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Disclosure Act (HMDA) records F&M Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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.
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