F&M Bank Mortgage Lending & HMDA Data, 2018
In 2018, F&M Bank of Edmond, OK reported 815 mortgage applications totaling $144.8 million, down 15% from 2017. The average application was for $177,625, and applicants reported an average income of $108,061. 73% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Oklahoma City, OK (452), Tulsa, OK (60) and Greeley, CO (25) (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 | 815 |
| Total Mortgage Loan Application Amount | $144,765,000 |
| Average Mortgage Loan Application Amount | $177,625 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $108,061 |
| Highest Applicant Income | $1,563,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 186 | $ 32,660,000 | $ 175,591 | $ 113,000 |
| Canadian, Oklahoma | 129 | $ 24,165,000 | $ 187,325 | $ 92,000 |
| Logan, Oklahoma | 73 | $ 8,845,000 | $ 121,164 | $ 99,000 |
| Carter, Oklahoma | 40 | $ 7,040,000 | $ 176,000 | $ 111,000 |
| Cleveland, Oklahoma | 35 | $ 5,565,000 | $ 159,000 | $ 91,000 |
| Rogers, Oklahoma | 27 | $ 3,615,000 | $ 133,888 | $ 67,000 |
| Weld, Colorado | 25 | $ 8,055,000 | $ 322,200 | $ 150,000 |
| Grady, Oklahoma | 22 | $ 4,980,000 | $ 226,363 | $ 112,000 |
| Kingfisher, Oklahoma | 18 | $ 2,600,000 | $ 144,444 | $ 86,000 |
| Tulsa, Oklahoma | 17 | $ 3,095,000 | $ 182,058 | $ 93,000 |
| Mayes, Oklahoma | 12 | $ 1,700,000 | $ 141,666 | $ 71,000 |
| Fannin, Texas | 12 | $ 1,950,000 | $ 162,500 | $ 74,000 |
| Larimer, Colorado | 11 | $ 5,165,000 | $ 469,545 | $ 170,000 |
| Texas, Oklahoma | 11 | $ 1,935,000 | $ 175,909 | $ 71,000 |
| Delaware, Oklahoma | 10 | $ 2,290,000 | $ 229,000 | $ 264,000 |
| Craig, Oklahoma | 9 | $ 1,025,000 | $ 113,888 | $ 54,000 |
| Cherokee, Oklahoma | 8 | $ 1,190,000 | $ 148,750 | $ 74,000 |
| Jackson, Oklahoma | 8 | $ 1,110,000 | $ 138,750 | $ 77,000 |
| Wagoner, Oklahoma | 8 | $ 1,110,000 | $ 138,750 | $ 81,000 |
| Payne, Oklahoma | 7 | $ 1,085,000 | $ 155,000 | $ 187,000 |
| Seminole, Oklahoma | 6 | $ 620,000 | $ 103,333 | $ 84,000 |
| Woodward, Oklahoma | 6 | $ 1,380,000 | $ 230,000 | $ 121,000 |
| Erath, Texas | 6 | $ 1,050,000 | $ 175,000 | $ 150,000 |
| Garfield, Oklahoma | 5 | $ 1,095,000 | $ 219,000 | $ 87,000 |
| Hughes, Oklahoma | 5 | $ 375,000 | $ 75,000 | $ 39,000 |
| Kay, Oklahoma | 5 | $ 805,000 | $ 161,000 | $ 74,000 |
| McClain, Oklahoma | 5 | $ 1,155,000 | $ 231,000 | $ 203,000 |
| Pottawatomie, Oklahoma | 5 | $ 705,000 | $ 141,000 | $ 53,000 |
| Creek, Oklahoma | 4 | $ 1,060,000 | $ 265,000 | $ 106,000 |
| Murray, Oklahoma | 4 | $ 830,000 | $ 207,500 | $ 117,000 |
| Osage, Oklahoma | 4 | $ 570,000 | $ 142,500 | $ 75,000 |
| Tillman, Oklahoma | 4 | $ 380,000 | $ 95,000 | $ 99,000 |
| Harper, Kansas | 3 | $ 225,000 | $ 75,000 | $ 121,000 |
| Pontotoc, Oklahoma | 3 | $ 455,000 | $ 151,666 | $ 60,000 |
| Stephens, Oklahoma | 3 | $ 445,000 | $ 148,333 | $ 131,000 |
| Comanche, Texas | 3 | $ 385,000 | $ 128,333 | $ 91,000 |
| Taylor, Texas | 3 | $ 415,000 | $ 138,333 | $ 96,000 |
| Tom Green, Texas | 3 | $ 595,000 | $ 198,333 | $ 118,000 |
| Walton, Florida | 2 | $ 630,000 | $ 315,000 | $ 146,000 |
| Morton, Kansas | 2 | $ 130,000 | $ 65,000 | $ 52,000 |
| Eddy, New Mexico | 2 | $ 270,000 | $ 135,000 | $ 40,000 |
| Bryan, Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 32,000 |
| Dewey, Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 67,000 |
| Jefferson, Oklahoma | 2 | $ 550,000 | $ 275,000 | $ 126,000 |
| Johnston, Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 61,000 |
| Kiowa, Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 74,000 |
| Lincoln, Oklahoma | 2 | $ 270,000 | $ 135,000 | $ 130,000 |
| Love, Oklahoma | 2 | $ 200,000 | $ 100,000 | $ 38,000 |
| Marshall, Oklahoma | 2 | $ 540,000 | $ 270,000 | $ 540,000 |
| Brown, Texas | 2 | $ 310,000 | $ 155,000 | $ 66,000 |
| Midland, Texas | 2 | $ 810,000 | $ 405,000 | $ 263,000 |
| Parker, Texas | 2 | $ 730,000 | $ 365,000 | $ 190,000 |
| Travis, Texas | 2 | $ 410,000 | $ 205,000 | $ 55,000 |
| Baldwin, Alabama | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Madison, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Baca, Colorado | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Denver, Colorado | 1 | $ 395,000 | $ 395,000 | $ 92,000 |
| Grand, Colorado | 1 | $ 255,000 | $ 255,000 | $ 179,000 |
| Orange, Florida | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Pasco, Florida | 1 | $ 185,000 | $ 185,000 | $ 749,000 |
| Riley, Kansas | 1 | $ 165,000 | $ 165,000 | $ 131,000 |
