Farmers & Merchants Bank of Central California in California vs the state
33.8%Denial rate+16.38 pts vs state
34.6%Decision denial rate+12.20 pts vs state
61.1%Origination rate+4.91 pts vs state
—Median rate
—Rate spread (pts)
$130kMedian applicant income
132Loans originated
73Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 302 | 182 | 35.1% | — | #286 |
| 2024 | 234 | 133 | 37.2% | — | #328 |
| 2025 | 216 | 132 | 33.8% | — | #354 |
What Farmers & Merchants Bank of Central California lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Farmers & Merchants Bank of Central California applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stanislaus County | 84 | 52 | 27 | 32.1% |
| San Joaquin County | 61 | 37 | 21 | 34.4% |
| Merced County | 22 | 13 | 7 | 31.8% |
| Sacramento County | 19 | 12 | 7 | 36.8% |
| Contra Costa County | 10 | 8 | 2 | 20.0% |
| Solano County | 6 | 3 | 3 | 50.0% |
| Placer County | 2 | 1 | 1 | 50.0% |
| Yolo County | 2 | 1 | 1 | 50.0% |
| Calaveras County | 2 | 1 | 1 | 50.0% |
| Butte County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 216 applications in 2025, of which 132 were originated and 73 denied.
33.8% of all applications, or 34.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
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 of Central California's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology