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Claim this ProfileF&M Bank has 257 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 · VA
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA 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
+20.4 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
176 loans · 0.20% above market
Sound
Top 60% of lenders
3/5
FHA
47 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
VA
27 loans · 0.32% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
205 loans · 0.19% above market
Sound
Top 60% of lenders
3/5
Refinance
52 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 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 | 176 | 68.5% | +0.201%Above | $2,072Fees | ||||
FHA Loans | 47 | 18.3% | +0.472%Above | $906Fees | ||||
VA Loans | 27 | 10.5% | -0.319%Below | $1,455Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume176
Mix68.5%
Spread
+0.201%Above
Fees
$2,072Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume47
Mix18.3%
Spread
+0.472%Above
Fees
$906Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume27
Mix10.5%
Spread
-0.319%Below
Fees
$1,455Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 205 | 79.8% | +0.191%Above | $1,657Fees | ||||
Refinance | 52 | 20.2% | +0.253%Above | $2,255Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume205
Mix79.8%
Spread
+0.191%Above
Fees
$1,657Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume52
Mix20.2%
Spread
+0.253%Above
Fees
$2,255Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
257
Applications
334
Volume
$71 million
Pricing & Closing
Avg Rate Spread
+0.204%
vs. market APOR
Avg Net Fees
$1,787
Origination − Credits
Pullthrough Rate
76.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$279,280
Avg Borrower Income
$129,630
Avg Property Value
$368,619
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
5Full-year 2024 · HMDALoans originated
< 200200+None
Midwest2
MIOH
South3
FLOKTX
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.