The Farmers & Merchants State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
The Farmers & Merchants State Bank 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 1,896 |
| Total Mortgage Loan Application Amount | $341,100,000 |
| Average Mortgage Loan Application Amount | $153,400 |
| Highest Mortgage Loan Application Amount | $28,005,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $3,046,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with The Farmers & Merchants State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Farmers & Merchants State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down The Farmers & Merchants State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Farmers & Merchants State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The Farmers & Merchants State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Farmers & Merchants State Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton County Ohio | 331 | $ 43,985,000 | $ 132,000 | $ 85,000 |
| Adams County Indiana | 284 | $ 37,600,000 | $ 132,000 | $ 57,000 |
| Williams County Ohio | 250 | $ 28,560,000 | $ 114,000 | $ 69,000 |
| Lucas County Ohio | 143 | $ 24,035,000 | $ 168,000 | $ 131,000 |
| Defiance County Ohio | 92 | $ 10,790,000 | $ 117,000 | $ 74,000 |
| Shelby County Ohio | 68 | $ 11,480,000 | $ 168,000 | $ 106,000 |
| Henry County Ohio | 64 | $ 7,710,000 | $ 120,000 | $ 75,000 |
| Allen County Indiana | 56 | $ 10,030,000 | $ 179,000 | $ 159,000 |
| Wells County Indiana | 48 | $ 6,670,000 | $ 138,000 | $ 83,000 |
| Wood County Ohio | 46 | $ 34,840,000 | $ 757,000 | $ 116,000 |
| DeKalb County Indiana | 40 | $ 5,750,000 | $ 143,000 | $ 64,000 |
| Steuben County Indiana | 36 | $ 6,570,000 | $ 182,000 | $ 174,000 |
| Delaware County Indiana | 34 | $ 7,360,000 | $ 216,000 | $ 118,000 |
| Jay County Indiana | 32 | $ 3,000,000 | $ 93,000 | $ 49,000 |
| Champaign County Ohio | 26 | $ 4,310,000 | $ 165,000 | $ 95,000 |
| Clark County Ohio | 23 | $ 5,385,000 | $ 234,000 | $ 102,000 |
| Franklin County Ohio | 21 | $ 18,675,000 | $ 889,000 | $ 67,000 |
| Butler County Ohio | 19 | $ 5,805,000 | $ 305,000 | $ 167,000 |
| Wayne County Indiana | 15 | $ 2,435,000 | $ 162,000 | $ 98,000 |
| Miami County Ohio | 14 | $ 2,690,000 | $ 192,000 | $ 105,000 |
| Paulding County Ohio | 14 | $ 1,900,000 | $ 135,000 | $ 66,000 |
| Fayette County Indiana | 13 | $ 1,155,000 | $ 88,000 | $ 97,000 |
| Henry County Indiana | 13 | $ 1,945,000 | $ 149,000 | $ 65,000 |
| Monroe County Michigan | 11 | $ 1,365,000 | $ 124,000 | $ 86,000 |
| Logan County Ohio | 11 | $ 1,435,000 | $ 130,000 | $ 77,000 |
| Van Wert County Ohio | 10 | $ 1,490,000 | $ 149,000 | $ 51,000 |
| Hillsdale County Michigan | 9 | $ 1,395,000 | $ 155,000 | $ 96,000 |
| Hancock County Ohio | 9 | $ 1,195,000 | $ 132,000 | $ 120,000 |
| Lenawee County Michigan | 8 | $ 1,390,000 | $ 173,000 | $ 216,000 |
| Mercer County Ohio | 8 | $ 1,460,000 | $ 182,000 | $ 57,000 |
| Auglaize County Ohio | 7 | $ 585,000 | $ 83,000 | $ 58,000 |
| Montgomery County Ohio | 7 | $ 1,155,000 | $ 165,000 | $ 111,000 |
| Union County Indiana | 6 | $ 1,380,000 | $ 230,000 | $ 125,000 |
| LaGrange County Indiana | 5 | $ 1,255,000 | $ 251,000 | $ 97,000 |
| Ottawa County Ohio | 5 | $ 945,000 | $ 189,000 | $ 129,000 |
| Fulton County Georgia | 4 | $ 3,330,000 | $ 832,000 | $ 244,000 |
| Hamilton County Indiana | 4 | $ 2,290,000 | $ 572,000 | $ 424,000 |
| Kosciusko County Indiana | 4 | $ 490,000 | $ 122,000 | $ 110,000 |
| Madison County Indiana | 4 | $ 1,100,000 | $ 275,000 | $ 90,000 |
| Noble County Indiana | 4 | $ 1,400,000 | $ 350,000 | $ 132,000 |
