FARMERS AND MERCHANTS BANK
FARMERS AND MERCHANTS BANK received 59 applications in 2025 and made 46 mortgages, in 8 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $340,000. Of 51 decisions, 3 were denials — 5.9%.
| Legal Entity Identifier | 549300MKTQIOL1FBNZ12 |
|---|---|
| Applications received | 59 |
| Mortgages made | 46 |
| Denied | 3 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Farmers and Merchants Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 42 | Not published | $340,000 | 4.4% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where FARMERS AND MERCHANTS BANK lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Carroll County, MD | 24 | Not published | 7.7% |
| Baltimore County, MD | 13 | Not published | 7.1% |
| Sussex County, DE | 2 | Under 10 loans | 0.0% |
| Baltimore city, MD | 2 | Under 10 loans | 0.0% |
| Adams County, PA | 2 | Under 10 loans | 0.0% |
| York County, PA | 2 | Under 10 loans | 0.0% |
| Dorchester County, MD | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 0 | Under 10 loans | 0.0% |
Get told when this changes
When FARMERS AND MERCHANTS BANK’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.