F & M BANK CORP.
F & M BANK CORP. received 466 applications in 2025 and made 334 mortgages, in 44 counties across 3 states. The median rate its borrowers got was 6.500% on a median loan of $285,000. Of 386 decisions, 14 were denials — 3.6%, most often for debt-to-income ratio. 14 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300V2YLC1I721HE07 |
|---|---|
| Applications received | 466 |
| Mortgages made | 334 |
| Denied | 14 |
| Approved, not taken up | 38 |
| Withdrawn or incomplete | 80 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.159 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 260 | 6.500% | $285,000 | 2.4% |
| Refinancing | 48 | 6.750% | $330,000 | 3.6% |
| Cash-out refinancing | 15 | 6.500% | $185,000 | 18.2% |
| Other purposes | 11 | 6.750% | $55,000 | 8.3% |
Where F & M BANK CORP. 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 |
|---|---|---|---|
| Rockingham County, VA | 137 | 6.500% | 5.7% |
| Harrisonburg city, VA | 41 | 6.750% | 2.2% |
| Augusta County, VA | 38 | 6.500% | 2.2% |
| Shenandoah County, VA | 26 | 6.625% | 6.5% |
| Page County, VA | 16 | 6.500% | 0.0% |
| Waynesboro city, VA | 12 | 6.688% | 0.0% |
| Frederick County, VA | 10 | 6.375% | 0.0% |
| Staunton city, VA | 7 | Under 10 loans | 0.0% |
| Albemarle County, VA | 5 | Under 10 loans | 0.0% |
| Warren County, VA | 5 | Under 10 loans | 0.0% |
| Winchester city, VA | 5 | Under 10 loans | 0.0% |
| Clarke County, VA | 4 | Under 10 loans | 0.0% |
| Rockbridge County, VA | 2 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Union County, NC | 1 | Under 10 loans | 0.0% |
| Bedford County, VA | 1 | Under 10 loans | 0.0% |
| Buckingham County, VA | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Craig County, VA | 1 | Under 10 loans | 0.0% |
| Fauquier County, VA | 1 | Under 10 loans | 0.0% |
| Franklin County, VA | 1 | Under 10 loans | 0.0% |
| Henrico County, VA | 1 | Under 10 loans | 0.0% |
| Highland County, VA | 1 | Under 10 loans | 0.0% |
| Isle of Wight County, VA | 1 | Under 10 loans | 0.0% |
| Mathews County, VA | 1 | Under 10 loans | 0.0% |
| Montgomery County, VA | 1 | Under 10 loans | 0.0% |
| Nelson County, VA | 1 | Under 10 loans | 0.0% |
| Northampton County, VA | 1 | Under 10 loans | 0.0% |
| Patrick County, VA | 1 | Under 10 loans | 0.0% |
| Roanoke County, VA | 1 | Under 10 loans | 0.0% |
| Spotsylvania County, VA | 1 | Under 10 loans | 0.0% |
| Buena Vista city, VA | 1 | Under 10 loans | 0.0% |
| Charlottesville city, VA | 1 | Under 10 loans | 0.0% |
| Berkeley County, WV | 1 | Under 10 loans | 0.0% |
| Hampshire County, WV | 1 | Under 10 loans | 0.0% |
| Pendleton County, WV | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 0 | Under 10 loans | Not published |
| Greene County, VA | 0 | Under 10 loans | 0.0% |
| Louisa County, VA | 0 | Under 10 loans | Not published |
| New Kent County, VA | 0 | Under 10 loans | Not published |
| Hardy County, WV | 0 | Under 10 loans | 0.0% |
| Kanawha County, WV | 0 | Under 10 loans | 100.0% |
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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.