| Oakland County Michigan | 4 | $ 2,810,000 | $ 702,000 | $ 784,000 |
| Lee County Florida | 3 | $ 5,265,000 | $ 1,755,000 | $ 618,000 |
| Pinellas County Florida | 3 | $ 1,385,000 | $ 461,000 | $ 386,000 |
| Whitley County Indiana | 3 | $ 445,000 | $ 148,000 | $ 81,000 |
| Erie County Ohio | 3 | $ 925,000 | $ 308,000 | $ 199,000 |
| Greene County Ohio | 3 | $ 525,000 | $ 175,000 | $ 107,000 |
| Putnam County Ohio | 3 | $ 435,000 | $ 145,000 | $ 84,000 |
| Manatee County Florida | 2 | $ 1,790,000 | $ 895,000 | $ 229,000 |
| Sarasota County Florida | 2 | $ 1,250,000 | $ 625,000 | $ 358,000 |
| Elkhart County Indiana | 2 | $ 320,000 | $ 160,000 | $ 46,000 |
| Grant County Indiana | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Jennings County Indiana | 2 | $ 240,000 | $ 120,000 | $ 34,000 |
| Marion County Indiana | 2 | $ 580,000 | $ 290,000 | $ 183,000 |
| Miami County Indiana | 2 | $ 200,000 | $ 100,000 | $ 32,000 |
| Branch County Michigan | 2 | $ 500,000 | $ 250,000 | $ 94,000 |
| Calhoun County Michigan | 2 | $ 370,000 | $ 185,000 | $ 28,000 |
| Cheboygan County Michigan | 2 | $ 230,000 | $ 115,000 | $ 185,000 |
| St. Joseph County Michigan | 2 | $ 410,000 | $ 205,000 | $ 55,000 |
| Allen County Ohio | 2 | $ 130,000 | $ 65,000 | $ 87,000 |
| Ashland County Ohio | 2 | $ 440,000 | $ 220,000 | $ 78,000 |
| Delaware County Ohio | 2 | $ 310,000 | $ 155,000 | $ 122,000 |
| Medina County Ohio | 2 | $ 230,000 | $ 115,000 | $ 176,000 |
| Seneca County Ohio | 2 | $ 220,000 | $ 110,000 | $ 48,000 |
| Charlotte County Florida | 1 | $ 925,000 | $ 925,000 | $ 508,000 |
| Orange County Florida | 1 | $ 265,000 | $ 265,000 | $ 500,000 |
| Palm Beach County Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 210,000 |
| St. Johns County Florida | 1 | $ 555,000 | $ 555,000 | $ 480,000 |
| Volusia County Florida | 1 | $ 335,000 | $ 335,000 | $ 175,000 |
| Bartholomew County Indiana | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| Blackford County Indiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Franklin County Indiana | 1 | $ 85,000 | $ 85,000 | $ 109,000 |
| Hancock County Indiana | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Huntington County Indiana | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Randolph County Indiana | 1 | $ 105,000 | $ 105,000 | $ 201,000 |
| Tipton County Indiana | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Vigo County Indiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Wabash County Indiana | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Jefferson County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 165,000 |
| Kalamazoo County Michigan | 1 | $ 3,745,000 | $ 3,745,000 | $ 0 |
| Luce County Michigan | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Moore County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 318,000 |
| Adams County Ohio | 1 | $ 115,000 | $ 115,000 | $ 12,000 |
| Crawford County Ohio | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Fairfield County Ohio | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Gallia County Ohio | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Harrison County Ohio | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Hocking County Ohio | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Jackson County Ohio | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Lorain County Ohio | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Pickaway County Ohio | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Sandusky County Ohio | 1 | $ 125,000 | $ 125,000 | $ 146,000 |
| Summit County Ohio | 1 | $ 475,000 | $ 475,000 | $ 107,000 |
