F&M Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
F&M Bank 2020 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 17100 N May Ave Edmond, OK 73012 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,401 |
| Total Mortgage Loan Application Amount | $302,315,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $161,600 |
| Highest Applicant Income | $2,272,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with F&M Bank. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down F&M Bank'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by F&M Bank, 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's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma County Oklahoma | 406 | $ 101,220,000 | $ 249,000 | $ 140,000 |
| Canadian County Oklahoma | 273 | $ 56,845,000 | $ 208,000 | $ 98,000 |
| Logan County Oklahoma | 80 | $ 17,220,000 | $ 215,000 | $ 104,000 |
| Cleveland County Oklahoma | 64 | $ 14,020,000 | $ 219,000 | $ 117,000 |
| Kingfisher County Oklahoma | 55 | $ 12,365,000 | $ 224,000 | $ 156,000 |
| Mayes County Oklahoma | 55 | $ 9,545,000 | $ 173,000 | $ 97,000 |
| Carter County Oklahoma | 34 | $ 7,030,000 | $ 206,000 | $ 109,000 |
| Grady County Oklahoma | 32 | $ 7,730,000 | $ 241,000 | $ 119,000 |
| Texas County Oklahoma | 29 | $ 4,855,000 | $ 167,000 | $ 85,000 |
| McClain County Oklahoma | 26 | $ 5,750,000 | $ 221,000 | $ 101,000 |
| Kay County Oklahoma | 24 | $ 3,520,000 | $ 146,000 | $ 68,000 |
| Tulsa County Oklahoma | 19 | $ 4,055,000 | $ 213,000 | $ 143,000 |
| Fannin County Texas | 19 | $ 3,535,000 | $ 186,000 | $ 105,000 |
| Rogers County Oklahoma | 18 | $ 3,200,000 | $ 177,000 | $ 87,000 |
| Garfield County Oklahoma | 11 | $ 1,895,000 | $ 172,000 | $ 80,000 |
| Erath County Texas | 11 | $ 2,475,000 | $ 225,000 | $ 158,000 |
| Hughes County Oklahoma | 10 | $ 1,140,000 | $ 114,000 | $ 93,000 |
| Pottawatomie County Oklahoma | 10 | $ 2,560,000 | $ 256,000 | $ 145,000 |
| Delaware County Oklahoma | 9 | $ 1,815,000 | $ 201,000 | $ 114,000 |
| Eddy County New Mexico | 7 | $ 1,655,000 | $ 236,000 | $ 77,000 |
| Craig County Oklahoma | 7 | $ 835,000 | $ 119,000 | $ 68,000 |
| Love County Oklahoma | 7 | $ 1,195,000 | $ 170,000 | $ 98,000 |
| Murray County Oklahoma | 7 | $ 1,475,000 | $ 210,000 | $ 97,000 |
| Cherokee County Oklahoma | 6 | $ 1,380,000 | $ 230,000 | $ 118,000 |
| Marshall County Oklahoma | 6 | $ 1,160,000 | $ 193,000 | $ 91,000 |
| Woodward County Oklahoma | 6 | $ 900,000 | $ 150,000 | $ 58,000 |
| Tom Green County Texas | 6 | $ 830,000 | $ 138,000 | $ 56,000 |
| Travis County Texas | 6 | $ 1,720,000 | $ 286,000 | $ 132,000 |
| Jackson County Oklahoma | 5 | $ 1,025,000 | $ 205,000 | $ 186,000 |
| Osage County Oklahoma | 5 | $ 675,000 | $ 135,000 | $ 43,000 |
| Ottawa County Oklahoma | 5 | $ 975,000 | $ 195,000 | $ 89,000 |
| Pittsburg County Oklahoma | 5 | $ 1,035,000 | $ 207,000 | $ 166,000 |
| Comanche County Oklahoma | 4 | $ 830,000 | $ 207,000 | $ 196,000 |
| Le Flore County Oklahoma | 4 | $ 680,000 | $ 170,000 | $ 73,000 |
| Payne County Oklahoma | 4 | $ 760,000 | $ 190,000 | $ 116,000 |
| Woods County Oklahoma | 4 | $ 510,000 | $ 127,000 | $ 63,000 |
| Denton County Texas | 4 | $ 1,160,000 | $ 290,000 | $ 185,000 |
| Tarrant County Texas | 4 | $ 750,000 | $ 187,000 | $ 69,000 |
| Harper County Kansas | 3 | $ 315,000 | $ 105,000 | $ 98,000 |
| Caddo County Oklahoma | 3 | $ 435,000 | $ 145,000 | $ 51,000 |
| Creek County Oklahoma | 3 | $ 465,000 | $ 155,000 | $ 834,000 |
| Harmon County Oklahoma | 3 | $ 365,000 | $ 121,000 | $ 138,000 |
| Kiowa County Oklahoma | 3 | $ 365,000 | $ 121,000 | $ 158,000 |
| Seminole County Oklahoma | 3 | $ 425,000 | $ 141,000 | $ 88,000 |
| Bastrop County Texas | 3 | $ 675,000 | $ 225,000 | $ 53,000 |
| Brown County Texas | 3 | $ 535,000 | $ 178,000 | $ 96,000 |
| Collin County Texas | 3 | $ 875,000 | $ 291,000 | $ 265,000 |
| Nueces County Texas | 3 | $ 615,000 | $ 205,000 | $ 94,000 |
| Taylor County Texas | 3 | $ 475,000 | $ 158,000 | $ 53,000 |
| Montgomery County Arkansas | 2 | $ 630,000 | $ 315,000 | $ 249,000 |
| Lake County Florida | 2 | $ 230,000 | $ 115,000 | $ 56,000 |
| Dubuque County Iowa | 2 | $ 470,000 | $ 235,000 | $ 102,000 |
| Colfax County New Mexico | 2 | $ 550,000 | $ 275,000 | $ 146,000 |
| Alfalfa County Oklahoma | 2 | $ 310,000 | $ 155,000 | $ 40,000 |
| Beckham County Oklahoma | 2 | $ 350,000 | $ 175,000 | $ 118,000 |
| Garvin County Oklahoma | 2 | $ 380,000 | $ 190,000 | $ 257,000 |
| Haskell County Oklahoma | 2 | $ 440,000 | $ 220,000 | $ 71,000 |
| Lincoln County Oklahoma | 2 | $ 480,000 | $ 240,000 | $ 97,000 |
| Major County Oklahoma | 2 | $ 260,000 | $ 130,000 | $ 142,000 |
| Muskogee County Oklahoma | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
| Nowata County Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 107,000 |
| Sequoyah County Oklahoma | 2 | $ 400,000 | $ 200,000 | $ 132,000 |
| Stephens County Oklahoma | 2 | $ 520,000 | $ 260,000 | $ 130,000 |
| Tillman County Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 36,000 |
| Wagoner County Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Washington County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 67,000 |
| Comanche County Texas | 2 | $ 160,000 | $ 80,000 | $ 48,000 |
| Eastland County Texas | 2 | $ 360,000 | $ 180,000 | $ 62,000 |
| Fort Bend County Texas | 2 | $ 530,000 | $ 265,000 | $ 93,000 |
| Gregg County Texas | 2 | $ 370,000 | $ 185,000 | $ 49,000 |
| Hansford County Texas | 2 | $ 200,000 | $ 100,000 | $ 62,000 |
| Harris County Texas | 2 | $ 360,000 | $ 180,000 | $ 98,000 |
| Smith County Texas | 2 | $ 640,000 | $ 320,000 | $ 188,000 |
| Baldwin County Alabama | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| Lee County Alabama | 1 | $ 225,000 | $ 225,000 | $ 172,000 |
| Benton County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Cross County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Garland County Arkansas | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Los Angeles County California | 1 | $ 45,000 | $ 45,000 | $ 301,000 |
| Yuba County California | 1 | $ 405,000 | $ 405,000 | $ 81,000 |
| Douglas County Colorado | 1 | $ 355,000 | $ 355,000 | $ 155,000 |
| El Paso County Colorado | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Jefferson County Colorado | 1 | $ 275,000 | $ 275,000 | $ 138,000 |
| Teller County Colorado | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| District of Columbia County District Of Columbia | 1 | $ 235,000 | $ 235,000 | $ 175,000 |
| Broward County Florida | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Escambia County Florida | 1 | $ 145,000 | $ 145,000 | $ 142,000 |
| DeKalb County Georgia | 1 | $ 265,000 | $ 265,000 | $ 35,000 |
| Valley County Idaho | 1 | $ 305,000 | $ 305,000 | $ 152,000 |
| Bryan County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Okmulgee County Oklahoma | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Washita County Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Klamath County Oregon | 1 | $ 185,000 | $ 185,000 | $ 213,000 |
| Marion County Oregon | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Jasper County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Richland County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Callahan County Texas | 1 | $ 395,000 | $ 395,000 | $ 177,000 |
