Farmers & Merchants Bank
Farmers & Merchants Bank received 346 applications in 2025 and made 301 mortgages, in 29 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $65,000. Of 335 decisions, 21 were denials — 6.3%.
| Legal Entity Identifier | 549300ELFWNRX6MLE444 |
|---|---|
| Applications received | 346 |
| Mortgages made | 301 |
| Denied | 21 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 11 |
| 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 | 89 | Not published | $105,000 | 11.4% |
| Refinancing | 187 | Not published | $65,000 | 1.0% |
| Other purposes | 25 | Not published | $35,000 | 21.2% |
Where Farmers & Merchants Bank lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lowndes County, GA | 77 | Not published | 2.4% |
| Lanier County, GA | 62 | Not published | 10.5% |
| Berrien County, GA | 59 | Not published | 12.7% |
| Clinch County, GA | 49 | Not published | 0.0% |
| Cook County, GA | 16 | Not published | 0.0% |
| Brooks County, GA | 5 | Under 10 loans | 0.0% |
| Ware County, GA | 5 | Under 10 loans | 0.0% |
| Thomas County, GA | 3 | Under 10 loans | 0.0% |
| Bradford County, FL | 2 | Under 10 loans | 0.0% |
| Nassau County, FL | 2 | Under 10 loans | 0.0% |
| Atkinson County, GA | 2 | Under 10 loans | 33.3% |
| Bleckley County, GA | 2 | Under 10 loans | 0.0% |
| Pierce County, GA | 2 | Under 10 loans | 0.0% |
| Hamilton County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Baldwin County, GA | 1 | Under 10 loans | 0.0% |
| Dougherty County, GA | 1 | Under 10 loans | 0.0% |
| Echols County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Grady County, GA | 1 | Under 10 loans | 0.0% |
| Greene County, GA | 1 | Under 10 loans | 0.0% |
| Irwin County, GA | 1 | Under 10 loans | 0.0% |
| Lamar County, GA | 1 | Under 10 loans | 0.0% |
| Newton County, GA | 1 | Under 10 loans | 0.0% |
| Putnam County, GA | 1 | Under 10 loans | 0.0% |
| Rockdale County, GA | 1 | Under 10 loans | 0.0% |
| Wayne County, GA | 1 | Under 10 loans | 0.0% |
| Colquitt County, GA | 0 | Under 10 loans | 100.0% |
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When Farmers & Merchants 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.