F&M Bank Mortgage Lending & HMDA Data, 2006
In 2006, F&M Bank of Edmond, OK reported 99 mortgage applications totaling $5.9 million, down 8% from 2005. The average application was for $59,888, and applicants reported an average income of $59,585. 84% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Oklahoma City, OK (88) and Tulsa, OK (2).
| 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 | 99 |
| Total Mortgage Loan Application Amount | $5,929,000 |
| Average Mortgage Loan Application Amount | $59,888 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $59,585 |
| Highest Applicant Income | $554,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Logan, Oklahoma | 53 | $ 1,965,000 | $ 37,075 | $ 44,000 |
| Oklahoma, Oklahoma | 27 | $ 1,672,000 | $ 61,925 | $ 80,000 |
| Canadian, Oklahoma | 4 | $ 212,000 | $ 53,000 | $ 91,000 |
| Cleveland, Oklahoma | 4 | $ 234,000 | $ 58,500 | $ 110,000 |
| Kingfisher, Oklahoma | 3 | $ 149,000 | $ 49,666 | $ 45,000 |
| Noble, Oklahoma | 2 | $ 95,000 | $ 47,500 | $ 61,000 |
| Douglas, Nevada | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Caddo, Oklahoma | 1 | $ 81,000 | $ 81,000 | $ 30,000 |
| Creek, Oklahoma | 1 | $ 106,000 | $ 106,000 | $ 37,000 |
| Garfield, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Pittsburg, Oklahoma | 1 | $ 61,000 | $ 61,000 | $ 51,000 |
| Tulsa, Oklahoma | 1 | $ 119,000 | $ 119,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2006
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 | 48 | $2,015,000 | $41,000 | $213,000 | $59,000 | $554,000 |
| Home Purchase | 46 | $3,766,000 | $81,000 | $1,200,000 | $62,000 | $216,000 |
| Home Improvement | 5 | $148,000 | $29,000 | $74,000 | $43,000 | $107,000 |
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 | 82 | $3,635,000 | $44,000 | $200,000 | $54,000 | $216,000 |
| Asian | 7 | $379,000 | $54,000 | $68,000 | $74,000 | $112,000 |
| Not applicable | 4 | $1,451,000 | $362,000 | $1,200,000 | $0 | $0 |
| Black or African American | 3 | $164,000 | $54,000 | $83,000 | $55,000 | $86,000 |
| American Indian or Alaskan Native | 2 | $87,000 | $43,000 | $78,000 | $108,000 | $195,000 |
| Hispanic | 1 | $213,000 | $213,000 | $213,000 | $554,000 | $554,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 99 | $5,929,000 | $59,000 | $1,200,000 | $59,000 | $554,000 |
| 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 | 83 | $5,276,000 | $63,000 | $1,200,000 | $64,000 | $554,000 |
| Application Denied By Financial Institution | 8 | $329,000 | $41,000 | $115,000 | $45,000 | $86,000 |
| Application Withdrawn By Applicant | 8 | $324,000 | $40,000 | $113,000 | $31,000 | $62,000 |
| 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 2006 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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