F&M Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, F&M Bank & Trust of Tulsa, OK reported 993 mortgage applications totaling $185.4 million, down 28% from 2009. The average application was for $186,660, and applicants reported an average income of $109,117. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Tulsa, OK (928), Oklahoma City, OK (12) and College Station-Bryan, TX (1) (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 | 993 |
| Total Mortgage Loan Application Amount | $185,354,000 |
| Average Mortgage Loan Application Amount | $186,660 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $109,117 |
| Highest Applicant Income | $4,229,000 |
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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 747 | $ 142,223,000 | $ 190,392 | $ 109,000 |
| Rogers, Oklahoma | 98 | $ 16,883,000 | $ 172,275 | $ 82,000 |
| Wagoner, Oklahoma | 39 | $ 6,693,000 | $ 171,615 | $ 78,000 |
| Creek, Oklahoma | 21 | $ 3,043,000 | $ 144,904 | $ 76,000 |
| Osage, Oklahoma | 19 | $ 2,873,000 | $ 151,210 | $ 74,000 |
| Mayes, Oklahoma | 13 | $ 1,921,000 | $ 147,769 | $ 125,000 |
| Delaware, Oklahoma | 11 | $ 3,086,000 | $ 280,545 | $ 255,000 |
| Oklahoma, Oklahoma | 7 | $ 2,096,000 | $ 299,428 | $ 67,000 |
| Kay, Oklahoma | 5 | $ 668,000 | $ 133,600 | $ 81,000 |
| Payne, Oklahoma | 4 | $ 257,000 | $ 64,250 | $ 125,000 |
| Cleveland, Oklahoma | 3 | $ 326,000 | $ 108,666 | $ 61,000 |
| Okmulgee, Oklahoma | 3 | $ 181,000 | $ 60,333 | $ 150,000 |
| Canadian, Oklahoma | 2 | $ 708,000 | $ 354,000 | $ 134,000 |
| Cherokee, Oklahoma | 2 | $ 195,000 | $ 97,500 | $ 53,000 |
| Muskogee, Oklahoma | 2 | $ 365,000 | $ 182,500 | $ 59,000 |
| Washington, Oklahoma | 2 | $ 270,000 | $ 135,000 | $ 24,000 |
| Cherokee, Texas | 2 | $ 124,000 | $ 62,000 | $ 65,000 |
| Hinsdale, Colorado | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Sedgwick, Kansas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Greene, Missouri | 1 | $ 375,000 | $ 375,000 | $ 289,000 |
| Jackson, Missouri | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Taney, Missouri | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Haskell, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 167,000 |
| McIntosh, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 616,000 |
| Nowata, Oklahoma | 1 | $ 132,000 | $ 132,000 | $ 51,000 |
| Pawnee, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Stephens, Oklahoma | 1 | $ 142,000 | $ 142,000 | $ 96,000 |
| Brazos, Texas | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Dallas, Texas | 1 | $ 1,002,000 | $ 1,002,000 | $ 4,229,000 |
| Harris, Texas | 1 | $ 417,000 | $ 417,000 | $ 310,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2010
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 | 591 | $107,846,000 | $182,000 | $1,678,000 | $93,000 | $1,140,000 |
| Refinancing | 381 | $77,172,000 | $202,000 | $2,000,000 | $136,000 | $4,229,000 |
| Home Improvement | 21 | $336,000 | $16,000 | $75,000 | $75,000 | $205,000 |
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 | 821 | $153,340,000 | $186,000 | $2,000,000 | $114,000 | $4,229,000 |
| American Indian or Alaskan Native | 112 | $18,756,000 | $167,000 | $370,000 | $85,000 | $404,000 |
| Hispanic | 19 | $3,140,000 | $165,000 | $403,000 | $98,000 | $462,000 |
| Black or African American | 15 | $2,627,000 | $175,000 | $417,000 | $113,000 | $366,000 |
| Not applicable | 15 | $5,624,000 | $374,000 | $1,400,000 | $19,000 | $205,000 |
| Asian | 11 | $1,867,000 | $169,000 | $356,000 | $96,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 598 | $123,264,000 | $206,000 | $2,000,000 | $137,000 | $4,229,000 |
| FHA-insured (Federal Housing Administration) | 307 | $47,878,000 | $155,000 | $303,000 | $68,000 | $331,000 |
| VA-guaranteed (Veterans Administration) | 48 | $8,424,000 | $175,000 | $370,000 | $75,000 | $246,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $5,788,000 | $144,000 | $192,000 | $50,000 | $79,000 |
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 | $146,583,000 | $184,000 | $2,000,000 | $111,000 | $4,229,000 |
| Application Approved But Not Accepted | 66 | $11,748,000 | $178,000 | $417,000 | $91,000 | $445,000 |
| Application Denied By Financial Institution | 66 | $14,131,000 | $214,000 | $1,325,000 | $94,000 | $723,000 |
| Application Withdrawn By Applicant | 58 | $9,527,000 | $164,000 | $900,000 | $99,000 | $367,000 |
| File Closed For Incompleteness | 9 | $3,365,000 | $373,000 | $1,678,000 | $249,000 | $1,140,000 |
| 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 2010 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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