Farmers & Merchants Bank in Georgia vs the state
6.2%Denial rate-13.03 pts vs state
6.4%Decision denial rate-18.67 pts vs state
86.7%Origination rate+32.64 pts vs state
—Median rate
—Rate spread (pts)
$74kMedian applicant income
294Loans originated
21Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 304 | 269 | 3.6% | — | #173 |
| 2024 | 332 | 297 | 4.8% | — | #178 |
| 2025 | 339 | 294 | 6.2% | — | #191 |
What Farmers & Merchants Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Farmers & Merchants Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lowndes County | 86 | 77 | 2 | 2.3% |
| Lanier County | 78 | 62 | 8 | 10.3% |
| Berrien County | 75 | 59 | 9 | 12.0% |
| Clinch County | 50 | 49 | 0 | 0.0% |
| Cook County | 17 | 16 | 0 | 0.0% |
| Brooks County | 5 | 5 | 0 | 0.0% |
| Ware County | 5 | 5 | 0 | 0.0% |
| Thomas County | 3 | 3 | 0 | 0.0% |
| Atkinson County | 3 | 2 | 1 | 33.3% |
| Pierce County | 2 | 2 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 339 applications in 2025, of which 294 were originated and 21 denied.
6.2% of all applications, or 6.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Farmers & Merchants Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology