Lender in Virginia · HMDA 2025
F & M Bank Corp. mortgages in Virginia
F & M Bank Corp.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
F & M Bank Corp. originated 265 owner-occupied single-family loans in Virginia from 301 completed applications.
Its median conventional purchase loan costs were $4,280 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.50% (Virginia: 6.625%).
Loans in VA
265
of 301 applications
Denial rate
1.6%
Purchase · VA 6.9%
Rate spread
+0.07 pts
Conv. · VA +0.10 pts
Loan amount
$295,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 246 | 220 | 1.6% | 6.500% | +0.07 pts | $4,280 | $295,000 |
| Refinance | 38 | 34 | 5.3% | — | +0.29 pts | $4,260 | $335,000 |
| Cash-out refinance | 17 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where F & M Bank Corp. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Rockingham County | 1 | 122 | 12.1% |
| Harrisonburg city | 2 | 32 | 12.5% |
| Shenandoah County | 7 | 23 | 3.2% |
| Page County | 7 | 10 | 3.1% |
| Augusta County | 8 | 33 | 3.1% |
| Highland County | 11 | 1 | 6.3% |
| Waynesboro city | 17 | 10 | 2.3% |
| Winchester city | 23 | 3 | 0.9% |
| Staunton city | 25 | 4 | 1.0% |
| Buena Vista city | 25 | 1 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology