F&M Bank closing costs and rates (2024)
In 2024, F&M Bank originated 209 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $4,448. That is $2,293 below the national median of $6,741. F&M Bank is most active in Oklahoma with 200 originations there.
Purchase Originations
209
Median Total Costs
$4,448
−34.0% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,174
Median Lender Credits
$9
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 129 | 6.625% | $3,766 | $1,174 |
| fha | 50 | 6.625% | $5,930 | $1,050 |
| va | 23 | 6.500% | $5,750 | $1,149 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,867 | 7.000% | — | 2 | −$2,581 | |
| 2 | $2,676 | 6.125% | — | 1 | −$1,772 | |
| 3 | $3,582 | 6.625% | — | 3 | −$866 | |
| 4 | $3,803 | 6.500% | — | 67 | −$645 | |
| 5 | $3,886 | 6.375% | — | 1 | −$562 | |
| 6 | $3,905 | 6.625% | — | 18 | −$543 | |
| 7 | $4,114 | 6.562% | — | 54 | −$334 | |
| 8 | $4,256 | 6.375% | — | 6 | −$192 | |
| 9 | $4,500 | 6.875% | — | 9 | +$52 | |
| 10 | $4,578 | 7.000% | — | 3 | +$130 | |
| 11 | $4,816 | 6.250% | — | 1 | +$368 | |
| 12 | $4,887 | 6.625% | — | 9 | +$439 | |
| 13 | $5,900 | 6.750% | — | 5 | +$1,452 | |
| 14 | $5,966 | 6.500% | — | 1 | +$1,518 | |
| 15 | $6,184 | 6.625% | — | 7 | +$1,736 | |
| 16 | $6,377 | 6.938% | — | 2 | +$1,929 | |
| 17 | $7,800 | 6.812% | — | 2 | +$3,352 | |
| 18 | $8,704 | 6.500% | — | 1 | +$4,256 | |
| 19 | $13,094 | 6.375% | — | 1 | +$8,646 | |
| 20 | $23,030 | 6.625% | — | 1 | +$18,582 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.