F&M Bank Mortgage Lending & HMDA Data, 2015
In 2015, F&M Bank of Edmond, OK reported 403 mortgage applications totaling $73.3 million, up 99% from 2014. The average application was for $181,866, and applicants reported an average income of $88,754. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Oklahoma City, OK (211), Fort Worth-Arlington, TX (8) and Tulsa, OK (8) (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 | 403 |
| Total Mortgage Loan Application Amount | $73,292,000 |
| Average Mortgage Loan Application Amount | $181,866 |
| Highest Mortgage Loan Application Amount | $5,728,000 |
| Average Applicant Income | $88,754 |
| Highest Applicant Income | $813,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma City, OK | 211 | $ 42,127,000 | $ 199,654 | $ 92,000 |
| Fort Worth-Arlington, TX | 8 | $ 1,603,000 | $ 200,375 | $ 109,000 |
| Tulsa, OK | 8 | $ 1,647,000 | $ 205,875 | $ 88,000 |
| Fort Smith, AR-OK | 3 | $ 249,000 | $ 83,000 | $ 91,000 |
| Austin-Round Rock, TX | 1 | $ 260,000 | $ 260,000 | $ 146,000 |
| Dallas-Plano-Irving, TX | 1 | $ 414,000 | $ 414,000 | $ 95,000 |
| Fayetteville, NC | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Wichita, KS | 1 | $ 144,000 | $ 144,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2015
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 | 245 | $42,301,000 | $172,000 | $1,000,000 | $91,000 | $813,000 |
| Refinancing | 127 | $28,972,000 | $228,000 | $5,728,000 | $89,000 | $480,000 |
| Home Improvement | 31 | $2,019,000 | $65,000 | $667,000 | $70,000 | $299,000 |
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 | 336 | $50,871,000 | $151,000 | $716,000 | $96,000 | $813,000 |
| Not applicable | 25 | $16,304,000 | $652,000 | $5,728,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $1,654,000 | $127,000 | $235,000 | $89,000 | $203,000 |
| Hispanic | 11 | $1,577,000 | $143,000 | $341,000 | $77,000 | $173,000 |
| Black or African American | 8 | $1,018,000 | $127,000 | $225,000 | $99,000 | $308,000 |
| Not Provided | 5 | $758,000 | $151,000 | $254,000 | $66,000 | $97,000 |
| Asian | 5 | $1,110,000 | $222,000 | $417,000 | $84,000 | $196,000 |
| 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) | 337 | $64,315,000 | $190,000 | $5,728,000 | $94,000 | $813,000 |
| FHA-insured (Federal Housing Administration) | 40 | $5,179,000 | $129,000 | $276,000 | $60,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,382,000 | $98,000 | $169,000 | $48,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,416,000 | $201,000 | $375,000 | $91,000 | $243,000 |
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 | 316 | $60,071,000 | $190,000 | $5,728,000 | $91,000 | $813,000 |
| Application Denied By Financial Institution | 56 | $8,091,000 | $144,000 | $417,000 | $70,000 | $217,000 |
| Application Approved But Not Accepted | 15 | $2,081,000 | $138,000 | $230,000 | $99,000 | $356,000 |
| Application Withdrawn By Applicant | 14 | $2,293,000 | $163,000 | $378,000 | $120,000 | $357,000 |
| Loan Purchased By The Institution | 2 | $756,000 | $378,000 | $406,000 | $73,000 | $146,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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 2015 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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