F & M Community Bank, National Association
F & M Community Bank, National Association received 94 applications in 2025 and made 84 mortgages, in 13 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $150,000. Of 90 decisions, 1 were denials — 1.1%, most often for collateral. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549008O36ZLTWMCKU62 |
|---|---|
| Applications received | 94 |
| Mortgages made | 84 |
| Denied | 1 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: F & M Community Bank, National Association, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 43 | Not published | $195,000 | 0.0% |
| Refinancing | 16 | Not published | $180,000 | 0.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Other purposes | 17 | Not published | $45,000 | 0.0% |
Where F & M Community Bank, National Association lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fillmore County, MN | 36 | Not published | 2.6% |
| Olmsted County, MN | 34 | Not published | 0.0% |
| Winona County, MN | 3 | Under 10 loans | 0.0% |
| Buffalo County, WI | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Dodge County, MN | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Houston County, MN | 1 | Under 10 loans | 0.0% |
| Steele County, MN | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
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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.