F&M Bank Mortgage Lending & HMDA Data, 2010
In 2010, F&M Bank of Edmond, OK reported 132 mortgage applications totaling $14.5 million, down 18% from 2009. The average application was for $109,977, and applicants reported an average income of $69,545. 45% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Oklahoma City, OK (86) and Joplin, MO (1).
| 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 | 132 |
| Total Mortgage Loan Application Amount | $14,517,000 |
| Average Mortgage Loan Application Amount | $109,977 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $69,545 |
| Highest Applicant Income | $436,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 57 | $ 3,636,000 | $ 63,789 | $ 55,000 |
| Oklahoma, Oklahoma | 20 | $ 3,340,000 | $ 167,000 | $ 80,000 |
| Carter, Oklahoma | 15 | $ 2,696,000 | $ 179,733 | $ 120,000 |
| Canadian, Oklahoma | 6 | $ 768,000 | $ 128,000 | $ 67,000 |
| Jackson, Oklahoma | 5 | $ 349,000 | $ 69,800 | $ 33,000 |
| Kingfisher, Oklahoma | 4 | $ 448,000 | $ 112,000 | $ 36,000 |
| Marshall, Oklahoma | 3 | $ 304,000 | $ 101,333 | $ 49,000 |
| Ottawa, Oklahoma | 3 | $ 279,000 | $ 93,000 | $ 63,000 |
| Payne, Oklahoma | 3 | $ 530,000 | $ 176,666 | $ 84,000 |
| Cleveland, Oklahoma | 2 | $ 484,000 | $ 242,000 | $ 103,000 |
| Woods, Oklahoma | 2 | $ 305,000 | $ 152,500 | $ 51,000 |
| Newton, Missouri | 1 | $ 34,000 | $ 34,000 | $ 100,000 |
| Blaine, Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Delaware, Oklahoma | 1 | $ 392,000 | $ 392,000 | $ 65,000 |
| Dewey, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 26,000 |
| Garfield, Oklahoma | 1 | $ 36,000 | $ 36,000 | $ 16,000 |
| Greer, Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Jefferson, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Love, Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 113,000 |
| McClain, Oklahoma | 1 | $ 23,000 | $ 23,000 | $ 107,000 |
| Pittsburg, Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 114,000 |
| Pontotoc, Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 290,000 |
| Woodward, Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2010
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 | 77 | $7,967,000 | $103,000 | $447,000 | $73,000 | $436,000 |
| Home Purchase | 48 | $6,430,000 | $133,000 | $990,000 | $67,000 | $432,000 |
| Home Improvement | 7 | $120,000 | $17,000 | $40,000 | $49,000 | $106,000 |
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 | 107 | $10,851,000 | $101,000 | $575,000 | $75,000 | $436,000 |
| Not Provided | 8 | $1,801,000 | $225,000 | $990,000 | $69,000 | $163,000 |
| Hispanic | 7 | $539,000 | $77,000 | $108,000 | $29,000 | $51,000 |
| American Indian or Alaskan Native | 4 | $656,000 | $164,000 | $392,000 | $46,000 | $65,000 |
| Black or African American | 4 | $561,000 | $140,000 | $236,000 | $51,000 | $70,000 |
| Not applicable | 2 | $109,000 | $54,000 | $63,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 115 | $12,709,000 | $110,000 | $990,000 | $73,000 | $436,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,753,000 | $109,000 | $232,000 | $47,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 1 | $55,000 | $55,000 | $55,000 | $38,000 | $38,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 59 | $4,507,000 | $76,000 | $417,000 | $62,000 | $290,000 |
| Application Denied By Financial Institution | 45 | $6,098,000 | $135,000 | $990,000 | $71,000 | $432,000 |
| Application Withdrawn By Applicant | 26 | $3,762,000 | $144,000 | $376,000 | $88,000 | $436,000 |
| File Closed For Incompleteness | 2 | $150,000 | $75,000 | $88,000 | $29,000 | $41,000 |
| 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 2010 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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