F&M Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
F&M Bank & Trust 2013 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 1,256 |
| Total Mortgage Loan Application Amount | $267,548,000 |
| Average Mortgage Loan Application Amount | $197,666 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $151,666 |
| Highest Applicant Income | $5,874,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with F&M Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing F&M Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down F&M Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how F&M Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by F&M Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at F&M Bank & Trust's mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa County Oklahoma | 611 | $ 134,244,000 | $ 219,000 | $ 164,000 |
| Dallas County Texas | 126 | $ 34,052,000 | $ 270,000 | $ 127,000 |
| Oklahoma County Oklahoma | 112 | $ 18,729,000 | $ 167,000 | $ 84,000 |
| Rogers County Oklahoma | 62 | $ 13,236,000 | $ 213,000 | $ 93,000 |
| Canadian County Oklahoma | 46 | $ 7,363,000 | $ 160,000 | $ 67,000 |
| Wagoner County Oklahoma | 34 | $ 5,794,000 | $ 170,000 | $ 75,000 |
| Collin County Texas | 28 | $ 6,180,000 | $ 220,000 | $ 131,000 |
| Tarrant County Texas | 28 | $ 11,679,000 | $ 417,000 | $ 195,000 |
| Cleveland County Oklahoma | 22 | $ 2,967,000 | $ 134,000 | $ 59,000 |
| Okmulgee County Oklahoma | 22 | $ 2,817,000 | $ 128,000 | $ 73,000 |
| Creek County Oklahoma | 18 | $ 3,231,000 | $ 179,000 | $ 117,000 |
| Osage County Oklahoma | 15 | $ 1,710,000 | $ 114,000 | $ 77,000 |
| Denton County Texas | 14 | $ 3,030,000 | $ 216,000 | $ 158,000 |
| Logan County Oklahoma | 9 | $ 1,450,000 | $ 161,000 | $ 66,000 |
| Pottawatomie County Oklahoma | 9 | $ 1,197,000 | $ 133,000 | $ 66,000 |
| Ellis County Texas | 9 | $ 2,021,000 | $ 224,000 | $ 109,000 |
| Delaware County Oklahoma | 8 | $ 1,465,000 | $ 183,000 | $ 141,000 |
| McClain County Oklahoma | 7 | $ 1,074,000 | $ 153,000 | $ 59,000 |
| Grady County Oklahoma | 6 | $ 883,000 | $ 147,000 | $ 74,000 |
| Mayes County Oklahoma | 6 | $ 1,425,000 | $ 237,000 | $ 70,000 |
| Harris County Texas | 5 | $ 1,251,000 | $ 250,000 | $ 130,000 |
| Pittsburg County Oklahoma | 4 | $ 816,000 | $ 204,000 | $ 231,000 |
| Travis County Texas | 4 | $ 773,000 | $ 193,000 | $ 110,000 |
| Kay County Oklahoma | 3 | $ 268,000 | $ 89,000 | $ 47,000 |
| Payne County Oklahoma | 3 | $ 354,000 | $ 118,000 | $ 88,000 |
| Seminole County Oklahoma | 3 | $ 397,000 | $ 132,000 | $ 52,000 |
| Kaufman County Texas | 3 | $ 489,000 | $ 163,000 | $ 106,000 |
| Montgomery County Texas | 3 | $ 869,000 | $ 289,000 | $ 279,000 |
| Cherokee County Oklahoma | 2 | $ 225,000 | $ 112,000 | $ 94,000 |
| Okfuskee County Oklahoma | 2 | $ 143,000 | $ 71,000 | $ 43,000 |
| Woodward County Oklahoma | 2 | $ 253,000 | $ 126,000 | $ 35,000 |
| Bexar County Texas | 2 | $ 284,000 | $ 142,000 | $ 102,000 |
| Crawford County Arkansas | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| Eagle County Colorado | 1 | $ 590,000 | $ 590,000 | $ 388,000 |
| Sedgwick County Kansas | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Fayette County Kentucky | 1 | $ 214,000 | $ 214,000 | $ 110,000 |
| Caddo County Louisiana | 1 | $ 403,000 | $ 403,000 | $ 120,000 |
| Middlesex County Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 855,000 |
| Clark County Nevada | 1 | $ 200,000 | $ 200,000 | $ 159,000 |
| Jackson County North Carolina | 1 | $ 407,000 | $ 407,000 | $ 248,000 |
| Beckham County Oklahoma | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
