F&M Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, F&M Bank & Trust of Tulsa, OK reported 1,256 mortgage applications totaling $267.5 million, down 8% from 2012. The average application was for $213,015, and applicants reported an average income of $134,831. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Tulsa, OK (762), Oklahoma City, OK (203) and Dallas-Plano-Irving, TX (181) (applications in parentheses).
| Mortgage Company & Address | F&M Bank & Trust 1330 S. Harvard Tulsa, OK 74104 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,256 |
| Total Mortgage Loan Application Amount | $267,548,000 |
| Average Mortgage Loan Application Amount | $213,015 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $134,831 |
| Highest Applicant Income | $5,874,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa, Oklahoma | 611 | $ 134,244,000 | $ 219,711 | $ 164,000 |
| Dallas, Texas | 126 | $ 34,052,000 | $ 270,253 | $ 127,000 |
| Oklahoma, Oklahoma | 112 | $ 18,729,000 | $ 167,223 | $ 84,000 |
| Rogers, Oklahoma | 62 | $ 13,236,000 | $ 213,483 | $ 93,000 |
| Canadian, Oklahoma | 46 | $ 7,363,000 | $ 160,065 | $ 67,000 |
| Wagoner, Oklahoma | 34 | $ 5,794,000 | $ 170,411 | $ 75,000 |
| Collin, Texas | 28 | $ 6,180,000 | $ 220,714 | $ 131,000 |
| Tarrant, Texas | 28 | $ 11,679,000 | $ 417,107 | $ 195,000 |
| Cleveland, Oklahoma | 22 | $ 2,967,000 | $ 134,863 | $ 59,000 |
| Okmulgee, Oklahoma | 22 | $ 2,817,000 | $ 128,045 | $ 73,000 |
| Creek, Oklahoma | 18 | $ 3,231,000 | $ 179,500 | $ 117,000 |
| Osage, Oklahoma | 15 | $ 1,710,000 | $ 114,000 | $ 77,000 |
| Denton, Texas | 14 | $ 3,030,000 | $ 216,428 | $ 158,000 |
| Logan, Oklahoma | 9 | $ 1,450,000 | $ 161,111 | $ 66,000 |
| Pottawatomie, Oklahoma | 9 | $ 1,197,000 | $ 133,000 | $ 66,000 |
| Ellis, Texas | 9 | $ 2,021,000 | $ 224,555 | $ 109,000 |
| Delaware, Oklahoma | 8 | $ 1,465,000 | $ 183,125 | $ 141,000 |
| McClain, Oklahoma | 7 | $ 1,074,000 | $ 153,428 | $ 59,000 |
| Grady, Oklahoma | 6 | $ 883,000 | $ 147,166 | $ 74,000 |
| Mayes, Oklahoma | 6 | $ 1,425,000 | $ 237,500 | $ 70,000 |
| Harris, Texas | 5 | $ 1,251,000 | $ 250,200 | $ 130,000 |
| Pittsburg, Oklahoma | 4 | $ 816,000 | $ 204,000 | $ 231,000 |
| Travis, Texas | 4 | $ 773,000 | $ 193,250 | $ 110,000 |
| Kay, Oklahoma | 3 | $ 268,000 | $ 89,333 | $ 47,000 |
| Payne, Oklahoma | 3 | $ 354,000 | $ 118,000 | $ 88,000 |
| Seminole, Oklahoma | 3 | $ 397,000 | $ 132,333 | $ 52,000 |
| Kaufman, Texas | 3 | $ 489,000 | $ 163,000 | $ 106,000 |
| Montgomery, Texas | 3 | $ 869,000 | $ 289,666 | $ 279,000 |
| Cherokee, Oklahoma | 2 | $ 225,000 | $ 112,500 | $ 94,000 |
| Okfuskee, Oklahoma | 2 | $ 143,000 | $ 71,500 | $ 43,000 |
| Woodward, Oklahoma | 2 | $ 253,000 | $ 126,500 | $ 35,000 |
| Bexar, Texas | 2 | $ 284,000 | $ 142,000 | $ 102,000 |
| Crawford, Arkansas | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| Eagle, Colorado | 1 | $ 590,000 | $ 590,000 | $ 388,000 |
| Sedgwick, Kansas | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Fayette, Kentucky | 1 | $ 214,000 | $ 214,000 | $ 110,000 |
| Caddo, Louisiana | 1 | $ 403,000 | $ 403,000 | $ 120,000 |
| Middlesex, Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 855,000 |
| Clark, Nevada | 1 | $ 200,000 | $ 200,000 | $ 159,000 |
| Jackson, North Carolina | 1 | $ 407,000 | $ 407,000 | $ 248,000 |
| Beckham, Oklahoma | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
| Comanche, Oklahoma | 1 | $ 178,000 | $ 178,000 | $ 122,000 |
| Craig, Oklahoma | 1 | $ 398,000 | $ 398,000 | $ 505,000 |
