F&M Bank has 257 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 · VA
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
F&M Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+20.4 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
176 loans · 0.20% above market
Sound
Top 60% of lenders
3/5
FHA
47 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
VA
27 loans · 0.32% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
205 loans · 0.19% above market
Sound
Top 60% of lenders
3/5
Refinance
52 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 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 | 176 | 68.5% | +0.201%Above | $2,072Fees | ||||
FHA Loans | 47 | 18.3% | +0.472%Above | $906Fees | ||||
VA Loans | 27 | 10.5% | -0.319%Below | $1,455Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume176
Mix68.5%
Spread
+0.201%Above
Fees
$2,072Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume47
Mix18.3%
Spread
+0.472%Above
Fees
$906Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume27
Mix10.5%
Spread
-0.319%Below
Fees
$1,455Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 205 | 79.8% | +0.191%Above | $1,657Fees | ||||
Refinance | 52 | 20.2% | +0.253%Above | $2,255Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume205
Mix79.8%
Spread
+0.191%Above
Fees
$1,657Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume52
Mix20.2%
Spread
+0.253%Above
Fees
$2,255Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
257
Applications
334
Volume
$71 million
Pricing & Closing
Avg Rate Spread
+0.204%
vs. market APOR
Avg Net Fees
$1,787
Origination − Credits
Pullthrough Rate
76.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$279,280
Avg Borrower Income
$129,630
Avg Property Value
$368,619
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
5Full-year 2024 · HMDALoans originated
< 200200+None
Midwest2
MIOH
South3
FLOKTX
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.