| Taos, New Mexico | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Washington, Ohio | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Alfalfa, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Beckham, Oklahoma | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Blaine, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Caddo, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Coal, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 165,000 |
| Comanche, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Cotton, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Custer, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 141,000 |
| Garvin, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Harper, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Haskell, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 1,196,000 |
| Major, Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 121,000 |
| McIntosh, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Muskogee, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Nowata, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Pittsburg, Oklahoma | 1 | $ 335,000 | $ 335,000 | $ 531,000 |
| Washington, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Woods, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Bastrop, Texas | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Bexar, Texas | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Dallas, Texas | 1 | $ 185,000 | $ 185,000 | $ 112,000 |
| Denton, Texas | 1 | $ 285,000 | $ 285,000 | $ 668,000 |
| Mason, Texas | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Montgomery, Texas | 1 | $ 315,000 | $ 315,000 | $ 173,000 |
| Reagan, Texas | 1 | $ 65,000 | $ 65,000 | $ 141,000 |
| Runnels, Texas | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Tarrant, Texas | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Young, Texas | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Campbell, Wyoming | 1 | $ 275,000 | $ 275,000 | $ 108,000 |
| Laramie, Wyoming | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2018
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 | 520 | $89,630,000 | $172,000 | $835,000 | $100,000 | $1,563,000 |
| Refinancing | 170 | $36,910,000 | $217,000 | $835,000 | $117,000 | $749,000 |
| Cash-out Refinancing | 97 | $15,535,000 | $160,000 | $665,000 | $123,000 | $1,196,000 |
| Home Improvement | 23 | $2,495,000 | $108,000 | $415,000 | $153,000 | $989,000 |
| Other Purpose | 5 | $195,000 | $39,000 | $75,000 | $146,000 | $261,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 558 | $101,080,000 | $181,000 | $835,000 | $108,000 | $1,563,000 |
| Not Provided | 92 | $17,480,000 | $190,000 | $715,000 | $127,000 | $668,000 |
| American Indian or Alaskan Native | 60 | $10,210,000 | $170,000 | $835,000 | $88,000 | $308,000 |
| Not applicable | 53 | $7,545,000 | $142,000 | $825,000 | $0 | $0 |
| Hispanic | 25 | $3,925,000 | $157,000 | $385,000 | $85,000 | $315,000 |
| Asian | 12 | $1,740,000 | $145,000 | $385,000 | $99,000 | $275,000 |
| Black or African American | 12 | $2,380,000 | $198,000 | $665,000 | $87,000 | $299,000 |
| 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) | 593 | $109,295,000 | $184,000 | $835,000 | $121,000 | $1,563,000 |
| FHA-insured (Federal Housing Administration) | 129 | $19,275,000 | $149,000 | $325,000 | $76,000 | $537,000 |
| VA-guaranteed (Veterans Administration) | 61 | $12,335,000 | $202,000 | $565,000 | $86,000 | $351,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,860,000 | $120,000 | $315,000 | $47,000 | $82,000 |
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 | 595 | $104,335,000 | $175,000 | $835,000 | $110,000 | $1,563,000 |
| Application Denied By Financial Institution | 110 | $19,910,000 | $181,000 | $665,000 | $101,000 | $749,000 |
| Application Withdrawn By Applicant | 90 | $17,650,000 | $196,000 | $715,000 | $111,000 | $537,000 |
| Application Approved But Not Accepted | 20 | $2,870,000 | $143,000 | $305,000 | $73,000 | $197,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 705 | $124,855,000 | $177,000 | $835,000 | $109,000 | $1,563,000 |
| Credit Application Incomplete | 33 | $5,045,000 | $152,000 | $425,000 | $117,000 | $668,000 |
| Debt-To-Income Ratio | 31 | $6,455,000 | $208,000 | $525,000 | $92,000 | $749,000 |
| Credit History | 24 | $3,860,000 | $160,000 | $605,000 | $111,000 | $458,000 |
| Other | 8 | $1,500,000 | $187,000 | $665,000 | $70,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,200,000 | $300,000 | $665,000 | $135,000 | $275,000 |
| Collateral | 4 | $560,000 | $140,000 | $245,000 | $58,000 | $70,000 |
| Unverifiable Information | 3 | $865,000 | $288,000 | $455,000 | $70,000 | $77,000 |
| Employment History | 3 | $425,000 | $141,000 | $265,000 | $58,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2018 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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