F & M Community Bank in Minnesota vs the state
1.1%Denial rate-12.48 pts vs state
1.2%Decision denial rate-15.17 pts vs state
88.8%Origination rate+22.39 pts vs state
—Median rate
—Rate spread (pts)
$107kMedian applicant income
79Loans originated
1Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 79 | 2.2% | — | #195 |
| 2024 | 72 | 60 | 5.6% | — | #228 |
| 2025 | 89 | 79 | 1.1% | — | #222 |
What F & M Community Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most F & M Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fillmore County | 40 | 36 | 1 | 2.5% |
| Olmsted County | 36 | 34 | 0 | 0.0% |
| Winona County | 3 | 3 | 0 | 0.0% |
| Houston County | 2 | 1 | 0 | 0.0% |
| Dodge County | 2 | 1 | 0 | 0.0% |
| Steele County | 2 | 1 | 0 | 0.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
| Goodhue County | 1 | 1 | 0 | 0.0% |
| Hennepin County | 1 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 89 applications in 2025, of which 79 were originated and 1 denied.
1.1% of all applications, or 1.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are F & M Community Bank's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology