F&M Bank Mortgage Lending & HMDA Data, 2025
In 2025, F&M Bank of Edmond, OK reported 373 mortgage applications totaling $100.1 million, down 19% from 2024. The average application was for $268,270, and applicants reported an average income of $155,485. 83% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Oklahoma City, OK (285), Tulsa, OK (6) and Houston-The Woodlands-Sugar Land, TX (2) (applications in parentheses).
| Mortgage Company & Address | F&M Bank 17100 N May Ave Edmond, OK 73012 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 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 373 |
| Total Mortgage Loan Application Amount | $100,065,000 |
| Average Mortgage Loan Application Amount | $268,270 |
| Highest Mortgage Loan Application Amount | $6,065,000 |
| Average Applicant Income | $155,485 |
| Highest Applicant Income | $1,821,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oklahoma, Oklahoma | 135 | $ 43,755,000 | $ 324,111 | $ 171,000 |
| Canadian, Oklahoma | 73 | $ 18,405,000 | $ 252,123 | $ 146,000 |
| Logan, Oklahoma | 46 | $ 9,250,000 | $ 201,086 | $ 155,000 |
| Kay, Oklahoma | 19 | $ 2,915,000 | $ 153,421 | $ 93,000 |
| Cleveland, Oklahoma | 16 | $ 4,360,000 | $ 272,500 | $ 343,000 |
| Kingfisher, Oklahoma | 15 | $ 3,295,000 | $ 219,666 | $ 104,000 |
| Grady, Oklahoma | 11 | $ 3,955,000 | $ 359,545 | $ 154,000 |
| Texas, Oklahoma | 6 | $ 1,230,000 | $ 205,000 | $ 109,000 |
| Caddo, Oklahoma | 3 | $ 525,000 | $ 175,000 | $ 73,000 |
| Carter, Oklahoma | 3 | $ 485,000 | $ 161,666 | $ 161,000 |
| McClain, Oklahoma | 3 | $ 1,485,000 | $ 495,000 | $ 276,000 |
| McIntosh, Oklahoma | 3 | $ 355,000 | $ 118,333 | $ 119,000 |
| Rogers, Oklahoma | 3 | $ 645,000 | $ 215,000 | $ 88,000 |
| Tulsa, Oklahoma | 3 | $ 835,000 | $ 278,333 | $ 146,000 |
| Comanche, Oklahoma | 2 | $ 640,000 | $ 320,000 | $ 144,000 |
| Custer, Oklahoma | 2 | $ 300,000 | $ 150,000 | $ 305,000 |
| Noble, Oklahoma | 2 | $ 510,000 | $ 255,000 | $ 104,000 |
| Seminole, Oklahoma | 2 | $ 400,000 | $ 200,000 | $ 83,000 |
| Orange, California | 1 | $ 805,000 | $ 805,000 | $ 150,000 |
| Sumter, Florida | 1 | $ 325,000 | $ 325,000 | $ 296,000 |
| Geary, Kansas | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Johnson, Kansas | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Riley, Kansas | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Blaine, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| Bryan, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| Delaware, Oklahoma | 1 | $ 275,000 | $ 275,000 | $ 231,000 |
| Grant, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Haskell, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 332,000 |
| Hughes, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Jackson, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 200,000 |
| Lincoln, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| Payne, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Pittsburg, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Pontotoc, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Pottawatomie, Oklahoma | 1 | $ 375,000 | $ 375,000 | $ 158,000 |
| Washington, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Montgomery, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 121,000 |
| Cherokee, Texas | 1 | $ 245,000 | $ 245,000 | $ 158,000 |
| Harris, Texas | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Montague, Texas | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| Montgomery, Texas | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Randall, Texas | 1 | $ 375,000 | $ 375,000 | $ 122,000 |
| Tarrant, Texas | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Tom Green, Texas | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 238 | $64,750,000 | $272,000 | $2,155,000 | $147,000 | $1,821,000 |
| Refinancing | 66 | $17,680,000 | $267,000 | $1,165,000 | $201,000 | $800,000 |
| Cash-out Refinancing | 48 | $15,610,000 | $325,000 | $6,065,000 | $135,000 | $571,000 |
| Other Purpose | 11 | $975,000 | $88,000 | $195,000 | $154,000 | $552,000 |
| Home Improvement | 10 | $1,050,000 | $105,000 | $305,000 | $157,000 | $510,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 242 | $62,990,000 | $260,000 | $1,595,000 | $165,000 | $1,821,000 |
| Not applicable | 47 | $17,305,000 | $368,000 | $6,065,000 | $0 | $0 |
| Hispanic | 26 | $5,690,000 | $218,000 | $545,000 | $93,000 | $307,000 |
| American Indian or Alaskan Native | 24 | $5,120,000 | $213,000 | $805,000 | $89,000 | $212,000 |
| Not Provided | 13 | $3,765,000 | $289,000 | $805,000 | $224,000 | $1,033,000 |
| Asian | 11 | $3,155,000 | $286,000 | $435,000 | $169,000 | $576,000 |
| Black or African American | 10 | $2,040,000 | $204,000 | $425,000 | $108,000 | $243,000 |
| 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) | 289 | $79,515,000 | $275,000 | $6,065,000 | $171,000 | $1,821,000 |
| FHA-insured (Federal Housing Administration) | 55 | $12,405,000 | $225,000 | $405,000 | $92,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 24 | $7,570,000 | $315,000 | $805,000 | $160,000 | $1,033,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $575,000 | $115,000 | $155,000 | $49,000 | $63,000 |
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 | 309 | $83,095,000 | $268,000 | $6,065,000 | $161,000 | $1,821,000 |
| Application Withdrawn By Applicant | 39 | $10,665,000 | $273,000 | $1,595,000 | $113,000 | $324,000 |
| Application Denied By Financial Institution | 13 | $2,145,000 | $165,000 | $395,000 | $132,000 | $576,000 |
| Application Approved But Not Accepted | 11 | $3,975,000 | $361,000 | $2,155,000 | $166,000 | $552,000 |
| File Closed For Incompleteness | 1 | $185,000 | $185,000 | $185,000 | $65,000 | $65,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 360 | $97,920,000 | $272,000 | $6,065,000 | $156,000 | $1,821,000 |
| Credit History | 6 | $570,000 | $95,000 | $195,000 | $100,000 | $200,000 |
| Debt-To-Income Ratio | 4 | $1,110,000 | $277,000 | $395,000 | $103,000 | $180,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $78,000 | $78,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $42,000 | $42,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $576,000 | $576,000 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2025 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.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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