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Act (HMDA) records F&M Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa, OK | 923 | $ 206,444,000 | $ 223,666 | $ 137,000 |
| Oklahoma City, OK | 233 | $ 39,005,000 | $ 167,403 | $ 87,000 |
| Dallas-Plano-Irving, TX | 102 | $ 32,457,000 | $ 318,205 | $ 222,000 |
| Fort Worth-Arlington, TX | 9 | $ 5,346,000 | $ 594,000 | $ 253,000 |
| Houston-Sugar Land-Baytown, TX | 7 | $ 3,324,000 | $ 474,857 | $ 445,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 1,621,000 | $ 540,333 | $ 72,000 |
| Honolulu, HI | 2 | $ 2,499,000 | $ 1,249,500 | $ 858,000 |
| Wichita, KS | 2 | $ 324,000 | $ 162,000 | $ 79,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 279,000 | $ 279,000 | $ 150,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 296,000 | $ 296,000 | $ 110,000 |
| Dothan, AL | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 1,200,000 | $ 1,200,000 | $ 762,000 |
| Fort Smith, AR-OK | 1 | $ 206,000 | $ 206,000 | $ 67,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 213,000 | $ 213,000 | $ 291,000 |
| Santa Fe, NM | 1 | $ 748,000 | $ 748,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 210,000 | $ 210,000 | $ 80,000 |
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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