The Farmers & Merchants Bank
The Farmers & Merchants Bank received 465 applications in 2025 and made 329 mortgages, in 32 counties across 4 states. The median rate its borrowers got was 7.750% on a median loan of $125,000. Of 416 decisions, 62 were denials — 14.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930009DUZUXUZIDL84 |
|---|---|
| Applications received | 465 |
| Mortgages made | 329 |
| Denied | 62 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 49 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.952 points |
| FDIC-insured bank | Yes: Farmers and Merchants Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 164 | 7.875% | $145,000 | 13.5% |
| Refinancing | 122 | 7.750% | $150,000 | 13.6% |
| Other purposes | 43 | 7.900% | $35,000 | 22.6% |
Where The Farmers & Merchants 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 |
|---|---|---|---|
| Baxter County, AR | 55 | 7.650% | 15.9% |
| Washington County, AR | 51 | 7.650% | 5.3% |
| Randolph County, AR | 45 | 7.900% | 4.2% |
| Arkansas County, AR | 41 | 8.000% | 18.9% |
| Prairie County, AR | 29 | 8.125% | 27.9% |
| Craighead County, AR | 27 | 7.375% | 13.9% |
| Benton County, AR | 16 | 7.825% | 15.8% |
| Perry County, AR | 13 | 8.250% | 17.7% |
| Conway County, AR | 10 | 8.050% | 15.4% |
| Lawrence County, AR | 5 | Under 10 loans | 0.0% |
| Marion County, AR | 5 | Under 10 loans | 12.5% |
| Greene County, AR | 4 | Under 10 loans | 0.0% |
| Lonoke County, AR | 4 | Under 10 loans | 20.0% |
| Sharp County, AR | 4 | Under 10 loans | 0.0% |
| Independence County, AR | 3 | Under 10 loans | 0.0% |
| White County, AR | 3 | Under 10 loans | 0.0% |
| Madison County, AR | 2 | Under 10 loans | 0.0% |
| Pulaski County, AR | 2 | Under 10 loans | 0.0% |
| Van Buren County, AR | 2 | Under 10 loans | 0.0% |
| Faulkner County, AR | 1 | Under 10 loans | 50.0% |
| Fulton County, AR | 1 | Under 10 loans | 0.0% |
| Poinsett County, AR | 1 | Under 10 loans | 0.0% |
| Sebastian County, AR | 1 | Under 10 loans | 0.0% |
| Woodruff County, AR | 1 | Under 10 loans | 66.7% |
| Yell County, AR | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Ozark County, MO | 1 | Under 10 loans | 50.0% |
| Izard County, AR | 0 | Under 10 loans | 100.0% |
| Mississippi County, AR | 0 | Under 10 loans | Not published |
| Monroe County, AR | 0 | Under 10 loans | 66.7% |
| Scott County, AR | 0 | Under 10 loans | 100.0% |
| Okaloosa County, FL | 0 | Under 10 loans | Not published |
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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.