F&M Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, F&M Bank & Trust of Tulsa, OK reported 1,138 mortgage applications totaling $155.1 million, up 9% from 2005. The average application was for $136,254, and applicants reported an average income of $97,853. 83% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Tulsa, OK (1,056), Oklahoma City, OK (11) and Fort Smith, AR-OK (7) (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 | 1,138 |
| Total Mortgage Loan Application Amount | $155,058,000 |
| Average Mortgage Loan Application Amount | $136,254 |
| Highest Mortgage Loan Application Amount | $1,560,000 |
| Average Applicant Income | $97,853 |
| 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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 858 | $ 112,216,000 | $ 130,787 | $ 97,000 |
| Rogers, Oklahoma | 102 | $ 14,102,000 | $ 138,254 | $ 71,000 |
| Wagoner, Oklahoma | 54 | $ 6,352,000 | $ 117,629 | $ 58,000 |
| Osage, Oklahoma | 20 | $ 1,714,000 | $ 85,700 | $ 69,000 |
| Creek, Oklahoma | 15 | $ 1,834,000 | $ 122,266 | $ 75,000 |
| Delaware, Oklahoma | 13 | $ 4,707,000 | $ 362,076 | $ 320,000 |
| Oklahoma, Oklahoma | 8 | $ 2,035,000 | $ 254,375 | $ 200,000 |
| Washington, Oklahoma | 8 | $ 604,000 | $ 75,500 | $ 74,000 |
| Le Flore, Oklahoma | 6 | $ 688,000 | $ 114,666 | $ 60,000 |
| Okmulgee, Oklahoma | 6 | $ 1,054,000 | $ 175,666 | $ 135,000 |
| Cleveland, Oklahoma | 3 | $ 635,000 | $ 211,666 | $ 49,000 |
| Custer, Oklahoma | 3 | $ 208,000 | $ 69,333 | $ 62,000 |
| Mayes, Oklahoma | 3 | $ 347,000 | $ 115,666 | $ 211,000 |
| Payne, Oklahoma | 3 | $ 242,000 | $ 80,666 | $ 68,000 |
| Weld, Colorado | 2 | $ 237,000 | $ 118,500 | $ 114,000 |
| Chatham, Georgia | 2 | $ 232,000 | $ 116,000 | $ 632,000 |
| Kay, Oklahoma | 2 | $ 240,000 | $ 120,000 | $ 33,000 |
| Nowata, Oklahoma | 2 | $ 297,000 | $ 148,500 | $ 94,000 |
| Pottawatomie, Oklahoma | 2 | $ 107,000 | $ 53,500 | $ 70,000 |
| Collin, Texas | 2 | $ 555,000 | $ 277,500 | $ 158,000 |
| Dallas, Texas | 2 | $ 1,201,000 | $ 600,500 | $ 0 |
| Denton, Texas | 2 | $ 185,000 | $ 92,500 | $ 85,000 |
| Johnson, Texas | 2 | $ 124,000 | $ 62,000 | $ 63,000 |
| Collier, Florida | 1 | $ 1,280,000 | $ 1,280,000 | $ 0 |
| Cook, Illinois | 1 | $ 208,000 | $ 208,000 | $ 110,000 |
| Johnson, Kansas | 1 | $ 470,000 | $ 470,000 | $ 335,000 |
| St. Louis, Missouri | 1 | $ 1,099,000 | $ 1,099,000 | $ 474,000 |
| Taney, Missouri | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 417,000 | $ 417,000 | $ 258,000 |
| Adair, Oklahoma | 1 | $ 1,000 | $ 1,000 | $ 19,000 |
| Comanche, Oklahoma | 1 | $ 136,000 | $ 136,000 | $ 311,000 |
| Craig, Oklahoma | 1 | $ 81,000 | $ 81,000 | $ 68,000 |
| Haskell, Oklahoma | 1 | $ 116,000 | $ 116,000 | $ 129,000 |
| Muskogee, Oklahoma | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Pawnee, Oklahoma | 1 | $ 98,000 | $ 98,000 | $ 44,000 |
| Sequoyah, Oklahoma | 1 | $ 4,000 | $ 4,000 | $ 54,000 |
| Sevier, Tennessee | 1 | $ 94,000 | $ 94,000 | $ 547,000 |
| Nueces, Texas | 1 | $ 190,000 | $ 190,000 | $ 100,000 |
| Tarrant, Texas | 1 | $ 250,000 | $ 250,000 | $ 130,000 |
| Kanawha, West Virginia | 1 | $ 88,000 | $ 88,000 | $ 36,000 |
| Teton, Wyoming | 1 | $ 300,000 | $ 300,000 | $ 2,000,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2006
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 | 855 | $115,269,000 | $134,000 | $1,099,000 | $96,000 | $957,000 |
| Refinancing | 210 | $37,375,000 | $177,000 | $1,560,000 | $105,000 | $815,000 |
| Home Improvement | 73 | $2,414,000 | $33,000 | $350,000 | $99,000 | $2,000,000 |
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 | 984 | $136,815,000 | $139,000 | $1,560,000 | $102,000 | $2,000,000 |
| American Indian or Alaskan Native | 42 | $4,919,000 | $117,000 | $375,000 | $64,000 | $220,000 |
| Black or African American | 38 | $3,479,000 | $91,000 | $273,000 | $70,000 | $311,000 |
| Asian | 32 | $3,940,000 | $123,000 | $200,000 | $104,000 | $822,000 |
| Hispanic | 29 | $2,910,000 | $100,000 | $305,000 | $86,000 | $815,000 |
| Not applicable | 12 | $2,771,000 | $230,000 | $968,000 | $0 | $0 |
| Not Provided | 1 | $224,000 | $224,000 | $224,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 981 | $135,793,000 | $138,000 | $1,560,000 | $104,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 123 | $14,109,000 | $114,000 | $203,000 | $58,000 | $426,000 |
| VA-guaranteed (Veterans Administration) | 25 | $4,109,000 | $164,000 | $257,000 | $70,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,047,000 | $116,000 | $158,000 | $40,000 | $54,000 |
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 | 950 | $128,071,000 | $134,000 | $1,560,000 | $99,000 | $2,000,000 |
| Application Approved But Not Accepted | 93 | $14,472,000 | $155,000 | $900,000 | $102,000 | $480,000 |
| Application Denied By Financial Institution | 88 | $11,521,000 | $130,000 | $1,280,000 | $86,000 | $632,000 |
| Application Withdrawn By Applicant | 7 | $994,000 | $142,000 | $417,000 | $77,000 | $220,000 |
| 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 |
|---|---|---|---|---|---|---|
| Employment History | 1 | $32,000 | $32,000 | $32,000 | $179,000 | $179,000 |
| 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 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank & Trust's 2006 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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