F&M Bank
F&M Bank received 373 applications in 2025 and made 309 mortgages, in 44 counties across 6 states. The median rate its borrowers got was 6.875% on a median loan of $215,000. Of 333 decisions, 13 were denials — 3.9%, most often for credit history.
| Legal Entity Identifier | 549300X2FI65C4A30O27 |
|---|---|
| Applications received | 373 |
| Mortgages made | 309 |
| Denied | 13 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 40 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2005 points |
| FDIC-insured bank | Yes: F&M Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 189 | 6.625% | $245,000 | 3.0% |
| Refinancing | 62 | 7.250% | $220,000 | 3.1% |
| Cash-out refinancing | 42 | 7.750% | $175,000 | 8.7% |
| Other purposes | 16 | 8.375% | $70,000 | 5.0% |
Where F&M Bank lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oklahoma County, OK | 114 | 7.000% | 2.4% |
| Canadian County, OK | 60 | 6.625% | 3.2% |
| Logan County, OK | 34 | 7.750% | 7.7% |
| Cleveland County, OK | 15 | 6.625% | 0.0% |
| Kay County, OK | 15 | 6.750% | 6.3% |
| Kingfisher County, OK | 12 | 7.438% | 7.7% |
| Grady County, OK | 10 | 7.000% | 0.0% |
| Texas County, OK | 5 | Under 10 loans | 0.0% |
| Caddo County, OK | 3 | Under 10 loans | 0.0% |
| McClain County, OK | 3 | Under 10 loans | 0.0% |
| McIntosh County, OK | 3 | Under 10 loans | 0.0% |
| Rogers County, OK | 3 | Under 10 loans | 0.0% |
| Carter County, OK | 2 | Under 10 loans | 33.3% |
| Comanche County, OK | 2 | Under 10 loans | 0.0% |
| Custer County, OK | 2 | Under 10 loans | 0.0% |
| Noble County, OK | 2 | Under 10 loans | 0.0% |
| Tulsa County, OK | 2 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Riley County, KS | 1 | Under 10 loans | 0.0% |
| Blaine County, OK | 1 | Under 10 loans | 0.0% |
| Bryan County, OK | 1 | Under 10 loans | 0.0% |
| Delaware County, OK | 1 | Under 10 loans | 0.0% |
| Grant County, OK | 1 | Under 10 loans | 0.0% |
| Haskell County, OK | 1 | Under 10 loans | 0.0% |
| Hughes County, OK | 1 | Under 10 loans | 0.0% |
| Lincoln County, OK | 1 | Under 10 loans | 0.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Pittsburg County, OK | 1 | Under 10 loans | 0.0% |
| Pottawatomie County, OK | 1 | Under 10 loans | 0.0% |
| Seminole County, OK | 1 | Under 10 loans | 0.0% |
| Washington County, OK | 1 | Under 10 loans | 0.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Cherokee County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Montague County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Randall County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 0 | Under 10 loans | Not published |
| Geary County, KS | 0 | Under 10 loans | Not published |
| Jackson County, OK | 0 | Under 10 loans | 100.0% |
| Pontotoc County, OK | 0 | Under 10 loans | Not published |
| Tom Green County, TX | 0 | Under 10 loans | 100.0% |
Get told when this changes
When F&M Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.