F&M Bank Mortgage Lending & HMDA Data, 2018
In 2018, F&M Bank of Edmond, OK reported 815 mortgage applications totaling $144.8 million, down 15% from 2017. The average application was for $177,625, and applicants reported an average income of $108,061. 73% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Oklahoma City, OK (452), Tulsa, OK (60) and Greeley, CO (25) (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 | 815 |
| Total Mortgage Loan Application Amount | $144,765,000 |
| Average Mortgage Loan Application Amount | $177,625 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $108,061 |
| Highest Applicant Income | $1,563,000 |
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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for F&M Bank in 2018
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 | 520 | $89,630,000 | $172,000 | $835,000 | $100,000 | $1,563,000 |
| Refinancing | 170 | $36,910,000 | $217,000 | $835,000 | $117,000 | $749,000 |
| Cash-out Refinancing | 97 | $15,535,000 | $160,000 | $665,000 | $123,000 | $1,196,000 |
| Home Improvement | 23 | $2,495,000 | $108,000 | $415,000 | $153,000 | $989,000 |
| Other Purpose | 5 | $195,000 | $39,000 | $75,000 | $146,000 | $261,000 |
| 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 | 558 | $101,080,000 | $181,000 | $835,000 | $108,000 | $1,563,000 |
| Not Provided | 92 | $17,480,000 | $190,000 | $715,000 | $127,000 | $668,000 |
| American Indian or Alaskan Native | 60 | $10,210,000 | $170,000 | $835,000 | $88,000 | $308,000 |
| Not applicable | 53 | $7,545,000 | $142,000 | $825,000 | $0 | $0 |
| Hispanic | 25 | $3,925,000 | $157,000 | $385,000 | $85,000 | $315,000 |
| Asian | 12 | $1,740,000 | $145,000 | $385,000 | $99,000 | $275,000 |
| Black or African American | 12 | $2,380,000 | $198,000 | $665,000 | $87,000 | $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) | 593 | $109,295,000 | $184,000 | $835,000 | $121,000 | $1,563,000 |
| FHA-insured (Federal Housing Administration) | 129 | $19,275,000 | $149,000 | $325,000 | $76,000 | $537,000 |
| VA-guaranteed (Veterans Administration) | 61 | $12,335,000 | $202,000 | $565,000 | $86,000 | $351,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,860,000 | $120,000 | $315,000 | $47,000 | $82,000 |
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 | 595 | $104,335,000 | $175,000 | $835,000 | $110,000 | $1,563,000 |
| Application Denied By Financial Institution | 110 | $19,910,000 | $181,000 | $665,000 | $101,000 | $749,000 |
| Application Withdrawn By Applicant | 90 | $17,650,000 | $196,000 | $715,000 | $111,000 | $537,000 |
| Application Approved But Not Accepted | 20 | $2,870,000 | $143,000 | $305,000 | $73,000 | $197,000 |
| 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 | 705 | $124,855,000 | $177,000 | $835,000 | $109,000 | $1,563,000 |
| Credit Application Incomplete | 33 | $5,045,000 | $152,000 | $425,000 | $117,000 | $668,000 |
| Debt-To-Income Ratio | 31 | $6,455,000 | $208,000 | $525,000 | $92,000 | $749,000 |
| Credit History | 24 | $3,860,000 | $160,000 | $605,000 | $111,000 | $458,000 |
| Other | 8 | $1,500,000 | $187,000 | $665,000 | $70,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,200,000 | $300,000 | $665,000 | $135,000 | $275,000 |
| Collateral | 4 | $560,000 | $140,000 | $245,000 | $58,000 | $70,000 |
| Unverifiable Information | 3 | $865,000 | $288,000 | $455,000 | $70,000 | $77,000 |
| Employment History | 3 | $425,000 | $141,000 | $265,000 | $58,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2018 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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