FM Home Loans, LLC mortgage approval rate & lending review
FM Home Loans, LLC decided 5,448 mortgage applications and funded 4,619 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions FM Home Loans, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to fmm.com.
FM Home Loans, LLC at a glance
Approval is 13.1 points above the 84.5% 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 | 97% | 2,627 / 2,720 | 88% | $595K | 2,313 |
| Refinance | 99% | 557 / 564 | 84% | $665K | 470 |
| Investment property purchase | 98% | 1,097 / 1,122 | 88% | $455K | 967 |
| Investment refinance | 100% | 1,032 / 1,037 | 84% | $455K | 865 |
FM Home Loans, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 97% | $625K | 2,654 | 2,229 |
| New Jersey | 98% | $515K | 1,649 | 1,432 |
| Florida | 97% | $455K | 625 | 514 |
| Connecticut | 97% | $395K | 144 | 122 |
| Pennsylvania | 98% | $285K | 109 | 91 |
| Texas | 100% | $425K | 79 | 71 |
| Louisiana | 100% | $125K | 63 | 63 |
| Arizona | 100% | $555K | 22 | 12 |
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 FM Home Loans, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ocean County, NJ | Mortgage lenders | 99% | 432 | 374 |
| Rockland County, NY | Mortgage lenders | 98% | 355 | 324 |
| Kings County, NY | Mortgage lenders | 96% | 387 | 310 |
| Nassau County, NY | Mortgage lenders | 98% | 248 | 222 |
| Ocean County, NJ | Investment property purchase | 99% | 204 | 183 |
| Queens County, NY | Mortgage lenders | 96% | 156 | 132 |
| Monmouth County, NJ | Mortgage lenders | 95% | 154 | 131 |
| Kings County, NY | Investment property purchase | 98% | 142 | 121 |
| Kings County, NY | Investment refinance | 99% | 138 | 109 |
| Orange County, NY | Mortgage lenders | 94% | 131 | 107 |
| Monmouth County, NJ | Investment property purchase | 97% | 115 | 104 |
| Ocean County, NJ | Refinance | 100% | 104 | 92 |
The county markets where FM Home Loans, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about FM Home Loans, LLC
What is FM Home Loans, LLC's mortgage approval rate?
FM Home Loans, LLC approved 97.6% of the 5,448 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.1 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan FM Home Loans, LLC offers?
Borrowers accepted 87% of the loans FM Home Loans, LLC 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 FM Home Loans, LLC make?
The typical home purchase mortgage loan FM Home Loans, LLC made was $595K; across all loan types its typical loan ran from $455K to $665K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does FM Home Loans, LLC lend?
FM Home Loans, LLC decided applications in 23 of the states Fat Boy Data covers, most of them in New York, New Jersey and Florida.
Can I apply to FM Home Loans, LLC directly?
Yes. FM Home Loans, LLC reports as a direct lender that takes applications from borrowers. Its website is fmm.com.
Does this page show FM Home Loans, LLC'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 FM Home Loans, LLC treats applications, then get a rate quote from the lender.