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Unclaimed

The Farmers & Merchants State Bank

Bank•ARCHBOLD, OH•Direct

The Farmers Merchants State Bank has 320 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
Conventional
Place
Strong
Multi-Region · 2 mkts

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Report Card

The Farmers & Merchants State Bank performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+44.6 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
31899.4%
+0.442%Above
$1,284Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Sound
24275.6%
+0.402%Above
$1,191Fees
Refinance
Sound
Sound
Acceptable
Strong
7824.4%
+0.569%Above
$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
2
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

FLINKYMIOHSC

Top Metro Areas by Place Specialization Score

1
Toledo, OH, OHMSA
Volume: 58Mix: 18.12%of portfolio
Place
Strong
2
Fort Wayne, IN, INMSA
Volume: 20Mix: 6.25%of portfolio
Place
Sound

Top States by Place Specialization Score

1
OHState
Volume: 194Mix: 60.62%of portfolio
Place
Strong
2
INState
Volume: 110Mix: 34.38%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

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

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.