Farmers & Merchants State Bank
Farmers & Merchants State Bank received 87 applications in 2025 and made 74 mortgages, in 17 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $260,000. Of 82 decisions, 5 were denials — 6.1%. 13 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493006S21NZTF9Y1L04 |
|---|---|
| Applications received | 87 |
| Mortgages made | 74 |
| Denied | 5 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Farmers and Merchants State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 56 | Not published | $275,000 | 6.4% |
| Refinancing | 12 | Not published | $255,000 | 0.0% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where Farmers & Merchants State Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dane County, WI | 27 | Not published | 0.0% |
| Jefferson County, WI | 22 | Not published | 8.0% |
| Columbia County, WI | 5 | Under 10 loans | 0.0% |
| Dodge County, WI | 4 | Under 10 loans | 33.3% |
| Waukesha County, WI | 3 | Under 10 loans | 25.0% |
| Rock County, WI | 2 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Brown County, WI | 1 | Under 10 loans | 0.0% |
| Clark County, WI | 1 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 1 | Under 10 loans | 0.0% |
| Kenosha County, WI | 1 | Under 10 loans | 0.0% |
| Lafayette County, WI | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
| Vernon County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
| Washington County, WI | 1 | Under 10 loans | 0.0% |
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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.