F&M Bank Mortgage Lending & HMDA Data, 2023
In 2023, F&M Bank of Edmond, OK reported 452 mortgage applications totaling $109.1 million, down 34% from 2022. The average application was for $241,349, and applicants reported an average income of $136,442. 75% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Oklahoma City, OK (329), Tulsa, OK (4) and Fort Worth-Arlington, TX (3) (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 | 452 |
| Total Mortgage Loan Application Amount | $109,090,000 |
| Average Mortgage Loan Application Amount | $241,349 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $136,442 |
| Highest Applicant Income | $1,810,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 146 | $ 36,720,000 | $ 251,506 | $ 132,000 |
| Canadian, Oklahoma | 97 | $ 22,665,000 | $ 233,659 | $ 114,000 |
| Grady, Oklahoma | 26 | $ 6,200,000 | $ 238,461 | $ 103,000 |
| Logan, Oklahoma | 24 | $ 4,860,000 | $ 202,500 | $ 143,000 |
| Cleveland, Oklahoma | 23 | $ 6,355,000 | $ 276,304 | $ 212,000 |
| Kingfisher, Oklahoma | 16 | $ 3,230,000 | $ 201,875 | $ 116,000 |
| Carter, Oklahoma | 10 | $ 2,290,000 | $ 229,000 | $ 111,000 |
| Texas, Oklahoma | 9 | $ 1,295,000 | $ 143,888 | $ 62,000 |
| Payne, Oklahoma | 8 | $ 1,770,000 | $ 221,250 | $ 186,000 |
| McClain, Oklahoma | 7 | $ 2,715,000 | $ 387,857 | $ 123,000 |
| Jackson, Oklahoma | 6 | $ 800,000 | $ 133,333 | $ 75,000 |
| Lincoln, Oklahoma | 6 | $ 1,630,000 | $ 271,666 | $ 140,000 |
| Woodward, Oklahoma | 6 | $ 1,060,000 | $ 176,666 | $ 107,000 |
| Hughes, Oklahoma | 5 | $ 695,000 | $ 139,000 | $ 99,000 |
| Kay, Oklahoma | 4 | $ 520,000 | $ 130,000 | $ 87,000 |
| Caddo, Oklahoma | 3 | $ 505,000 | $ 168,333 | $ 78,000 |
| Love, Oklahoma | 3 | $ 745,000 | $ 248,333 | $ 86,000 |
| Pottawatomie, Oklahoma | 3 | $ 755,000 | $ 251,666 | $ 102,000 |
| Seminole, Oklahoma | 3 | $ 685,000 | $ 228,333 | $ 88,000 |
| San Bernardino, California | 2 | $ 1,450,000 | $ 725,000 | $ 1,073,000 |
| Delaware, Oklahoma | 2 | $ 450,000 | $ 225,000 | $ 170,000 |
| McIntosh, Oklahoma | 2 | $ 460,000 | $ 230,000 | $ 254,000 |
| Noble, Oklahoma | 2 | $ 380,000 | $ 190,000 | $ 86,000 |
| Ottawa, Oklahoma | 2 | $ 480,000 | $ 240,000 | $ 102,000 |
| Tulsa, Oklahoma | 2 | $ 610,000 | $ 305,000 | $ 149,000 |
| Wagoner, Oklahoma | 2 | $ 850,000 | $ 425,000 | $ 158,000 |
| Eastland, Texas | 2 | $ 410,000 | $ 205,000 | $ 38,000 |
| Fannin, Texas | 2 | $ 200,000 | $ 100,000 | $ 701,000 |
| Tarrant, Texas | 2 | $ 510,000 | $ 255,000 | $ 95,000 |
| Victoria, Texas | 2 | $ 450,000 | $ 225,000 | $ 211,000 |
| Pulaski, Arkansas | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Los Angeles, California | 1 | $ 805,000 | $ 805,000 | $ 1,007,000 |
| Volusia, Florida | 1 | $ 455,000 | $ 455,000 | $ 141,000 |
| Walton, Florida | 1 | $ 435,000 | $ 435,000 | $ 185,000 |
| Sedgwick, Kansas | 1 | $ 235,000 | $ 235,000 | $ 188,000 |
| Barry, Missouri | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Chaves, New Mexico | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Dona Ana, New Mexico | 1 | $ 645,000 | $ 645,000 | $ 196,000 |
| Eddy, New Mexico | 1 | $ 385,000 | $ 385,000 | $ 322,000 |
| Alfalfa, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Dewey, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Garfield, Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 925,000 |
| Pittsburg, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 139,000 |
| Stephens, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Tillman, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Woods, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 17,000 |
| Brown, Texas | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Denton, Texas | 1 | $ 405,000 | $ 405,000 | $ 146,000 |
| Erath, Texas | 1 | $ 105,000 | $ 105,000 | $ 125,000 |
| Harrison, Texas | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Kaufman, Texas | 1 | $ 295,000 | $ 295,000 | $ 135,000 |
| Potter, Texas | 1 | $ 345,000 | $ 345,000 | $ 156,000 |
| Randall, Texas | 1 | $ 395,000 | $ 395,000 | $ 134,000 |
| Williamson, Texas | 1 | $ 585,000 | $ 585,000 | $ 209,000 |
| Wise, Texas | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2023
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 | 331 | $81,375,000 | $245,000 | $1,425,000 | $128,000 | $1,810,000 |
| Refinancing | 65 | $17,415,000 | $267,000 | $1,245,000 | $137,000 | $621,000 |
| Cash-out Refinancing | 33 | $7,305,000 | $221,000 | $805,000 | $225,000 | $1,297,000 |
| Other Purpose | 15 | $2,465,000 | $164,000 | $455,000 | $130,000 | $333,000 |
| Home Improvement | 8 | $530,000 | $66,000 | $105,000 | $128,000 | $183,000 |
| 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 | 313 | $75,615,000 | $241,000 | $1,245,000 | $142,000 | $1,810,000 |
| Not Provided | 40 | $9,450,000 | $236,000 | $665,000 | $135,000 | $1,297,000 |
| American Indian or Alaskan Native | 31 | $7,995,000 | $257,000 | $625,000 | $125,000 | $408,000 |
| Not applicable | 30 | $5,970,000 | $199,000 | $1,425,000 | $0 | $0 |
| Hispanic | 19 | $5,205,000 | $273,000 | $645,000 | $104,000 | $196,000 |
| Black or African American | 8 | $1,730,000 | $216,000 | $325,000 | $82,000 | $121,000 |
| Asian | 5 | $1,435,000 | $287,000 | $355,000 | $88,000 | $145,000 |
| 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) | 327 | $79,685,000 | $243,000 | $1,425,000 | $155,000 | $1,810,000 |
| FHA-insured (Federal Housing Administration) | 76 | $16,750,000 | $220,000 | $485,000 | $95,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 35 | $10,635,000 | $303,000 | $555,000 | $108,000 | $322,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,020,000 | $144,000 | $235,000 | $48,000 | $83,000 |
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 | 341 | $85,455,000 | $250,000 | $1,245,000 | $144,000 | $1,810,000 |
| Application Withdrawn By Applicant | 59 | $13,645,000 | $231,000 | $655,000 | $106,000 | $381,000 |
| Application Denied By Financial Institution | 27 | $4,685,000 | $173,000 | $395,000 | $101,000 | $876,000 |
| Application Approved But Not Accepted | 16 | $3,650,000 | $228,000 | $1,425,000 | $94,000 | $253,000 |
| File Closed For Incompleteness | 9 | $1,655,000 | $183,000 | $385,000 | $251,000 | $1,297,000 |
| 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 | 425 | $104,405,000 | $245,000 | $1,425,000 | $139,000 | $1,810,000 |
| Debt-To-Income Ratio | 12 | $2,050,000 | $170,000 | $305,000 | $44,000 | $99,000 |
| Credit History | 7 | $1,045,000 | $149,000 | $395,000 | $206,000 | $876,000 |
| Collateral | 3 | $615,000 | $205,000 | $335,000 | $129,000 | $159,000 |
| Other | 3 | $575,000 | $191,000 | $265,000 | $70,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $400,000 | $200,000 | $265,000 | $73,000 | $94,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2023 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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