Lender profile · HMDA 2023–2025
Farmers & Merchants Bank of Central California mortgage approval rates & lending data
Farmers & Merchants Bank of Central California decided 542 mortgage applications and funded 341 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 73% | 105 / 144 | 97% | $385K | 102 |
| Home improvement loans | 63% | 123 / 195 | 96% | $65K | 118 |
| Refinance | 60% | 73 / 121 | 95% | $275K | 69 |
| Investment refinance | 61% | 23 / 38 | 100% | $225K | 23 |
Farmers & Merchants Bank of Central California lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 65% | $275K | 541 | 340 |
| Arizona | 100% | $1M | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.