Farmers and Merchants Bank of St. Clair at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
68th5.8% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 135 | 103 | 7.4% | 7.5% | — | $21M |
| 2024 | 134 | 91 | 14.2% | 14.3% | — | $25M |
| 2025 | 103 | 83 | 5.8% | 5.8% | — | $20M |
What Farmers and Merchants Bank of St. Clair lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 14 investment properties.
Who gets approved at Farmers and Merchants Bank of St. Clair
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 27 | 20 | 3.7% |
| $100k – $150k | 23 | 21 | 0.0% |
| $150k – $250k | 23 | 17 | 4.4% |
Where Farmers and Merchants Bank of St. Clair lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 103 | 83 | 5.8% | — | #262 |
Frequently asked questions
Farmers and Merchants Bank of St. Clair denied 5.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of small mortgage lenders.
In 2025, 53% of its applications were for home purchases, 31% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.