Farmers & Merchants Savings Bank
Farmers & Merchants Savings Bank received 104 applications in 2025 and made 86 mortgages, in 32 counties across 8 states. The median rate its borrowers got was Not published on a median loan of $215,000. Of 95 decisions, 5 were denials — 5.3%.
| Legal Entity Identifier | 5493003SVUBV3VW5CT40 |
|---|---|
| Applications received | 104 |
| Mortgages made | 86 |
| Denied | 5 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Farmers & Merchants Savings Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 48 | Not published | $245,000 | 1.9% |
| Refinancing | 14 | Not published | $210,000 | 12.5% |
| Cash-out refinancing | 17 | Not published | $105,000 | 5.6% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 12.5% |
Where Farmers & Merchants Savings Bank lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jones County, IA | 16 | Not published | 5.3% |
| Linn County, IA | 12 | Not published | 7.7% |
| Delaware County, IA | 11 | Not published | 0.0% |
| Ramsey County, MN | 6 | Under 10 loans | 0.0% |
| Anoka County, MN | 3 | Under 10 loans | 0.0% |
| Chisago County, MN | 3 | Under 10 loans | 0.0% |
| Washington County, MN | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Clayton County, IA | 2 | Under 10 loans | 0.0% |
| Dubuque County, IA | 2 | Under 10 loans | 25.0% |
| Polk County, IA | 2 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 2 | Under 10 loans | 0.0% |
| Stearns County, MN | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 50.0% |
| Benton County, IA | 1 | Under 10 loans | 0.0% |
| Buchanan County, IA | 1 | Under 10 loans | 0.0% |
| Fayette County, IA | 1 | Under 10 loans | 0.0% |
| Iowa County, IA | 1 | Under 10 loans | 0.0% |
| Marion County, IA | 1 | Under 10 loans | 0.0% |
| Scott County, IA | 1 | Under 10 loans | 0.0% |
| Washington County, IA | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 50.0% |
| Itasca County, MN | 1 | Under 10 loans | 0.0% |
| Pine County, MN | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 1 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| St. Croix County, WI | 1 | Under 10 loans | 0.0% |
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When Farmers & Merchants Savings 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.