F&M Bank Mortgage Lending & HMDA Data, 2020
In 2020, F&M Bank of Edmond, OK reported 1,401 mortgage applications totaling $302.3 million, up 67% from 2019. The average application was for $215,785, and applicants reported an average income of $117,547. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Oklahoma City, OK (883), Tulsa, OK (48) and Enid, OK (11) (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 | 1,401 |
| Total Mortgage Loan Application Amount | $302,315,000 |
| Average Mortgage Loan Application Amount | $215,785 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $117,547 |
| Highest Applicant Income | $2,272,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 406 | $ 101,220,000 | $ 249,310 | $ 140,000 |
| Canadian, Oklahoma | 273 | $ 56,845,000 | $ 208,223 | $ 98,000 |
| Logan, Oklahoma | 80 | $ 17,220,000 | $ 215,250 | $ 104,000 |
| Cleveland, Oklahoma | 64 | $ 14,020,000 | $ 219,062 | $ 117,000 |
| Kingfisher, Oklahoma | 55 | $ 12,365,000 | $ 224,818 | $ 156,000 |
| Mayes, Oklahoma | 55 | $ 9,545,000 | $ 173,545 | $ 97,000 |
| Carter, Oklahoma | 34 | $ 7,030,000 | $ 206,764 | $ 109,000 |
| Grady, Oklahoma | 32 | $ 7,730,000 | $ 241,562 | $ 119,000 |
| Texas, Oklahoma | 29 | $ 4,855,000 | $ 167,413 | $ 85,000 |
| McClain, Oklahoma | 26 | $ 5,750,000 | $ 221,153 | $ 101,000 |
| Kay, Oklahoma | 24 | $ 3,520,000 | $ 146,666 | $ 68,000 |
| Tulsa, Oklahoma | 19 | $ 4,055,000 | $ 213,421 | $ 143,000 |
| Fannin, Texas | 19 | $ 3,535,000 | $ 186,052 | $ 105,000 |
| Rogers, Oklahoma | 18 | $ 3,200,000 | $ 177,777 | $ 87,000 |
| Garfield, Oklahoma | 11 | $ 1,895,000 | $ 172,272 | $ 80,000 |
| Erath, Texas | 11 | $ 2,475,000 | $ 225,000 | $ 158,000 |
| Hughes, Oklahoma | 10 | $ 1,140,000 | $ 114,000 | $ 93,000 |
| Pottawatomie, Oklahoma | 10 | $ 2,560,000 | $ 256,000 | $ 145,000 |
| Delaware, Oklahoma | 9 | $ 1,815,000 | $ 201,666 | $ 114,000 |
| Eddy, New Mexico | 7 | $ 1,655,000 | $ 236,428 | $ 77,000 |
| Craig, Oklahoma | 7 | $ 835,000 | $ 119,285 | $ 68,000 |
| Love, Oklahoma | 7 | $ 1,195,000 | $ 170,714 | $ 98,000 |
| Murray, Oklahoma | 7 | $ 1,475,000 | $ 210,714 | $ 97,000 |
| Cherokee, Oklahoma | 6 | $ 1,380,000 | $ 230,000 | $ 118,000 |
| Marshall, Oklahoma | 6 | $ 1,160,000 | $ 193,333 | $ 91,000 |
| Woodward, Oklahoma | 6 | $ 900,000 | $ 150,000 | $ 58,000 |
| Tom Green, Texas | 6 | $ 830,000 | $ 138,333 | $ 56,000 |
| Travis, Texas | 6 | $ 1,720,000 | $ 286,666 | $ 132,000 |
| Jackson, Oklahoma | 5 | $ 1,025,000 | $ 205,000 | $ 186,000 |
| Osage, Oklahoma | 5 | $ 675,000 | $ 135,000 | $ 43,000 |
| Ottawa, Oklahoma | 5 | $ 975,000 | $ 195,000 | $ 89,000 |
| Pittsburg, Oklahoma | 5 | $ 1,035,000 | $ 207,000 | $ 166,000 |
| Comanche, Oklahoma | 4 | $ 830,000 | $ 207,500 | $ 196,000 |
| Le Flore, Oklahoma | 4 | $ 680,000 | $ 170,000 | $ 73,000 |
| Payne, Oklahoma | 4 | $ 760,000 | $ 190,000 | $ 116,000 |
| Woods, Oklahoma | 4 | $ 510,000 | $ 127,500 | $ 63,000 |
| Denton, Texas | 4 | $ 1,160,000 | $ 290,000 | $ 185,000 |
| Tarrant, Texas | 4 | $ 750,000 | $ 187,500 | $ 69,000 |
| Harper, Kansas | 3 | $ 315,000 | $ 105,000 | $ 98,000 |
| Caddo, Oklahoma | 3 | $ 435,000 | $ 145,000 | $ 51,000 |
| Creek, Oklahoma | 3 | $ 465,000 | $ 155,000 | $ 834,000 |
| Harmon, Oklahoma | 3 | $ 365,000 | $ 121,666 | $ 138,000 |
| Kiowa, Oklahoma | 3 | $ 365,000 | $ 121,666 | $ 158,000 |
| Seminole, Oklahoma | 3 | $ 425,000 | $ 141,666 | $ 88,000 |
