# The Farmers & Merchants Bank

> **Canonical URL:** https://saferate.com/lenders/the-farmers-merchants-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Farmers & Merchants Bank is a bank, headquartered in Stuttgart, AR, serving borrowers across 2 states, with 152 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930009DUZUXUZIDL84
- **Headquarters:** Stuttgart, AR
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AR, MS
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 152
- **Dollar Volume:** $34 million
- **Applications Received:** 222
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $226,711
- **Average Borrower Income:** $128,711
- **Average Property Value:** $327,697

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 148 | -0.189% | $1,913 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 117 loans, Score: 39/100 (Acceptable)
- Refinance: 31 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 118 | $26M | -0.308% | Acceptable 🙂 |
| Refinance | 42/100 | 34 | $8M | -0.149% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 150 | 0.47% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 106 | 61/100 |
| Fayetteville | AR | 30 | 60/100 |

## Frequently Asked Questions

### What loan types does The Farmers & Merchants Bank offer?

The Farmers & Merchants Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Farmers & Merchants Bank offer mortgages?

The Farmers & Merchants Bank offers mortgages in 2 states: AR, MS.

### What type of lender is The Farmers & Merchants Bank?

The Farmers & Merchants Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Stuttgart, AR.

### What is The Farmers & Merchants Bank's loan approval success rate?

The Farmers & Merchants Bank has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-farmers-merchants-bank

### How to Cite

> "The Farmers & Merchants Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-farmers-merchants-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/the-farmers-merchants-bank)**