F&M Bank Mortgage Lending & HMDA Data, 2021
In 2021, F&M Bank of Edmond, OK reported 1,236 mortgage applications totaling $276.8 million, down 12% from 2020. The average application was for $223,940, and applicants reported an average income of $117,075. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Oklahoma City, OK (835), Tulsa, OK (18) and Dallas-Plano-Irving, TX (9) (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 | 1,236 |
| Total Mortgage Loan Application Amount | $276,790,000 |
| Average Mortgage Loan Application Amount | $223,940 |
| Highest Mortgage Loan Application Amount | $1,355,000 |
| Average Applicant Income | $117,075 |
| Highest Applicant Income | $1,415,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 413 | $ 103,555,000 | $ 250,738 | $ 137,000 |
| Canadian, Oklahoma | 209 | $ 44,585,000 | $ 213,325 | $ 99,000 |
| Logan, Oklahoma | 89 | $ 17,995,000 | $ 202,191 | $ 114,000 |
| Cleveland, Oklahoma | 73 | $ 15,815,000 | $ 216,643 | $ 84,000 |
| Grady, Oklahoma | 36 | $ 8,430,000 | $ 234,166 | $ 101,000 |
| Texas, Oklahoma | 35 | $ 5,015,000 | $ 143,285 | $ 79,000 |
| Kingfisher, Oklahoma | 34 | $ 4,920,000 | $ 144,705 | $ 98,000 |
| Kay, Oklahoma | 31 | $ 4,965,000 | $ 160,161 | $ 88,000 |
| Carter, Oklahoma | 21 | $ 5,085,000 | $ 242,142 | $ 164,000 |
| Fannin, Texas | 15 | $ 3,205,000 | $ 213,666 | $ 102,000 |
| Marshall, Oklahoma | 13 | $ 2,665,000 | $ 205,000 | $ 113,000 |
| Jackson, Oklahoma | 11 | $ 1,995,000 | $ 181,363 | $ 181,000 |
| McClain, Oklahoma | 11 | $ 2,275,000 | $ 206,818 | $ 89,000 |
| Delaware, Oklahoma | 9 | $ 2,515,000 | $ 279,444 | $ 240,000 |
| Hughes, Oklahoma | 9 | $ 1,025,000 | $ 113,888 | $ 67,000 |
| Mayes, Oklahoma | 8 | $ 2,180,000 | $ 272,500 | $ 100,000 |
| Tom Green, Texas | 8 | $ 1,570,000 | $ 196,250 | $ 130,000 |
| Garfield, Oklahoma | 7 | $ 1,605,000 | $ 229,285 | $ 105,000 |
| Rogers, Oklahoma | 7 | $ 1,775,000 | $ 253,571 | $ 101,000 |
| Tarrant, Texas | 7 | $ 2,315,000 | $ 330,714 | $ 180,000 |
| Eddy, New Mexico | 6 | $ 1,070,000 | $ 178,333 | $ 74,000 |
| Tulsa, Oklahoma | 6 | $ 1,130,000 | $ 188,333 | $ 102,000 |
| Beckham, Oklahoma | 5 | $ 1,065,000 | $ 213,000 | $ 116,000 |
| Cherokee, Oklahoma | 5 | $ 955,000 | $ 191,000 | $ 97,000 |
| McIntosh, Oklahoma | 5 | $ 905,000 | $ 181,000 | $ 169,000 |
| Ottawa, Oklahoma | 5 | $ 1,145,000 | $ 229,000 | $ 119,000 |
| Seminole, Oklahoma | 5 | $ 1,185,000 | $ 237,000 | $ 142,000 |
| Custer, Oklahoma | 4 | $ 1,860,000 | $ 465,000 | $ 85,000 |
| Garvin, Oklahoma | 4 | $ 710,000 | $ 177,500 | $ 104,000 |
| Lincoln, Oklahoma | 4 | $ 630,000 | $ 157,500 | $ 75,000 |
| Murray, Oklahoma | 4 | $ 1,130,000 | $ 282,500 | $ 130,000 |
| Noble, Oklahoma | 4 | $ 540,000 | $ 135,000 | $ 81,000 |
| Payne, Oklahoma | 4 | $ 760,000 | $ 190,000 | $ 57,000 |
| Pottawatomie, Oklahoma | 4 | $ 610,000 | $ 152,500 | $ 71,000 |
| Stephens, Oklahoma | 4 | $ 1,070,000 | $ 267,500 | $ 75,000 |
| Woodward, Oklahoma | 4 | $ 530,000 | $ 132,500 | $ 96,000 |
| Van Zandt, Texas | 4 | $ 960,000 | $ 240,000 | $ 161,000 |
| Comanche, Oklahoma | 3 | $ 585,000 | $ 195,000 | $ 177,000 |
| Love, Oklahoma | 3 | $ 1,085,000 | $ 361,666 | $ 134,000 |
| Osage, Oklahoma | 3 | $ 455,000 | $ 151,666 | $ 110,000 |
| Collin, Texas | 3 | $ 1,065,000 | $ 355,000 | $ 146,000 |
| Dallas, Texas | 3 | $ 585,000 | $ 195,000 | $ 115,000 |
| Harris, Texas | 3 | $ 835,000 | $ 278,333 | $ 65,000 |
| Maricopa, Arizona | 2 | $ 390,000 | $ 195,000 | $ 77,000 |
| Benton, Arkansas | 2 | $ 730,000 | $ 365,000 | $ 178,000 |
| Harper, Kansas | 2 | $ 120,000 | $ 60,000 | $ 43,000 |
| Morton, Kansas | 2 | $ 290,000 | $ 145,000 | $ 76,000 |
| Dona Ana, New Mexico | 2 | $ 340,000 | $ 170,000 | $ 88,000 |
| Taos, New Mexico | 2 | $ 360,000 | $ 180,000 | $ 87,000 |
| Blaine, Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 88,000 |
| Caddo, Oklahoma | 2 | $ 380,000 | $ 190,000 | $ 57,000 |
| Craig, Oklahoma | 2 | $ 630,000 | $ 315,000 | $ 122,000 |
| Greer, Oklahoma | 2 | $ 270,000 | $ 135,000 | $ 87,000 |
| Wagoner, Oklahoma | 2 | $ 280,000 | $ 140,000 | $ 194,000 |
| Eastland, Texas | 2 | $ 490,000 | $ 245,000 | $ 89,000 |
| Erath, Texas | 2 | $ 550,000 | $ 275,000 | $ 137,000 |
| Hansford, Texas | 2 | $ 300,000 | $ 150,000 | $ 88,000 |
| Hunt, Texas | 2 | $ 270,000 | $ 135,000 | $ 117,000 |
| Lamar, Texas | 2 | $ 540,000 | $ 270,000 | $ 184,000 |
| Midland, Texas | 2 | $ 510,000 | $ 255,000 | $ 110,000 |
| Sherman, Texas | 2 | $ 430,000 | $ 215,000 | $ 159,000 |
| Taylor, Texas | 2 | $ 360,000 | $ 180,000 | $ 69,000 |
| Arlington, Virginia | 2 | $ 820,000 | $ 410,000 | $ 252,000 |
| Garland, Arkansas | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Montgomery, Arkansas | 1 | $ 615,000 | $ 615,000 | $ 245,000 |
| Adams, Colorado | 1 | $ 485,000 | $ 485,000 | $ 213,000 |
| Archuleta, Colorado | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Chaffee, Colorado | 1 | $ 455,000 | $ 455,000 | $ 386,000 |
| Custer, Colorado | 1 | $ 275,000 | $ 275,000 | $ 220,000 |
| Larimer, Colorado | 1 | $ 485,000 | $ 485,000 | $ 137,000 |
| Montezuma, Colorado | 1 | $ 455,000 | $ 455,000 | $ 413,000 |
| Broward, Florida | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Duval, Florida | 1 | $ 395,000 | $ 395,000 | $ 217,000 |
| DeKalb, Georgia | 1 | $ 265,000 | $ 265,000 | $ 36,000 |
| Effingham, Georgia | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Houston, Georgia | 1 | $ 305,000 | $ 305,000 | $ 123,000 |
| Johnson, Kansas | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Warren, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 127,000 |
| Jackson, Missouri | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Jasper, Missouri | 1 | $ 405,000 | $ 405,000 | $ 139,000 |
| Newton, Missouri | 1 | $ 275,000 | $ 275,000 | $ 211,000 |
| Box Butte, Nebraska | 1 | $ 115,000 | $ 115,000 | $ 136,000 |
| Chaves, New Mexico | 1 | $ 255,000 | $ 255,000 | $ 134,000 |
| Lincoln, New Mexico | 1 | $ 185,000 | $ 185,000 | $ 33,000 |
| Bryan, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 117,000 |
| Cimarron, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 106,000 |
| Ellis, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Grant, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 4,000 |
| Haskell, Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Jefferson, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Johnston, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Kiowa, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Le Flore, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Major, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| McCurtain, Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 484,000 |
| Muskogee, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Pittsburg, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 173,000 |
| Pontotoc, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Tillman, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Washington, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Woods, Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
| Bastrop, Texas | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Brown, Texas | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Clay, Texas | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Comal, Texas | 1 | $ 415,000 | $ 415,000 | $ 174,000 |
| Concho, Texas | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| El Paso, Texas | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Hamilton, Texas | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Kaufman, Texas | 1 | $ 305,000 | $ 305,000 | $ 322,000 |
| Nueces, Texas | 1 | $ 545,000 | $ 545,000 | $ 91,000 |
| Parker, Texas | 1 | $ 415,000 | $ 415,000 | $ 186,000 |
| Runnels, Texas | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Smith, Texas | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Travis, Texas | 1 | $ 345,000 | $ 345,000 | $ 267,000 |
| Upshur, Texas | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Wichita, Texas | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Wise, Texas | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Young, Texas | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2021
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 | 620 | $140,000,000 | $225,000 | $1,165,000 | $103,000 | $522,000 |
| Refinancing | 376 | $86,380,000 | $229,000 | $1,355,000 | $135,000 | $1,415,000 |
| Cash-out Refinancing | 222 | $48,390,000 | $217,000 | $545,000 | $124,000 | $772,000 |
| Home Improvement | 13 | $695,000 | $53,000 | $85,000 | $129,000 | $337,000 |
| Other Purpose | 5 | $1,325,000 | $265,000 | $615,000 | $176,000 | $245,000 |
| 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 | 911 | $204,025,000 | $223,000 | $1,165,000 | $121,000 | $1,415,000 |
| Not Provided | 113 | $25,845,000 | $228,000 | $545,000 | $113,000 | $484,000 |
| American Indian or Alaskan Native | 78 | $17,370,000 | $222,000 | $545,000 | $113,000 | $752,000 |
| Hispanic | 51 | $11,015,000 | $215,000 | $1,145,000 | $84,000 | $552,000 |
| Asian | 32 | $7,590,000 | $237,000 | $545,000 | $90,000 | $305,000 |
| Not applicable | 29 | $6,015,000 | $207,000 | $1,355,000 | $0 | $0 |
| Black or African American | 18 | $4,260,000 | $236,000 | $545,000 | $91,000 | $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) | 1,018 | $228,060,000 | $224,000 | $1,355,000 | $125,000 | $1,415,000 |
| FHA-insured (Federal Housing Administration) | 107 | $21,105,000 | $197,000 | $365,000 | $75,000 | $246,000 |
| VA-guaranteed (Veterans Administration) | 85 | $23,775,000 | $279,000 | $545,000 | $95,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,850,000 | $148,000 | $275,000 | $50,000 | $102,000 |
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 | 957 | $216,745,000 | $226,000 | $1,355,000 | $119,000 | $1,415,000 |
| Application Approved But Not Accepted | 177 | $39,075,000 | $220,000 | $545,000 | $111,000 | $772,000 |
| Application Denied By Financial Institution | 87 | $17,425,000 | $200,000 | $545,000 | $91,000 | $413,000 |
| Application Withdrawn By Applicant | 14 | $3,410,000 | $243,000 | $1,145,000 | $219,000 | $713,000 |
| Loan Purchased By The Institution | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| 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 | 1,149 | $259,365,000 | $225,000 | $1,355,000 | $119,000 | $1,415,000 |
| Debt-To-Income Ratio | 50 | $10,130,000 | $202,000 | $545,000 | $79,000 | $399,000 |
| Credit History | 23 | $3,995,000 | $173,000 | $365,000 | $91,000 | $240,000 |
| Other | 7 | $1,775,000 | $253,000 | $545,000 | $143,000 | $386,000 |
| Collateral | 5 | $1,085,000 | $217,000 | $455,000 | $156,000 | $413,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $49,000 | $49,000 |
| Employment History | 1 | $245,000 | $245,000 | $245,000 | $66,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2021 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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