Lenders
F&M Bank (Oklahoma)
F&M Bank is a family-owned community bank serving the greater Oklahoma City area. Its commercial real estate loans are aimed at income-producing property, and the loan page names retail stores, shopping centers, office buildings, industrial, hospitality and hotels, multi-family, and one-to-four-family units as examples.
A commercial mortgage can be used to purchase a commercial property, to renovate or improve one, or to refinance an existing commercial loan into a better rate and terms. The bank advertises competitive rates, a variety of terms, and local processing, and asks borrowers to request information online or visit the nearest branch, where loan decisions are made locally. Commercial construction, small business, USDA Business and Industry, inventory and working capital, and investment or rental property loans round out the business lending menu, and the bank also offers Section 184 and Native American home loans, tribal treasury management, and economic development project financing.
The bank was founded in 1902 as Farmers & Merchants Bank and was purchased in 1972 by a Citizen Potawatomi Nation tribal member, whose family still owns it through the second and third generation. It operates eleven branch locations across Central Oklahoma plus two mortgage offices and a loan production office, with branches in Edmond, Yukon, Guthrie, Kingfisher, Piedmont, Crescent, Okarche, and Fairview. Its NMLS number is 401420.
Loan minimums, recourse terms, and cash-out policies are not published, so ask a business lender directly.
Best for
Owners and investors buying, renovating, or refinancing income-producing property in the greater Oklahoma City area, and tribal borrowers who need Section 184, Native American home, or economic development financing.
What they do
- Commercial real estate purchase and refinance loans
- Commercial construction loans
- Investment or rental property loans
- Small business loans
- USDA Business and Industry loans
- Inventory and working capital loans
- Economic development project financing
- Section 184 and Native American home loans
- Tribal treasury management services
- Treasury management and merchant card services
Details
| Attribute | Value |
|---|---|
| Founded | 1902 |
| Ownership | Private |
| Other offices | Edmond, OK, Yukon, OK, Guthrie, OK, Kingfisher, OK, Piedmont, OK, Crescent, OK, Okarche, OK, Fairview, OK |
| Licenses | NMLS #401420 |
| Lender type | Bank |
| Cash-out refinance | Yes |
What stands out
- Founded in 1902 as Farmers & Merchants Bank and bought by the Anderson family in 1972; now run by the second and third generation.
- Operates eleven branch locations across Central Oklahoma plus two mortgage offices and a loan production office.
- NMLS #401420; routing number 103104133.
- Lends on retail, shopping center, office, industrial, hospitality, multi-family, and one-to-four-family property.
- Offers Section 184 home loans, Native American home loans, and tribal treasury management services.