F&M Bank Mortgage Lending & HMDA Data, 2017
In 2017, F&M Bank of Edmond, OK reported 956 mortgage applications totaling $168.3 million, up 24% from 2016. The average application was for $176,041, and applicants reported an average income of $90,873. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Oklahoma City, OK (568), Tulsa, OK (58) and Killeen-Temple, TX (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 | 956 |
| Total Mortgage Loan Application Amount | $168,296,000 |
| Average Mortgage Loan Application Amount | $176,041 |
| Highest Mortgage Loan Application Amount | $1,340,000 |
| Average Applicant Income | $90,873 |
| Highest Applicant Income | $782,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 568 | $ 101,461,000 | $ 178,628 | $ 88,000 |
| Tulsa, OK | 58 | $ 9,699,000 | $ 167,224 | $ 96,000 |
| Killeen-Temple, TX | 8 | $ 1,281,000 | $ 160,125 | $ 123,000 |
| Fort Collins, CO | 5 | $ 2,062,000 | $ 412,400 | $ 143,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,237,000 | $ 247,400 | $ 113,000 |
| Austin-Round Rock, TX | 4 | $ 1,222,000 | $ 305,500 | $ 178,000 |
| Lawton, OK | 4 | $ 1,255,000 | $ 313,750 | $ 132,000 |
| Dallas-Plano-Irving, TX | 3 | $ 776,000 | $ 258,666 | $ 104,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 896,000 | $ 448,000 | $ 441,000 |
| Des Moines-West Des Moines, IA | 2 | $ 258,000 | $ 129,000 | $ 32,000 |
| Greeley, CO | 2 | $ 682,000 | $ 341,000 | $ 125,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 315,000 | $ 157,500 | $ 66,000 |
| Albuquerque, NM | 1 | $ 238,000 | $ 238,000 | $ 36,000 |
| Alexandria, LA | 1 | $ 279,000 | $ 279,000 | $ 99,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,104,000 | $ 1,104,000 | $ 330,000 |
| College Station-Bryan, TX | 1 | $ 242,000 | $ 242,000 | $ 71,000 |
| Enid, OK | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Fort Smith, AR-OK | 1 | $ 141,000 | $ 141,000 | $ 87,000 |
| Midland, TX | 1 | $ 181,000 | $ 181,000 | $ 90,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 56,000 | $ 56,000 | $ 200,000 |
| San Diego-Carlsbad, CA | 1 | $ 670,000 | $ 670,000 | $ 161,000 |
| Topeka, KS | 1 | $ 127,000 | $ 127,000 | $ 108,000 |
| Waco, TX | 1 | $ 285,000 | $ 285,000 | $ 76,000 |
| Wichita, KS | 1 | $ 392,000 | $ 392,000 | $ 318,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2017
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 | 579 | $96,139,000 | $166,000 | $860,000 | $87,000 | $782,000 |
| Refinancing | 340 | $68,508,000 | $201,000 | $1,340,000 | $98,000 | $608,000 |
| Home Improvement | 37 | $3,649,000 | $98,000 | $604,000 | $86,000 | $685,000 |
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 | 668 | $118,939,000 | $178,000 | $1,104,000 | $98,000 | $782,000 |
| American Indian or Alaskan Native | 78 | $11,056,000 | $141,000 | $800,000 | $68,000 | $226,000 |
| Not Provided | 71 | $13,213,000 | $186,000 | $1,148,000 | $103,000 | $610,000 |
| Not applicable | 49 | $8,844,000 | $180,000 | $1,340,000 | $0 | $0 |
| Hispanic | 45 | $7,278,000 | $161,000 | $506,000 | $81,000 | $393,000 |
| Asian | 29 | $5,692,000 | $196,000 | $424,000 | $118,000 | $285,000 |
| Black or African American | 14 | $2,952,000 | $210,000 | $860,000 | $117,000 | $667,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $322,000 | $161,000 | $222,000 | $78,000 | $111,000 |
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) | 695 | $127,500,000 | $183,000 | $1,340,000 | $100,000 | $782,000 |
| FHA-insured (Federal Housing Administration) | 168 | $22,937,000 | $136,000 | $275,000 | $61,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 64 | $14,608,000 | $228,000 | $570,000 | $84,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,251,000 | $112,000 | $195,000 | $47,000 | $103,000 |
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 | 680 | $120,190,000 | $176,000 | $1,340,000 | $91,000 | $782,000 |
| Application Withdrawn By Applicant | 165 | $32,110,000 | $194,000 | $1,148,000 | $99,000 | $608,000 |
| Application Denied By Financial Institution | 108 | $15,364,000 | $142,000 | $655,000 | $76,000 | $296,000 |
| Application Approved But Not Accepted | 3 | $632,000 | $210,000 | $400,000 | $160,000 | $370,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2017 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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