| Comanche County Oklahoma | 1 | $ 178,000 | $ 178,000 | $ 122,000 |
| Craig County Oklahoma | 1 | $ 398,000 | $ 398,000 | $ 505,000 |
| Garvin County Oklahoma | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Hughes County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Latimer County Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Lincoln County Oklahoma | 1 | $ 57,000 | $ 57,000 | $ 51,000 |
| McIntosh County Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 188,000 |
| Muskogee County Oklahoma | 1 | $ 248,000 | $ 248,000 | $ 173,000 |
| Ottawa County Oklahoma | 1 | $ 7,000 | $ 7,000 | $ 57,000 |
| Stephens County Oklahoma | 1 | $ 176,000 | $ 176,000 | $ 112,000 |
| Washington County Oklahoma | 1 | $ 840,000 | $ 840,000 | $ 273,000 |
| Fayette County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 225,000 |
| Gonzales County Texas | 1 | $ 94,000 | $ 94,000 | $ 91,000 |
| Guadalupe County Texas | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Henderson County Texas | 1 | $ 344,000 | $ 344,000 | $ 873,000 |
| Hood County Texas | 1 | $ 242,000 | $ 242,000 | $ 770,000 |
| Rockwall County Texas | 1 | $ 190,000 | $ 190,000 | $ 209,000 |
| Smith County Texas | 1 | $ 80,000 | $ 80,000 | $ 25,000 |
| Wood County Texas | 1 | $ 275,000 | $ 275,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for F&M Bank & Trust in 2013
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 | 811 | $163,814,000 | $201,000 | $4,000,000 | $116,000 | $5,874,000 |
| Refinancing | 378 | $94,131,000 | $249,000 | $4,000,000 | $169,000 | $2,524,000 |
| Home Improvement | 67 | $9,603,000 | $143,000 | $1,540,000 | $170,000 | $2,078,000 |
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 | 994 | $219,446,000 | $220,000 | $4,000,000 | $153,000 | $5,874,000 |
| American Indian or Alaskan Native | 72 | $10,188,000 | $141,000 | $303,000 | $74,000 | $328,000 |
| Hispanic | 59 | $7,650,000 | $129,000 | $405,000 | $65,000 | $662,000 |
| Not applicable | 55 | $19,231,000 | $349,000 | $3,000,000 | $42,000 | $1,587,000 |
| Black or African American | 36 | $4,144,000 | $115,000 | $377,000 | $66,000 | $405,000 |
| Asian | 27 | $4,705,000 | $174,000 | $490,000 | $87,000 | $299,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,654,000 | $183,000 | $527,000 | $88,000 | $324,000 |
| Not Provided | 4 | $530,000 | $132,000 | $256,000 | $76,000 | $168,000 |
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) | 911 | $214,391,000 | $235,000 | $4,000,000 | $162,000 | $5,874,000 |
| FHA-insured (Federal Housing Administration) | 249 | $36,219,000 | $145,000 | $303,000 | $62,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 61 | $12,105,000 | $198,000 | $668,000 | $84,000 | $551,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,833,000 | $138,000 | $267,000 | $51,000 | $94,000 |
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 | 862 | $177,315,000 | $205,000 | $4,000,000 | $139,000 | $5,874,000 |
| Application Denied By Financial Institution | 162 | $26,360,000 | $162,000 | $1,190,000 | $75,000 | $388,000 |
| Application Withdrawn By Applicant | 140 | $39,448,000 | $281,000 | $4,000,000 | $167,000 | $2,150,000 |
| Application Approved But Not Accepted | 42 | $7,435,000 | $177,000 | $820,000 | $108,000 | $442,000 |
| File Closed For Incompleteness | 41 | $16,493,000 | $402,000 | $2,500,000 | $227,000 | $881,000 |
| Loan Purchased By The Institution | 9 | $497,000 | $55,000 | $63,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $89,000 | $89,000 | $89,000 | $20,000 | $20,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank & Trust's 2013 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.