F&M Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, F&M Bank & Trust of Tulsa, OK reported 1,026 mortgage applications totaling $172.5 million, down 23% from 2003. The average application was for $168,105, and applicants reported an average income of $70,292. 83% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Tulsa, OK (913), Oklahoma City, OK (11) and Dallas-Plano-Irving, TX (3) (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 | 1,026 |
| Total Mortgage Loan Application Amount | $172,476,000 |
| Average Mortgage Loan Application Amount | $168,105 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $70,292 |
| Highest Applicant Income | $2,101,000 |
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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 725 | $ 105,708,000 | $ 145,804 | $ 72,000 |
| Rogers, Oklahoma | 95 | $ 13,123,000 | $ 138,136 | $ 64,000 |
| Wagoner, Oklahoma | 57 | $ 6,684,000 | $ 117,263 | $ 54,000 |
| Pittsburg, Oklahoma | 40 | $ 3,561,000 | $ 89,025 | $ 45,000 |
| Osage, Oklahoma | 17 | $ 2,563,000 | $ 150,764 | $ 60,000 |
| Creek, Oklahoma | 15 | $ 3,478,000 | $ 231,866 | $ 104,000 |
| Le Flore, Oklahoma | 8 | $ 874,000 | $ 109,250 | $ 44,000 |
| Mayes, Oklahoma | 7 | $ 734,000 | $ 104,857 | $ 71,000 |
| Delaware, Oklahoma | 6 | $ 1,024,000 | $ 170,666 | $ 183,000 |
| Oklahoma, Oklahoma | 6 | $ 11,341,000 | $ 1,890,166 | $ 97,000 |
| Cleveland, Oklahoma | 4 | $ 519,000 | $ 129,750 | $ 110,000 |
| Benton, Arkansas | 3 | $ 628,000 | $ 209,333 | $ 101,000 |
| Pawnee, Oklahoma | 3 | $ 306,000 | $ 102,000 | $ 216,000 |
| Payne, Oklahoma | 3 | $ 225,000 | $ 75,000 | $ 114,000 |
| Washington, Oklahoma | 3 | $ 449,000 | $ 149,666 | $ 44,000 |
| Maricopa, Arizona | 2 | $ 329,000 | $ 164,500 | $ 55,000 |
| Cherokee, Oklahoma | 2 | $ 194,000 | $ 97,000 | $ 42,000 |
| Haskell, Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 52,000 |
| Hughes, Oklahoma | 2 | $ 118,000 | $ 59,000 | $ 55,000 |
| Latimer, Oklahoma | 2 | $ 113,000 | $ 56,500 | $ 23,000 |
| Bexar, Texas | 2 | $ 240,000 | $ 120,000 | $ 86,000 |
| Dallas, Texas | 2 | $ 325,000 | $ 162,500 | $ 500,000 |
| Sebastian, Arkansas | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Fresno, California | 1 | $ 213,000 | $ 213,000 | $ 48,000 |
| Orange, California | 1 | $ 667,000 | $ 667,000 | $ 128,000 |
| Jefferson, Colorado | 1 | $ 536,000 | $ 536,000 | $ 408,000 |
| Broward, Florida | 1 | $ 268,000 | $ 268,000 | $ 378,000 |
| Sarasota, Florida | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Calcasieu, Louisiana | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Baltimore, Maryland | 1 | $ 863,000 | $ 863,000 | $ 200,000 |
| Adair, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Lincoln, Oklahoma | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Muskogee, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Okmulgee, Oklahoma | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Ottawa, Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 52,000 |
| Pottawatomie, Oklahoma | 1 | $ 93,000 | $ 93,000 | $ 21,000 |
| Bell, Texas | 1 | $ 133,000 | $ 133,000 | $ 74,000 |
| Denton, Texas | 1 | $ 168,000 | $ 168,000 | $ 78,000 |
| Henderson, Texas | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,000,000 |
| Nueces, Texas | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Potter, Texas | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Ward, Texas | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2004
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 | 700 | $118,208,000 | $585,111 | $12,000,000 | $128,000 | $2,101,000 |
| Refinancing | 258 | $51,263,000 | $321,333 | $6,400,000 | $81,666 | $1,627,000 |
| Home Improvement | 68 | $3,005,000 | $295,000 | $1,000,000 | $518,000 | $1,000,000 |
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 | 891 | $119,158,000 | $307,500 | $1,400,000 | $165,125 | $2,101,000 |
| American Indian or Alaskan Native | 34 | $3,840,000 | $112,000 | $420,000 | $61,000 | $393,000 |
| Not applicable | 27 | $40,203,000 | $2,431,666 | $12,000,000 | $3,000 | $405,000 |
| Black or African American | 26 | $2,281,000 | $87,000 | $303,000 | $54,000 | $150,000 |
| Hispanic | 26 | $3,247,000 | $124,000 | $600,000 | $57,000 | $346,000 |
| Asian | 16 | $2,950,000 | $348,000 | $650,000 | $252,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $482,000 | $120,000 | $320,000 | $71,000 | $182,000 |
| Not Provided | 2 | $315,000 | $157,500 | $164,000 | $225,500 | $395,000 |
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) | 862 | $154,283,000 | $565,777 | $12,000,000 | $159,666 | $2,101,000 |
| FHA-insured (Federal Housing Administration) | 119 | $12,367,000 | $108,500 | $165,000 | $46,000 | $393,000 |
| VA-guaranteed (Veterans Administration) | 41 | $5,422,000 | $132,000 | $238,000 | $52,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $404,000 | $101,000 | $139,000 | $38,000 | $68,000 |
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 | 854 | $148,172,000 | $540,000 | $12,000,000 | $154,555 | $2,101,000 |
| Application Denied By Financial Institution | 90 | $11,230,000 | $299,666 | $1,400,000 | $73,333 | $526,000 |
| Application Approved But Not Accepted | 62 | $10,946,000 | $170,500 | $968,000 | $76,000 | $1,627,000 |
| Application Withdrawn By Applicant | 20 | $2,128,000 | $106,000 | $240,000 | $47,000 | $91,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2004 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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