F&M Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, F&M Bank & Trust of Tulsa, OK reported 1,378 mortgage applications totaling $252.6 million, up 34% from 2008. The average application was for $183,339, and applicants reported an average income of $115,328. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Tulsa, OK (1,304), Oklahoma City, OK (15) 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 | 1,378 |
| Total Mortgage Loan Application Amount | $252,642,000 |
| Average Mortgage Loan Application Amount | $183,339 |
| Highest Mortgage Loan Application Amount | $4,950,000 |
| Average Applicant Income | $115,328 |
| Highest Applicant Income | $5,677,000 |
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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,052 | $ 189,597,000 | $ 180,225 | $ 121,000 |
| Rogers, Oklahoma | 125 | $ 22,416,000 | $ 179,328 | $ 84,000 |
| Wagoner, Oklahoma | 70 | $ 10,256,000 | $ 146,514 | $ 64,000 |
| Osage, Oklahoma | 25 | $ 3,640,000 | $ 145,600 | $ 58,000 |
| Creek, Oklahoma | 23 | $ 3,692,000 | $ 160,521 | $ 66,000 |
| Mayes, Oklahoma | 17 | $ 2,216,000 | $ 130,352 | $ 121,000 |
| Delaware, Oklahoma | 13 | $ 3,093,000 | $ 237,923 | $ 252,000 |
| Oklahoma, Oklahoma | 9 | $ 1,402,000 | $ 155,777 | $ 103,000 |
| Okmulgee, Oklahoma | 6 | $ 1,067,000 | $ 177,833 | $ 131,000 |
| Washington, Oklahoma | 5 | $ 946,000 | $ 189,200 | $ 73,000 |
| Cleveland, Oklahoma | 3 | $ 437,000 | $ 145,666 | $ 118,000 |
| Pawnee, Oklahoma | 3 | $ 471,000 | $ 157,000 | $ 54,000 |
| Harrison, Mississippi | 2 | $ 4,371,000 | $ 2,185,500 | $ 246,000 |
| Canadian, Oklahoma | 2 | $ 239,000 | $ 119,500 | $ 49,000 |
| Muskogee, Oklahoma | 2 | $ 248,000 | $ 124,000 | $ 57,000 |
| Nowata, Oklahoma | 2 | $ 257,000 | $ 128,500 | $ 109,000 |
| Payne, Oklahoma | 2 | $ 224,000 | $ 112,000 | $ 53,000 |
| Pittsburg, Oklahoma | 2 | $ 329,000 | $ 164,500 | $ 65,000 |
| Dallas, Texas | 2 | $ 974,000 | $ 487,000 | $ 256,000 |
| Pinal, Arizona | 1 | $ 250,000 | $ 250,000 | $ 8,000 |
| Pitkin, Colorado | 1 | $ 4,500,000 | $ 4,500,000 | $ 2,794,000 |
| Johnson, Kansas | 1 | $ 290,000 | $ 290,000 | $ 334,000 |
| Sedgwick, Kansas | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Greene, Missouri | 1 | $ 153,000 | $ 153,000 | $ 65,000 |
| Newton, Missouri | 1 | $ 444,000 | $ 444,000 | $ 312,000 |
| Cherokee, Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 110,000 |
| Comanche, Oklahoma | 1 | $ 134,000 | $ 134,000 | $ 327,000 |
| Craig, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 289,000 |
| Kay, Oklahoma | 1 | $ 114,000 | $ 114,000 | $ 41,000 |
| Lincoln, Oklahoma | 1 | $ 202,000 | $ 202,000 | $ 56,000 |
| Collin, Texas | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Cooke, Texas | 1 | $ 96,000 | $ 96,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2009
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 | 806 | $134,515,000 | $166,000 | $2,565,000 | $90,000 | $1,400,000 |
| Refinancing | 530 | $116,280,000 | $219,000 | $4,950,000 | $153,000 | $5,677,000 |
| Home Improvement | 42 | $1,847,000 | $43,000 | $600,000 | $126,000 | $1,400,000 |
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 | 1,130 | $217,481,000 | $192,000 | $4,950,000 | $126,000 | $5,677,000 |
| American Indian or Alaskan Native | 131 | $19,503,000 | $148,000 | $417,000 | $68,000 | $261,000 |
| Not applicable | 46 | $4,034,000 | $87,000 | $778,000 | $15,000 | $720,000 |
| Hispanic | 32 | $5,947,000 | $185,000 | $417,000 | $98,000 | $670,000 |
| Black or African American | 21 | $2,819,000 | $134,000 | $341,000 | $87,000 | $700,000 |
| Asian | 17 | $2,834,000 | $166,000 | $406,000 | $144,000 | $906,000 |
| Not Provided | 1 | $24,000 | $24,000 | $24,000 | $141,000 | $141,000 |
| 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) | 750 | $160,056,000 | $213,000 | $4,950,000 | $161,000 | $5,677,000 |
| FHA-insured (Federal Housing Administration) | 501 | $72,806,000 | $145,000 | $303,000 | $62,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $12,103,000 | $144,000 | $255,000 | $48,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 43 | $7,677,000 | $178,000 | $346,000 | $63,000 | $185,000 |
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 | 1,124 | $207,355,000 | $184,000 | $4,950,000 | $121,000 | $5,677,000 |
| Application Approved But Not Accepted | 93 | $16,683,000 | $179,000 | $417,000 | $90,000 | $350,000 |
| Application Denied By Financial Institution | 89 | $14,944,000 | $167,000 | $417,000 | $79,000 | $558,000 |
| Application Withdrawn By Applicant | 57 | $10,131,000 | $177,000 | $417,000 | $100,000 | $490,000 |
| File Closed For Incompleteness | 15 | $3,529,000 | $235,000 | $417,000 | $124,000 | $276,000 |
| 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 2009 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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