Mortgage Lender Index

FM Home Loans, LLC

FM Home Loans, LLC received 2,748 applications in 2025 and made 1,846 mortgages, in 119 counties across 24 states. The median rate its borrowers got was 6.990% on a median loan of $575,000. Of 2,161 decisions, 35 were denials — 1.6%, most often for debt-to-income ratio.

Legal Entity Identifier254900ACUWEGW702BR80
Applications received2,748
Mortgages made1,846
Denied35
Approved, not taken up280
Withdrawn or incomplete587
Loans bought from other lenders0
Median rate spread over the prime offer rate0.4965 points
FDIC-insured bankThis 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

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase1,135 6.875%$605,000 2.2%
Refinancing709 7.125%$505,000 0.7%
Other purposes2 Under 10 loansUnder 10 loans 0.0%

Where FM Home Loans, LLC lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Ocean County, NJ 2716.875%0.7%
Kings County, NY 2696.875%2.5%
Rockland County, NY 1896.625%2.7%
Monmouth County, NJ 1246.990%0.7%
Nassau County, NY 1196.750%2.2%
Queens County, NY 816.875%2.0%
Broward County, FL 746.990%4.4%
Orange County, NY 726.990%3.5%
Jefferson Parish, LA 607.625%0.0%
Palm Beach County, FL 436.875%0.0%
Miami-Dade County, FL 357.250%0.0%
Hidalgo County, TX 357.500%0.0%
Bergen County, NJ 316.875%0.0%
Westchester County, NY 266.875%0.0%
South Central Connecticut Planning Region, CT 256.875%0.0%
Sullivan County, NY 257.250%0.0%
Essex County, NJ 226.875%0.0%
Mercer County, NJ 208.250%0.0%
Bronx County, NY 206.990%0.0%
New York County, NY 206.990%3.7%
Richmond County, NY 186.990%3.7%
Philadelphia County, PA 187.375%0.0%
Passaic County, NJ 166.870%0.0%
Ulster County, NY 147.250%0.0%
Western Connecticut Planning Region, CT 136.875%0.0%
Harris County, TX 136.875%0.0%
Suffolk County, NY 126.687%0.0%
Capitol Planning Region, CT 9Under 10 loans0.0%
Osceola County, FL 9Under 10 loans0.0%
Naugatuck Valley Planning Region, CT 8Under 10 loans0.0%
Sussex County, NJ 7Under 10 loans0.0%
Union County, NJ 7Under 10 loans0.0%
Luzerne County, PA 7Under 10 loans0.0%
Camden County, NJ 6Under 10 loans0.0%
Hudson County, NJ 6Under 10 loans0.0%
Putnam County, NY 6Under 10 loans0.0%
Maricopa County, AZ 5Under 10 loans0.0%
Monroe County, PA 5Under 10 loans0.0%
Los Angeles County, CA 4Under 10 loans0.0%
Bay County, FL 4Under 10 loans0.0%
Middlesex County, NJ 4Under 10 loans0.0%
Hamilton County, OH 4Under 10 loans0.0%
Lackawanna County, PA 4Under 10 loans20.0%
Pima County, AZ 3Under 10 loans0.0%
Greater Bridgeport Planning Region, CT 3Under 10 loans20.0%
Manatee County, FL 3Under 10 loans0.0%
Pinellas County, FL 3Under 10 loans0.0%
Baltimore County, MD 3Under 10 loans0.0%
Baltimore city, MD 3Under 10 loans0.0%
Morris County, NJ 3Under 10 loans0.0%

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When FM Home Loans, LLC’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.