LEI 5493001IZBTDOCW8MX74 · SAINT CLAIR, MO
Farmers and Merchants Bank of St. Clair
Denial sits in the upper fleet tercile at 14.2% across 134 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
Farmers and Merchants Bank of St. Clair posts a 14.2% denial rate, above the fleet's upper tercile (~13.79%) - across 134 applications with 91 originations. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 67.9%
- Origination share
- 91
- Originated
- 14.2%
- 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
134reported applications
Where Farmers and Merchants Bank of St. Clair sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
91 38th percentile higher than 38% 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 of St. Clair's 67.9% origination rate and 14.2% denial rate sit on a mid-tercile originated book (91 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 (132 applications).
How to read Farmers and Merchants Bank of St. Clair. 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 of St. Clair 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 | 132 | 91 | 19 | $236,439 |
| VA | 1 | 0 | 0 | $455,000 |
| USDA | 1 | 0 | 0 | $175,000 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Farmers and Merchants Bank of St. Clair (LEI: 5493001IZBTDOCW8MX74) · 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 |
|---|---|---|---|
| Home Purchase | 68 | 44 | $292,353 |
| Refinancing | 30 | 24 | $300,667 |
| Other | 25 | 15 | $89,800 |
| Home Improvement | 8 | 7 | $37,500 |
| Cash-out Refinancing | 3 | 1 | $131,667 |
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 | 108 | 65.7% | 16.7% |
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 | 107 | 66.4% | 15.9% |
Nearby Lenders in MO
Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.
One of 154 other HMDA-reporting lenders in MO, 5 are shown here.
Mortgage Research Center
Columbia, MO
Nbkc Bank
KANSAS CITY, MO
Flat Branch Mortgage, INC.
COLUMBIA, MO
Das Acquisition Company, LLC
SAINT LOUIS, MO
The Central Trust Bank
JEFFERSON CITY, MO
Read with Farmers and Merchants Bank of St. Clair
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Farmers and Merchants Bank of St. Clair (LEI 5493001IZBTDOCW8MX74).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Farmers and Merchants Bank of St. Clair.
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 of St. Clair 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.