F&M Bank Mortgage Lending & HMDA Data, 2016
In 2016, F&M Bank of Edmond, OK reported 771 mortgage applications totaling $131.1 million, up 91% from 2015. The average application was for $170,011, and applicants reported an average income of $107,704. 83% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Oklahoma City, OK (504), Tulsa, OK (16) and Fort Worth-Arlington, TX (6) (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 | 771 |
| Total Mortgage Loan Application Amount | $131,079,000 |
| Average Mortgage Loan Application Amount | $170,011 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $107,704 |
| Highest Applicant Income | $1,567,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 217 | $ 40,266,000 | $ 185,557 | $ 123,000 |
| Canadian, Oklahoma | 151 | $ 27,369,000 | $ 181,251 | $ 107,000 |
| Logan, Oklahoma | 64 | $ 7,759,000 | $ 121,234 | $ 83,000 |
| Kay, Oklahoma | 56 | $ 8,356,000 | $ 149,214 | $ 117,000 |
| Carter, Oklahoma | 55 | $ 8,894,000 | $ 161,709 | $ 88,000 |
| Cleveland, Oklahoma | 47 | $ 6,793,000 | $ 144,531 | $ 77,000 |
| Kingfisher, Oklahoma | 26 | $ 3,098,000 | $ 119,153 | $ 59,000 |
| Grady, Oklahoma | 17 | $ 3,453,000 | $ 203,117 | $ 96,000 |
| Harper, Kansas | 10 | $ 1,371,000 | $ 137,100 | $ 71,000 |
| Osage, Oklahoma | 8 | $ 1,401,000 | $ 175,125 | $ 102,000 |
| Woods, Oklahoma | 8 | $ 1,081,000 | $ 135,125 | $ 73,000 |
| Love, Oklahoma | 6 | $ 1,483,000 | $ 247,166 | $ 112,000 |
| McClain, Oklahoma | 6 | $ 892,000 | $ 148,666 | $ 90,000 |
| Woodward, Oklahoma | 6 | $ 879,000 | $ 146,500 | $ 61,000 |
| Jackson, Oklahoma | 5 | $ 333,000 | $ 66,600 | $ 47,000 |
| Stephens, Oklahoma | 5 | $ 909,000 | $ 181,800 | $ 51,000 |
| McIntosh, Oklahoma | 4 | $ 521,000 | $ 130,250 | $ 79,000 |
| Murray, Oklahoma | 4 | $ 673,000 | $ 168,250 | $ 68,000 |
| Payne, Oklahoma | 3 | $ 444,000 | $ 148,000 | $ 187,000 |
| Pittsburg, Oklahoma | 3 | $ 869,000 | $ 289,666 | $ 697,000 |
| Rogers, Oklahoma | 3 | $ 337,000 | $ 112,333 | $ 54,000 |
| Tulsa, Oklahoma | 3 | $ 1,020,000 | $ 340,000 | $ 138,000 |
| Coryell, Texas | 3 | $ 651,000 | $ 217,000 | $ 110,000 |
| Parker, Texas | 3 | $ 511,000 | $ 170,333 | $ 89,000 |
| Los Angeles, California | 2 | $ 2,999,000 | $ 1,499,500 | $ 394,000 |
| Weld, Colorado | 2 | $ 447,000 | $ 223,500 | $ 204,000 |
| Cherokee, Oklahoma | 2 | $ 108,000 | $ 54,000 | $ 72,000 |
| Comanche, Oklahoma | 2 | $ 183,000 | $ 91,500 | $ 60,000 |
| Creek, Oklahoma | 2 | $ 224,000 | $ 112,000 | $ 51,000 |
| Custer, Oklahoma | 2 | $ 344,000 | $ 172,000 | $ 84,000 |
| Delaware, Oklahoma | 2 | $ 237,000 | $ 118,500 | $ 50,000 |
| Ellis, Oklahoma | 2 | $ 402,000 | $ 201,000 | $ 201,000 |
| Jefferson, Oklahoma | 2 | $ 99,000 | $ 49,500 | $ 30,000 |
| Le Flore, Oklahoma | 2 | $ 437,000 | $ 218,500 | $ 292,000 |
| Lincoln, Oklahoma | 2 | $ 406,000 | $ 203,000 | $ 106,000 |
| Marshall, Oklahoma | 2 | $ 366,000 | $ 183,000 | $ 100,000 |
| Mayes, Oklahoma | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Pottawatomie, Oklahoma | 2 | $ 326,000 | $ 163,000 | $ 47,000 |
| Collin, Texas | 2 | $ 464,000 | $ 232,000 | $ 246,000 |
| Tarrant, Texas | 2 | $ 272,000 | $ 136,000 | $ 80,000 |
| Gunnison, Colorado | 1 | $ 825,000 | $ 825,000 | $ 944,000 |
| Collier, Florida | 1 | $ 97,000 | $ 97,000 | $ 342,000 |
| Barber, Kansas | 1 | $ 180,000 | $ 180,000 | $ 77,000 |
| Butler, Kansas | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Cowley, Kansas | 1 | $ 108,000 | $ 108,000 | $ 127,000 |