| Bastrop, Texas | 3 | $ 675,000 | $ 225,000 | $ 53,000 |
| Brown, Texas | 3 | $ 535,000 | $ 178,333 | $ 96,000 |
| Collin, Texas | 3 | $ 875,000 | $ 291,666 | $ 265,000 |
| Nueces, Texas | 3 | $ 615,000 | $ 205,000 | $ 94,000 |
| Taylor, Texas | 3 | $ 475,000 | $ 158,333 | $ 53,000 |
| Montgomery, Arkansas | 2 | $ 630,000 | $ 315,000 | $ 249,000 |
| Lake, Florida | 2 | $ 230,000 | $ 115,000 | $ 56,000 |
| Dubuque, Iowa | 2 | $ 470,000 | $ 235,000 | $ 102,000 |
| Colfax, New Mexico | 2 | $ 550,000 | $ 275,000 | $ 146,000 |
| Alfalfa, Oklahoma | 2 | $ 310,000 | $ 155,000 | $ 40,000 |
| Beckham, Oklahoma | 2 | $ 350,000 | $ 175,000 | $ 118,000 |
| Garvin, Oklahoma | 2 | $ 380,000 | $ 190,000 | $ 257,000 |
| Haskell, Oklahoma | 2 | $ 440,000 | $ 220,000 | $ 71,000 |
| Lincoln, Oklahoma | 2 | $ 480,000 | $ 240,000 | $ 97,000 |
| Major, Oklahoma | 2 | $ 260,000 | $ 130,000 | $ 142,000 |
| Muskogee, Oklahoma | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
| Nowata, Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 107,000 |
| Sequoyah, Oklahoma | 2 | $ 400,000 | $ 200,000 | $ 132,000 |
| Stephens, Oklahoma | 2 | $ 520,000 | $ 260,000 | $ 130,000 |
| Tillman, Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 36,000 |
| Wagoner, Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Washington, Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 67,000 |
| Comanche, Texas | 2 | $ 160,000 | $ 80,000 | $ 48,000 |
| Eastland, Texas | 2 | $ 360,000 | $ 180,000 | $ 62,000 |
| Fort Bend, Texas | 2 | $ 530,000 | $ 265,000 | $ 93,000 |
| Gregg, Texas | 2 | $ 370,000 | $ 185,000 | $ 49,000 |
| Hansford, Texas | 2 | $ 200,000 | $ 100,000 | $ 62,000 |
| Harris, Texas | 2 | $ 360,000 | $ 180,000 | $ 98,000 |
| Smith, Texas | 2 | $ 640,000 | $ 320,000 | $ 188,000 |
| Baldwin, Alabama | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| Lee, Alabama | 1 | $ 225,000 | $ 225,000 | $ 172,000 |
| Benton, Arkansas | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Cross, Arkansas | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Garland, Arkansas | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Los Angeles, California | 1 | $ 45,000 | $ 45,000 | $ 301,000 |
| Yuba, California | 1 | $ 405,000 | $ 405,000 | $ 81,000 |
| Douglas, Colorado | 1 | $ 355,000 | $ 355,000 | $ 155,000 |
| El Paso, Colorado | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Jefferson, Colorado | 1 | $ 275,000 | $ 275,000 | $ 138,000 |
| Teller, Colorado | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| District of Columbia, District Of Columbia | 1 | $ 235,000 | $ 235,000 | $ 175,000 |
| Broward, Florida | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Escambia, Florida | 1 | $ 145,000 | $ 145,000 | $ 142,000 |
| DeKalb, Georgia | 1 | $ 265,000 | $ 265,000 | $ 35,000 |
| Valley, Idaho | 1 | $ 305,000 | $ 305,000 | $ 152,000 |
| Bryan, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Okmulgee, Oklahoma | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Washita, Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Klamath, Oregon | 1 | $ 185,000 | $ 185,000 | $ 213,000 |
| Marion, Oregon | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Jasper, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Richland, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Callahan, Texas | 1 | $ 395,000 | $ 395,000 | $ 177,000 |
| Concho, Texas | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Dallas, Texas | 1 | $ 455,000 | $ 455,000 | $ 97,000 |
