F&M Bank in Oklahoma vs the state
3.3%Denial rate-14.59 pts vs state
3.7%Decision denial rate-19.14 pts vs state
83.1%Origination rate+26.96 pts vs state
6.88%Median rate+0.25 pts vs state
0.21Rate spread (pts)-0.14 pts vs state
$114kMedian applicant income
299Loans originated
12Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 424 | 322 | 5.4% | 6.75% | #64 |
| 2024 | 439 | 355 | 3.0% | 6.88% | #62 |
| 2025 | 360 | 299 | 3.3% | 6.88% | #80 |
What F&M Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most F&M Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 135 | 114 | 3 | 2.2% |
| Canadian County | 73 | 60 | 2 | 2.7% |
| Logan County | 46 | 34 | 3 | 6.5% |
| Kay County | 19 | 15 | 1 | 5.3% |
| Cleveland County | 16 | 15 | 0 | 0.0% |
| Kingfisher County | 15 | 12 | 1 | 6.7% |
| Grady County | 11 | 10 | 0 | 0.0% |
| Texas County | 6 | 5 | 0 | 0.0% |
| McIntosh County | 3 | 3 | 0 | 0.0% |
| Carter County | 3 | 2 | 1 | 33.3% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 360 applications in 2025, of which 299 were originated and 12 denied.
3.3% of all applications, or 3.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans F&M Bank originated in Oklahoma in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are F&M Bank's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology