F&M Bank
F&M Bank received 107 applications in 2025 and made 96 mortgages, in 16 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 99 decisions, 3 were denials — 3.0%.
| Legal Entity Identifier | 549300XP5418ENGZVD49 |
|---|---|
| Applications received | 107 |
| Mortgages made | 96 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: F&M Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 37 | Not published | $225,000 | 2.6% |
| Refinancing | 51 | Not published | $145,000 | 1.9% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 11.1% |
Where F&M Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Columbia County, GA | 18 | Not published | 0.0% |
| Lincoln County, GA | 17 | Not published | 0.0% |
| Richmond County, GA | 16 | Not published | 5.9% |
| Wilkes County, GA | 16 | Not published | 11.1% |
| Taliaferro County, GA | 7 | Under 10 loans | 0.0% |
| Aiken County, SC | 6 | Under 10 loans | 0.0% |
| McDuffie County, GA | 5 | Under 10 loans | 0.0% |
| Clarke County, GA | 2 | Under 10 loans | 0.0% |
| McCormick County, SC | 2 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Greene County, GA | 1 | Under 10 loans | 0.0% |
| Oglethorpe County, GA | 1 | Under 10 loans | 0.0% |
| Warren County, GA | 1 | Under 10 loans | 0.0% |
| Washington County, GA | 1 | Under 10 loans | 0.0% |
| Edgefield County, SC | 1 | Under 10 loans | 0.0% |
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When F&M Bank’s figures are published for the next year, or restated.
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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.