F & M Bank Mortgage Lending & HMDA Data, 2025
In 2025, F & M Bank of Washington, GA reported 107 mortgage applications totaling $21.9 million, down 4% from 2024. The average application was for $204,532, and applicants reported an average income of $225,607. 90% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Augusta-Richmond County, GA-SC (68), Athens-Clarke County, GA (3) and Atlanta-Sandy Springs-Roswell, GA (1) (applications in parentheses).
| Mortgage Company & Address | F & M Bank 911 East Robert Toombs Ave Washington, GA 30673 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 |
| Total Number of Mortgage Applications | 107 |
| Total Mortgage Loan Application Amount | $21,885,000 |
| Average Mortgage Loan Application Amount | $204,532 |
| Highest Mortgage Loan Application Amount | $1,345,000 |
| Average Applicant Income | $225,607 |
| Highest Applicant Income | $5,845,000 |
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Act (HMDA) records F & M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wilkes, Georgia | 22 | $ 2,920,000 | $ 132,727 | $ 129,000 |
| Lincoln, Georgia | 19 | $ 3,355,000 | $ 176,578 | $ 137,000 |
| Columbia, Georgia | 18 | $ 5,180,000 | $ 287,777 | $ 804,000 |
| Richmond, Georgia | 18 | $ 4,530,000 | $ 251,666 | $ 130,000 |
| Taliaferro, Georgia | 7 | $ 775,000 | $ 110,714 | $ 97,000 |
| Aiken, South Carolina | 7 | $ 1,985,000 | $ 283,571 | $ 153,000 |
| McDuffie, Georgia | 5 | $ 555,000 | $ 111,000 | $ 258,000 |
| Clarke, Georgia | 2 | $ 420,000 | $ 210,000 | $ 116,000 |
| McCormick, South Carolina | 2 | $ 400,000 | $ 200,000 | $ 76,000 |
| Chatham, Georgia | 1 | $ 65,000 | $ 65,000 | $ 238,000 |
| DeKalb, Georgia | 1 | $ 245,000 | $ 245,000 | $ 221,000 |
| Greene, Georgia | 1 | $ 925,000 | $ 925,000 | $ 764,000 |
| Oglethorpe, Georgia | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Warren, Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Washington, Georgia | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Edgefield, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for F & M Bank in 2025
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 |
|---|---|---|---|---|---|---|
| Refinancing | 54 | $10,340,000 | $191,000 | $995,000 | $161,000 | $619,000 |
| Home Purchase | 44 | $10,790,000 | $245,000 | $1,345,000 | $331,000 | $5,845,000 |
| Home Improvement | 9 | $755,000 | $83,000 | $185,000 | $98,000 | $202,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 56 | $10,990,000 | $196,000 | $995,000 | $162,000 | $764,000 |
| Not applicable | 31 | $7,825,000 | $252,000 | $1,345,000 | $0 | $0 |
| Black or African American | 12 | $1,080,000 | $90,000 | $295,000 | $598,000 | $5,845,000 |
| Hispanic | 5 | $1,355,000 | $271,000 | $455,000 | $161,000 | $269,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $92,000 | $92,000 |
| Asian | 1 | $245,000 | $245,000 | $245,000 | $140,000 | $140,000 |
| Not Provided | 1 | $215,000 | $215,000 | $215,000 | $77,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 107 | $21,885,000 | $204,000 | $1,345,000 | $228,000 | $5,845,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 96 | $20,530,000 | $213,000 | $1,345,000 | $256,000 | $5,845,000 |
| Application Withdrawn By Applicant | 8 | $1,260,000 | $157,000 | $455,000 | $77,000 | $149,000 |
| Application Denied By Financial Institution | 3 | $95,000 | $31,000 | $45,000 | $38,000 | $77,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 107 | $21,885,000 | $204,000 | $1,345,000 | $228,000 | $5,845,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F & M Bank's 2025 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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