What loan types does F&M Bank offer?

F&M Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 3.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is F&M Bank?

F&M Bank is a Bank headquartered in Clarksville, TN.

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F&M Bank

Bank•Clarksville, TNHQ•Direct•Reviews near you on Google

F&M Bank has 30 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

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Summary

Things to Think About

Rates typically 111 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

F&M Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+111.0 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	—	Sound	28	93.3%	+1.130%Above	$2,379Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume28

Mix93.3%

Spread

+1.130%Above

Fees

$2,379Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Acceptable	23	76.7%	+1.122%Above	$3,031Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume23

Mix76.7%

Spread

+1.122%Above

Fees

$3,031Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$12 million

Pricing & Closing

Avg Rate Spread

+1.110%

vs. market APOR

Avg Net Fees

$2,518

Origination − Credits

Pullthrough Rate

69.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$429,333

Avg Borrower Income

$387,767

Avg Property Value

$854,333

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South2

KYTN

Top Metro Areas by Place Specialization Score

Clarksville, TN, TN-KYMetro

Volume 16Mix 53.33% of portfolio

58/100

Sound

Nashville, TNMetro

Volume 12Mix 40.00% of portfolio

51/100

Sound

Top States by Place Specialization Score

TennesseeState

Volume 29Mix 96.67% of portfolio

59/100

Sound

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.