F&M Bank (Oklahoma) mortgage approval rate & lending review
F&M Bank (Oklahoma) decided 700 mortgage applications and funded 660 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions F&M Bank (Oklahoma) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
F&M Bank (Oklahoma) at a glance
Approval is 13.2 points above the 83.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 412 / 420 | 98% | $265K | 402 |
| Cash-out refinance | 91% | 29 / 32 | 100% | $165K | 29 |
| Refinance | 93% | 55 / 59 | 98% | $315K | 54 |
| Investment property purchase | 97% | 92 / 95 | 93% | $155K | 86 |
| Investment cash-out refinance | 96% | 25 / 26 | 96% | $125K | 24 |
| Investment refinance | 96% | 48 / 50 | 100% | $115K | 48 |
F&M Bank (Oklahoma) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 97% | $265K | 671 | 634 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where F&M Bank (Oklahoma) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Mortgage lenders | 98% | 201 | 191 |
| Canadian County, OK | Mortgage lenders | 99% | 155 | 149 |
| Oklahoma County, OK | Investment property purchase | 96% | 75 | 67 |
| Cleveland County, OK | Mortgage lenders | 98% | 42 | 41 |
| Oklahoma County, OK | Investment refinance | 95% | 39 | 37 |
| Oklahoma County, OK | Refinance | 97% | 29 | 28 |
| Canadian County, OK | Refinance | 96% | 24 | 22 |
The county markets where F&M Bank (Oklahoma) made the most loans. Each link opens that market with every lender ranked.
Questions about F&M Bank (Oklahoma)
What is F&M Bank (Oklahoma)'s mortgage approval rate?
F&M Bank (Oklahoma) approved 97.0% of the 700 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan F&M Bank (Oklahoma) offers?
Borrowers accepted 97% of the loans F&M Bank (Oklahoma) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does F&M Bank (Oklahoma) make?
The typical home purchase mortgage loan F&M Bank (Oklahoma) made was $265K; across all loan types its typical loan ran from $115K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does F&M Bank (Oklahoma) lend?
F&M Bank (Oklahoma) decided applications in 9 of the states Fat Boy Data covers, most of them in Oklahoma, Texas and Florida.
Can I apply to F&M Bank (Oklahoma) directly?
Yes. F&M Bank (Oklahoma) is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show F&M Bank (Oklahoma)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how F&M Bank (Oklahoma) treats applications, then get a rate quote from the lender.