# F&M Bank

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


> **📋 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 Clarksville, TN, serving borrowers across 2 states, with 30 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 96% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300YRN588YD6VNJ18
- **Headquarters:** Clarksville, TN
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KY, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 4/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.110%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,518
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 30
- **Dollar Volume:** $13 million
- **Applications Received:** 43
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $429,333
- **Average Borrower Income:** $387,767
- **Average Property Value:** $854,333

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 28 | +1.130% | $2,379 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 21 loans, Score: 29/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 23 | $11M | +1.122% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 29 | 0.03% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Clarksville, TN | TN-KY | 16 | 58/100 |
| Nashville | TN | 12 | 51/100 |

## Where This Lender Ranks

F&M Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Clarksville, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/clarksville-tn/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: Conventional. 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 2 states: KY, TN.

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

F&M Bank has a pricing score of 4/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.110% 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 Clarksville, TN.

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

F&M Bank has a pull-through score of 36/100 (Acceptable). 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-tn

### How to Cite

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

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