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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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THE F&M BANK & TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE F&M BANK & TRUST COMPANY |
| Address | 1330 S. HARVARD, PO BOX 4500
TULSA, OK 74159 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,138 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $155,058,000 |
| Average Mortgage Loan Amount Applied For | $214,024 |
| Highest Mortgage Loan Amount Applied For | $1,560,000 |
| Average Applicant Income | $181,634 |
| Highest Applicant Income | $2,000,000 |
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| Home Improvement |
73 | $2,414,000 |
$33,000 | $350,000 |
$99,000 | $2,000,000 |
| Home Purchase |
855 | $115,269,000 |
$134,000 | $1,099,000 |
$96,000 | $957,000 |
| Refinancing |
210 | $37,375,000 |
$177,000 | $1,560,000 |
$105,000 | $815,000 |
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| American Indian or Alaskan Native |
42 | $4,919,000 |
$117,000 | $375,000 |
$64,000 | $220,000 |
| Asian |
32 | $3,940,000 |
$123,000 | $200,000 |
$104,000 | $822,000 |
| Black or African American |
38 | $3,479,000 |
$91,000 | $273,000 |
$70,000 | $311,000 |
| Hispanic |
29 | $2,910,000 |
$100,000 | $305,000 |
$86,000 | $815,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
12 | $2,771,000 |
$230,000 | $968,000 |
$0 | $0 |
| Not Provided |
1 | $224,000 |
$224,000 | $224,000 |
$0 | $0 |
| White |
984 | $136,815,000 |
$139,000 | $1,560,000 |
$102,000 | $2,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
981 | $135,793,000 |
$138,000 | $1,560,000 |
$104,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) |
123 | $14,109,000 |
$114,000 | $203,000 |
$58,000 | $426,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
9 | $1,047,000 |
$116,000 | $158,000 |
$40,000 | $54,000 |
| VA-guaranteed (Veterans Administration) |
25 | $4,109,000 |
$164,000 | $257,000 |
$70,000 | $122,000 |
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| Application Approved But Not Accepted |
93 | $14,472,000 |
$155,000 | $900,000 |
$102,000 | $480,000 |
| Application Denied By Financial Institution |
88 | $11,521,000 |
$130,000 | $1,280,000 |
$86,000 | $632,000 |
| Application Withdrawn By Applicant |
7 | $994,000 |
$142,000 | $417,000 |
$77,000 | $220,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
950 | $128,071,000 |
$134,000 | $1,560,000 |
$99,000 | $2,000,000 |
| 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 |
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| 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 |
1 | $32,000 |
$32,000 | $32,000 |
$179,000 | $179,000 |
| 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 |
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Mortgage Loan App Totals for THE F&M BANK & TRUST COMPANY by:
Metropolitan Area And
County
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