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F & M Bank

Independent Mortgage Company•Timberville, VAHQ•Direct•Reviews near you on Google

F & M Bank has 302 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate 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
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA loans

Explore another lender or local market

Report Card

F & M Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume246
Mix81.5%
Spread
+0.223%Above
Fees
$1,927Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume40
Mix13.2%
Spread
+0.594%Above
Fees
$2,692Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume283
Mix93.7%
Spread
+0.277%Above
Fees
$2,094Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
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

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
NCVAWV

Top Metro Areas by Place Specialization Score

1© Sdkb · CC BY-SA 4.0
Harrisonburg, VAMetro
Volume 156Mix 51.66% of portfolio
100/100
Exceptional
2© ~delta · CC BY-SA 4.0
Staunton, VAMetro
Volume 58Mix 19.21% of portfolio
83/100
Exceptional
3© Edward Beyer · Public domain
Winchester, VA, VA-WVMetro
Volume 10Mix 3.31% of portfolio
49/100
Sound

Top States by Place Specialization Score

Virginia
Virginia
1
VirginiaState
Volume 295Mix 97.68% of portfolio
81/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.