Applications / Mortgage Analytics / Lenders / Georgia / F & M Bank
Washington, GA · State non-member bank · FDIC · $419 million assets · 96 loans in 2025
F & M Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
96
loans originated, 2025
107
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
F & M Bank, a Georgia community bank, makes far more of its loans in majority-minority and poorer neighborhoods than similar banks do.
38.5% of its loans were in majority-minority neighborhoods, against 6.2% at similar lenders, banks of the same type making between half and twice as many loans. That was higher than about nine in ten of them. 33.7% were in low- and moderate-income (LMI) neighborhoods, against 18.3%. The 16 counties it serves, mainly in Georgia, may account for much of this.
Its loans went less often to LMI borrowers: 16.9%, against 27.3% at similar lenders, and down from 24.7% a year earlier. One possibility is its tilt toward refinancing, which serves people who already own. Another is that a loan in an LMI neighborhood need not go to an LMI household.
It made 96 loans, 4% fewer than in 2024, while similar lenders grew 9%. Yet its dollar total rose to $20.5 million from $17.5 million, because its typical loan rose to $165,000 from $125,000. Refinances were 53.1% of its loans, so its volume may follow refinance demand.
In Augusta-Richmond County it ranked 51 of 461 lenders, with 0.4% of the market, the same share as a year earlier.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. F & M Bank took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.1% · Purchase 38.5% · Home improvement 8.3%
Conventional 100.0% · of 96 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 87 | 90.6% |
| South Carolina | 9 | 9.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 63 |
| Athens-Clarke County | 3 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Savannah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XP5418ENGZVD49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 510330 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316897 | 2010–2017 |
Established 14 March 1950. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: F & M Bank's data.
F & M Bank's data
$215
F & M Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy F & M Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]