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Claim this ProfileF & M Bank has 302 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
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
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Report Card
F & M Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.0 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
246 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
FHA
40 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
283 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
Refinance
19 loans · 0.32% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 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 | 246 | 81.5% | +0.223%Above | $1,927Fees | ||||
FHA Loans | 40 | 13.2% | +0.594%Above | $2,692Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume246
Mix81.5%
Spread
+0.223%Above
Fees
$1,927Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume40
Mix13.2%
Spread
+0.594%Above
Fees
$2,692Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 283 | 93.7% | +0.277%Above | $2,094Fees | ||||
Refinance | — | 19 | 6.3% | +0.317%Above | $2,269Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume283
Mix93.7%
Spread
+0.277%Above
Fees
$2,094Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
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
3Full-year 2024 · HMDALoans originated
< 200200+None
South3
NCVAWV
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, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.