# F & M BANK CORP.

> **Canonical URL:** https://saferate.com/lenders/f-m-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


F & M BANK CORP. is a independent mortgage company, headquartered in TIMBERVILLE, VA, serving borrowers across 3 states, with 302 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300V2YLC1I721HE07
- **Headquarters:** TIMBERVILLE, VA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** NC, VA, WV
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.280%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,106
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 302
- **Dollar Volume:** $93 million
- **Applications Received:** 407
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $307,781
- **Average Borrower Income:** $118,480
- **Average Property Value:** $404,272

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 246 | +0.223% | $1,927 | Strong 😀 |
| FHA | 66/100 | 40 | +0.594% | $2,692 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 229 loans, Score: 68/100 (Strong)

**FHA:**
- Purchase: 39 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 283 | $87M | +0.277% | Strong 😀 |
| Refinance | 28/100 | 19 | $6M | +0.317% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 295 | 0.27% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Harrisonburg, VA | VA | 156 | 100/100 |
| Non |  | 64 | 49/100 |
| Staunton | VA | 58 | 83/100 |
| Winchester, VA | VA-WV | 10 | 49/100 |

## Where This Lender Ranks

F & M BANK CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Harrisonburg, VA Mortgage Companies
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Harrisonburg, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Staunton Mortgage Companies
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Harrisonburg, VA for FHA Loans
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Harrisonburg, VA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Harrisonburg, VA
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders)
- 🥉 **#3** in Harrisonburg, VA for Conventional Loans
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Staunton
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders)
- 🥉 **#3** in Staunton for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Staunton for FHA Loans
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Staunton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Staunton for Conventional Loans
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Virginia Mortgage Companies
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Virginia for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Winchester, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Virginia for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Winchester, VA for Conventional Loans
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does F & M BANK CORP. offer?

F & M BANK CORP. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does F & M BANK CORP. offer mortgages?

F & M BANK CORP. offers mortgages in 3 states: NC, VA, WV.

### How competitive are F & M BANK CORP.'s mortgage rates?

F & M BANK CORP. has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.280% above market average.

### What type of lender is F & M BANK CORP.?

F & M BANK CORP. is a non-depository lender that specializes in mortgage origination, headquartered in TIMBERVILLE, VA.

### What is F & M BANK CORP.'s loan approval success rate?

F & M BANK CORP. has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/f-m-bank

### How to Cite

> "F & M BANK CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/f-m-bank

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