F&M Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
F&M Bank 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 839 |
| Total Mortgage Loan Application Amount | $156,845,000 |
| Average Mortgage Loan Application Amount | $150,600 |
| Highest Mortgage Loan Application Amount | $4,625,000 |
| Average Applicant Income | $113,000 |
| Highest Applicant Income | $1,304,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with F&M Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing F&M Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down F&M Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how F&M Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by F&M Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at F&M Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma County Oklahoma | 232 | $ 52,400,000 | $ 225,000 | $ 129,000 |
| Canadian County Oklahoma | 147 | $ 27,925,000 | $ 189,000 | $ 102,000 |
| Logan County Oklahoma | 51 | $ 7,855,000 | $ 154,000 | $ 101,000 |
| Cleveland County Oklahoma | 40 | $ 7,210,000 | $ 180,000 | $ 110,000 |
| Carter County Oklahoma | 35 | $ 6,545,000 | $ 187,000 | $ 104,000 |
| Kingfisher County Oklahoma | 34 | $ 3,660,000 | $ 107,000 | $ 87,000 |
| Rogers County Oklahoma | 24 | $ 3,720,000 | $ 155,000 | $ 83,000 |
| Mayes County Oklahoma | 21 | $ 3,415,000 | $ 162,000 | $ 84,000 |
| Texas County Oklahoma | 21 | $ 2,945,000 | $ 140,000 | $ 73,000 |
| Eddy County New Mexico | 13 | $ 2,375,000 | $ 182,000 | $ 75,000 |
| Kay County Oklahoma | 13 | $ 1,435,000 | $ 110,000 | $ 61,000 |
| Grady County Oklahoma | 12 | $ 2,490,000 | $ 207,000 | $ 95,000 |
| Tom Green County Texas | 12 | $ 1,760,000 | $ 146,000 | $ 107,000 |
| McClain County Oklahoma | 10 | $ 2,060,000 | $ 206,000 | $ 88,000 |
| Fannin County Texas | 10 | $ 1,300,000 | $ 130,000 | $ 71,000 |
| Garfield County Oklahoma | 9 | $ 1,395,000 | $ 155,000 | $ 69,000 |
| Jackson County Oklahoma | 8 | $ 1,440,000 | $ 180,000 | $ 109,000 |
| Woodward County Oklahoma | 8 | $ 1,100,000 | $ 137,000 | $ 96,000 |
| Hughes County Oklahoma | 7 | $ 575,000 | $ 82,000 | $ 57,000 |
| Tulsa County Oklahoma | 7 | $ 1,775,000 | $ 253,000 | $ 278,000 |
| Delaware County Oklahoma | 5 | $ 1,145,000 | $ 229,000 | $ 194,000 |
| Murray County Oklahoma | 5 | $ 995,000 | $ 199,000 | $ 114,000 |
| Seminole County Oklahoma | 5 | $ 735,000 | $ 147,000 | $ 82,000 |
| Erath County Texas | 5 | $ 1,235,000 | $ 247,000 | $ 118,000 |
| Runnels County Texas | 5 | $ 395,000 | $ 79,000 | $ 75,000 |
| Craig County Oklahoma | 4 | $ 530,000 | $ 132,000 | $ 79,000 |
| Love County Oklahoma | 4 | $ 660,000 | $ 165,000 | $ 82,000 |
| Marshall County Oklahoma | 4 | $ 1,260,000 | $ 315,000 | $ 125,000 |
| Woods County Oklahoma | 4 | $ 900,000 | $ 225,000 | $ 133,000 |
| Harper County Kansas | 3 | $ 325,000 | $ 108,000 | $ 62,000 |
| Lea County New Mexico | 3 | $ 705,000 | $ 235,000 | $ 112,000 |
| Bryan County Oklahoma | 3 | $ 555,000 | $ 185,000 | $ 113,000 |
| Osage County Oklahoma | 3 | $ 425,000 | $ 141,000 | $ 75,000 |
| Ottawa County Oklahoma | 3 | $ 325,000 | $ 108,000 | $ 111,000 |
| Payne County Oklahoma | 3 | $ 405,000 | $ 135,000 | $ 321,000 |
| Pittsburg County Oklahoma | 3 | $ 995,000 | $ 331,000 | $ 144,000 |
| Pontotoc County Oklahoma | 3 | $ 575,000 | $ 191,000 | $ 83,000 |
| Tarrant County Texas | 3 | $ 425,000 | $ 141,000 | $ 43,000 |
| Montgomery County New York | 2 | $ 440,000 | $ 220,000 | $ 192,000 |
| Alfalfa County Oklahoma | 2 | $ 240,000 | $ 120,000 | $ 73,000 |
| Cimarron County Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 73,000 |
| Kiowa County Oklahoma | 2 | $ 300,000 | $ 150,000 | $ 93,000 |
| Pottawatomie County Oklahoma | 2 | $ 120,000 | $ 60,000 | $ 96,000 |
| Wagoner County Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 108,000 |
| Comanche County Texas | 2 | $ 460,000 | $ 230,000 | $ 113,000 |
| Dallas County Texas | 2 | $ 640,000 | $ 320,000 | $ 169,000 |
| Washington County Virginia | 2 | $ 300,000 | $ 150,000 | $ 37,000 |
| Benton County Arkansas | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Sebastian County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Yuba County California | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Gunnison County Colorado | 1 | $ 485,000 | $ 485,000 | $ 89,000 |
| Summit County Colorado | 1 | $ 235,000 | $ 235,000 | $ 347,000 |
| Weld County Colorado | 1 | $ 315,000 | $ 315,000 | $ 284,000 |
| Louisa County Iowa | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Kingman County Kansas | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Clay County Missouri | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Jefferson County Missouri | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Colfax County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Schenectady County New York | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Blaine County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Creek County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Dewey County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Johnston County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 118,000 |