| Grayson, Texas | 1 | $ 335,000 | $ 335,000 | $ 117,000 |
| Hamilton, Texas | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Kerr, Texas | 1 | $ 115,000 | $ 115,000 | $ 198,000 |
| McLennan, Texas | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Young, Texas | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Fairfax, Virginia | 1 | $ 345,000 | $ 345,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2020
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 | 619 | $126,565,000 | $204,000 | $585,000 | $96,000 | $829,000 |
| Refinancing | 563 | $130,175,000 | $231,000 | $1,175,000 | $130,000 | $1,296,000 |
| Cash-out Refinancing | 202 | $44,170,000 | $218,000 | $665,000 | $143,000 | $2,272,000 |
| Home Improvement | 11 | $675,000 | $61,000 | $95,000 | $110,000 | $202,000 |
| Other Purpose | 6 | $730,000 | $121,000 | $615,000 | $329,000 | $1,296,000 |
| 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 | 1,068 | $235,230,000 | $220,000 | $1,175,000 | $120,000 | $1,296,000 |
| American Indian or Alaskan Native | 100 | $18,650,000 | $186,000 | $515,000 | $91,000 | $384,000 |
| Not Provided | 79 | $17,955,000 | $227,000 | $965,000 | $145,000 | $2,272,000 |
| Hispanic | 59 | $12,315,000 | $208,000 | $515,000 | $88,000 | $231,000 |
| Asian | 33 | $6,515,000 | $197,000 | $455,000 | $112,000 | $298,000 |
| Black or African American | 26 | $4,970,000 | $191,000 | $515,000 | $100,000 | $301,000 |
| Not applicable | 24 | $2,850,000 | $118,000 | $795,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $625,000 | $208,000 | $315,000 | $94,000 | $163,000 |
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) | 1,113 | $244,455,000 | $219,000 | $1,175,000 | $127,000 | $2,272,000 |
| FHA-insured (Federal Housing Administration) | 144 | $24,860,000 | $172,000 | $365,000 | $68,000 | $159,000 |
| VA-guaranteed (Veterans Administration) | 107 | $27,575,000 | $257,000 | $665,000 | $108,000 | $650,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,425,000 | $146,000 | $265,000 | $53,000 | $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 | 1,074 | $235,450,000 | $219,000 | $1,175,000 | $118,000 | $1,296,000 |
| Application Approved But Not Accepted | 195 | $41,955,000 | $215,000 | $965,000 | $116,000 | $807,000 |
| Application Denied By Financial Institution | 113 | $19,805,000 | $175,000 | $515,000 | $107,000 | $2,272,000 |
| Application Withdrawn By Applicant | 19 | $5,105,000 | $268,000 | $515,000 | $177,000 | $396,000 |
| 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 | 1,288 | $282,510,000 | $219,000 | $1,175,000 | $119,000 | $1,296,000 |
| Debt-To-Income Ratio | 42 | $7,210,000 | $171,000 | $425,000 | $74,000 | $225,000 |
| Credit History | 36 | $6,090,000 | $169,000 | $515,000 | $94,000 | $192,000 |
| Other | 12 | $1,440,000 | $120,000 | $275,000 | $266,000 | $2,272,000 |
| Collateral | 12 | $2,790,000 | $232,000 | $515,000 | $125,000 | $475,000 |
| Unverifiable Information | 5 | $975,000 | $195,000 | $225,000 | $61,000 | $96,000 |
| Employment History | 5 | $895,000 | $179,000 | $295,000 | $72,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $405,000 | $405,000 | $405,000 | $192,000 | $192,000 |
| Mortgage Insurance Denied | 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 2020 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.
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