F & M Bank has 302 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
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Report Card
F & M Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.0 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
246 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
FHA
40 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
283 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
Refinance
19 loans · 0.32% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 246 | 81.5% | +0.223%Above | $1,927Fees | ||||
FHA Loans | 40 | 13.2% | +0.594%Above | $2,692Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume246
Mix81.5%
Spread
+0.223%Above
Fees
$1,927Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume40
Mix13.2%
Spread
+0.594%Above
Fees
$2,692Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 283 | 93.7% | +0.277%Above | $2,094Fees | ||||
Refinance | — | 19 | 6.3% | +0.317%Above | $2,269Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume283
Mix93.7%
Spread
+0.277%Above
Fees
$2,094Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume19
Mix6.3%
Spread
+0.317%Above
Fees
$2,269Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
302
Applications
407
Volume
$92 million
Pricing & Closing
Avg Rate Spread
+0.280%
vs. market APOR
Avg Net Fees
$2,106
Origination − Credits
Pullthrough Rate
74.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$307,781
Avg Borrower Income
$118,480
Avg Property Value
$404,272
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 200200+None
South3
NCVAWV
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.