F&M Bank Mortgage Lending & HMDA Data, 2022
In 2022, F&M Bank of Edmond, OK reported 681 mortgage applications totaling $167.9 million, down 45% from 2021. The average application was for $246,600, and applicants reported an average income of $119,867. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Oklahoma City, OK (452), Dallas-Plano-Irving, TX (5) and Tulsa, OK (5) (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 | 681 |
| Total Mortgage Loan Application Amount | $167,935,000 |
| Average Mortgage Loan Application Amount | $246,600 |
| Highest Mortgage Loan Application Amount | $2,305,000 |
| Average Applicant Income | $119,867 |
| Highest Applicant Income | $3,674,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 196 | $ 53,950,000 | $ 275,255 | $ 132,000 |
| Canadian, Oklahoma | 130 | $ 33,180,000 | $ 255,230 | $ 152,000 |
| Logan, Oklahoma | 50 | $ 9,980,000 | $ 199,600 | $ 95,000 |
| Cleveland, Oklahoma | 43 | $ 11,645,000 | $ 270,813 | $ 125,000 |
| Kay, Oklahoma | 27 | $ 4,385,000 | $ 162,407 | $ 80,000 |
| Kingfisher, Oklahoma | 24 | $ 5,190,000 | $ 216,250 | $ 100,000 |
| Grady, Oklahoma | 22 | $ 6,710,000 | $ 305,000 | $ 101,000 |
| Carter, Oklahoma | 19 | $ 3,575,000 | $ 188,157 | $ 101,000 |
| Texas, Oklahoma | 16 | $ 3,120,000 | $ 195,000 | $ 94,000 |
| Jackson, Oklahoma | 10 | $ 1,460,000 | $ 146,000 | $ 61,000 |
| Hughes, Oklahoma | 8 | $ 1,020,000 | $ 127,500 | $ 55,000 |
| McClain, Oklahoma | 8 | $ 2,160,000 | $ 270,000 | $ 103,000 |
| Seminole, Oklahoma | 8 | $ 1,360,000 | $ 170,000 | $ 65,000 |
| Fannin, Texas | 7 | $ 1,145,000 | $ 163,571 | $ 101,000 |
| Woodward, Oklahoma | 6 | $ 920,000 | $ 153,333 | $ 90,000 |
| Delaware, Oklahoma | 4 | $ 2,390,000 | $ 597,500 | $ 216,000 |
| Chaves, New Mexico | 3 | $ 655,000 | $ 218,333 | $ 81,000 |
| Garfield, Oklahoma | 3 | $ 815,000 | $ 271,666 | $ 70,000 |
| Lincoln, Oklahoma | 3 | $ 785,000 | $ 261,666 | $ 116,000 |
| Payne, Oklahoma | 3 | $ 605,000 | $ 201,666 | $ 124,000 |
| Pottawatomie, Oklahoma | 3 | $ 775,000 | $ 258,333 | $ 101,000 |
| Stephens, Oklahoma | 3 | $ 665,000 | $ 221,666 | $ 84,000 |
| Sherman, Texas | 3 | $ 455,000 | $ 151,666 | $ 115,000 |
| Harper, Kansas | 2 | $ 190,000 | $ 95,000 | $ 50,000 |
| Eddy, New Mexico | 2 | $ 460,000 | $ 230,000 | $ 189,000 |
| Beckham, Oklahoma | 2 | $ 660,000 | $ 330,000 | $ 160,000 |
| Garvin, Oklahoma | 2 | $ 500,000 | $ 250,000 | $ 163,000 |
| Greer, Oklahoma | 2 | $ 320,000 | $ 160,000 | $ 88,000 |
| Harmon, Oklahoma | 2 | $ 200,000 | $ 100,000 | $ 70,000 |
| Marshall, Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 106,000 |
| Muskogee, Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 57,000 |
| Noble, Oklahoma | 2 | $ 580,000 | $ 290,000 | $ 141,000 |
| Ottawa, Oklahoma | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Wagoner, Oklahoma | 2 | $ 460,000 | $ 230,000 | $ 106,000 |
| Collin, Texas | 2 | $ 450,000 | $ 225,000 | $ 78,000 |
| El Paso, Texas | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Erath, Texas | 2 | $ 700,000 | $ 350,000 | $ 127,000 |
| Harris, Texas | 2 | $ 2,630,000 | $ 1,315,000 | $ 0 |
| Hunt, Texas | 2 | $ 540,000 | $ 270,000 | $ 115,000 |
| Mills, Texas | 2 | $ 320,000 | $ 160,000 | $ 133,000 |
| Tom Green, Texas | 2 | $ 450,000 | $ 225,000 | $ 82,000 |
| Baldwin, Alabama | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Benton, Arkansas | 1 | $ 275,000 | $ 275,000 | $ 44,000 |
| Madison, Arkansas | 1 | $ 725,000 | $ 725,000 | $ 336,000 |
| Jefferson, Colorado | 1 | $ 465,000 | $ 465,000 | $ 100,000 |
| Bay, Florida | 1 | $ 295,000 | $ 295,000 | $ 222,000 |
| Jefferson, Kansas | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Kingman, Kansas | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Jackson, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Madison, Mississippi | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| St. Louis, Missouri | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Flathead, Montana | 1 | $ 265,000 | $ 265,000 | $ 357,000 |
| Lincoln, New Mexico | 1 | $ 545,000 | $ 545,000 | $ 283,000 |
| Otero, New Mexico | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Rowan, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Bryan, Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Cimarron, Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 161,000 |
| Comanche, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Creek, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Dewey, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 240,000 |
