F & M Bank Mortgage Lending & HMDA Data, 2011
In 2011, F & M Bank of Washington, GA reported 268 mortgage applications totaling $23.7 million, down 3% from 2010. The average application was for $88,402, and applicants reported an average income of $69,858. 92% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Augusta-Richmond County, GA-SC (14), Athens-Clarke County, GA (7) and Brunswick, GA (3) (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 | 268 |
| Total Mortgage Loan Application Amount | $23,692,000 |
| Average Mortgage Loan Application Amount | $88,402 |
| Highest Mortgage Loan Application Amount | $676,000 |
| Average Applicant Income | $69,858 |
| Highest Applicant Income | $2,215,000 |
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Act (HMDA) records F & M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 214 | $19,181,000 | $89,000 | $676,000 | $70,000 | $2,215,000 |
| Home Purchase | 41 | $3,859,000 | $94,000 | $395,000 | $77,000 | $427,000 |
| Home Improvement | 13 | $652,000 | $50,000 | $360,000 | $45,000 | $114,000 |
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 | 192 | $17,790,000 | $92,000 | $676,000 | $84,000 | $2,215,000 |
| Black or African American | 43 | $1,743,000 | $40,000 | $256,000 | $46,000 | $192,000 |
| Not applicable | 28 | $3,243,000 | $115,000 | $608,000 | $5,000 | $77,000 |
| Not Provided | 3 | $505,000 | $168,000 | $380,000 | $74,000 | $149,000 |
| Hispanic | 1 | $186,000 | $186,000 | $186,000 | $66,000 | $66,000 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $38,000 | $38,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 268 | $23,692,000 | $88,000 | $676,000 | $70,000 | $2,215,000 |
| 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 | 246 | $22,263,000 | $90,000 | $676,000 | $72,000 | $2,215,000 |
| Application Denied By Financial Institution | 22 | $1,429,000 | $64,000 | $380,000 | $40,000 | $149,000 |
| 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 2011 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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