LEI 54930009DUZUXUZIDL84 · Stuggart, AR
The Farmers & Merchants Bank
Originated-loan volume lands in the upper fleet tercile (326 funded) among 459 reported applications in the 2024 HMDA Snapshot.
Originated-volume tercile vs fleet
The Farmers & Merchants Bank funded 326 mortgages, upper fleet tercile (above ~310 originations), ranking #1,576 of 4,908 by originated-loan volume and sits below the 1,000-application origination-share board (459 applications).
- n/a
- Below 1,000-app share board
- 71.0%
- Origination share
- 326
- Originated
- 16.1%
- 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
459reported applications
Where The Farmers & Merchants Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
326 Top 32% higher than 68% 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 · The Farmers & Merchants Bank
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · The Farmers & Merchants Bank
Lender-reported HMDA denial-reason counts (top reasons shown).
High-volume book. The Farmers & Merchants Bank funded 326 mortgages, above the fleet upper tercile (~310 originations) - so absolute denial and purpose counts matter more here than at thin reporters. Most-cited denial codes: Credit history, Debt-to-income ratio, Collateral. Program weight concentrates in Conventional (459 applications).
How to read The Farmers & 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 · The Farmers & Merchants Bank
The Farmers & 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 | 459 | 326 | 74 | $227,048 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for The Farmers & Merchants Bank (LEI: 54930009DUZUXUZIDL84) · 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 | 267 | 199 | $304,775 |
| Refinancing | 79 | 57 | $195,506 |
| Home Improvement | 59 | 44 | $58,559 |
| Other | 54 | 26 | $72,963 |
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 | 347 | 68.3% | 16.4% |
| Black or African American * | 12 | 50.0% | 41.7% |
| Asian * | 8 | 62.5% | 25.0% |
| Joint * | 6 | 66.7% | 16.7% |
| American Indian or Alaska Native * | 2 | 50.0% | 50.0% |
* 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 | 348 | 68.4% | 17.8% |
| Hispanic or Latino * | 11 | 36.4% | 36.4% |
| Joint * | 4 | 75.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in AR
Other HMDA-reporting lenders in AR with similar activity. Compare any two side-by-side.
One of 64 other HMDA-reporting lenders in AR, 5 are shown here.
Bank of England
ENGLAND, AR
Simmons Bank
PINE BLUFF, AR
Centennial Bank
Conway, AR
Bank Ozk
LITTLE ROCK, AR
Arkansas Federal Credit Union
LITTLE ROCK, AR
Read with The Farmers & Merchants Bank
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for The Farmers & Merchants Bank (LEI 54930009DUZUXUZIDL84).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at The Farmers & 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 The Farmers & 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.