Applications / Mortgage Analytics / Lenders / Georgia / F & M Bank / Competition
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
Who F & M Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — AUGUSTA-RICHMOND COUNTY, GA-SC, 2025
F & M Bank ranks 51st of 461 lenders in Augusta-Richmond County, GA-SC, with $15.0M lent: 0.4% of a $3.75B market.
Augusta-Richmond County, GA-SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and F & M Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO GEORGIA, 2025
F & M Bank ranks 256th of 683 lenders in non-metro Georgia, with $4.3M lent: 0.0% of a $8.64B market.
non-metro Georgia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and F & M Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — ATHENS-CLARKE COUNTY, GA, 2025
F & M Bank ranks 211th of 316 lenders in Athens-Clarke County, GA, with $475K lent: 0.0% of a $1.33B market.
Athens-Clarke County, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and F & M Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO SOUTH CAROLINA, 2025
F & M Bank ranks 377th of 514 lenders in non-metro South Carolina, with $400K lent: 0.0% of a $2.95B market.
non-metro South Carolina is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and F & M Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 27% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
F & M Bank ranks 837th of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $245K lent: 0.0% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and F & M Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — SAVANNAH, GA, 2025
F & M Bank ranks 460th of 469 lenders in Savannah, GA, with $65K lent: 0.0% of a $3.89B market.
Savannah, GA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and F & M Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
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]