| Union County Ohio | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Wayne County Ohio | 1 | $ 105,000 | $ 105,000 | $ 158,000 |
| Wyandot County Ohio | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Anderson County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 46,000 |
| York County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 224,000 |
| Campbell County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 31,000 |
| Claiborne County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 572,000 |
| Florence County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for The Farmers & Merchants State Bank in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 914 | $221,090,000 | $241,000 | $28,005,000 | $93,000 | $3,046,000 |
| Other Purpose | 493 | $37,765,000 | $76,000 | $925,000 | $93,000 | $964,000 |
| Cash-out Refinancing | 351 | $62,405,000 | $177,000 | $4,285,000 | $84,000 | $1,399,000 |
| Refinancing | 83 | $14,015,000 | $168,000 | $1,325,000 | $107,000 | $1,861,000 |
| Home Improvement | 55 | $5,825,000 | $105,000 | $955,000 | $83,000 | $367,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,569 | $222,635,000 | $141,000 | $2,015,000 | $90,000 | $2,834,000 |
| Not applicable | 152 | $92,810,000 | $610,000 | $28,005,000 | $0 | $0 |
| Hispanic | 77 | $12,105,000 | $157,000 | $1,505,000 | $90,000 | $963,000 |
| Not Provided | 63 | $6,985,000 | $110,000 | $425,000 | $136,000 | $3,046,000 |
| Black or African American | 17 | $3,595,000 | $211,000 | $1,025,000 | $85,000 | $298,000 |
| Asian | 11 | $1,805,000 | $164,000 | $355,000 | $86,000 | $189,000 |
| American Indian or Alaskan Native | 6 | $1,080,000 | $180,000 | $535,000 | $96,000 | $374,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $636,000 | $636,000 |
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) | 1,896 | $341,100,000 | $179,000 | $28,005,000 | $92,000 | $3,046,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,172 | $227,040,000 | $193,000 | $28,005,000 | $96,000 | $2,834,000 |
| Preapproval Approved but not Accepted | 209 | $43,205,000 | $206,000 | $1,025,000 | $82,000 | $481,000 |
| Application Denied By Financial Institution | 206 | $22,160,000 | $107,000 | $1,005,000 | $81,000 | $964,000 |
| Preapproval Denied by Financial Institution | 178 | $27,980,000 | $157,000 | $1,365,000 | $91,000 | $3,046,000 |
| Application Withdrawn By Applicant | 121 | $19,385,000 | $160,000 | $605,000 | $91,000 | $416,000 |
| Application Approved But Not Accepted | 6 | $960,000 | $160,000 | $325,000 | $101,000 | $174,000 |
| Loan Purchased By The Institution | 4 | $370,000 | $92,000 | $155,000 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,512 | $290,960,000 | $192,000 | $28,005,000 | $93,000 | $2,834,000 |
| Credit History | 126 | $13,390,000 | $106,000 | $385,000 | $69,000 | $447,000 |
| Debt-To-Income Ratio | 79 | $11,865,000 | $150,000 | $755,000 | $57,000 | $284,000 |
| Credit Application Incomplete | 77 | $13,415,000 | $174,000 | $1,365,000 | $147,000 | $3,046,000 |
| Collateral | 41 | $4,415,000 | $107,000 | $415,000 | $122,000 | $964,000 |
| Other | 35 | $4,315,000 | $123,000 | $475,000 | $65,000 | $204,000 |
| Employment History | 9 | $805,000 | $89,000 | $145,000 | $40,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,145,000 | $127,000 | $285,000 | $39,000 | $66,000 |
| Unverifiable Information | 8 | $790,000 | $98,000 | $225,000 | $57,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Farmers & Merchants State Bank's 2022 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.
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with aggregated HMDA statistics today.