F&M Bank Mortgage Lending & HMDA Data, 2024
In 2024, F&M Bank of Edmond, OK reported 462 mortgage applications totaling $111.7 million, up 2% from 2023. The average application was for $241,774, and applicants reported an average income of $151,601. 79% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Oklahoma City, OK (345), San Angelo, TX (4) and Tulsa, OK (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 | 462 |
| Total Mortgage Loan Application Amount | $111,700,000 |
| Average Mortgage Loan Application Amount | $241,774 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $151,601 |
| Highest Applicant Income | $2,978,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 175 | $ 40,075,000 | $ 229,000 | $ 155,000 |
| Canadian, Oklahoma | 86 | $ 24,190,000 | $ 281,279 | $ 127,000 |
| Logan, Oklahoma | 31 | $ 7,605,000 | $ 245,322 | $ 122,000 |
| Cleveland, Oklahoma | 29 | $ 6,505,000 | $ 224,310 | $ 174,000 |
| Grady, Oklahoma | 15 | $ 3,465,000 | $ 231,000 | $ 110,000 |
| Kay, Oklahoma | 14 | $ 2,330,000 | $ 166,428 | $ 94,000 |
| Kingfisher, Oklahoma | 12 | $ 3,050,000 | $ 254,166 | $ 242,000 |
| Jackson, Oklahoma | 7 | $ 1,015,000 | $ 145,000 | $ 75,000 |
| Texas, Oklahoma | 7 | $ 1,635,000 | $ 233,571 | $ 127,000 |
| Carter, Oklahoma | 6 | $ 1,200,000 | $ 200,000 | $ 105,000 |
| McClain, Oklahoma | 6 | $ 2,280,000 | $ 380,000 | $ 202,000 |
| Pottawatomie, Oklahoma | 6 | $ 1,360,000 | $ 226,666 | $ 169,000 |
| Hughes, Oklahoma | 5 | $ 695,000 | $ 139,000 | $ 79,000 |
| Seminole, Oklahoma | 5 | $ 1,275,000 | $ 255,000 | $ 97,000 |
| Noble, Oklahoma | 4 | $ 810,000 | $ 202,500 | $ 137,000 |
| Tom Green, Texas | 4 | $ 1,020,000 | $ 255,000 | $ 114,000 |
| Caddo, Oklahoma | 3 | $ 345,000 | $ 115,000 | $ 96,000 |
| Lincoln, Oklahoma | 3 | $ 815,000 | $ 271,666 | $ 155,000 |
| McIntosh, Oklahoma | 3 | $ 655,000 | $ 218,333 | $ 244,000 |
| Delaware, Oklahoma | 2 | $ 650,000 | $ 325,000 | $ 151,000 |
| Dewey, Oklahoma | 2 | $ 220,000 | $ 110,000 | $ 146,000 |
| Garfield, Oklahoma | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Garvin, Oklahoma | 2 | $ 1,010,000 | $ 505,000 | $ 184,000 |
| Pontotoc, Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 60,000 |
| Woods, Oklahoma | 2 | $ 300,000 | $ 150,000 | $ 123,000 |
| Comanche, Texas | 2 | $ 670,000 | $ 335,000 | $ 145,000 |
| Fannin, Texas | 2 | $ 240,000 | $ 120,000 | $ 44,000 |
| Parker, Texas | 2 | $ 1,160,000 | $ 580,000 | $ 1,729,000 |
| Collier, Florida | 1 | $ 705,000 | $ 705,000 | $ 163,000 |
| Duval, Florida | 1 | $ 435,000 | $ 435,000 | $ 115,000 |
| Polk, Florida | 1 | $ 655,000 | $ 655,000 | $ 217,000 |
| Johnson, Kansas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Oakland, Michigan | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Butler, Ohio | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Bryan, Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 199,000 |
| Cotton, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 147,000 |
| Creek, Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 229,000 |
| Custer, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Grant, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Greer, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Osage, Oklahoma | 1 | $ 465,000 | $ 465,000 | $ 180,000 |
| Payne, Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 480,000 |
| Tillman, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 103,000 |
| Tulsa, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 245,000 |
| Woodward, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Dallas, Texas | 1 | $ 155,000 | $ 155,000 | $ 234,000 |
| Eastland, Texas | 1 | $ 265,000 | $ 265,000 | $ 124,000 |
| Erath, Texas | 1 | $ 255,000 | $ 255,000 | $ 433,000 |
| Montague, Texas | 1 | $ 305,000 | $ 305,000 | $ 164,000 |
| Sherman, Texas | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Campbell, Wyoming | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2024
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 | 330 | $81,020,000 | $245,000 | $765,000 | $154,000 | $2,978,000 |
| Refinancing | 76 | $21,320,000 | $280,000 | $765,000 | $154,000 | $460,000 |
| Cash-out Refinancing | 34 | $6,220,000 | $182,000 | $605,000 | $116,000 | $519,000 |
| Home Improvement | 13 | $1,865,000 | $143,000 | $355,000 | $191,000 | $834,000 |
| Other Purpose | 9 | $1,275,000 | $141,000 | $325,000 | $121,000 | $240,000 |
| 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 | 312 | $77,300,000 | $247,000 | $765,000 | $161,000 | $2,978,000 |
| Not applicable | 40 | $7,030,000 | $175,000 | $665,000 | $0 | $0 |
| Hispanic | 28 | $6,080,000 | $217,000 | $505,000 | $124,000 | $490,000 |
| American Indian or Alaskan Native | 26 | $6,840,000 | $263,000 | $445,000 | $116,000 | $270,000 |
| Not Provided | 21 | $6,495,000 | $309,000 | $705,000 | $114,000 | $187,000 |
| Black or African American | 21 | $4,735,000 | $225,000 | $675,000 | $138,000 | $275,000 |
| Asian | 14 | $3,220,000 | $230,000 | $555,000 | $126,000 | $376,000 |
| 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) | 346 | $83,430,000 | $241,000 | $765,000 | $172,000 | $2,978,000 |
| FHA-insured (Federal Housing Administration) | 72 | $16,100,000 | $223,000 | $505,000 | $90,000 | $218,000 |
| VA-guaranteed (Veterans Administration) | 33 | $10,455,000 | $316,000 | $765,000 | $116,000 | $287,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,715,000 | $155,000 | $235,000 | $63,000 | $107,000 |
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 | 366 | $89,770,000 | $245,000 | $765,000 | $145,000 | $1,805,000 |
| Application Withdrawn By Applicant | 60 | $13,470,000 | $224,000 | $565,000 | $140,000 | $530,000 |
| Application Denied By Financial Institution | 17 | $3,475,000 | $204,000 | $685,000 | $250,000 | $2,978,000 |
| Application Approved But Not Accepted | 11 | $2,795,000 | $254,000 | $705,000 | $265,000 | $1,721,000 |
| File Closed For Incompleteness | 7 | $2,085,000 | $297,000 | $705,000 | $119,000 | $231,000 |
| Loan Purchased By The Institution | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 445 | $108,225,000 | $243,000 | $765,000 | $147,000 | $1,805,000 |
| Credit History | 9 | $1,805,000 | $200,000 | $525,000 | $96,000 | $277,000 |
| Debt-To-Income Ratio | 5 | $685,000 | $137,000 | $195,000 | $49,000 | $64,000 |
| Other | 1 | $145,000 | $145,000 | $145,000 | $63,000 | $63,000 |
| Unverifiable Information | 1 | $685,000 | $685,000 | $685,000 | $2,978,000 | $2,978,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $109,000 | $109,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2024 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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