The Farmers & Merchants State Bank Mortgage Lending & HMDA Data, 2013
In 2013, The Farmers & Merchants State Bank of Archbold, OH reported 860 mortgage applications totaling $100.8 million, down 42% from 2012. The average application was for $117,205, and applicants reported an average income of $63,338. 69% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Toledo, OH (379), Fort Wayne, IN (12) and Cincinnati-Middletown, OH-KY-IN (3) (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 | 860 |
| Total Mortgage Loan Application Amount | $100,797,000 |
| Average Mortgage Loan Application Amount | $117,205 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $63,338 |
| Highest Applicant Income | $489,000 |
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The Farmers & Merchants State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 267 | $ 25,032,000 | $ 93,752 | $ 66,000 |
| Williams, Ohio | 206 | $ 15,541,000 | $ 75,441 | $ 50,000 |
| Henry, Ohio | 86 | $ 8,570,000 | $ 99,651 | $ 67,000 |
| Lucas, Ohio | 83 | $ 14,658,000 | $ 176,602 | $ 67,000 |
| Defiance, Ohio | 69 | $ 7,241,000 | $ 104,942 | $ 60,000 |
| Steuben, Indiana | 33 | $ 5,269,000 | $ 159,666 | $ 75,000 |
| Wood, Ohio | 29 | $ 3,817,000 | $ 131,620 | $ 85,000 |
| DeKalb, Indiana | 27 | $ 2,787,000 | $ 103,222 | $ 58,000 |
| Allen, Indiana | 12 | $ 5,351,000 | $ 445,916 | $ 38,000 |
| Lenawee, Michigan | 9 | $ 704,000 | $ 78,222 | $ 40,000 |
| Paulding, Ohio | 7 | $ 533,000 | $ 76,142 | $ 71,000 |
| Branch, Michigan | 5 | $ 947,000 | $ 189,400 | $ 81,000 |
| Hillsdale, Michigan | 5 | $ 436,000 | $ 87,200 | $ 72,000 |
| Hamilton, Ohio | 3 | $ 3,106,000 | $ 1,035,333 | $ 146,000 |
| Monroe, Michigan | 2 | $ 451,000 | $ 225,500 | $ 128,000 |
| St. Joseph, Michigan | 2 | $ 142,000 | $ 71,000 | $ 52,000 |
| Maricopa, Arizona | 1 | $ 168,000 | $ 168,000 | $ 79,000 |
| Pinellas, Florida | 1 | $ 1,550,000 | $ 1,550,000 | $ 0 |
| Volusia, Florida | 1 | $ 208,000 | $ 208,000 | $ 382,000 |
| Camden, Georgia | 1 | $ 3,081,000 | $ 3,081,000 | $ 0 |
| Marion, Indiana | 1 | $ 64,000 | $ 64,000 | $ 105,000 |
| Noble, Indiana | 1 | $ 92,000 | $ 92,000 | $ 33,000 |
| Berrien, Michigan | 1 | $ 150,000 | $ 150,000 | $ 85,000 |
| Ingham, Michigan | 1 | $ 107,000 | $ 107,000 | $ 80,000 |
| Jackson, Michigan | 1 | $ 151,000 | $ 151,000 | $ 489,000 |
| Oscoda, Michigan | 1 | $ 22,000 | $ 22,000 | $ 93,000 |
| Allen, Ohio | 1 | $ 76,000 | $ 76,000 | $ 23,000 |
| Miami, Ohio | 1 | $ 208,000 | $ 208,000 | $ 96,000 |
| Putnam, Ohio | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Sandusky, Ohio | 1 | $ 66,000 | $ 66,000 | $ 43,000 |
| Sevier, Tennessee | 1 | $ 154,000 | $ 154,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for The Farmers & Merchants State Bank in 2013
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 | 471 | $58,269,000 | $123,000 | $4,000,000 | $65,000 | $489,000 |
| Home Purchase | 296 | $37,808,000 | $127,000 | $4,000,000 | $63,000 | $399,000 |
| Home Improvement | 93 | $4,720,000 | $50,000 | $300,000 | $56,000 | $190,000 |
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 | 800 | $77,258,000 | $96,000 | $740,000 | $65,000 | $489,000 |
| Not applicable | 26 | $20,629,000 | $793,000 | $4,000,000 | $0 | $0 |
| Hispanic | 22 | $1,869,000 | $84,000 | $310,000 | $54,000 | $119,000 |
| Not Provided | 8 | $567,000 | $70,000 | $227,000 | $48,000 | $157,000 |
| Asian | 2 | $450,000 | $225,000 | $300,000 | $100,000 | $116,000 |
| Black or African American | 1 | $21,000 | $21,000 | $21,000 | $140,000 | $140,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $38,000 | $38,000 |
| 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) | 856 | $100,372,000 | $117,000 | $4,000,000 | $63,000 | $489,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $214,000 | $107,000 | $130,000 | $24,000 | $26,000 |
| VA-guaranteed (Veterans Administration) | 1 | $101,000 | $101,000 | $101,000 | $88,000 | $88,000 |
| FHA-insured (Federal Housing Administration) | 1 | $110,000 | $110,000 | $110,000 | $43,000 | $43,000 |
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 | 591 | $73,209,000 | $123,000 | $4,000,000 | $65,000 | $489,000 |
| Application Denied By Financial Institution | 177 | $15,795,000 | $89,000 | $300,000 | $53,000 | $371,000 |
| Application Withdrawn By Applicant | 57 | $8,084,000 | $141,000 | $740,000 | $83,000 | $315,000 |
| Application Approved But Not Accepted | 28 | $2,709,000 | $96,000 | $300,000 | $51,000 | $110,000 |
| Loan Purchased By The Institution | 4 | $793,000 | $198,000 | $540,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $207,000 | $69,000 | $129,000 | $45,000 | $70,000 |
| 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 | 82 | $6,836,000 | $83,000 | $280,000 | $52,000 | $178,000 |
| Debt-To-Income Ratio | 42 | $3,810,000 | $90,000 | $190,000 | $48,000 | $110,000 |
| Collateral | 32 | $2,915,000 | $91,000 | $238,000 | $56,000 | $142,000 |
| Other | 14 | $1,431,000 | $102,000 | $300,000 | $65,000 | $371,000 |
| Credit Application Incomplete | 5 | $734,000 | $146,000 | $300,000 | $89,000 | $233,000 |
| Employment History | 1 | $48,000 | $48,000 | $48,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $21,000 | $21,000 | $21,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Farmers & Merchants State Bank's 2013 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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