F&M Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, F&M Bank & Trust of Tulsa, OK reported 1,367 mortgage applications totaling $314.6 million, up 90% from 2011. The average application was for $230,149, and applicants reported an average income of $148,229. 75% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Tulsa, OK (923), Oklahoma City, OK (233) and Dallas-Plano-Irving, TX (102) (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 | 1,367 |
| Total Mortgage Loan Application Amount | $314,614,000 |
| Average Mortgage Loan Application Amount | $230,149 |
| Highest Mortgage Loan Application Amount | $4,926,000 |
| Average Applicant Income | $148,229 |
| Highest Applicant Income | $6,319,000 |
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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 760 | $ 177,762,000 | $ 233,897 | $ 143,000 |
| Oklahoma, Oklahoma | 143 | $ 23,580,000 | $ 164,895 | $ 93,000 |
| Rogers, Oklahoma | 78 | $ 14,871,000 | $ 190,653 | $ 88,000 |
| Dallas, Texas | 72 | $ 25,091,000 | $ 348,486 | $ 243,000 |
| Canadian, Oklahoma | 56 | $ 9,167,000 | $ 163,696 | $ 76,000 |
| Wagoner, Oklahoma | 38 | $ 5,409,000 | $ 142,342 | $ 78,000 |
| Creek, Oklahoma | 18 | $ 4,075,000 | $ 226,388 | $ 137,000 |
| Collin, Texas | 18 | $ 4,484,000 | $ 249,111 | $ 136,000 |
| Cleveland, Oklahoma | 16 | $ 3,056,000 | $ 191,000 | $ 80,000 |
| Delaware, Oklahoma | 16 | $ 4,458,000 | $ 278,625 | $ 441,000 |
| Osage, Oklahoma | 14 | $ 2,919,000 | $ 208,500 | $ 310,000 |
| Logan, Oklahoma | 12 | $ 1,925,000 | $ 160,416 | $ 91,000 |
| Okmulgee, Oklahoma | 12 | $ 951,000 | $ 79,250 | $ 46,000 |
| Denton, Texas | 9 | $ 2,558,000 | $ 284,222 | $ 297,000 |
| Mayes, Oklahoma | 8 | $ 1,664,000 | $ 208,000 | $ 141,000 |
| Tarrant, Texas | 8 | $ 5,191,000 | $ 648,875 | $ 275,000 |
| Harris, Texas | 5 | $ 1,201,000 | $ 240,200 | $ 203,000 |
| Grady, Oklahoma | 4 | $ 850,000 | $ 212,500 | $ 64,000 |
| Muskogee, Oklahoma | 4 | $ 764,000 | $ 191,000 | $ 166,000 |
| Payne, Oklahoma | 4 | $ 511,000 | $ 127,750 | $ 133,000 |
| Pottawatomie, Oklahoma | 4 | $ 621,000 | $ 155,250 | $ 69,000 |
| Washington, Oklahoma | 4 | $ 652,000 | $ 163,000 | $ 64,000 |
| Craig, Oklahoma | 3 | $ 346,000 | $ 115,333 | $ 82,000 |
| Pawnee, Oklahoma | 3 | $ 457,000 | $ 152,333 | $ 57,000 |
| Travis, Texas | 3 | $ 1,621,000 | $ 540,333 | $ 72,000 |
| Wood, Texas | 3 | $ 1,010,000 | $ 336,666 | $ 245,000 |
| Archuleta, Colorado | 2 | $ 600,000 | $ 300,000 | $ 551,000 |
| Honolulu, Hawaii | 2 | $ 2,499,000 | $ 1,249,500 | $ 858,000 |
| Sedgwick, Kansas | 2 | $ 324,000 | $ 162,000 | $ 79,000 |
| Custer, Oklahoma | 2 | $ 415,000 | $ 207,500 | $ 99,000 |
| Garfield, Oklahoma | 2 | $ 326,000 | $ 163,000 | $ 48,000 |
| Kay, Oklahoma | 2 | $ 227,000 | $ 113,500 | $ 68,000 |
| Kingfisher, Oklahoma | 2 | $ 489,000 | $ 244,500 | $ 94,000 |
| McClain, Oklahoma | 2 | $ 427,000 | $ 213,500 | $ 29,000 |
| McIntosh, Oklahoma | 2 | $ 192,000 | $ 96,000 | $ 43,000 |
| Okfuskee, Oklahoma | 2 | $ 373,000 | $ 186,500 | $ 125,000 |
| Pittsburg, Oklahoma | 2 | $ 152,000 | $ 76,000 | $ 69,000 |
| Cooke, Texas | 2 | $ 1,388,000 | $ 694,000 | $ 840,000 |
| Kaufman, Texas | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Montgomery, Texas | 2 | $ 2,123,000 | $ 1,061,500 | $ 1,048,000 |
| Houston, Alabama | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Carroll, Arkansas | 1 | $ 160,000 | $ 160,000 | $ 123,000 |
| Crawford, Arkansas | 1 | $ 206,000 | $ 206,000 | $ 67,000 |
| Pulaski, Arkansas | 1 | $ 213,000 | $ 213,000 | $ 291,000 |
| Washington, Arkansas | 1 | $ 1,200,000 | $ 1,200,000 | $ 762,000 |
| Denver, Colorado | 1 | $ 296,000 | $ 296,000 | $ 110,000 |
