Applications / Mortgage Analytics / Lenders / California / Farmers & Merchants Bank of Central California
Lodi, CA · State non-member bank · FDIC · $5.7 billion assets · 132 loans in 2025
Farmers & Merchants Bank of Central California's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
132
loans originated, 2025
216
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers & Merchants Bank of Central California, a Lodi bank, made most of its 132 loans in 2025 in majority-minority neighborhoods, a far higher share than at similar banks.
Majority-minority neighborhoods took 56.1% of its loans, against 5.1% at similar lenders (state non-member banks making between half and twice as many loans), more than at nearly all of them. Low- and moderate-income (LMI) neighborhoods took 22.0%, against 17.5%. Both may reflect the places where it lends.
LMI borrowers took 14.0% of its loans, against 27.9%, lower than at about nine in ten similar lenders. Its loans are larger: the typical one was $215,000, against $175,000, and jumbo loans (larger than the conforming limit) were 6.1%, against 1.4%. Larger loans may go to borrowers with higher incomes, which could account for much of the difference.
Purchases made up 29.5% of its loans, refinances 25.8%, home improvement 23.5% and other purposes 21.2%, all conventional. It made 1% fewer loans than in 2024, while similar lenders made 10% more.
It ranks 36 of 323 in Modesto, with 0.6% of the market, and 87 of 401 in Stockton-Lodi, with 0.2%. Both shares were unchanged, and it has lent in both since at least 1990. United Wholesale Mortgage leads both.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers & Merchants Bank of Central California took 216 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 29.5% · Refinance 25.8% · Home improvement 23.5% · Other 21.2%
Conventional 100.0% · of 132 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 132 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Modesto | 52 |
| Stockton-Lodi | 37 |
| Sacramento-Roseville-Folsom | 14 |
| Merced | 13 |
| Oakland-Fremont-Berkeley | 8 |
| Vallejo | 3 |
| Chico | 1 |
| Napa | 1 |
| San Francisco-San Mateo-Redwood City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | OZ7MS5KHJY6WIPGXQW23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 808260 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2808260 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 31331 | 2005–2017 |
Established 24 May 1916. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers & Merchants Bank of Central California's data.
Farmers & Merchants Bank of Central California's data
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Farmers & Merchants Bank of Central California and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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