F & M Bank Mortgage Lending & HMDA Data, 2014
In 2014, F & M Bank of Washington, GA reported 166 mortgage applications totaling $19.4 million, down 8% from 2013. The average application was for $116,801, and applicants reported an average income of $83,150. 95% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Augusta-Richmond County, GA-SC (51), Athens-Clarke County, GA (2) 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 | 166 |
| Total Mortgage Loan Application Amount | $19,389,000 |
| Average Mortgage Loan Application Amount | $116,801 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $83,150 |
| Highest Applicant Income | $1,110,000 |
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Act (HMDA) records F & M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 128 | $15,630,000 | $122,000 | $2,000,000 | $89,000 | $1,110,000 |
| Home Purchase | 27 | $2,853,000 | $105,000 | $608,000 | $73,000 | $359,000 |
| Home Improvement | 11 | $906,000 | $82,000 | $281,000 | $40,000 | $112,000 |
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 | 128 | $14,677,000 | $114,000 | $2,000,000 | $96,000 | $1,110,000 |
| Black or African American | 19 | $753,000 | $39,000 | $158,000 | $62,000 | $391,000 |
| Not applicable | 15 | $3,452,000 | $230,000 | $1,000,000 | $6,000 | $97,000 |
| Not Provided | 1 | $90,000 | $90,000 | $90,000 | $38,000 | $38,000 |
| Hispanic | 1 | $32,000 | $32,000 | $32,000 | $68,000 | $68,000 |
| American Indian or Alaskan Native | 1 | $210,000 | $210,000 | $210,000 | $38,000 | $38,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $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) | 166 | $19,389,000 | $116,000 | $2,000,000 | $83,000 | $1,110,000 |
| 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 | 157 | $18,781,000 | $119,000 | $2,000,000 | $85,000 | $1,110,000 |
| Application Withdrawn By Applicant | 5 | $370,000 | $74,000 | $130,000 | $40,000 | $48,000 |
| Application Denied By Financial Institution | 4 | $238,000 | $59,000 | $90,000 | $32,000 | $38,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2014 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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