Farmers and Merchants Bank
Farmers and Merchants Bank received 34 applications in 2025 and made 25 mortgages, in 11 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $145,000. Of 28 decisions, 3 were denials — 10.7%.
| Legal Entity Identifier | 549300NQ6JHMRWQ5IH65 |
|---|---|
| Applications received | 34 |
| Mortgages made | 25 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 6 |
| 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 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Refinancing | 13 | Not published | $155,000 | 7.1% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 14.3% |
Where Farmers and Merchants Bank lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Buffalo County, NE | 8 | Under 10 loans | 0.0% |
| Seward County, NE | 6 | Under 10 loans | 0.0% |
| Douglas County, NE | 3 | Under 10 loans | 0.0% |
| Lancaster County, NE | 2 | Under 10 loans | 0.0% |
| Nuckolls County, NE | 2 | Under 10 loans | 33.3% |
| Harrison County, IA | 1 | Under 10 loans | 0.0% |
| Jewell County, KS | 1 | Under 10 loans | 0.0% |
| Butler County, NE | 1 | Under 10 loans | 50.0% |
| Otoe County, NE | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 0 | Under 10 loans | Not published |
| Saline County, NE | 0 | Under 10 loans | 100.0% |
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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.