F&M Bank Mortgage Lending & HMDA Data, 2019
In 2019, F&M Bank of Edmond, OK reported 839 mortgage applications totaling $156.8 million, up 3% from 2018. The average application was for $186,942, and applicants reported an average income of $107,562. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Oklahoma City, OK (493), Tulsa, OK (38) and San Angelo, TX (12) (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 | 839 |
| Total Mortgage Loan Application Amount | $156,845,000 |
| Average Mortgage Loan Application Amount | $186,942 |
| Highest Mortgage Loan Application Amount | $4,625,000 |
| Average Applicant Income | $107,562 |
| Highest Applicant Income | $1,304,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 232 | $ 52,400,000 | $ 225,862 | $ 129,000 |
| Canadian, Oklahoma | 147 | $ 27,925,000 | $ 189,965 | $ 102,000 |
| Logan, Oklahoma | 51 | $ 7,855,000 | $ 154,019 | $ 101,000 |
| Cleveland, Oklahoma | 40 | $ 7,210,000 | $ 180,250 | $ 110,000 |
| Carter, Oklahoma | 35 | $ 6,545,000 | $ 187,000 | $ 104,000 |
| Kingfisher, Oklahoma | 34 | $ 3,660,000 | $ 107,647 | $ 87,000 |
| Rogers, Oklahoma | 24 | $ 3,720,000 | $ 155,000 | $ 83,000 |
| Mayes, Oklahoma | 21 | $ 3,415,000 | $ 162,619 | $ 84,000 |
| Texas, Oklahoma | 21 | $ 2,945,000 | $ 140,238 | $ 73,000 |
| Eddy, New Mexico | 13 | $ 2,375,000 | $ 182,692 | $ 75,000 |
| Kay, Oklahoma | 13 | $ 1,435,000 | $ 110,384 | $ 61,000 |
| Grady, Oklahoma | 12 | $ 2,490,000 | $ 207,500 | $ 95,000 |
| Tom Green, Texas | 12 | $ 1,760,000 | $ 146,666 | $ 107,000 |
| McClain, Oklahoma | 10 | $ 2,060,000 | $ 206,000 | $ 88,000 |
| Fannin, Texas | 10 | $ 1,300,000 | $ 130,000 | $ 71,000 |
| Garfield, Oklahoma | 9 | $ 1,395,000 | $ 155,000 | $ 69,000 |
| Jackson, Oklahoma | 8 | $ 1,440,000 | $ 180,000 | $ 109,000 |
| Woodward, Oklahoma | 8 | $ 1,100,000 | $ 137,500 | $ 96,000 |
| Hughes, Oklahoma | 7 | $ 575,000 | $ 82,142 | $ 57,000 |
| Tulsa, Oklahoma | 7 | $ 1,775,000 | $ 253,571 | $ 278,000 |
| Delaware, Oklahoma | 5 | $ 1,145,000 | $ 229,000 | $ 194,000 |
| Murray, Oklahoma | 5 | $ 995,000 | $ 199,000 | $ 114,000 |
| Seminole, Oklahoma | 5 | $ 735,000 | $ 147,000 | $ 82,000 |
| Erath, Texas | 5 | $ 1,235,000 | $ 247,000 | $ 118,000 |
| Runnels, Texas | 5 | $ 395,000 | $ 79,000 | $ 75,000 |
| Craig, Oklahoma | 4 | $ 530,000 | $ 132,500 | $ 79,000 |
| Love, Oklahoma | 4 | $ 660,000 | $ 165,000 | $ 82,000 |
| Marshall, Oklahoma | 4 | $ 1,260,000 | $ 315,000 | $ 125,000 |
| Woods, Oklahoma | 4 | $ 900,000 | $ 225,000 | $ 133,000 |
| Harper, Kansas | 3 | $ 325,000 | $ 108,333 | $ 62,000 |
| Lea, New Mexico | 3 | $ 705,000 | $ 235,000 | $ 112,000 |
| Bryan, Oklahoma | 3 | $ 555,000 | $ 185,000 | $ 113,000 |
| Osage, Oklahoma | 3 | $ 425,000 | $ 141,666 | $ 75,000 |
| Ottawa, Oklahoma | 3 | $ 325,000 | $ 108,333 | $ 111,000 |
| Payne, Oklahoma | 3 | $ 405,000 | $ 135,000 | $ 321,000 |
| Pittsburg, Oklahoma | 3 | $ 995,000 | $ 331,666 | $ 144,000 |
| Pontotoc, Oklahoma | 3 | $ 575,000 | $ 191,666 | $ 83,000 |
| Tarrant, Texas | 3 | $ 425,000 | $ 141,666 | $ 43,000 |
| Montgomery, New York | 2 | $ 440,000 | $ 220,000 | $ 192,000 |
| Alfalfa, Oklahoma | 2 | $ 240,000 | $ 120,000 | $ 73,000 |
| Cimarron, Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 73,000 |
| Kiowa, Oklahoma | 2 | $ 300,000 | $ 150,000 | $ 93,000 |
| Pottawatomie, Oklahoma | 2 | $ 120,000 | $ 60,000 | $ 96,000 |
| Wagoner, Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 108,000 |
| Comanche, Texas | 2 | $ 460,000 | $ 230,000 | $ 113,000 |
| Dallas, Texas | 2 | $ 640,000 | $ 320,000 | $ 169,000 |
| Washington, Virginia | 2 | $ 300,000 | $ 150,000 | $ 37,000 |
| Benton, Arkansas | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Sebastian, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Yuba, California | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Gunnison, Colorado | 1 | $ 485,000 | $ 485,000 | $ 89,000 |
| Summit, Colorado | 1 | $ 235,000 | $ 235,000 | $ 347,000 |
| Weld, Colorado | 1 | $ 315,000 | $ 315,000 | $ 284,000 |
| Louisa, Iowa | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Kingman, Kansas | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Clay, Missouri | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Jefferson, Missouri | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Colfax, New Mexico | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Schenectady, New York | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Blaine, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Creek, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Dewey, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Johnston, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 118,000 |
| Le Flore, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Lincoln, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| McCurtain, Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 88,000 |
| McIntosh, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| Okmulgee, Oklahoma | 1 | $ 435,000 | $ 435,000 | $ 126,000 |
| Stephens, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Tillman, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Atascosa, Texas | 1 | $ 175,000 | $ 175,000 | $ 124,000 |
| Callahan, Texas | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Cameron, Texas | 1 | $ 225,000 | $ 225,000 | $ 254,000 |
| Concho, Texas | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Eastland, Texas | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Ector, Texas | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Hansford, Texas | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Hays, Texas | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Hunt, Texas | 1 | $ 275,000 | $ 275,000 | $ 129,000 |
| Nolan, Texas | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Sherman, Texas | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Taylor, Texas | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Williamson, Texas | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Bristol, Virginia | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Walla Walla, Washington | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Campbell, 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.
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