| Concho County Texas | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Dallas County Texas | 1 | $ 455,000 | $ 455,000 | $ 97,000 |
| Grayson County Texas | 1 | $ 335,000 | $ 335,000 | $ 117,000 |
| Hamilton County Texas | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Kerr County Texas | 1 | $ 115,000 | $ 115,000 | $ 198,000 |
| McLennan County Texas | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Young County Texas | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Fairfax County Virginia | 1 | $ 345,000 | $ 345,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for F&M Bank in 2020
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 | 619 | $126,565,000 | $204,000 | $585,000 | $96,000 | $829,000 |
| Refinancing | 563 | $130,175,000 | $231,000 | $1,175,000 | $130,000 | $1,296,000 |
| Cash-out Refinancing | 202 | $44,170,000 | $218,000 | $665,000 | $143,000 | $2,272,000 |
| Home Improvement | 11 | $675,000 | $61,000 | $95,000 | $110,000 | $202,000 |
| Other Purpose | 6 | $730,000 | $121,000 | $615,000 | $329,000 | $1,296,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,068 | $235,230,000 | $220,000 | $1,175,000 | $120,000 | $1,296,000 |
| American Indian or Alaskan Native | 100 | $18,650,000 | $186,000 | $515,000 | $91,000 | $384,000 |
| Not Provided | 79 | $17,955,000 | $227,000 | $965,000 | $145,000 | $2,272,000 |
| Hispanic | 59 | $12,315,000 | $208,000 | $515,000 | $88,000 | $231,000 |
| Asian | 33 | $6,515,000 | $197,000 | $455,000 | $112,000 | $298,000 |
| Black or African American | 26 | $4,970,000 | $191,000 | $515,000 | $100,000 | $301,000 |
| Not applicable | 24 | $2,850,000 | $118,000 | $795,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $625,000 | $208,000 | $315,000 | $94,000 | $163,000 |
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) | 1,113 | $244,455,000 | $219,000 | $1,175,000 | $127,000 | $2,272,000 |
| FHA-insured (Federal Housing Administration) | 144 | $24,860,000 | $172,000 | $365,000 | $68,000 | $159,000 |
| VA-guaranteed (Veterans Administration) | 107 | $27,575,000 | $257,000 | $665,000 | $108,000 | $650,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,425,000 | $146,000 | $265,000 | $53,000 | $90,000 |
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 | 1,074 | $235,450,000 | $219,000 | $1,175,000 | $118,000 | $1,296,000 |
| Application Approved But Not Accepted | 195 | $41,955,000 | $215,000 | $965,000 | $116,000 | $807,000 |
| Application Denied By Financial Institution | 113 | $19,805,000 | $175,000 | $515,000 | $107,000 | $2,272,000 |
| Application Withdrawn By Applicant | 19 | $5,105,000 | $268,000 | $515,000 | $177,000 | $396,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,288 | $282,510,000 | $219,000 | $1,175,000 | $119,000 | $1,296,000 |
| Debt-To-Income Ratio | 42 | $7,210,000 | $171,000 | $425,000 | $74,000 | $225,000 |
| Credit History | 36 | $6,090,000 | $169,000 | $515,000 | $94,000 | $192,000 |
| Other | 12 | $1,440,000 | $120,000 | $275,000 | $266,000 | $2,272,000 |
| Collateral | 12 | $2,790,000 | $232,000 | $515,000 | $125,000 | $475,000 |
| Unverifiable Information | 5 | $975,000 | $195,000 | $225,000 | $61,000 | $96,000 |
| Employment History | 5 | $895,000 | $179,000 | $295,000 | $72,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $405,000 | $405,000 | $405,000 | $192,000 | $192,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank's 2020 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'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.