LEI 549300ELFWNRX6MLE444 · LAKELAND, GA
Farmers and Merchants Bank
Denial sits in the lower fleet tercile at 4.8% across 336 HMDA applications, fewer outright refusals than the bulk of the corpus.
Denial tercile vs fleet
Farmers and Merchants Bank posts a 4.8% denial rate, below the fleet's lower tercile (~5.61%) - across 336 applications with 301 originations. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 89.6%
- Origination share
- 301
- Originated
- 4.8%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
336reported applications
Where Farmers and Merchants Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
301 Top 34% higher than 66% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Farmers and Merchants Bank
Application volume by HMDA loan type in this lender's 2024 book.
Mid-volume reporter. Farmers and Merchants Bank's 89.6% origination rate and 4.8% denial rate sit on a mid-tercile originated book (301 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Program weight concentrates in Conventional (336 applications).
How to read Farmers and Merchants Bank. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Farmers and Merchants Bank
Farmers and Merchants Bank filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 336 | 301 | 16 | $120,982 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Farmers and Merchants Bank (LEI: 549300ELFWNRX6MLE444) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Refinancing | 178 | 173 | $119,438 |
| Home Purchase | 104 | 82 | $161,635 |
| Home Improvement | 33 | 27 | $39,545 |
| Other | 21 | 19 | $60,714 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 233 | 89.7% | 4.3% |
| Black or African American * | 31 | 67.7% | 19.4% |
| Joint * | 2 | 50.0% | 0.0% |
| American Indian or Alaska Native * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 260 | 87.3% | 5.8% |
| Hispanic or Latino * | 5 | 80.0% | 0.0% |
| Joint * | 2 | 50.0% | 50.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in GA
Other HMDA-reporting lenders in GA with similar activity. Compare any two side-by-side.
One of 121 other HMDA-reporting lenders in GA, 5 are shown here.
Amerisave Mortgage Company
SANDY SPRINGS, GA
Ameris Bank
Atlanta, GA
Equity Prime Mortgage LLC
Atlanta, GA
Renasant Bank
JOHNS CREEK, GA
Synovus Bank
COLUMBUS, GA
Read with Farmers and Merchants Bank
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Farmers and Merchants Bank (LEI 549300ELFWNRX6MLE444).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Farmers and Merchants Bank.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Farmers and Merchants Bank page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.