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

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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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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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.