F&M Bank (Tennessee) mortgage approval rate & lending review
F&M Bank (Tennessee) decided 1,246 mortgage applications and funded 1,043 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions F&M Bank (Tennessee) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
F&M Bank (Tennessee) at a glance
Approval is 7.4 points above the 81.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 431 / 466 | 97% | $305K | 417 |
| Home improvement loans | 81% | 64 / 79 | 97% | $105K | 62 |
| Refinance | 87% | 299 / 342 | 95% | $195K | 283 |
| Investment property purchase | 90% | 213 / 237 | 88% | $205K | 188 |
| Investment refinance | 81% | 59 / 73 | 93% | $195K | 55 |
| Investment home improvement | 86% | 24 / 28 | 96% | $125K | 23 |
F&M Bank (Tennessee) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 89% | $205K | 1,225 | 1,026 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where F&M Bank (Tennessee) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, TN | Mortgage lenders | 95% | 226 | 209 |
| Montgomery County, TN | Investment property purchase | 96% | 141 | 119 |
| Montgomery County, TN | Refinance | 88% | 123 | 101 |
| Sumner County, TN | Mortgage lenders | 99% | 79 | 76 |
| Williamson County, TN | Refinance | 90% | 58 | 50 |
| Davidson County, TN | Investment property purchase | 83% | 65 | 48 |
| Davidson County, TN | Refinance | 81% | 62 | 47 |
| Sumner County, TN | Refinance | 92% | 49 | 42 |
| Montgomery County, TN | Home improvement loans | 78% | 37 | 29 |
| Montgomery County, TN | Investment refinance | 94% | 33 | 28 |
| Rutherford County, TN | Refinance | 91% | 23 | 21 |
| Wilson County, TN | Refinance | 84% | 25 | 20 |
The county markets where F&M Bank (Tennessee) made the most loans. Each link opens that market with every lender ranked.
Questions about F&M Bank (Tennessee)
What is F&M Bank (Tennessee)'s mortgage approval rate?
F&M Bank (Tennessee) approved 88.7% of the 1,246 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points above the 81.2% national rate for the same mix of loan types.
How often do borrowers take the loan F&M Bank (Tennessee) offers?
Borrowers accepted 94% of the loans F&M Bank (Tennessee) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does F&M Bank (Tennessee) make?
The typical home purchase mortgage loan F&M Bank (Tennessee) made was $305K; across all loan types its typical loan ran from $105K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does F&M Bank (Tennessee) lend?
F&M Bank (Tennessee) decided applications in 8 of the states Fat Boy Data covers, most of them in Tennessee, Kentucky and Florida.
Can I apply to F&M Bank (Tennessee) directly?
Yes. F&M Bank (Tennessee) is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show F&M Bank (Tennessee)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how F&M Bank (Tennessee) treats applications, then get a rate quote from the lender.