| La Plata, Colorado | 1 | $ 412,000 | $ 412,000 | $ 495,000 |
| Pitkin, Colorado | 1 | $ 650,000 | $ 650,000 | $ 1,259,000 |
| Okaloosa, Florida | 1 | $ 279,000 | $ 279,000 | $ 150,000 |
| McPherson, Kansas | 1 | $ 320,000 | $ 320,000 | $ 199,000 |
| Santa Fe, New Mexico | 1 | $ 748,000 | $ 748,000 | $ 0 |
| Adair, Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Caddo, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Garvin, Oklahoma | 1 | $ 81,000 | $ 81,000 | $ 44,000 |
| Marshall, Oklahoma | 1 | $ 71,000 | $ 71,000 | $ 115,000 |
| Seminole, Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 42,000 |
| Woodward, Oklahoma | 1 | $ 136,000 | $ 136,000 | $ 47,000 |
| Grayson, Texas | 1 | $ 210,000 | $ 210,000 | $ 80,000 |
| Henderson, Texas | 1 | $ 800,000 | $ 800,000 | $ 984,000 |
| Johnson, Texas | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Lamar, Texas | 1 | $ 107,000 | $ 107,000 | $ 26,000 |
| Navarro, Texas | 1 | $ 2,980,000 | $ 2,980,000 | $ 6,319,000 |
| Palo Pinto, Texas | 1 | $ 79,000 | $ 79,000 | $ 117,000 |
| Rockwall, Texas | 1 | $ 190,000 | $ 190,000 | $ 0 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2012
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 | 764 | $148,534,000 | $194,000 | $3,075,000 | $118,000 | $3,088,000 |
| Refinancing | 568 | $163,562,000 | $287,000 | $4,926,000 | $191,000 | $6,319,000 |
| Home Improvement | 35 | $2,518,000 | $71,000 | $1,250,000 | $114,000 | $1,471,000 |
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 | 1,126 | $268,160,000 | $238,000 | $4,926,000 | $164,000 | $6,319,000 |
| American Indian or Alaskan Native | 131 | $20,797,000 | $158,000 | $417,000 | $74,000 | $340,000 |
| Not applicable | 44 | $15,105,000 | $343,000 | $4,450,000 | $0 | $0 |
| Hispanic | 25 | $3,932,000 | $157,000 | $399,000 | $71,000 | $227,000 |
| Black or African American | 19 | $2,505,000 | $131,000 | $298,000 | $218,000 | $1,805,000 |
| Asian | 17 | $3,403,000 | $200,000 | $360,000 | $111,000 | $650,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $379,000 | $126,000 | $191,000 | $49,000 | $60,000 |
| Not Provided | 2 | $333,000 | $166,000 | $212,000 | $20,000 | $41,000 |
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) | 946 | $247,308,000 | $261,000 | $4,926,000 | $184,000 | $6,319,000 |
| FHA-insured (Federal Housing Administration) | 317 | $48,668,000 | $153,000 | $303,000 | $70,000 | $480,000 |
| VA-guaranteed (Veterans Administration) | 65 | $13,641,000 | $209,000 | $598,000 | $63,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,997,000 | $128,000 | $209,000 | $45,000 | $66,000 |
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 | 1,021 | $228,487,000 | $223,000 | $4,926,000 | $153,000 | $6,319,000 |
| Application Withdrawn By Applicant | 132 | $38,215,000 | $289,000 | $4,000,000 | $184,000 | $1,805,000 |
| Application Denied By Financial Institution | 124 | $27,057,000 | $218,000 | $2,300,000 | $96,000 | $601,000 |
| Application Approved But Not Accepted | 61 | $14,650,000 | $240,000 | $1,200,000 | $138,000 | $1,095,000 |
| File Closed For Incompleteness | 17 | $5,299,000 | $311,000 | $1,020,000 | $123,000 | $420,000 |
| Loan Purchased By The Institution | 12 | $906,000 | $75,000 | $100,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $20,000 | $20,000 | $20,000 | $109,000 | $109,000 |
| Collateral | 1 | $159,000 | $159,000 | $159,000 | $113,000 | $113,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $19,000 | $19,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank & Trust's 2012 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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