Farmers & Merchants Bank of Central California mortgage approval rate & lending review
Farmers & Merchants Bank of Central California decided 542 mortgage applications and funded 341 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Farmers & Merchants Bank of Central California reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Farmers & Merchants Bank of Central California at a glance
Approval is 8.6 points below the 73.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 73% | 105 / 144 | 97% | $385K | 102 |
| Home improvement loans | 63% | 123 / 195 | 96% | $65K | 118 |
| Refinance | 60% | 73 / 121 | 95% | $275K | 69 |
| Investment refinance | 61% | 23 / 38 | 100% | $225K | 23 |
Farmers & Merchants Bank of Central California lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 65% | $275K | 541 | 340 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Farmers & Merchants Bank of Central California lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Stanislaus County, CA | Home improvement loans | 60% | 82 | 47 |
| San Joaquin County, CA | Home improvement loans | 68% | 72 | 46 |
| Stanislaus County, CA | Mortgage lenders | 67% | 60 | 40 |
| Stanislaus County, CA | Refinance | 55% | 67 | 36 |
| San Joaquin County, CA | Refinance | 65% | 26 | 17 |
The county markets where Farmers & Merchants Bank of Central California made the most loans. Each link opens that market with every lender ranked.
Questions about Farmers & Merchants Bank of Central California
What is Farmers & Merchants Bank of Central California's mortgage approval rate?
Farmers & Merchants Bank of Central California approved 65.3% of the 542 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points below the 73.9% national rate for the same mix of loan types.
How often do borrowers take the loan Farmers & Merchants Bank of Central California offers?
Borrowers accepted 96% of the loans Farmers & Merchants Bank of Central California approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Farmers & Merchants Bank of Central California make?
The typical home improvement loan loan Farmers & Merchants Bank of Central California made was $65K; across all loan types its typical loan ran from $65K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Farmers & Merchants Bank of Central California lend?
Farmers & Merchants Bank of Central California decided applications in 2 of the states Fat Boy Data covers, most of them in California and Arizona.
Can I apply to Farmers & Merchants Bank of Central California directly?
Yes. Farmers & Merchants Bank of Central California is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Farmers & Merchants Bank of Central California's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Farmers & Merchants Bank of Central California treats applications, then get a rate quote from the lender.