Farmers and Merchants Union Bank
Farmers and Merchants Union Bank received 112 applications in 2025 and made 86 mortgages, in 12 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 99 decisions, 9 were denials — 9.1%.
| Legal Entity Identifier | 549300YHR41F57LS0R28 |
|---|---|
| Applications received | 112 |
| Mortgages made | 86 |
| Denied | 9 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Farmers and Merchants Union Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 43 | Not published | $205,000 | 11.8% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 24 | Not published | $125,000 | 4.0% |
| Other purposes | 12 | Not published | $60,000 | 13.3% |
Where Farmers and Merchants Union Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Columbia County, WI | 37 | Not published | 5.0% |
| Rock County, WI | 20 | Not published | 9.1% |
| Dodge County, WI | 12 | Not published | 16.7% |
| Dane County, WI | 7 | Under 10 loans | 12.5% |
| Green Lake County, WI | 4 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Lafayette County, WI | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
| Walworth County, WI | 1 | Under 10 loans | 0.0% |
| Washington County, WI | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 0 | Under 10 loans | 100.0% |
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When Farmers and Merchants Union Bank’s figures are published for the next year, or restated.
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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.