F&M Bank
F&M Bank received 676 applications in 2025 and made 524 mortgages, in 32 counties across 3 states. The median rate its borrowers got was 7.150% on a median loan of $175,000. Of 662 decisions, 105 were denials — 15.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YRN588YD6VNJ18 |
|---|---|
| Applications received | 676 |
| Mortgages made | 524 |
| Denied | 105 |
| Approved, not taken up | 33 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.28 points |
| FDIC-insured bank | Yes: F&M Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 100 | 7.050% | $260,000 | 12.0% |
| Refinancing | 187 | 7.500% | $195,000 | 11.6% |
| Other purposes | 237 | 4.990% | $125,000 | 20.5% |
Where F&M Bank lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, TN | 174 | 7.125% | 13.6% |
| Robertson County, TN | 65 | 7.500% | 10.4% |
| Sumner County, TN | 61 | 4.990% | 13.3% |
| Davidson County, TN | 53 | 7.150% | 22.4% |
| Williamson County, TN | 41 | 7.500% | 18.9% |
| Stewart County, TN | 39 | 7.500% | 12.8% |
| Wilson County, TN | 25 | 7.500% | 7.1% |
| Cheatham County, TN | 17 | 7.050% | 10.5% |
| Dickson County, TN | 11 | 7.250% | 26.7% |
| Rutherford County, TN | 10 | 6.370% | 31.3% |
| Christian County, KY | 3 | Under 10 loans | 33.3% |
| Todd County, KY | 3 | Under 10 loans | 25.0% |
| Houston County, TN | 3 | Under 10 loans | 25.0% |
| Maury County, TN | 3 | Under 10 loans | 25.0% |
| Overton County, TN | 2 | Under 10 loans | 0.0% |
| Sevier County, TN | 2 | Under 10 loans | 0.0% |
| White County, TN | 2 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Caldwell County, KY | 1 | Under 10 loans | 0.0% |
| Logan County, KY | 1 | Under 10 loans | 50.0% |
| Trigg County, KY | 1 | Under 10 loans | 50.0% |
| Bedford County, TN | 1 | Under 10 loans | 0.0% |
| Cannon County, TN | 1 | Under 10 loans | 0.0% |
| Franklin County, TN | 1 | Under 10 loans | 0.0% |
| Putnam County, TN | 1 | Under 10 loans | 0.0% |
| Trousdale County, TN | 1 | Under 10 loans | 50.0% |
| Oldham County, KY | 0 | Under 10 loans | Not published |
| Benton County, TN | 0 | Under 10 loans | 100.0% |
| Blount County, TN | 0 | Under 10 loans | 100.0% |
| Henry County, TN | 0 | Under 10 loans | 100.0% |
| Marshall County, TN | 0 | Under 10 loans | 100.0% |
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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.