Farmers and Merchants Bank
Farmers and Merchants Bank received 28 applications in 2025 and made 28 mortgages, in 7 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $130,000. Of 28 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 2549002KNNRT791PG760 |
|---|---|
| Applications received | 28 |
| Mortgages made | 28 |
| Denied | 0 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Farmers and Merchants Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 14 | Not published | $125,000 | 0.0% |
| Refinancing | 13 | Not published | $135,000 | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Farmers and Merchants Bank lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Calhoun County, AL | 19 | Not published | 0.0% |
| Talladega County, AL | 3 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Cherokee County, AL | 1 | Under 10 loans | 0.0% |
| Cleburne County, AL | 1 | Under 10 loans | 0.0% |
| Etowah County, AL | 1 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.