Lender in Ohio · HMDA 2025
The Farmers & Merchants State Bank mortgages in Ohio
The Farmers & Merchants State Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
The Farmers & Merchants State Bank originated 200 owner-occupied single-family loans in Ohio from 230 completed applications.
Its median conventional purchase loan costs were $3,020 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.50% (Ohio: 6.625%).
Loans in OH
200
of 230 applications
Denial rate
8.6%
Purchase · OH 7.1%
Rate spread
+0.19 pts
Conv. · OH +0.22 pts
Loan amount
$155,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 186 | 169 | 8.6% | 6.500% | +0.19 pts | $3,020 | $155,000 |
| Refinance | 18 | 13 | — | — | — | — | — |
| Cash-out refinance | 26 | 18 | 30.8% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where The Farmers & Merchants State Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fulton County | 1 | 51 | 9.8% |
| Williams County | 3 | 56 | 11.8% |
| Henry County | 4 | 18 | 5.6% |
| Defiance County | 5 | 31 | 6.8% |
| Paulding County | 15 | 3 | 1.2% |
| Shelby County | 23 | 5 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology