F&M Bank Mortgage Lending & HMDA Data, 2017
In 2017, F&M Bank of Edmond, OK reported 956 mortgage applications totaling $168.3 million, up 24% from 2016. The average application was for $176,041, and applicants reported an average income of $90,873. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Oklahoma City, OK (568), Tulsa, OK (58) and Killeen-Temple, TX (8) (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 | 956 |
| Total Mortgage Loan Application Amount | $168,296,000 |
| Average Mortgage Loan Application Amount | $176,041 |
| Highest Mortgage Loan Application Amount | $1,340,000 |
| Average Applicant Income | $90,873 |
| Highest Applicant Income | $782,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 256 | $ 48,196,000 | $ 188,265 | $ 95,000 |
| Canadian, Oklahoma | 154 | $ 28,086,000 | $ 182,376 | $ 86,000 |
| Logan, Oklahoma | 73 | $ 9,224,000 | $ 126,356 | $ 71,000 |
| Cleveland, Oklahoma | 51 | $ 9,322,000 | $ 182,784 | $ 86,000 |
| Carter, Oklahoma | 46 | $ 8,536,000 | $ 185,565 | $ 105,000 |
| Kay, Oklahoma | 40 | $ 4,701,000 | $ 117,525 | $ 64,000 |
| Kingfisher, Oklahoma | 30 | $ 5,010,000 | $ 167,000 | $ 83,000 |
| Rogers, Oklahoma | 28 | $ 4,076,000 | $ 145,571 | $ 93,000 |
| Grady, Oklahoma | 17 | $ 3,449,000 | $ 202,882 | $ 84,000 |
| Mayes, Oklahoma | 17 | $ 2,344,000 | $ 137,882 | $ 74,000 |
| Tulsa, Oklahoma | 17 | $ 4,082,000 | $ 240,117 | $ 114,000 |
| Fannin, Texas | 15 | $ 2,326,000 | $ 155,066 | $ 96,000 |
| Jackson, Oklahoma | 13 | $ 2,057,000 | $ 158,230 | $ 83,000 |
| McClain, Oklahoma | 13 | $ 2,482,000 | $ 190,923 | $ 85,000 |
| Texas, Oklahoma | 10 | $ 1,010,000 | $ 101,000 | $ 69,000 |
| Hughes, Oklahoma | 9 | $ 937,000 | $ 104,111 | $ 63,000 |
| Seminole, Oklahoma | 9 | $ 1,592,000 | $ 176,888 | $ 84,000 |
| Murray, Oklahoma | 7 | $ 1,179,000 | $ 168,428 | $ 71,000 |
| Stephens, Oklahoma | 7 | $ 850,000 | $ 121,428 | $ 114,000 |
| Woodward, Oklahoma | 7 | $ 1,012,000 | $ 144,571 | $ 49,000 |
| Delaware, Oklahoma | 6 | $ 1,612,000 | $ 268,666 | $ 146,000 |
| Coryell, Texas | 6 | $ 995,000 | $ 165,833 | $ 137,000 |
| Larimer, Colorado | 5 | $ 2,062,000 | $ 412,400 | $ 143,000 |
| Creek, Oklahoma | 5 | $ 652,000 | $ 130,400 | $ 76,000 |
| Payne, Oklahoma | 5 | $ 501,000 | $ 100,200 | $ 80,000 |
| Cotton, Oklahoma | 4 | $ 1,255,000 | $ 313,750 | $ 132,000 |
| Craig, Oklahoma | 4 | $ 929,000 | $ 232,250 | $ 70,000 |
| Lincoln, Oklahoma | 4 | $ 702,000 | $ 175,500 | $ 63,000 |
| Love, Oklahoma | 4 | $ 518,000 | $ 129,500 | $ 70,000 |
| Wagoner, Oklahoma | 4 | $ 325,000 | $ 81,250 | $ 77,000 |
| Tarrant, Texas | 4 | $ 1,092,000 | $ 273,000 | $ 123,000 |
| Caddo, Oklahoma | 3 | $ 433,000 | $ 144,333 | $ 57,000 |
| Cimarron, Oklahoma | 3 | $ 210,000 | $ 70,000 | $ 45,000 |
| Osage, Oklahoma | 3 | $ 499,000 | $ 166,333 | $ 110,000 |
| Ottawa, Oklahoma | 3 | $ 220,000 | $ 73,333 | $ 32,000 |
| Pottawatomie, Oklahoma | 3 | $ 722,000 | $ 240,666 | $ 87,000 |
| Woods, Oklahoma | 3 | $ 374,000 | $ 124,666 | $ 89,000 |
| Weld, Colorado | 2 | $ 682,000 | $ 341,000 | $ 125,000 |
| Valley, Idaho | 2 | $ 555,000 | $ 277,500 | $ 88,000 |
| Polk, Iowa | 2 | $ 258,000 | $ 129,000 | $ 32,000 |
| Harper, Kansas | 2 | $ 162,000 | $ 81,000 | $ 55,000 |
| Taos, New Mexico | 2 | $ 528,000 | $ 264,000 | $ 147,000 |
| Beckham, Oklahoma | 2 | $ 190,000 | $ 95,000 | $ 63,000 |
| Bryan, Oklahoma | 2 | $ 333,000 | $ 166,500 | $ 111,000 |
| Custer, Oklahoma | 2 | $ 520,000 | $ 260,000 | $ 161,000 |
| Marshall, Oklahoma | 2 | $ 778,000 | $ 389,000 | $ 393,000 |
| Washington, Oklahoma | 2 | $ 250,000 | $ 125,000 | $ 69,000 |
| Bell, Texas | 2 | $ 286,000 | $ 143,000 | $ 81,000 |
| Erath, Texas | 2 | $ 153,000 | $ 76,500 | $ 147,000 |
| Travis, Texas | 2 | $ 848,000 | $ 424,000 | $ 223,000 |
| Williamson, Texas | 2 | $ 374,000 | $ 187,000 | $ 133,000 |
| Orange, California | 1 | $ 1,104,000 | $ 1,104,000 | $ 330,000 |
| San Diego, California | 1 | $ 670,000 | $ 670,000 | $ 161,000 |
| Adams, Colorado | 1 | $ 136,000 | $ 136,000 | $ 100,000 |
| Denver, Colorado | 1 | $ 760,000 | $ 760,000 | $ 782,000 |
| Gunnison, Colorado | 1 | $ 200,000 | $ 200,000 | $ 105,000 |
| Harvey, Kansas | 1 | $ 392,000 | $ 392,000 | $ 318,000 |
| Osage, Kansas | 1 | $ 127,000 | $ 127,000 | $ 108,000 |
| Rapides, Louisiana | 1 | $ 279,000 | $ 279,000 | $ 99,000 |
| Anoka, Minnesota | 1 | $ 56,000 | $ 56,000 | $ 200,000 |
| Stone, Missouri | 1 | $ 211,000 | $ 211,000 | $ 296,000 |
| Bernalillo, New Mexico | 1 | $ 238,000 | $ 238,000 | $ 36,000 |
| Lincoln, New Mexico | 1 | $ 150,000 | $ 150,000 | $ 115,000 |
| Beaver, Oklahoma | 1 | $ 113,000 | $ 113,000 | $ 112,000 |
| Blaine, Oklahoma | 1 | $ 308,000 | $ 308,000 | $ 60,000 |
| Cherokee, Oklahoma | 1 | $ 214,000 | $ 214,000 | $ 125,000 |
| Garfield, Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Garvin, Oklahoma | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| Grant, Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 61,000 |
| Greer, Oklahoma | 1 | $ 81,000 | $ 81,000 | $ 93,000 |
| Harmon, Oklahoma | 1 | $ 160,000 | $ 160,000 | $ 103,000 |
| Le Flore, Oklahoma | 1 | $ 141,000 | $ 141,000 | $ 87,000 |
| McIntosh, Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 45,000 |
| Muskogee, Oklahoma | 1 | $ 164,000 | $ 164,000 | $ 131,000 |
| Pawnee, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Pittsburg, Oklahoma | 1 | $ 61,000 | $ 61,000 | $ 23,000 |
| Pontotoc, Oklahoma | 1 | $ 137,000 | $ 137,000 | $ 56,000 |
| Roger Mills, Oklahoma | 1 | $ 162,000 | $ 162,000 | $ 91,000 |
| Washita, Oklahoma | 1 | $ 133,000 | $ 133,000 | $ 119,000 |
| Brazos, Texas | 1 | $ 242,000 | $ 242,000 | $ 71,000 |
| Collin, Texas | 1 | $ 238,000 | $ 238,000 | $ 111,000 |
| Collingsworth, Texas | 1 | $ 240,000 | $ 240,000 | $ 155,000 |
| Dallas, Texas | 1 | $ 114,000 | $ 114,000 | $ 50,000 |
| Denton, Texas | 1 | $ 424,000 | $ 424,000 | $ 152,000 |
| Fort Bend, Texas | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
| Harris, Texas | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Hartley, Texas | 1 | $ 127,000 | $ 127,000 | $ 44,000 |
| McLennan, Texas | 1 | $ 285,000 | $ 285,000 | $ 76,000 |
| Midland, Texas | 1 | $ 181,000 | $ 181,000 | $ 90,000 |
| Sherman, Texas | 1 | $ 170,000 | $ 170,000 | $ 106,000 |
| Wise, Texas | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2017
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 | 579 | $96,139,000 | $166,000 | $860,000 | $87,000 | $782,000 |
| Refinancing | 340 | $68,508,000 | $201,000 | $1,340,000 | $98,000 | $608,000 |
| Home Improvement | 37 | $3,649,000 | $98,000 | $604,000 | $86,000 | $685,000 |
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 | 668 | $118,939,000 | $178,000 | $1,104,000 | $98,000 | $782,000 |
| American Indian or Alaskan Native | 78 | $11,056,000 | $141,000 | $800,000 | $68,000 | $226,000 |
| Not Provided | 71 | $13,213,000 | $186,000 | $1,148,000 | $103,000 | $610,000 |
| Not applicable | 49 | $8,844,000 | $180,000 | $1,340,000 | $0 | $0 |
| Hispanic | 45 | $7,278,000 | $161,000 | $506,000 | $81,000 | $393,000 |
| Asian | 29 | $5,692,000 | $196,000 | $424,000 | $118,000 | $285,000 |
| Black or African American | 14 | $2,952,000 | $210,000 | $860,000 | $117,000 | $667,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $322,000 | $161,000 | $222,000 | $78,000 | $111,000 |
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) | 695 | $127,500,000 | $183,000 | $1,340,000 | $100,000 | $782,000 |
| FHA-insured (Federal Housing Administration) | 168 | $22,937,000 | $136,000 | $275,000 | $61,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 64 | $14,608,000 | $228,000 | $570,000 | $84,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,251,000 | $112,000 | $195,000 | $47,000 | $103,000 |
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 | 680 | $120,190,000 | $176,000 | $1,340,000 | $91,000 | $782,000 |
| Application Withdrawn By Applicant | 165 | $32,110,000 | $194,000 | $1,148,000 | $99,000 | $608,000 |
| Application Denied By Financial Institution | 108 | $15,364,000 | $142,000 | $655,000 | $76,000 | $296,000 |
| Application Approved But Not Accepted | 3 | $632,000 | $210,000 | $400,000 | $160,000 | $370,000 |
| 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 2017 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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