Farmers and Merchants Bank of St. Clair in Missouri vs the state
5.8%Denial rate-9.24 pts vs state
5.8%Decision denial rate-12.87 pts vs state
80.6%Origination rate+17.92 pts vs state
—Median rate
—Rate spread (pts)
$103kMedian applicant income
83Loans originated
6Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 103 | 7.4% | — | #196 |
| 2024 | 134 | 91 | 14.2% | — | #211 |
| 2025 | 103 | 83 | 5.8% | — | #262 |
What Farmers and Merchants Bank of St. Clair lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Farmers and Merchants Bank of St. Clair applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 37 | 31 | 4 | 10.8% |
| Jefferson County | 23 | 16 | 1 | 4.3% |
| St. Louis County | 16 | 13 | 1 | 6.3% |
| St. Charles County | 11 | 9 | 0 | 0.0% |
| St. Louis city | 3 | 3 | 0 | 0.0% |
| Crawford County | 3 | 3 | 0 | 0.0% |
| Warren County | 2 | 1 | 0 | 0.0% |
| Pulaski County | 2 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 103 applications in 2025, of which 83 were originated and 6 denied.
5.8% of all applications, or 5.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
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 St. Clair's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology