,000 | $360,000 |
| Debt-To-Income Ratio | 100 | $17,978,000 | $179,000 | $648,000 | $56,000 | $211,000 |
| Collateral | 84 | $15,459,000 | $184,000 | $975,000 | $89,000 | $333,000 |
| Other | 30 | $5,323,000 | $177,000 | $417,000 | $155,000 | $1,646,000 |
| Employment History | 17 | $2,359,000 | $138,000 | $229,000 | $43,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,222,000 | $170,000 | $440,000 | $67,000 | $186,000 |
| Unverifiable Information | 6 | $1,064,000 | $177,000 | $257,000 | $77,000 | $247,000 |
| Mortgage Insurance Denied | 1 | $173,000 | $173,000 | $173,000 | $81,000 | $81,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2013 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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