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

The Farmers & Merchants State Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does The Farmers & Merchants State Bank offer mortgages?

The Farmers & Merchants State Bank offers mortgages in 6 states: FL, IN, KY, MI, OH, SC.

How competitive are The Farmers & Merchants State Bank's mortgage rates?

The Farmers & Merchants State Bank has an overall pricing score of 44.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

The Farmers & Merchants State Bank is a Bank headquartered in ARCHBOLD, OH.

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The Farmers & Merchants State Bank

Bank•Archbold, OHHQ•Direct•Reviews near you on Google

The Farmers & Merchants State Bank has 320 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

The Farmers & Merchants State Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+44.6 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

318 loans · 0.44% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

242 loans · 0.40% above market

Sound

Top 60% of lenders

3/5

Refinance

78 loans · 0.57% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	318	99.4%	+0.442%Above	$1,284Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume318

Mix99.4%

Spread

+0.442%Above

Fees

$1,284Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	242	75.6%	+0.402%Above	$1,191Fees
Refinance	Sound	Sound	Acceptable	Strong	78	24.4%	+0.569%Above	$1,535Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume242

Mix75.6%

Spread

+0.402%Above

Fees

$1,191Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume78

Mix24.4%

Spread

+0.569%Above

Fees

$1,535Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

320

Applications

428

Volume

$61 million

Pricing & Closing

Avg Rate Spread

+0.446%

vs. market APOR

Avg Net Fees

$1,282

Origination − Credits

Pullthrough Rate

74.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$190,656

Avg Borrower Income

$123,544

Avg Property Value

$275,062

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest3

INMIOH

South3

FLKYSC

Top Metro Areas by Place Specialization Score

Toledo, OHMetro

Volume 58Mix 18.12% of portfolio

72/100

Strong

Fort Wayne, INMetro

Volume 20Mix 6.25% of portfolio

52/100

Sound

Top States by Place Specialization Score

OhioState

Volume 194Mix 60.62% of portfolio

72/100

Strong

IndianaState

Volume 110Mix 34.38% of portfolio

66/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.