Applications / Mortgage Analytics / Lenders / Maryland / Farmers and Merchants Bank
Upperco, MD · State non-member bank · FDIC · $872 million assets · 46 loans in 2025
Farmers and Merchants Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
46
loans originated, 2025
59
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers and