The Farmers & Merchants Bank in Arkansas vs the state
13.2%Denial rate-4.96 pts vs state
14.8%Decision denial rate-8.36 pts vs state
70.9%Origination rate+14.10 pts vs state
7.79%Median rate+1.17 pts vs state
1.95Rate spread (pts)+1.61 pts vs state
$76kMedian applicant income
327Loans originated
61Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 471 | 330 | 15.7% | 8.00% | #50 |
| 2024 | 452 | 323 | 16.2% | 8.75% | #52 |
| 2025 | 461 | 327 | 13.2% | 7.79% | #57 |
What The Farmers & Merchants Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most The Farmers & Merchants Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baxter County | 82 | 55 | 11 | 13.4% |
| Washington County | 62 | 51 | 3 | 4.8% |
| Arkansas County | 61 | 41 | 10 | 16.4% |
| Randolph County | 51 | 45 | 2 | 3.9% |
| Prairie County | 46 | 29 | 12 | 26.1% |
| Craighead County | 39 | 27 | 5 | 12.8% |
| Benton County | 22 | 16 | 3 | 13.6% |
| Perry County | 18 | 13 | 3 | 16.7% |
| Conway County | 14 | 10 | 2 | 14.3% |
| Marion County | 11 | 5 | 1 | 9.1% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 461 applications in 2025, of which 327 were originated and 61 denied.
13.2% of all applications, or 14.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans The Farmers & Merchants Bank originated in Arkansas in 2025 was 7.79%, against a statewide median of 6.63%.
About this data. Figures are The Farmers & Merchants Bank's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology