F&M Bank Mortgage Lending & HMDA Data, 2019
In 2019, F&M Bank of Edmond, OK reported 839 mortgage applications totaling $156.8 million, up 3% from 2018. The average application was for $186,942, and applicants reported an average income of $107,562. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Oklahoma City, OK (493), Tulsa, OK (38) and San Angelo, TX (12) (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 | 839 |
| Total Mortgage Loan Application Amount | $156,845,000 |
| Average Mortgage Loan Application Amount | $186,942 |
| Highest Mortgage Loan Application Amount | $4,625,000 |
| Average Applicant Income | $107,562 |
| Highest Applicant Income | $1,304,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 493 | $ 100,165,000 | $ 203,174 | $ 114,000 |
| Outside any metro area | 263 | $ 41,255,000 | $ 156,863 | $ 95,258 |
| Tulsa, OK | 38 | $ 6,790,000 | $ 178,684 | $ 121,000 |
| San Angelo, TX | 12 | $ 1,760,000 | $ 146,666 | $ 107,000 |
| Enid, OK | 9 | $ 1,395,000 | $ 155,000 | $ 69,000 |
| Dallas-Plano-Irving, TX | 3 | $ 915,000 | $ 305,000 | $ 155,000 |
| Fort Worth-Arlington, TX | 3 | $ 425,000 | $ 141,666 | $ 43,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 415,000 | $ 138,333 | $ 42,000 |
| Abilene, TX | 2 | $ 430,000 | $ 215,000 | $ 58,000 |
| Austin-Round Rock, TX | 2 | $ 620,000 | $ 310,000 | $ 155,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Brownsville-Harlingen, TX | 1 | $ 225,000 | $ 225,000 | $ 254,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Fort Smith, AR-OK | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Greeley, CO | 1 | $ 315,000 | $ 315,000 | $ 284,000 |
| Kansas City, MO-KS | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Odessa, TX | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| San Antonio-New Braunfels, TX | 1 | $ 175,000 | $ 175,000 | $ 124,000 |
| St. Louis, MO-IL | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Walla Walla, WA | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Yuba City, CA | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2019
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 | 523 | $91,515,000 | $174,000 | $595,000 | $99,000 | $658,000 |
| Refinancing | 179 | $41,975,000 | $234,000 | $4,625,000 | $133,000 | $1,304,000 |
| Cash-out Refinancing | 106 | $20,770,000 | $195,000 | $615,000 | $106,000 | $342,000 |
| Home Improvement | 24 | $2,160,000 | $90,000 | $305,000 | $108,000 | $619,000 |
| Other Purpose | 7 | $425,000 | $60,000 | $155,000 | $119,000 | $271,000 |
| 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 | 610 | $113,890,000 | $186,000 | $875,000 | $107,000 | $1,304,000 |
| American Indian or Alaskan Native | 59 | $12,485,000 | $211,000 | $485,000 | $111,000 | $380,000 |
| Not Provided | 51 | $7,915,000 | $155,000 | $395,000 | $129,000 | $658,000 |
| Hispanic | 44 | $6,400,000 | $145,000 | $405,000 | $82,000 | $314,000 |
| Not applicable | 42 | $9,880,000 | $235,000 | $4,625,000 | $0 | $0 |
| Black or African American | 21 | $3,965,000 | $188,000 | $565,000 | $95,000 | $287,000 |
| Asian | 5 | $1,155,000 | $231,000 | $485,000 | $235,000 | $658,000 |
| 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) | 611 | $118,895,000 | $194,000 | $4,625,000 | $122,000 | $1,304,000 |
| FHA-insured (Federal Housing Administration) | 139 | $20,245,000 | $145,000 | $285,000 | $66,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 64 | $14,830,000 | $231,000 | $595,000 | $91,000 | $229,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,875,000 | $115,000 | $225,000 | $50,000 | $85,000 |
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 | 646 | $123,760,000 | $191,000 | $4,625,000 | $110,000 | $1,304,000 |
| Application Approved But Not Accepted | 137 | $24,525,000 | $179,000 | $875,000 | $104,000 | $480,000 |
| Application Denied By Financial Institution | 53 | $7,855,000 | $148,000 | $615,000 | $88,000 | $287,000 |
| Application Withdrawn By Applicant | 2 | $400,000 | $200,000 | $205,000 | $78,000 | $99,000 |
| Loan Purchased By The Institution | 1 | $305,000 | $305,000 | $305,000 | $96,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 786 | $148,990,000 | $189,000 | $4,625,000 | $109,000 | $1,304,000 |
| Debt-To-Income Ratio | 23 | $4,375,000 | $190,000 | $615,000 | $73,000 | $136,000 |
| Credit History | 17 | $1,475,000 | $86,000 | $205,000 | $74,000 | $240,000 |
| Collateral | 8 | $1,320,000 | $165,000 | $275,000 | $133,000 | $254,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $155,000 | $114,000 | $120,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $287,000 | $287,000 |
| Mortgage Insurance Denied | 1 | $185,000 | $185,000 | $185,000 | $144,000 | $144,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $20,000 | $20,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2019 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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