The Farmers & Merchants State Bank Mortgage Lending & HMDA Data, 2012
In 2012, The Farmers & Merchants State Bank of Archbold, OH reported 1,494 mortgage applications totaling $162.6 million, up 41% from 2011. The average application was for $108,803, and applicants reported an average income of $69,680. 71% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Toledo, OH (680), Fort Wayne, IN (6) and Monroe, MI (6) (applications in parentheses).
| Mortgage Company & Address | The Farmers & Merchants State Bank 307 N Defiance St Archbold, OH 43502 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,494 |
| Total Mortgage Loan Application Amount | $162,552,000 |
| Average Mortgage Loan Application Amount | $108,803 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $69,680 |
| Highest Applicant Income | $1,920,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Farmers & Merchants State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton, Ohio | 507 | $ 50,525,000 | $ 99,654 | $ 60,000 |
| Williams, Ohio | 354 | $ 28,644,000 | $ 80,915 | $ 58,000 |
| Defiance, Ohio | 127 | $ 13,427,000 | $ 105,724 | $ 61,000 |
| Henry, Ohio | 121 | $ 12,315,000 | $ 101,776 | $ 61,000 |
| Lucas, Ohio | 120 | $ 18,910,000 | $ 157,583 | $ 114,000 |
| DeKalb, Indiana | 59 | $ 5,894,000 | $ 99,898 | $ 56,000 |
| Steuben, Indiana | 53 | $ 8,462,000 | $ 159,660 | $ 97,000 |
| Wood, Ohio | 52 | $ 8,962,000 | $ 172,346 | $ 93,000 |
| Hillsdale, Michigan | 18 | $ 2,916,000 | $ 162,000 | $ 83,000 |
| Lenawee, Michigan | 12 | $ 1,761,000 | $ 146,750 | $ 241,000 |
| Paulding, Ohio | 11 | $ 1,239,000 | $ 112,636 | $ 62,000 |
| Branch, Michigan | 9 | $ 2,072,000 | $ 230,222 | $ 146,000 |
| Allen, Indiana | 6 | $ 598,000 | $ 99,666 | $ 55,000 |
| Noble, Indiana | 6 | $ 404,000 | $ 67,333 | $ 51,000 |
| Monroe, Michigan | 6 | $ 909,000 | $ 151,500 | $ 135,000 |
| Putnam, Ohio | 4 | $ 364,000 | $ 91,000 | $ 66,000 |
| LaGrange, Indiana | 2 | $ 272,000 | $ 136,000 | $ 109,000 |
| Washtenaw, Michigan | 2 | $ 593,000 | $ 296,500 | $ 28,000 |
| Delaware, Ohio | 2 | $ 533,000 | $ 266,500 | $ 460,000 |
| Hancock, Ohio | 2 | $ 213,000 | $ 106,500 | $ 74,000 |
| Lake, Florida | 1 | $ 66,000 | $ 66,000 | $ 27,000 |
| Marion, Florida | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 124,000 | $ 124,000 | $ 148,000 |
| Volusia, Florida | 1 | $ 450,000 | $ 450,000 | $ 308,000 |
| Kane, Illinois | 1 | $ 136,000 | $ 136,000 | $ 77,000 |
| Elkhart, Indiana | 1 | $ 90,000 | $ 90,000 | $ 64,000 |
| Grant, Indiana | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Marion, Indiana | 1 | $ 1,080,000 | $ 1,080,000 | $ 0 |
| Crawford, Michigan | 1 | $ 173,000 | $ 173,000 | $ 239,000 |
| Genesee, Michigan | 1 | $ 65,000 | $ 65,000 | $ 165,000 |
| Ingham, Michigan | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Mackinac, Michigan | 1 | $ 91,000 | $ 91,000 | $ 66,000 |
| Clay, Missouri | 1 | $ 4,000 | $ 4,000 | $ 23,000 |
| Mecklenburg, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Butler, Ohio | 1 | $ 199,000 | $ 199,000 | $ 87,000 |
| Cuyahoga, Ohio | 1 | $ 120,000 | $ 120,000 | $ 64,000 |
| Hardin, Ohio | 1 | $ 89,000 | $ 89,000 | $ 83,000 |
| Montgomery, Ohio | 1 | $ 37,000 | $ 37,000 | $ 76,000 |
| Ottawa, Ohio | 1 | $ 214,000 | $ 214,000 | $ 63,000 |
| Sandusky, Ohio | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Union, Ohio | 1 | $ 97,000 | $ 97,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for The Farmers & Merchants State Bank in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,075 | $124,189,000 | $115,000 | $1,800,000 | $73,000 | $1,920,000 |
| Home Purchase | 297 | $29,869,000 | $100,000 | $1,080,000 | $60,000 | $382,000 |
| Home Improvement | 122 | $8,494,000 | $69,000 | $280,000 | $64,000 | $247,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,318 | $136,310,000 | $103,000 | $648,000 | $75,000 | $1,920,000 |
| Not applicable | 59 | $16,649,000 | $282,000 | $1,800,000 | $0 | $0 |
| Not Provided | 57 | $4,796,000 | $84,000 | $377,000 | $42,000 | $224,000 |
| Hispanic | 45 | $3,268,000 | $72,000 | $216,000 | $48,000 | $123,000 |
| American Indian or Alaskan Native | 6 | $410,000 | $68,000 | $98,000 | $58,000 | $138,000 |
| Asian | 5 | $718,000 | $143,000 | $252,000 | $89,000 | $184,000 |
| Black or African American | 4 | $401,000 | $100,000 | $311,000 | $89,000 | $233,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,489 | $162,051,000 | $108,000 | $1,800,000 | $70,000 | $1,920,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $186,000 | $93,000 | $96,000 | $43,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 2 | $258,000 | $129,000 | $177,000 | $42,000 | $61,000 |
| FHA-insured (Federal Housing Administration) | 1 | $57,000 | $57,000 | $57,000 | $36,000 | $36,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,060 | $111,040,000 | $104,000 | $1,800,000 | $73,000 | $1,920,000 |
| Application Denied By Financial Institution | 259 | $26,011,000 | $100,000 | $648,000 | $61,000 | $450,000 |
| Application Withdrawn By Applicant | 87 | $9,548,000 | $109,000 | $417,000 | $84,000 | $1,016,000 |
| Application Approved But Not Accepted | 47 | $5,144,000 | $109,000 | $300,000 | $78,000 | $239,000 |
| Loan Purchased By The Institution | 37 | $10,256,000 | $277,000 | $1,100,000 | $0 | $0 |
| File Closed For Incompleteness | 4 | $553,000 | $138,000 | $243,000 | $86,000 | $124,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 104 | $7,395,000 | $71,000 | $280,000 | $50,000 | $222,000 |
| Collateral | 66 | $8,523,000 | $129,000 | $416,000 | $87,000 | $450,000 |
| Debt-To-Income Ratio | 49 | $5,498,000 | $112,000 | $410,000 | $42,000 | $77,000 |
| Other | 24 | $2,599,000 | $108,000 | $648,000 | $68,000 | $131,000 |
| Credit Application Incomplete | 7 | $1,363,000 | $194,000 | $368,000 | $106,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $261,000 | $65,000 | $183,000 | $45,000 | $97,000 |
| Employment History | 3 | $176,000 | $58,000 | $112,000 | $64,000 | $68,000 |
| Unverifiable Information | 1 | $172,000 | $172,000 | $172,000 | $56,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Farmers & Merchants State Bank's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Farmers & Merchants State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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