F&M Bank Mortgage Lending & HMDA Data, 2021
In 2021, F&M Bank of Edmond, OK reported 1,236 mortgage applications totaling $276.8 million, down 12% from 2020. The average application was for $223,940, and applicants reported an average income of $117,075. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Oklahoma City, OK (835), Tulsa, OK (18) and Dallas-Plano-Irving, TX (9) (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 | 1,236 |
| Total Mortgage Loan Application Amount | $276,790,000 |
| Average Mortgage Loan Application Amount | $223,940 |
| Highest Mortgage Loan Application Amount | $1,355,000 |
| Average Applicant Income | $117,075 |
| Highest Applicant Income | $1,415,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 835 | $ 193,285,000 | $ 231,479 | $ 118,000 |
| Outside any metro area | 310 | $ 60,410,000 | $ 194,870 | $ 111,970 |
| Tulsa, OK | 18 | $ 3,640,000 | $ 202,222 | $ 113,000 |
| Dallas-Plano-Irving, TX | 9 | $ 2,225,000 | $ 247,222 | $ 149,000 |
| Fort Worth-Arlington, TX | 9 | $ 2,935,000 | $ 326,111 | $ 165,000 |
| San Angelo, TX | 8 | $ 1,570,000 | $ 196,250 | $ 130,000 |
| Enid, OK | 7 | $ 1,605,000 | $ 229,285 | $ 105,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 835,000 | $ 278,333 | $ 65,000 |
| Lawton, OK | 3 | $ 585,000 | $ 195,000 | $ 177,000 |
| Abilene, TX | 2 | $ 360,000 | $ 180,000 | $ 69,000 |
| Austin-Round Rock, TX | 2 | $ 620,000 | $ 310,000 | $ 189,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 730,000 | $ 365,000 | $ 178,000 |
| Joplin, MO | 2 | $ 680,000 | $ 340,000 | $ 175,000 |
| Kansas City, MO-KS | 2 | $ 250,000 | $ 125,000 | $ 52,000 |
| Las Cruces, NM | 2 | $ 340,000 | $ 170,000 | $ 88,000 |
| Midland, TX | 2 | $ 510,000 | $ 255,000 | $ 110,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 390,000 | $ 195,000 | $ 77,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 820,000 | $ 410,000 | $ 252,000 |
| Wichita Falls, TX | 2 | $ 240,000 | $ 120,000 | $ 72,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 265,000 | $ 265,000 | $ 36,000 |
| Bowling Green, KY | 1 | $ 395,000 | $ 395,000 | $ 127,000 |
| Corpus Christi, TX | 1 | $ 545,000 | $ 545,000 | $ 91,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 485,000 | $ 485,000 | $ 213,000 |
| El Paso, TX | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Fort Collins, CO | 1 | $ 485,000 | $ 485,000 | $ 137,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Hot Springs, AR | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Jacksonville, FL | 1 | $ 395,000 | $ 395,000 | $ 217,000 |
| Longview, TX | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| San Antonio-New Braunfels, TX | 1 | $ 415,000 | $ 415,000 | $ 174,000 |
| Savannah, GA | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Tyler, TX | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Warner Robins, GA | 1 | $ 305,000 | $ 305,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2021
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 | 620 | $140,000,000 | $225,000 | $1,165,000 | $103,000 | $522,000 |
| Refinancing | 376 | $86,380,000 | $229,000 | $1,355,000 | $135,000 | $1,415,000 |
| Cash-out Refinancing | 222 | $48,390,000 | $217,000 | $545,000 | $124,000 | $772,000 |
| Home Improvement | 13 | $695,000 | $53,000 | $85,000 | $129,000 | $337,000 |
| Other Purpose | 5 | $1,325,000 | $265,000 | $615,000 | $176,000 | $245,000 |
| 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 | 911 | $204,025,000 | $223,000 | $1,165,000 | $121,000 | $1,415,000 |
| Not Provided | 113 | $25,845,000 | $228,000 | $545,000 | $113,000 | $484,000 |
| American Indian or Alaskan Native | 78 | $17,370,000 | $222,000 | $545,000 | $113,000 | $752,000 |
| Hispanic | 51 | $11,015,000 | $215,000 | $1,145,000 | $84,000 | $552,000 |
| Asian | 32 | $7,590,000 | $237,000 | $545,000 | $90,000 | $305,000 |
| Not applicable | 29 | $6,015,000 | $207,000 | $1,355,000 | $0 | $0 |
| Black or African American | 18 | $4,260,000 | $236,000 | $545,000 | $91,000 | $299,000 |
| 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) | 1,018 | $228,060,000 | $224,000 | $1,355,000 | $125,000 | $1,415,000 |
| FHA-insured (Federal Housing Administration) | 107 | $21,105,000 | $197,000 | $365,000 | $75,000 | $246,000 |
| VA-guaranteed (Veterans Administration) | 85 | $23,775,000 | $279,000 | $545,000 | $95,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,850,000 | $148,000 | $275,000 | $50,000 | $102,000 |
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 | 957 | $216,745,000 | $226,000 | $1,355,000 | $119,000 | $1,415,000 |
| Application Approved But Not Accepted | 177 | $39,075,000 | $220,000 | $545,000 | $111,000 | $772,000 |
| Application Denied By Financial Institution | 87 | $17,425,000 | $200,000 | $545,000 | $91,000 | $413,000 |
| Application Withdrawn By Applicant | 14 | $3,410,000 | $243,000 | $1,145,000 | $219,000 | $713,000 |
| Loan Purchased By The Institution | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,149 | $259,365,000 | $225,000 | $1,355,000 | $119,000 | $1,415,000 |
| Debt-To-Income Ratio | 50 | $10,130,000 | $202,000 | $545,000 | $79,000 | $399,000 |
| Credit History | 23 | $3,995,000 | $173,000 | $365,000 | $91,000 | $240,000 |
| Other | 7 | $1,775,000 | $253,000 | $545,000 | $143,000 | $386,000 |
| Collateral | 5 | $1,085,000 | $217,000 | $455,000 | $156,000 | $413,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $49,000 | $49,000 |
| Employment History | 1 | $245,000 | $245,000 | $245,000 | $66,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2021 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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