| Garvin, Oklahoma | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Hughes, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Latimer, Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Lincoln, Oklahoma | 1 | $ 57,000 | $ 57,000 | $ 51,000 |
| McIntosh, Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 188,000 |
| Muskogee, Oklahoma | 1 | $ 248,000 | $ 248,000 | $ 173,000 |
| Ottawa, Oklahoma | 1 | $ 7,000 | $ 7,000 | $ 57,000 |
| Stephens, Oklahoma | 1 | $ 176,000 | $ 176,000 | $ 112,000 |
| Washington, Oklahoma | 1 | $ 840,000 | $ 840,000 | $ 273,000 |
| Fayette, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 225,000 |
| Gonzales, Texas | 1 | $ 94,000 | $ 94,000 | $ 91,000 |
| Guadalupe, Texas | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Henderson, Texas | 1 | $ 344,000 | $ 344,000 | $ 873,000 |
| Hood, Texas | 1 | $ 242,000 | $ 242,000 | $ 770,000 |
| Rockwall, Texas | 1 | $ 190,000 | $ 190,000 | $ 209,000 |
| Smith, Texas | 1 | $ 80,000 | $ 80,000 | $ 25,000 |
| Wood, Texas | 1 | $ 275,000 | $ 275,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2013
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 | 811 | $163,814,000 | $201,000 | $4,000,000 | $116,000 | $5,874,000 |
| Refinancing | 378 | $94,131,000 | $249,000 | $4,000,000 | $169,000 | $2,524,000 |
| Home Improvement | 67 | $9,603,000 | $143,000 | $1,540,000 | $170,000 | $2,078,000 |
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 | 994 | $219,446,000 | $220,000 | $4,000,000 | $153,000 | $5,874,000 |
| American Indian or Alaskan Native | 72 | $10,188,000 | $141,000 | $303,000 | $74,000 | $328,000 |
| Hispanic | 59 | $7,650,000 | $129,000 | $405,000 | $65,000 | $662,000 |
| Not applicable | 55 | $19,231,000 | $349,000 | $3,000,000 | $42,000 | $1,587,000 |
| Black or African American | 36 | $4,144,000 | $115,000 | $377,000 | $66,000 | $405,000 |
| Asian | 27 | $4,705,000 | $174,000 | $490,000 | $87,000 | $299,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,654,000 | $183,000 | $527,000 | $88,000 | $324,000 |
| Not Provided | 4 | $530,000 | $132,000 | $256,000 | $76,000 | $168,000 |
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) | 911 | $214,391,000 | $235,000 | $4,000,000 | $162,000 | $5,874,000 |
| FHA-insured (Federal Housing Administration) | 249 | $36,219,000 | $145,000 | $303,000 | $62,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 61 | $12,105,000 | $198,000 | $668,000 | $84,000 | $551,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,833,000 | $138,000 | $267,000 | $51,000 | $94,000 |
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 | 862 | $177,315,000 | $205,000 | $4,000,000 | $139,000 | $5,874,000 |
| Application Denied By Financial Institution | 162 | $26,360,000 | $162,000 | $1,190,000 | $75,000 | $388,000 |
| Application Withdrawn By Applicant | 140 | $39,448,000 | $281,000 | $4,000,000 | $167,000 | $2,150,000 |
| Application Approved But Not Accepted | 42 | $7,435,000 | $177,000 | $820,000 | $108,000 | $442,000 |
| File Closed For Incompleteness | 41 | $16,493,000 | $402,000 | $2,500,000 | $227,000 | $881,000 |
| Loan Purchased By The Institution | 9 | $497,000 | $55,000 | $63,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $89,000 | $89,000 | $89,000 | $20,000 | $20,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank & Trust's 2013 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 & Trust'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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