FMS Bank
FMS Bank received 57 applications in 2025 and made 46 mortgages, in 8 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $420,000. Of 54 decisions, 3 were denials — 5.6%.
| Legal Entity Identifier | 549300G4VO4E5SNMQB32 |
|---|---|
| Applications received | 57 |
| Mortgages made | 46 |
| Denied | 3 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: FMS Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 32 | Not published | $425,000 | 2.6% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where FMS Bank lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Weld County, CO | 21 | Not published | 0.0% |
| Morgan County, CO | 16 | Not published | 12.5% |
| Larimer County, CO | 3 | Under 10 loans | 0.0% |
| Jefferson County, CO | 2 | Under 10 loans | 0.0% |
| Grand County, CO | 1 | Under 10 loans | 0.0% |
| Mesa County, CO | 1 | Under 10 loans | 0.0% |
| Routt County, CO | 1 | Under 10 loans | 0.0% |
| Albany County, WY | 1 | Under 10 loans | 0.0% |
Get told when this changes
When FMS 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.