# F&M Bank

> **Canonical URL:** https://saferate.com/lenders/fm-bank-ok


> **📋 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 is a bank, headquartered in Edmond, OK, serving borrowers across 5 states, with 257 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300X2FI65C4A30O27
- **Headquarters:** Edmond, OK
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, MI, OH, OK, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.204%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,787
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 257
- **Dollar Volume:** $72 million
- **Applications Received:** 334
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $279,280
- **Average Borrower Income:** $129,630
- **Average Property Value:** $368,619

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 176 | +0.201% | $2,072 | Sound ☺️ |
| FHA | 60/100 | 47 | +0.472% | $906 | Strong 😀 |
| VA | 62/100 | 27 | -0.319% | $1,455 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 130 loans, Score: 47/100 (Sound)
- Refinance: 46 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 46 loans, Score: 60/100 (Strong)

**VA:**
- Purchase: 22 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 205 | $54M | +0.191% | Sound ☺️ |
| Refinance | 54/100 | 52 | $18M | +0.253% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 249 | 0.60% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 195 | 84/100 |
| Non |  | 53 | 47/100 |

## Where This Lender Ranks

F&M Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Oklahoma City, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Oklahoma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Oklahoma City, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Oklahoma City, OK Banks
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks)
- 🏆 **#5** in Oklahoma City, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Oklahoma for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Oklahoma for FHA Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Oklahoma Banks
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks)
- 🏆 **#9** in Oklahoma City, OK for VA Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/va-loans)
- 🏆 **#11** in Oklahoma for VA Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/va-loans)
- 🏆 **#11** in Oklahoma for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#11** in Oklahoma City, OK
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders)
- 🏆 **#15** in Oklahoma
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders)
- 🏆 **#16** in Oklahoma City, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Oklahoma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does F&M Bank offer?

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

### Where does F&M Bank offer mortgages?

F&M Bank offers mortgages in 5 states: FL, MI, OH, OK, TX.

### How competitive are F&M Bank's mortgage rates?

F&M Bank has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.204% above market average.

### What type of lender is F&M Bank?

F&M Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Edmond, OK.

### What is F&M Bank's loan approval success rate?

F&M Bank has a pull-through score of 69/100 (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/fm-bank-ok

### How to Cite

> "F&M Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fm-bank-ok

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