F&M Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, F&M Bank & Trust of Tulsa, OK reported 1,330 mortgage applications totaling $195.6 million. The average application was for $147,040, and applicants reported an average income of $69,686. 78% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Tulsa, OK (1,221), Oklahoma City, OK (14) and San Diego, CA (2) (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 | 1,330 |
| Total Mortgage Loan Application Amount | $195,564,000 |
| Average Mortgage Loan Application Amount | $147,040 |
| Highest Mortgage Loan Application Amount | $18,500,000 |
| Average Applicant Income | $69,686 |
| Highest Applicant Income | $2,000,000 |
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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 967 | $ 134,467,000 | $ 139,055 | $ 60,000 |
| Rogers, Oklahoma | 118 | $ 14,475,000 | $ 122,669 | $ 53,000 |
| Wagoner, Oklahoma | 108 | $ 12,558,000 | $ 116,277 | $ 59,000 |
| Pittsburg, Oklahoma | 28 | $ 2,174,000 | $ 77,642 | $ 44,000 |
| Delaware, Oklahoma | 21 | $ 4,383,000 | $ 208,714 | $ 302,000 |
| Creek, Oklahoma | 18 | $ 1,744,000 | $ 96,888 | $ 64,000 |
| Osage, Oklahoma | 10 | $ 1,145,000 | $ 114,500 | $ 48,000 |
| Oklahoma, Oklahoma | 9 | $ 1,526,000 | $ 169,555 | $ 78,000 |
| Mayes, Oklahoma | 8 | $ 727,000 | $ 90,875 | $ 72,000 |
| Okmulgee, Oklahoma | 5 | $ 574,000 | $ 114,800 | $ 58,000 |
| Cleveland, Oklahoma | 4 | $ 18,722,000 | $ 4,680,500 | $ 38,000 |
| Craig, Oklahoma | 4 | $ 280,000 | $ 70,000 | $ 73,000 |
| Muskogee, Oklahoma | 4 | $ 313,000 | $ 78,250 | $ 66,000 |
| Payne, Oklahoma | 3 | $ 272,000 | $ 90,666 | $ 164,000 |
| San Diego, California | 2 | $ 223,000 | $ 111,500 | $ 49,000 |
| Stone, Missouri | 2 | $ 90,000 | $ 45,000 | $ 48,000 |
| Le Flore, Oklahoma | 2 | $ 154,000 | $ 77,000 | $ 29,000 |
| McCurtain, Oklahoma | 2 | $ 174,000 | $ 87,000 | $ 70,000 |
| Washington, Oklahoma | 2 | $ 175,000 | $ 87,500 | $ 21,000 |
| Saline, Arkansas | 1 | $ 117,000 | $ 117,000 | $ 88,000 |
| Sebastian, Arkansas | 1 | $ 82,000 | $ 82,000 | $ 37,000 |
| Jefferson, Iowa | 1 | $ 22,000 | $ 22,000 | $ 119,000 |
| Montgomery, Kansas | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Cumberland, Maine | 1 | $ 179,000 | $ 179,000 | $ 41,000 |
| Oxford, Maine | 1 | $ 264,000 | $ 264,000 | $ 197,000 |
| Haskell, Oklahoma | 1 | $ 56,000 | $ 56,000 | $ 42,000 |
| Hughes, Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| McIntosh, Oklahoma | 1 | $ 64,000 | $ 64,000 | $ 25,000 |
| Pottawatomie, Oklahoma | 1 | $ 102,000 | $ 102,000 | $ 67,000 |
| Dallas, Texas | 1 | $ 69,000 | $ 69,000 | $ 49,000 |
| Swisher, Texas | 1 | $ 68,000 | $ 68,000 | $ 87,000 |
| King, Washington | 1 | $ 165,000 | $ 165,000 | $ 202,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2003
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 (one-to-four family) | 733 | $93,353,000 | $95,500 | $892,000 | $56,000 | $2,000,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 536 | $74,756,000 | $119,166 | $1,600,000 | $103,000 | $613,000 |
| Home Improvement (one-to-four family) | 59 | $1,955,000 | $33,000 | $437,000 | $35,000 | $553,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $25,500,000 | $12,750,000 | $18,500,000 | $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 | 1,192 | $154,653,000 | $106,777 | $1,600,000 | $86,111 | $2,000,000 |
| American Indian or Alaskan Native | 45 | $4,361,000 | $96,000 | $292,000 | $56,000 | $131,000 |
| Hispanic | 26 | $2,425,000 | $93,000 | $195,000 | $44,000 | $100,000 |
| Black | 23 | $1,871,000 | $81,000 | $151,000 | $45,000 | $108,000 |
| Not applicable | 19 | $29,699,000 | $1,563,000 | $18,500,000 | $0 | $0 |
| Asian or Pacific Islander | 15 | $1,562,000 | $104,000 | $159,000 | $45,000 | $85,000 |
| Other | 8 | $897,000 | $112,000 | $217,000 | $68,000 | $128,000 |
| Information not provided by applicant in mail or telephone application | 2 | $96,000 | $48,000 | $78,000 | $274,000 | $425,000 |
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) | 1,040 | $163,645,000 | $109,888 | $18,500,000 | $86,222 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 229 | $23,597,000 | $103,000 | $157,000 | $49,000 | $326,000 |
| VA-guaranteed (Veterans Administration) | 61 | $8,322,000 | $136,000 | $240,000 | $43,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,033 | $160,509,000 | $124,714 | $18,500,000 | $93,000 | $2,000,000 |
| Application Denied By Financial Institution | 142 | $14,998,000 | $73,000 | $1,600,000 | $69,333 | $510,000 |
| Application Approved But Not Accepted | 84 | $12,139,000 | $144,000 | $650,000 | $53,000 | $348,000 |
| Application Withdrawn By Applicant | 71 | $7,918,000 | $90,500 | $410,000 | $57,000 | $270,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank & Trust's 2003 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.
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