Merchants & Farmers Bank & Trust in Louisiana vs the state
15.4%Denial rate-6.79 pts vs state
15.4%Decision denial rate-12.77 pts vs state
76.2%Origination rate+24.25 pts vs state
—Median rate
—Rate spread (pts)
$87kMedian applicant income
109Loans originated
22Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 117 | 10.3% | — | #139 |
| 2024 | 130 | 88 | 20.8% | — | #137 |
| 2025 | 143 | 109 | 15.4% | — | #142 |
What Merchants & Farmers Bank & Trust lends in Louisiana
By loan purpose
By loan type
Where in Louisiana
Counties with the most Merchants & Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Vernon Parish | 73 | 53 | 13 | 17.8% |
| Calcasieu Parish | 36 | 30 | 6 | 16.7% |
| Beauregard Parish | 10 | 8 | 2 | 20.0% |
| Sabine Parish | 6 | 4 | 0 | 0.0% |
| Natchitoches Parish | 5 | 5 | 0 | 0.0% |
| Allen Parish | 3 | 3 | 0 | 0.0% |
| Rapides Parish | 3 | 2 | 0 | 0.0% |
| Cameron Parish | 2 | 1 | 0 | 0.0% |
| Grant Parish | 2 | 2 | 0 | 0.0% |
| Jackson Parish | 1 | 0 | 0 | 0.0% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 7,057 | 49.0% | 10.10% |
| United Shore Financial Services | B | 6,264 | 13.1% | 6.38% |
| Rocket Mortgage | C | 5,770 | 25.9% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 4,370 | 45.6% | 10.50% |
| Triad Financial Services | D | 3,867 | 49.7% | 8.73% |
| Hancock Whitney Bank | B | 3,536 | 21.7% | 6.00% |
| Regions Bank | C | 3,356 | 45.8% | 6.00% |
| GMFS | A | 3,072 | 2.0% | 6.50% |
| Newrez | D | 2,664 | 21.1% | 6.50% |
| Dsld Mortgage | A | 2,545 | 6.3% | 6.13% |
Frequently asked questions
Louisiana: 143 applications in 2025, of which 109 were originated and 22 denied.
15.4% of all applications, or 15.4% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Merchants & Farmers Bank & Trust's own HMDA filing for properties located in Louisiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology