Farmers and Merchants Bank of St. Clair
Farmers and Merchants Bank of St. Clair received 103 applications in 2025 and made 83 mortgages, in 14 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $175,000. Of 103 decisions, 6 were denials — 5.8%.
| Legal Entity Identifier | 5493001IZBTDOCW8MX74 |
|---|---|
| Applications received | 103 |
| Mortgages made | 83 |
| Denied | 6 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 0 |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 of St. Clair, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 50 | Not published | $240,000 | 0.0% |
| Refinancing | 22 | Not published | $110,000 | 12.5% |
| Other purposes | 11 | Not published | $35,000 | 12.5% |
Where Farmers and Merchants Bank of St. Clair lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, MO | 31 | Not published | 10.8% |
| Jefferson County, MO | 16 | Not published | 4.4% |
| St. Louis County, MO | 13 | Not published | 6.3% |
| St. Charles County, MO | 9 | Under 10 loans | 0.0% |
| Crawford County, MO | 3 | Under 10 loans | 0.0% |
| St. Louis city, MO | 3 | Under 10 loans | 0.0% |
| Gasconade County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Lincoln County, MO | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 1 | Under 10 loans | 0.0% |
| Osage County, MO | 1 | Under 10 loans | 0.0% |
| Pulaski County, MO | 1 | Under 10 loans | 0.0% |
| Warren County, MO | 1 | Under 10 loans | 0.0% |
| Washington County, MO | 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.