The Farmers & Merchants State Bank in Ohio vs the state
13.7%Denial rate-4.02 pts vs state
15.4%Decision denial rate-6.53 pts vs state
74.5%Origination rate+14.56 pts vs state
7.50%Median rate+0.63 pts vs state
0.28Rate spread (pts)-0.11 pts vs state
$76kMedian applicant income
659Loans originated
121Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 782 | 582 | 15.6% | 7.75% | #88 |
| 2024 | 705 | 515 | 16.6% | 8.00% | #103 |
| 2025 | 885 | 659 | 13.7% | 7.50% | #95 |
What The Farmers & Merchants State Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The Farmers & Merchants State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williams County | 225 | 176 | 31 | 13.8% |
| Fulton County | 203 | 159 | 23 | 11.3% |
| Defiance County | 97 | 73 | 12 | 12.4% |
| Lucas County | 71 | 50 | 12 | 16.9% |
| Henry County | 69 | 53 | 5 | 7.2% |
| Wood County | 50 | 37 | 7 | 14.0% |
| Shelby County | 44 | 30 | 10 | 22.7% |
| Clark County | 31 | 24 | 2 | 6.5% |
| Champaign County | 20 | 12 | 3 | 15.0% |
| Paulding County | 12 | 5 | 4 | 33.3% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 885 applications in 2025, of which 659 were originated and 121 denied.
13.7% of all applications, or 15.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans The Farmers & Merchants State Bank originated in Ohio in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are The Farmers & Merchants State Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology