F&M Bank Mortgage Lending & HMDA Data, 2013
In 2013, F&M Bank of Edmond, OK reported 224 mortgage applications totaling $34.4 million, up 13% from 2012. The average application was for $153,691, and applicants reported an average income of $91,098. 48% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Oklahoma City, OK (122), Fort Worth-Arlington, TX (7) and Tulsa, OK (4) (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 | 224 |
| Total Mortgage Loan Application Amount | $34,427,000 |
| Average Mortgage Loan Application Amount | $153,691 |
| Highest Mortgage Loan Application Amount | $5,300,000 |
| Average Applicant Income | $91,098 |
| Highest Applicant Income | $909,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 48 | $ 4,680,000 | $ 97,500 | $ 81,000 |
| Oklahoma, Oklahoma | 39 | $ 11,858,000 | $ 304,051 | $ 115,000 |
| Canadian, Oklahoma | 32 | $ 3,082,000 | $ 96,312 | $ 107,000 |
| Carter, Oklahoma | 22 | $ 3,433,000 | $ 156,045 | $ 79,000 |
| Kingfisher, Oklahoma | 19 | $ 1,214,000 | $ 63,894 | $ 63,000 |
| Kay, Oklahoma | 10 | $ 1,807,000 | $ 180,700 | $ 94,000 |
| Tarrant, Texas | 7 | $ 2,066,000 | $ 295,142 | $ 124,000 |
| Woodward, Oklahoma | 6 | $ 1,169,000 | $ 194,833 | $ 88,000 |
| Ellis, Oklahoma | 5 | $ 493,000 | $ 98,600 | $ 92,000 |
| Woods, Oklahoma | 3 | $ 131,000 | $ 43,666 | $ 45,000 |
| Beckham, Oklahoma | 2 | $ 288,000 | $ 144,000 | $ 88,000 |
| Cleveland, Oklahoma | 2 | $ 148,000 | $ 74,000 | $ 68,000 |
| Craig, Oklahoma | 2 | $ 322,000 | $ 161,000 | $ 81,000 |
| Creek, Oklahoma | 2 | $ 417,000 | $ 208,500 | $ 54,000 |
| Delaware, Oklahoma | 2 | $ 497,000 | $ 248,500 | $ 270,000 |
| Marshall, Oklahoma | 2 | $ 124,000 | $ 62,000 | $ 87,000 |
| Murray, Oklahoma | 2 | $ 177,000 | $ 88,500 | $ 46,000 |
| Scott, Arkansas | 1 | $ 103,000 | $ 103,000 | $ 35,000 |
| Alfalfa, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Bryan, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Cherokee, Oklahoma | 1 | $ 77,000 | $ 77,000 | $ 25,000 |
| Grady, Oklahoma | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| Jackson, Oklahoma | 1 | $ 159,000 | $ 159,000 | $ 79,000 |
| Johnston, Oklahoma | 1 | $ 250,000 | $ 250,000 | $ 77,000 |
| Kiowa, Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 73,000 |
| Le Flore, Oklahoma | 1 | $ 148,000 | $ 148,000 | $ 75,000 |
| Love, Oklahoma | 1 | $ 332,000 | $ 332,000 | $ 129,000 |
| Mayes, Oklahoma | 1 | $ 176,000 | $ 176,000 | $ 50,000 |
| McIntosh, Oklahoma | 1 | $ 48,000 | $ 48,000 | $ 60,000 |
| Muskogee, Oklahoma | 1 | $ 53,000 | $ 53,000 | $ 104,000 |
| Osage, Oklahoma | 1 | $ 136,000 | $ 136,000 | $ 94,000 |
| Ottawa, Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Pawnee, Oklahoma | 1 | $ 120,000 | $ 120,000 | $ 325,000 |
| Pushmataha, Oklahoma | 1 | $ 475,000 | $ 475,000 | $ 81,000 |
| Stephens, Oklahoma | 1 | $ 24,000 | $ 24,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2013
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 | 107 | $20,930,000 | $195,000 | $5,300,000 | $92,000 | $495,000 |
| Home Purchase | 92 | $12,263,000 | $133,000 | $1,500,000 | $86,000 | $909,000 |
| Home Improvement | 25 | $1,234,000 | $49,000 | $138,000 | $106,000 | $681,000 |
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 | 178 | $21,470,000 | $120,000 | $1,500,000 | $105,000 | $909,000 |
| Not applicable | 22 | $10,258,000 | $466,000 | $5,300,000 | $0 | $0 |
| Hispanic | 9 | $870,000 | $96,000 | $194,000 | $62,000 | $120,000 |
| American Indian or Alaskan Native | 7 | $823,000 | $117,000 | $274,000 | $91,000 | $148,000 |
| Asian | 5 | $671,000 | $134,000 | $187,000 | $72,000 | $100,000 |
| Black or African American | 3 | $335,000 | $111,000 | $186,000 | $79,000 | $89,000 |
| 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) | 198 | $31,644,000 | $159,000 | $5,300,000 | $96,000 | $909,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,483,000 | $105,000 | $244,000 | $61,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $834,000 | $92,000 | $164,000 | $39,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 3 | $466,000 | $155,000 | $225,000 | $72,000 | $119,000 |
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 | 107 | $15,925,000 | $148,000 | $5,300,000 | $90,000 | $909,000 |
| Application Denied By Financial Institution | 67 | $10,475,000 | $156,000 | $1,500,000 | $77,000 | $470,000 |
| Application Withdrawn By Applicant | 47 | $7,440,000 | $158,000 | $417,000 | $115,000 | $500,000 |
| File Closed For Incompleteness | 2 | $439,000 | $219,000 | $332,000 | $78,000 | $96,000 |
| Application Approved But Not Accepted | 1 | $148,000 | $148,000 | $148,000 | $74,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2013 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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