Farmers & Merchants Bank of Central California
Farmers & Merchants Bank of Central California received 216 applications in 2025 and made 132 mortgages, in 17 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $215,000. Of 211 decisions, 73 were denials — 34.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | OZ7MS5KHJY6WIPGXQW23 |
|---|---|
| Applications received | 216 |
| Mortgages made | 132 |
| Denied | 73 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Farmers & Merchants Bank of Central California, 34 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 39 | Not published | $395,000 | 21.6% |
| Refinancing | 34 | Not published | $300,000 | 35.7% |
| Other purposes | 59 | Not published | $75,000 | 40.4% |
Where Farmers & Merchants Bank of Central California lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stanislaus County, CA | 52 | Not published | 33.3% |
| San Joaquin County, CA | 37 | Not published | 34.4% |
| Merced County, CA | 13 | Not published | 33.3% |
| Sacramento County, CA | 12 | Not published | 36.8% |
| Contra Costa County, CA | 8 | Under 10 loans | 20.0% |
| Solano County, CA | 3 | Under 10 loans | 50.0% |
| Butte County, CA | 1 | Under 10 loans | 0.0% |
| Calaveras County, CA | 1 | Under 10 loans | 50.0% |
| Napa County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 50.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 50.0% |
| Alameda County, CA | 0 | Under 10 loans | Not published |
| Amador County, CA | 0 | Under 10 loans | 100.0% |
| Fresno County, CA | 0 | Under 10 loans | 100.0% |
| Shasta County, CA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Farmers & Merchants Bank of Central California’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.