F&M Bank Mortgage Lending & HMDA Data, 2020
In 2020, F&M Bank of Edmond, OK reported 1,401 mortgage applications totaling $302.3 million, up 67% from 2019. The average application was for $215,785, and applicants reported an average income of $117,547. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Oklahoma City, OK (883), Tulsa, OK (48) and Enid, OK (11) (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 | 1,401 |
| Total Mortgage Loan Application Amount | $302,315,000 |
| Average Mortgage Loan Application Amount | $215,785 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $117,547 |
| Highest Applicant Income | $2,272,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 883 | $ 203,265,000 | $ 230,198 | $ 120,000 |
| Outside any metro area | 386 | $ 71,400,000 | $ 184,974 | $ 109,287 |
| Tulsa, OK | 48 | $ 9,120,000 | $ 190,000 | $ 153,000 |
| Enid, OK | 11 | $ 1,895,000 | $ 172,272 | $ 80,000 |
| Austin-Round Rock, TX | 9 | $ 2,395,000 | $ 266,111 | $ 106,000 |
| Dallas-Plano-Irving, TX | 8 | $ 2,490,000 | $ 311,250 | $ 204,000 |
| San Angelo, TX | 6 | $ 830,000 | $ 138,333 | $ 56,000 |
| Abilene, TX | 4 | $ 870,000 | $ 217,500 | $ 84,000 |
| Fort Worth-Arlington, TX | 4 | $ 750,000 | $ 187,500 | $ 69,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 890,000 | $ 222,500 | $ 95,000 |
| Lawton, OK | 4 | $ 830,000 | $ 207,500 | $ 196,000 |
| Corpus Christi, TX | 3 | $ 615,000 | $ 205,000 | $ 94,000 |
| Colorado Springs, CO | 2 | $ 610,000 | $ 305,000 | $ 104,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 630,000 | $ 315,000 | $ 146,000 |
| Dubuque, IA | 2 | $ 470,000 | $ 235,000 | $ 102,000 |
| Fort Smith, AR-OK | 2 | $ 400,000 | $ 200,000 | $ 132,000 |
| Longview, TX | 2 | $ 370,000 | $ 185,000 | $ 49,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 230,000 | $ 115,000 | $ 56,000 |
| Tyler, TX | 2 | $ 640,000 | $ 320,000 | $ 188,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 580,000 | $ 290,000 | $ 175,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 265,000 | $ 265,000 | $ 35,000 |
| Auburn-Opelika, AL | 1 | $ 225,000 | $ 225,000 | $ 172,000 |
| Columbia, SC | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Hot Springs, AR | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 45,000 | $ 45,000 | $ 301,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 145,000 | $ 145,000 | $ 142,000 |
| Salem, OR | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Sherman-Denison, TX | 1 | $ 335,000 | $ 335,000 | $ 117,000 |
| Waco, TX | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Yuba City, CA | 1 | $ 405,000 | $ 405,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2020
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 | 619 | $126,565,000 | $204,000 | $585,000 | $96,000 | $829,000 |
| Refinancing | 563 | $130,175,000 | $231,000 | $1,175,000 | $130,000 | $1,296,000 |
| Cash-out Refinancing | 202 | $44,170,000 | $218,000 | $665,000 | $143,000 | $2,272,000 |
| Home Improvement | 11 | $675,000 | $61,000 | $95,000 | $110,000 | $202,000 |
| Other Purpose | 6 | $730,000 | $121,000 | $615,000 | $329,000 | $1,296,000 |
| 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 | 1,068 | $235,230,000 | $220,000 | $1,175,000 | $120,000 | $1,296,000 |
| American Indian or Alaskan Native | 100 | $18,650,000 | $186,000 | $515,000 | $91,000 | $384,000 |
| Not Provided | 79 | $17,955,000 | $227,000 | $965,000 | $145,000 | $2,272,000 |
| Hispanic | 59 | $12,315,000 | $208,000 | $515,000 | $88,000 | $231,000 |
| Asian | 33 | $6,515,000 | $197,000 | $455,000 | $112,000 | $298,000 |
| Black or African American | 26 | $4,970,000 | $191,000 | $515,000 | $100,000 | $301,000 |
| Not applicable | 24 | $2,850,000 | $118,000 | $795,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $625,000 | $208,000 | $315,000 | $94,000 | $163,000 |
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) | 1,113 | $244,455,000 | $219,000 | $1,175,000 | $127,000 | $2,272,000 |
| FHA-insured (Federal Housing Administration) | 144 | $24,860,000 | $172,000 | $365,000 | $68,000 | $159,000 |
| VA-guaranteed (Veterans Administration) | 107 | $27,575,000 | $257,000 | $665,000 | $108,000 | $650,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,425,000 | $146,000 | $265,000 | $53,000 | $90,000 |
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 | 1,074 | $235,450,000 | $219,000 | $1,175,000 | $118,000 | $1,296,000 |
| Application Approved But Not Accepted | 195 | $41,955,000 | $215,000 | $965,000 | $116,000 | $807,000 |
| Application Denied By Financial Institution | 113 | $19,805,000 | $175,000 | $515,000 | $107,000 | $2,272,000 |
| Application Withdrawn By Applicant | 19 | $5,105,000 | $268,000 | $515,000 | $177,000 | $396,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,288 | $282,510,000 | $219,000 | $1,175,000 | $119,000 | $1,296,000 |
| Debt-To-Income Ratio | 42 | $7,210,000 | $171,000 | $425,000 | $74,000 | $225,000 |
| Credit History | 36 | $6,090,000 | $169,000 | $515,000 | $94,000 | $192,000 |
| Other | 12 | $1,440,000 | $120,000 | $275,000 | $266,000 | $2,272,000 |
| Collateral | 12 | $2,790,000 | $232,000 | $515,000 | $125,000 | $475,000 |
| Unverifiable Information | 5 | $975,000 | $195,000 | $225,000 | $61,000 | $96,000 |
| Employment History | 5 | $895,000 | $179,000 | $295,000 | $72,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $405,000 | $405,000 | $405,000 | $192,000 | $192,000 |
| Mortgage Insurance Denied | 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 2020 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About