F&M Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, F&M Bank & Trust of Tulsa, OK reported 1,016 mortgage applications totaling $151.7 million, down 11% from 2006. The average application was for $149,334, and applicants reported an average income of $100,798. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Tulsa, OK (913), Dallas-Plano-Irving, TX (30) and Oklahoma City, 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 | 1,016 |
| Total Mortgage Loan Application Amount | $151,724,000 |
| Average Mortgage Loan Application Amount | $149,334 |
| Highest Mortgage Loan Application Amount | $4,250,000 |
| Average Applicant Income | $100,798 |
| Highest Applicant Income | $1,355,000 |
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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 705 | $ 108,129,000 | $ 153,374 | $ 102,000 |
| Rogers, Oklahoma | 94 | $ 12,858,000 | $ 136,787 | $ 90,000 |
| Wagoner, Oklahoma | 72 | $ 9,338,000 | $ 129,694 | $ 77,000 |
| Dallas, Texas | 27 | $ 1,118,000 | $ 41,407 | $ 2,000 |
| Mayes, Oklahoma | 21 | $ 2,828,000 | $ 134,666 | $ 124,000 |
| Osage, Oklahoma | 20 | $ 3,011,000 | $ 150,550 | $ 131,000 |
| Creek, Oklahoma | 17 | $ 2,713,000 | $ 159,588 | $ 102,000 |
| Delaware, Oklahoma | 13 | $ 3,495,000 | $ 268,846 | $ 313,000 |
| Oklahoma, Oklahoma | 5 | $ 413,000 | $ 82,600 | $ 54,000 |
| Le Flore, Oklahoma | 4 | $ 538,000 | $ 134,500 | $ 48,000 |
| Payne, Oklahoma | 4 | $ 499,000 | $ 124,750 | $ 99,000 |
| St. Louis, Missouri | 3 | $ 496,000 | $ 165,333 | $ 223,000 |
| Okmulgee, Oklahoma | 3 | $ 262,000 | $ 87,333 | $ 71,000 |
| Collin, Texas | 3 | $ 276,000 | $ 92,000 | $ 16,000 |
| Pawnee, Oklahoma | 2 | $ 440,000 | $ 220,000 | $ 131,000 |
| Washington, Oklahoma | 2 | $ 482,000 | $ 241,000 | $ 94,000 |
| Harris, Texas | 2 | $ 153,000 | $ 76,500 | $ 292,000 |
| Iron, Utah | 2 | $ 165,000 | $ 82,500 | $ 85,000 |
| Jefferson, Alabama | 1 | $ 106,000 | $ 106,000 | $ 34,000 |
| Maricopa, Arizona | 1 | $ 417,000 | $ 417,000 | $ 438,000 |
| Hinsdale, Colorado | 1 | $ 432,000 | $ 432,000 | $ 350,000 |
| Jefferson, Colorado | 1 | $ 224,000 | $ 224,000 | $ 52,000 |
| Lake, Florida | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 840,000 |
| Blaine, Idaho | 1 | $ 99,000 | $ 99,000 | $ 139,000 |
| Baltimore, Maryland | 1 | $ 850,000 | $ 850,000 | $ 250,000 |
| Anoka, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| Missoula, Montana | 1 | $ 301,000 | $ 301,000 | $ 90,000 |
| Canadian, Oklahoma | 1 | $ 127,000 | $ 127,000 | $ 47,000 |
| Cleveland, Oklahoma | 1 | $ 67,000 | $ 67,000 | $ 62,000 |
| Kay, Oklahoma | 1 | $ 149,000 | $ 149,000 | $ 44,000 |
| McIntosh, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Pittsburg, Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 180,000 |
| Tarrant, Texas | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Walworth, Wisconsin | 1 | $ 248,000 | $ 248,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2007
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 | 833 | $122,843,000 | $147,000 | $1,000,000 | $99,000 | $1,200,000 |
| Refinancing | 144 | $26,426,000 | $183,000 | $4,250,000 | $106,000 | $1,355,000 |
| Home Improvement | 39 | $2,455,000 | $62,000 | $650,000 | $120,000 | $1,100,000 |
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 | 857 | $128,124,000 | $149,000 | $1,120,000 | $107,000 | $1,355,000 |
| American Indian or Alaskan Native | 51 | $6,418,000 | $125,000 | $417,000 | $67,000 | $240,000 |
| Not applicable | 44 | $8,080,000 | $183,000 | $4,250,000 | $0 | $31,000 |
| Asian | 23 | $4,008,000 | $174,000 | $590,000 | $204,000 | $822,000 |
| Black or African American | 21 | $2,138,000 | $101,000 | $200,000 | $49,000 | $100,000 |
| Hispanic | 16 | $2,180,000 | $136,000 | $210,000 | $60,000 | $133,000 |
| Not Provided | 3 | $326,000 | $108,000 | $186,000 | $133,000 | $306,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $450,000 | $450,000 | $450,000 | $169,000 | $169,000 |
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) | 848 | $129,676,000 | $152,000 | $4,250,000 | $108,000 | $1,355,000 |
| FHA-insured (Federal Housing Administration) | 131 | $15,734,000 | $120,000 | $303,000 | $63,000 | $613,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,304,000 | $182,000 | $328,000 | $71,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,010,000 | $126,000 | $186,000 | $42,000 | $56,000 |
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 | 794 | $120,776,000 | $152,000 | $4,250,000 | $103,000 | $1,355,000 |
| Application Denied By Financial Institution | 100 | $15,127,000 | $151,000 | $1,120,000 | $90,000 | $504,000 |
| Application Approved But Not Accepted | 85 | $12,160,000 | $143,000 | $582,000 | $107,000 | $373,000 |
| Loan Purchased By The Institution | 26 | $1,033,000 | $39,000 | $57,000 | $0 | $0 |
| Application Withdrawn By Applicant | 11 | $2,628,000 | $238,000 | $1,000,000 | $219,000 | $840,000 |
| File Closed For Incompleteness | 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 2007 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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