Farmers & Merchants Bank Of Central California Mortgage Rates, Fees & InfoLodi, CA
Tax ID: 94-0467440
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewFarmers & Merchants Bank Of Central California is a smaller bank specializing in Refi and Home Purchase loans. Farmers & Merchants Bank Of Central California has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Modesto, San Jose, Stockton, and Vallejo among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)
Farmers & Merchants Bank Of Central California has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Origination Dollar Volume (All Markets)$161,195,000
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA)||19||$32,885,000||$1,730,789||$0||0.00%|
|MODESTO, CA (FHA|USDA|VA)||95||$30,905,000||$325,316||$0||0.00%|
|SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA)||1||$28,875,000||$28,875,000||$0||0.00%|
|STOCKTON, CA (FHA|USDA|VA)||61||$24,005,000||$393,525||$0||0.00%|
|VALLEJO, CA (FHA|USDA|VA)||5||$22,655,000||$4,531,000||$0||0.00%|
|San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA)||6||$6,930,000||$1,155,000||$0||0.00%|
|MERCED, CA (FHA|USDA|VA)||18||$5,830,000||$323,889||$0||0.00%|
|SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA)||1||$2,605,000||$2,605,000||$0||0.00%|
|SANTA ROSA-PETALUMA, CA (FHA|USDA|VA)||1||$2,175,000||$2,175,000||$0||0.00%|
|SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA)||1||$1,625,000||$1,625,000||$0||0.00%|
|Outside of Metro Areas||3||$1,205,000||$401,667||$0||0.00%|
|NAPA, CA (FHA|USDA|VA)||1||$1,125,000||$1,125,000||$0||0.00%|
|Sonora, CA (FHA|USDA|VA)||1||$375,000||$375,000||$0||0.00%|
Their top states include:
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Farmers & Merchants Bank Of Central California's most frequently originated type of loan was Conventional, with 213 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Farmers & Merchants Bank Of Central California's most frequently cited loan purpose was Refi, with 106 originations. The 2nd most popular reason was Home Purchase, with 66 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, Farmers & Merchants Bank Of Central California's most frequently cited loan duration was Other, with 213 originations.
2022 saw Farmers & Merchants Bank Of Central California place emphasis on $200k-400k loans with 68 originations, totaling $19,140,000 in origination value.
Farmers & Merchants Bank Of Central California lent most frequently to those with incomes in the $250k+ range, with 46 originations. The second most popular income band? $100k-150k, with 45 originations.
Applicant Debt to Income Ratio
|DTI Ratio||Originations||Total Value||Average Loan||Average Fees||Average Rate|
Farmers & Merchants Bank Of Central California lent most frequently to those with DTI ratios of Exempt%, with 213 originations.
Approval RatesTotal approvals of all applications
Farmers & Merchants Bank Of Central California has a below average approval rate.
Pick RateApprovals leading to origination
Farmers & Merchants Bank Of Central California has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|