| Le Flore County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Lincoln County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| McCurtain County Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 88,000 |
| McIntosh County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| Okmulgee County Oklahoma | 1 | $ 435,000 | $ 435,000 | $ 126,000 |
| Stephens County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Tillman County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Atascosa County Texas | 1 | $ 175,000 | $ 175,000 | $ 124,000 |
| Callahan County Texas | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Cameron County Texas | 1 | $ 225,000 | $ 225,000 | $ 254,000 |
| Concho County Texas | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Eastland County Texas | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Ector County Texas | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Hansford County Texas | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Hays County Texas | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Hunt County Texas | 1 | $ 275,000 | $ 275,000 | $ 129,000 |
| Nolan County Texas | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Sherman County Texas | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Taylor County Texas | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Williamson County Texas | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Bristol County Virginia | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Walla Walla County Washington | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Campbell County Wyoming | 1 | $ 235,000 | $ 235,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2019
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 | 523 | $91,515,000 | $174,000 | $595,000 | $99,000 | $658,000 |
| Refinancing | 179 | $41,975,000 | $234,000 | $4,625,000 | $133,000 | $1,304,000 |
| Cash-out Refinancing | 106 | $20,770,000 | $195,000 | $615,000 | $106,000 | $342,000 |
| Home Improvement | 24 | $2,160,000 | $90,000 | $305,000 | $108,000 | $619,000 |
| Other Purpose | 7 | $425,000 | $60,000 | $155,000 | $119,000 | $271,000 |
| 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 | 610 | $113,890,000 | $186,000 | $875,000 | $107,000 | $1,304,000 |
| American Indian or Alaskan Native | 59 | $12,485,000 | $211,000 | $485,000 | $111,000 | $380,000 |
| Not Provided | 51 | $7,915,000 | $155,000 | $395,000 | $129,000 | $658,000 |
| Hispanic | 44 | $6,400,000 | $145,000 | $405,000 | $82,000 | $314,000 |
| Not applicable | 42 | $9,880,000 | $235,000 | $4,625,000 | $0 | $0 |
| Black or African American | 21 | $3,965,000 | $188,000 | $565,000 | $95,000 | $287,000 |
| Asian | 5 | $1,155,000 | $231,000 | $485,000 | $235,000 | $658,000 |
| 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) | 611 | $118,895,000 | $194,000 | $4,625,000 | $122,000 | $1,304,000 |
| FHA-insured (Federal Housing Administration) | 139 | $20,245,000 | $145,000 | $285,000 | $66,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 64 | $14,830,000 | $231,000 | $595,000 | $91,000 | $229,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,875,000 | $115,000 | $225,000 | $50,000 | $85,000 |
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 | 646 | $123,760,000 | $191,000 | $4,625,000 | $110,000 | $1,304,000 |
| Application Approved But Not Accepted | 137 | $24,525,000 | $179,000 | $875,000 | $104,000 | $480,000 |
| Application Denied By Financial Institution | 53 | $7,855,000 | $148,000 | $615,000 | $88,000 | $287,000 |
| Application Withdrawn By Applicant | 2 | $400,000 | $200,000 | $205,000 | $78,000 | $99,000 |
| Loan Purchased By The Institution | 1 | $305,000 | $305,000 | $305,000 | $96,000 | $96,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 786 | $148,990,000 | $189,000 | $4,625,000 | $109,000 | $1,304,000 |
| Debt-To-Income Ratio | 23 | $4,375,000 | $190,000 | $615,000 | $73,000 | $136,000 |
| Credit History | 17 | $1,475,000 | $86,000 | $205,000 | $74,000 | $240,000 |
| Collateral | 8 | $1,320,000 | $165,000 | $275,000 | $133,000 | $254,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $155,000 | $114,000 | $120,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $287,000 | $287,000 |
| Mortgage Insurance Denied | 1 | $185,000 | $185,000 | $185,000 | $144,000 | $144,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $20,000 | $20,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2019 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.