| Sedgwick, Kansas | 1 | $ 50,000 | $ 50,000 | $ 39,000 |
| Thayer, Nebraska | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Salem, New Jersey | 1 | $ 293,000 | $ 293,000 | $ 108,000 |
| Alfalfa, Oklahoma | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Beckham, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Blaine, Oklahoma | 1 | $ 308,000 | $ 308,000 | $ 89,000 |
| Bryan, Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Cimarron, Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Coal, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 156,000 |
| Garfield, Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 62,000 |
| Hughes, Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 128,000 |
| Johnston, Oklahoma | 1 | $ 101,000 | $ 101,000 | $ 32,000 |
| Muskogee, Oklahoma | 1 | $ 152,000 | $ 152,000 | $ 79,000 |
| Noble, Oklahoma | 1 | $ 236,000 | $ 236,000 | $ 41,000 |
| Ottawa, Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 37,000 |
| Pontotoc, Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 87,000 |
| Sequoyah, Oklahoma | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Dallas, Texas | 1 | $ 230,000 | $ 230,000 | $ 140,000 |
| Fannin, Texas | 1 | $ 125,000 | $ 125,000 | $ 195,000 |
| Johnson, Texas | 1 | $ 155,000 | $ 155,000 | $ 112,000 |
| Utah, Utah | 1 | $ 160,000 | $ 160,000 | $ 913,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2016
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 | 486 | $80,111,000 | $164,000 | $1,500,000 | $94,000 | $1,567,000 |
| Refinancing | 268 | $50,215,000 | $187,000 | $1,499,000 | $130,000 | $1,414,000 |
| Home Improvement | 17 | $753,000 | $44,000 | $91,000 | $148,000 | $498,000 |
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 | 603 | $105,102,000 | $174,000 | $1,500,000 | $118,000 | $1,567,000 |
| Not Provided | 37 | $6,043,000 | $163,000 | $417,000 | $99,000 | $425,000 |
| Hispanic | 35 | $4,427,000 | $126,000 | $257,000 | $60,000 | $187,000 |
| American Indian or Alaskan Native | 33 | $5,995,000 | $181,000 | $800,000 | $84,000 | $326,000 |
| Not applicable | 26 | $2,357,000 | $90,000 | $241,000 | $0 | $0 |
| Asian | 20 | $3,619,000 | $180,000 | $368,000 | $93,000 | $229,000 |
| Black or African American | 14 | $2,884,000 | $206,000 | $743,000 | $110,000 | $353,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $652,000 | $217,000 | $417,000 | $87,000 | $150,000 |
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) | 565 | $99,502,000 | $176,000 | $1,500,000 | $123,000 | $1,567,000 |
| FHA-insured (Federal Housing Administration) | 130 | $18,764,000 | $144,000 | $276,000 | $64,000 | $326,000 |
| VA-guaranteed (Veterans Administration) | 48 | $9,968,000 | $207,000 | $423,000 | $84,000 | $284,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $2,845,000 | $101,000 | $201,000 | $43,000 | $90,000 |
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 | 643 | $111,575,000 | $173,000 | $1,500,000 | $113,000 | $1,567,000 |
| Application Denied By Financial Institution | 79 | $11,413,000 | $144,000 | $800,000 | $75,000 | $500,000 |
| Application Withdrawn By Applicant | 39 | $6,311,000 | $161,000 | $743,000 | $98,000 | $353,000 |
| Application Approved But Not Accepted | 10 | $1,780,000 | $178,000 | $298,000 | $79,000 | $185,000 |
| File Closed For Incompleteness | 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 2016 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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