Farmers-Merchants Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
54th8.7% deniedProcesswithdrawn + incomplete share, weight 15%
86th2.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 188 | 129 | 15.4% | 17.3% | — | $14M |
| 2024 | 143 | 111 | 12.6% | 13.1% | — | $14M |
| 2025 | 106 | 81 | 8.5% | 8.7% | — | $14M |
What Farmers-Merchants Bank & Trust 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, 31 manufactured homes, 46 investment properties.
Who gets approved at Farmers-Merchants Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 21 | 15 | 10.0% |
| $50k – $100k | 25 | 14 | 20.8% |
Where Farmers-Merchants Bank & Trust lends
1 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 106 | 81 | 8.5% | — | #173 |
Frequently asked questions
Farmers-Merchants Bank & Trust denied 8.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
In 2025, 26% of its applications were for home purchases, 65% for refinancing (including cash-out), and 8% 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.