F&M Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, F&M Bank & Trust of Tulsa, OK reported 719 mortgage applications totaling $151.3 million, down 28% from 2010. The average application was for $210,470, and applicants reported an average income of $130,310. 76% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Tulsa, OK (620), Dallas-Plano-Irving, TX (40) and Oklahoma City, OK (9) (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 | 719 |
| Total Mortgage Loan Application Amount | $151,328,000 |
| Average Mortgage Loan Application Amount | $210,470 |
| Highest Mortgage Loan Application Amount | $4,400,000 |
| Average Applicant Income | $130,310 |
| Highest Applicant Income | $6,011,000 |
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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 491 | $ 95,437,000 | $ 194,372 | $ 129,000 |
| Rogers, Oklahoma | 76 | $ 12,495,000 | $ 164,407 | $ 88,000 |
| Dallas, Texas | 22 | $ 6,694,000 | $ 304,272 | $ 179,000 |
| Wagoner, Oklahoma | 21 | $ 2,948,000 | $ 140,380 | $ 88,000 |
| Osage, Oklahoma | 16 | $ 2,109,000 | $ 131,812 | $ 66,000 |
| Denton, Texas | 14 | $ 3,549,000 | $ 253,500 | $ 156,000 |
| Delaware, Oklahoma | 13 | $ 4,959,000 | $ 381,461 | $ 291,000 |
| Creek, Oklahoma | 10 | $ 2,352,000 | $ 235,200 | $ 120,000 |
| Payne, Oklahoma | 6 | $ 718,000 | $ 119,666 | $ 114,000 |
| Oklahoma, Oklahoma | 5 | $ 1,179,000 | $ 235,800 | $ 195,000 |
| Okmulgee, Oklahoma | 5 | $ 562,000 | $ 112,400 | $ 105,000 |
| Kay, Oklahoma | 4 | $ 398,000 | $ 99,500 | $ 58,000 |
| Johnson, Kansas | 3 | $ 1,046,000 | $ 348,666 | $ 300,000 |
| Cleveland, Oklahoma | 3 | $ 442,000 | $ 147,333 | $ 91,000 |
| Mayes, Oklahoma | 3 | $ 350,000 | $ 116,666 | $ 97,000 |
| Collin, Texas | 3 | $ 743,000 | $ 247,666 | $ 86,000 |
| Tarrant, Texas | 3 | $ 649,000 | $ 216,333 | $ 151,000 |
| Maricopa, Arizona | 2 | $ 4,505,000 | $ 2,252,500 | $ 986,000 |
| Sarasota, Florida | 1 | $ 4,400,000 | $ 4,400,000 | $ 926,000 |
| Decatur, Iowa | 1 | $ 2,353,000 | $ 2,353,000 | $ 0 |
| Sedgwick, Kansas | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Greene, Missouri | 1 | $ 248,000 | $ 248,000 | $ 287,000 |
| Jackson, Missouri | 1 | $ 207,000 | $ 207,000 | $ 208,000 |
| Grant, New Mexico | 1 | $ 125,000 | $ 125,000 | $ 102,000 |
| Adair, Oklahoma | 1 | $ 133,000 | $ 133,000 | $ 170,000 |
| Atoka, Oklahoma | 1 | $ 178,000 | $ 178,000 | $ 64,000 |
| Carter, Oklahoma | 1 | $ 303,000 | $ 303,000 | $ 196,000 |
| Craig, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Haskell, Oklahoma | 1 | $ 71,000 | $ 71,000 | $ 164,000 |
| Logan, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 160,000 |
| Marshall, Oklahoma | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Nowata, Oklahoma | 1 | $ 97,000 | $ 97,000 | $ 39,000 |
| Pawnee, Oklahoma | 1 | $ 44,000 | $ 44,000 | $ 44,000 |
| Washington, Oklahoma | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| Lamar, Texas | 1 | $ 80,000 | $ 80,000 | $ 25,000 |
| Rockwall, Texas | 1 | $ 911,000 | $ 911,000 | $ 248,000 |
| Taylor, Texas | 1 | $ 239,000 | $ 239,000 | $ 503,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2011
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 | 453 | $92,051,000 | $203,000 | $4,400,000 | $111,000 | $1,769,000 |
| Refinancing | 242 | $57,992,000 | $239,000 | $2,353,000 | $165,000 | $6,011,000 |
| Home Improvement | 24 | $1,285,000 | $53,000 | $275,000 | $145,000 | $1,000,000 |
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 | 543 | $114,930,000 | $211,000 | $4,400,000 | $142,000 | $6,011,000 |
| American Indian or Alaskan Native | 91 | $13,979,000 | $153,000 | $417,000 | $82,000 | $459,000 |
| Not applicable | 37 | $10,166,000 | $274,000 | $2,825,000 | $40,000 | $823,000 |
| Hispanic | 18 | $4,623,000 | $256,000 | $911,000 | $176,000 | $719,000 |
| Black or African American | 15 | $3,608,000 | $240,000 | $900,000 | $108,000 | $300,000 |
| Asian | 10 | $1,901,000 | $190,000 | $287,000 | $96,000 | $181,000 |
| Not Provided | 4 | $1,825,000 | $456,000 | $745,000 | $354,000 | $469,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $296,000 | $296,000 | $296,000 | $162,000 | $162,000 |
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) | 475 | $112,877,000 | $237,000 | $4,400,000 | $163,000 | $6,011,000 |
| FHA-insured (Federal Housing Administration) | 178 | $26,942,000 | $151,000 | $303,000 | $67,000 | $459,000 |
| VA-guaranteed (Veterans Administration) | 40 | $8,124,000 | $203,000 | $461,000 | $75,000 | $241,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,385,000 | $130,000 | $176,000 | $44,000 | $69,000 |
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 | 543 | $106,067,000 | $195,000 | $2,825,000 | $132,000 | $6,011,000 |
| Application Denied By Financial Institution | 80 | $18,043,000 | $225,000 | $1,210,000 | $93,000 | $719,000 |
| Application Approved But Not Accepted | 52 | $15,547,000 | $298,000 | $4,400,000 | $139,000 | $926,000 |
| Application Withdrawn By Applicant | 34 | $10,536,000 | $309,000 | $1,137,000 | $172,000 | $600,000 |
| Loan Purchased By The Institution | 6 | $330,000 | $55,000 | $61,000 | $0 | $0 |
| File Closed For Incompleteness | 4 | $805,000 | $201,000 | $417,000 | $329,000 | $1,005,000 |
| 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 2011 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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