Lenders › F&M Bank › Tennessee
F&M Bank in Tennessee
HMDA record for properties in Tennessee, calendar year 2024. National record · Tennessee overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
F&M Bank's 2024 HMDA record for Tennessee covers 787 applications, 577 of them originated, worth $170m.
Its denial rate in the state was 16.2%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 16.5%.
The median rate spread on its Tennessee originations was 0.5 percentage points (state median 0.3).
Applications in the state were down 45% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | F&M Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.2% | 22.6% | 16.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.8% | 14.7% | 7.6% | 15.6% |
| Average originated loan | $295k | $302k | $300k | $329k |
| Home purchase share | 20.8% | 55.5% | 22.1% | 57.0% |
| FHA-insured share | 0.0% | 15.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 21% (120)Home improvement 7% (39)Refinancing 28% (159)Other purpose 45% (259)
By type
Conventional 100% (577)
Denial reasons as coded
Share of 120 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 193 | 151 | $62m | 8.5% |
| Davidson County | 147 | 93 | $39m | 23.9% |
| Robertson County | 84 | 74 | $13m | 4.8% |
| Sumner County | 66 | 53 | $13m | 12.3% |
| Stewart County | 67 | 43 | $7.3m | 22.2% |
| Williamson County | 64 | 43 | $13m | 23.0% |
| Rutherford County | 37 | 30 | $5.6m | 13.9% |
| Wilson County | 35 | 25 | $5.8m | 28.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did F&M Bank originate in Tennessee in 2024?
577 loans totalling $170m, from 787 applications reported for properties in Tennessee.
What is F&M Bank's denial rate in Tennessee?
16.2% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 16.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Tennessee counties does F&M Bank lend in most?
By originations: Montgomery County (151), Davidson County (93), Robertson County (74), Sumner County (53), Stewart County (43).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Tennessee. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.