Farmers and Merchants Bank of Long Beach in California vs the state
18.5%Denial rate+1.10 pts vs state
25.6%Decision denial rate+3.24 pts vs state
52.8%Origination rate-3.42 pts vs state
—Median rate
—Rate spread (pts)
$145kMedian applicant income
57Loans originated
20Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 73 | 34.1% | — | #386 |
| 2024 | 74 | 48 | 18.9% | — | #481 |
| 2025 | 108 | 57 | 18.5% | — | #429 |
What Farmers and Merchants Bank of Long Beach lends in California
By loan purpose
By loan type
Where in California
Counties with the most Farmers and Merchants Bank of Long Beach applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 54 | 22 | 13 | 24.1% |
| Orange County | 37 | 22 | 7 | 18.9% |
| Santa Barbara County | 5 | 5 | 0 | 0.0% |
| San Bernardino County | 5 | 4 | 0 | 0.0% |
| San Diego County | 3 | 1 | 0 | 0.0% |
| Riverside County | 3 | 3 | 0 | 0.0% |
| Sonoma County | 1 | 0 | 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: 108 applications in 2025, of which 57 were originated and 20 denied.
18.5% of all applications, or 25.6% 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 and Merchants Bank of Long Beach'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