| Kiowa, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Major, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| McCurtain, Oklahoma | 1 | $ 565,000 | $ 565,000 | $ 239,000 |
| Murray, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 115,000 |
| Pittsburg, Oklahoma | 1 | $ 375,000 | $ 375,000 | $ 434,000 |
| Rogers, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| Sequoyah, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Tillman, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Tulsa, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Woods, Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Brown, Texas | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Concho, Texas | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Denton, Texas | 1 | $ 555,000 | $ 555,000 | $ 178,000 |
| Floyd, Texas | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Hansford, Texas | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Hays, Texas | 1 | $ 255,000 | $ 255,000 | $ 67,000 |
| Hutchinson, Texas | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Lamar, Texas | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| McLennan, Texas | 1 | $ 245,000 | $ 245,000 | $ 63,000 |
| Parker, Texas | 1 | $ 395,000 | $ 395,000 | $ 247,000 |
| Pecos, Texas | 1 | $ 85,000 | $ 85,000 | $ 114,000 |
| Smith, Texas | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Tarrant, Texas | 1 | $ 395,000 | $ 395,000 | $ 169,000 |
| Van Zandt, Texas | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Victoria, Texas | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Young, Texas | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Laramie, Wyoming | 1 | $ 415,000 | $ 415,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2022
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 | 456 | $111,790,000 | $245,000 | $1,215,000 | $111,000 | $1,687,000 |
| Refinancing | 144 | $39,460,000 | $274,000 | $2,305,000 | $151,000 | $3,674,000 |
| Cash-out Refinancing | 68 | $15,670,000 | $230,000 | $725,000 | $117,000 | $486,000 |
| Home Improvement | 11 | $825,000 | $75,000 | $175,000 | $88,000 | $176,000 |
| Other Purpose | 2 | $190,000 | $95,000 | $105,000 | $173,000 | $247,000 |
| 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 | 455 | $116,325,000 | $255,000 | $2,025,000 | $129,000 | $3,674,000 |
| Not Provided | 113 | $23,485,000 | $207,000 | $755,000 | $108,000 | $1,078,000 |
| American Indian or Alaskan Native | 35 | $9,515,000 | $271,000 | $655,000 | $93,000 | $210,000 |
| Not applicable | 29 | $8,465,000 | $291,000 | $2,305,000 | $0 | $0 |
| Hispanic | 26 | $4,680,000 | $180,000 | $445,000 | $79,000 | $215,000 |
| Asian | 11 | $2,655,000 | $241,000 | $425,000 | $90,000 | $175,000 |
| Black or African American | 7 | $1,115,000 | $159,000 | $275,000 | $63,000 | $80,000 |
| 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) | 530 | $133,370,000 | $251,000 | $2,305,000 | $131,000 | $3,674,000 |
| FHA-insured (Federal Housing Administration) | 85 | $17,355,000 | $204,000 | $385,000 | $76,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 51 | $15,065,000 | $295,000 | $645,000 | $101,000 | $245,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,145,000 | $143,000 | $225,000 | $49,000 | $78,000 |
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 | 536 | $137,150,000 | $255,000 | $2,305,000 | $125,000 | $3,674,000 |
| Application Withdrawn By Applicant | 77 | $18,805,000 | $244,000 | $1,125,000 | $120,000 | $350,000 |
| Application Denied By Financial Institution | 44 | $7,180,000 | $163,000 | $545,000 | $69,000 | $240,000 |
| Application Approved But Not Accepted | 14 | $2,440,000 | $174,000 | $515,000 | $91,000 | $226,000 |
| File Closed For Incompleteness | 10 | $2,360,000 | $236,000 | $625,000 | $102,000 | $174,000 |
| 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 | 637 | $160,755,000 | $252,000 | $2,305,000 | $123,000 | $3,674,000 |
| Credit History | 22 | $3,450,000 | $156,000 | $545,000 | $76,000 | $240,000 |
| Debt-To-Income Ratio | 13 | $2,505,000 | $192,000 | $385,000 | $45,000 | $100,000 |
| Other | 3 | $255,000 | $85,000 | $155,000 | $45,000 | $54,000 |
| Collateral | 2 | $290,000 | $145,000 | $235,000 | $134,000 | $164,000 |
| Employment History | 2 | $370,000 | $185,000 | $215,000 | $107,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $310,000 | $155,000 | $175,000 | $66,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2022 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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