F & M Bank Mortgage Lending & HMDA Data, 2013
In 2013, F & M Bank of Washington, GA reported 180 mortgage applications totaling $17.4 million, down 36% from 2012. The average application was for $96,500, and applicants reported an average income of $86,944. 92% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Augusta-Richmond County, GA-SC (20), Athens-Clarke County, GA (2) and Atlanta-Sandy Springs-Marietta, GA (2) (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 | 180 |
| Total Mortgage Loan Application Amount | $17,370,000 |
| Average Mortgage Loan Application Amount | $96,500 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $86,944 |
| Highest Applicant Income | $739,000 |
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Act (HMDA) records F & M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 100 | $ 8,006,000 | $ 80,060 | $ 80,000 |
| Lincoln, Georgia | 30 | $ 2,316,000 | $ 77,200 | $ 106,000 |
| Taliaferro, Georgia | 14 | $ 727,000 | $ 51,928 | $ 42,000 |
| Columbia, Georgia | 11 | $ 2,918,000 | $ 265,272 | $ 170,000 |
| McDuffie, Georgia | 7 | $ 538,000 | $ 76,857 | $ 76,000 |
| Bibb, Georgia | 2 | $ 1,450,000 | $ 725,000 | $ 0 |
| Rabun, Georgia | 2 | $ 21,000 | $ 10,500 | $ 128,000 |
| Warren, Georgia | 2 | $ 186,000 | $ 93,000 | $ 32,000 |
| Butts, Georgia | 1 | $ 93,000 | $ 93,000 | $ 43,000 |
| Clarke, Georgia | 1 | $ 19,000 | $ 19,000 | $ 67,000 |
| Franklin, Georgia | 1 | $ 9,000 | $ 9,000 | $ 48,000 |
| Glascock, Georgia | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Greene, Georgia | 1 | $ 267,000 | $ 267,000 | $ 0 |
| Lamar, Georgia | 1 | $ 93,000 | $ 93,000 | $ 181,000 |
| Oglethorpe, Georgia | 1 | $ 49,000 | $ 49,000 | $ 52,000 |
| Richmond, Georgia | 1 | $ 81,000 | $ 81,000 | $ 101,000 |
| White, Georgia | 1 | $ 31,000 | $ 31,000 | $ 47,000 |
| Aiken, South Carolina | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Horry, South Carolina | 1 | $ 373,000 | $ 373,000 | $ 362,000 |
| McCormick, South Carolina | 1 | $ 87,000 | $ 87,000 | $ 253,000 |
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 |
|---|---|---|---|---|---|---|
| Refinancing | 130 | $14,155,000 | $108,000 | $800,000 | $92,000 | $739,000 |
| Home Purchase | 26 | $1,850,000 | $71,000 | $321,000 | $69,000 | $182,000 |
| Home Improvement | 24 | $1,365,000 | $56,000 | $249,000 | $79,000 | $589,000 |
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 | 123 | $10,164,000 | $82,000 | $565,000 | $81,000 | $463,000 |
| Black or African American | 28 | $1,132,000 | $40,000 | $276,000 | $53,000 | $151,000 |
| Not applicable | 20 | $4,942,000 | $247,000 | $800,000 | $105,000 | $417,000 |
| Asian | 4 | $597,000 | $149,000 | $218,000 | $451,000 | $739,000 |
| Hispanic | 3 | $193,000 | $64,000 | $140,000 | $60,000 | $98,000 |
| Not Provided | 2 | $342,000 | $171,000 | $321,000 | $105,000 | $182,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 180 | $17,370,000 | $96,000 | $800,000 | $87,000 | $739,000 |
| 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 | 165 | $16,680,000 | $101,000 | $800,000 | $92,000 | $739,000 |
| Application Denied By Financial Institution | 15 | $690,000 | $46,000 | $115,000 | $38,000 | $80,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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