F&M Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, F&M Bank & Trust of Tulsa, OK reported 1,044 mortgage applications totaling $165.6 million, up 2% from 2004. The average application was for $158,615, and applicants reported an average income of $83,760. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Tulsa, OK (949), Oklahoma City, OK (15) and Fayetteville-Springdale-Rogers, AR-MO (11) (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 | 1,044 |
| Total Mortgage Loan Application Amount | $165,595,000 |
| Average Mortgage Loan Application Amount | $158,615 |
| Highest Mortgage Loan Application Amount | $5,200,000 |
| Average Applicant Income | $83,760 |
| Highest Applicant Income | $2,400,000 |
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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 755 | $ 122,879,000 | $ 162,753 | $ 74,000 |
| Rogers, Oklahoma | 80 | $ 14,284,000 | $ 178,550 | $ 87,000 |
| Wagoner, Oklahoma | 77 | $ 9,433,000 | $ 122,506 | $ 57,000 |
| Osage, Oklahoma | 22 | $ 2,891,000 | $ 131,409 | $ 80,000 |
| Delaware, Oklahoma | 13 | $ 1,946,000 | $ 149,692 | $ 199,000 |
| Benton, Arkansas | 10 | $ 1,940,000 | $ 194,000 | $ 87,000 |
| Cleveland, Oklahoma | 8 | $ 697,000 | $ 87,125 | $ 200,000 |
| Creek, Oklahoma | 8 | $ 797,000 | $ 99,625 | $ 68,000 |
| Pittsburg, Oklahoma | 7 | $ 634,000 | $ 90,571 | $ 38,000 |
| Oklahoma, Oklahoma | 6 | $ 828,000 | $ 138,000 | $ 130,000 |
| Okmulgee, Oklahoma | 6 | $ 441,000 | $ 73,500 | $ 65,000 |
| Le Flore, Oklahoma | 5 | $ 528,000 | $ 105,600 | $ 39,000 |
| Payne, Oklahoma | 4 | $ 443,000 | $ 110,750 | $ 116,000 |
| Mayes, Oklahoma | 3 | $ 381,000 | $ 127,000 | $ 83,000 |
| Harris, Texas | 3 | $ 527,000 | $ 175,666 | $ 166,000 |
| Maricopa, Arizona | 2 | $ 718,000 | $ 359,000 | $ 348,000 |
| Collier, Florida | 2 | $ 369,000 | $ 184,500 | $ 404,000 |
| Palm Beach, Florida | 2 | $ 1,360,000 | $ 680,000 | $ 506,000 |
| Madison, Mississippi | 2 | $ 320,000 | $ 160,000 | $ 100,000 |
| Jackson, Missouri | 2 | $ 165,000 | $ 82,500 | $ 63,000 |
| Jasper, Missouri | 2 | $ 171,000 | $ 85,500 | $ 38,000 |
| Cherokee, Oklahoma | 2 | $ 252,000 | $ 126,000 | $ 244,000 |
| Washington, Oklahoma | 2 | $ 110,000 | $ 55,000 | $ 28,000 |
| Collin, Texas | 2 | $ 195,000 | $ 97,500 | $ 113,000 |
| Dallas, Texas | 2 | $ 432,000 | $ 216,000 | $ 93,000 |
| Washington, Arkansas | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Hinsdale, Colorado | 1 | $ 91,000 | $ 91,000 | $ 143,000 |
| Marion, Florida | 1 | $ 136,000 | $ 136,000 | $ 194,000 |
| Okaloosa, Florida | 1 | $ 208,000 | $ 208,000 | $ 111,000 |
| Cook, Illinois | 1 | $ 217,000 | $ 217,000 | $ 185,000 |
| Baltimore, Maryland | 1 | $ 353,000 | $ 353,000 | $ 200,000 |
| Barry, Missouri | 1 | $ 140,000 | $ 140,000 | $ 152,000 |
| Santa Fe, New Mexico | 1 | $ 600,000 | $ 600,000 | $ 258,000 |
| Adair, Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| Craig, Oklahoma | 1 | $ 352,000 | $ 352,000 | $ 415,000 |
| Kay, Oklahoma | 1 | $ 97,000 | $ 97,000 | $ 67,000 |
| Lincoln, Oklahoma | 1 | $ 89,000 | $ 89,000 | $ 49,000 |
| Muskogee, Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 13,000 |
| Pawnee, Oklahoma | 1 | $ 88,000 | $ 88,000 | $ 65,000 |
| Pottawatomie, Oklahoma | 1 | $ 42,000 | $ 42,000 | $ 80,000 |
| McLennan, Texas | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Tarrant, Texas | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2005
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 | 736 | $109,016,000 | $256,250 | $1,500,000 | $176,250 | $2,400,000 |
| Refinancing | 235 | $53,308,000 | $209,333 | $5,200,000 | $160,500 | $1,372,000 |
| Home Improvement | 73 | $3,271,000 | $196,500 | $770,000 | $140,500 | $576,000 |
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 | 940 | $147,150,000 | $249,000 | $1,650,000 | $177,727 | $2,400,000 |
| American Indian or Alaskan Native | 33 | $4,258,000 | $107,000 | $360,000 | $70,500 | $246,000 |
| Hispanic | 25 | $2,897,000 | $115,000 | $352,000 | $70,000 | $415,000 |
| Black or African American | 15 | $1,570,000 | $104,000 | $196,000 | $63,000 | $185,000 |
| Not applicable | 15 | $7,626,000 | $508,000 | $5,200,000 | $3,000 | $79,000 |
| Asian | 14 | $1,902,000 | $135,000 | $208,000 | $80,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $162,000 | $162,000 | $162,000 | $73,000 | $73,000 |
| Not Provided | 1 | $30,000 | $30,000 | $30,000 | $13,000 | $13,000 |
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) | 937 | $152,647,000 | $247,636 | $5,200,000 | $177,363 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 72 | $8,296,000 | $115,000 | $203,000 | $49,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 29 | $3,883,000 | $133,000 | $270,000 | $59,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $769,000 | $128,000 | $140,000 | $47,000 | $51,000 |
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 | 855 | $137,717,000 | $235,636 | $5,200,000 | $171,181 | $2,400,000 |
| Application Denied By Financial Institution | 94 | $11,627,000 | $153,000 | $975,000 | $74,000 | $576,000 |
| Application Approved But Not Accepted | 82 | $14,673,000 | $364,750 | $1,000,000 | $247,500 | $785,000 |
| Application Withdrawn By Applicant | 13 | $1,578,000 | $123,500 | $304,000 | $49,000 | $300,000 |
| 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 2005 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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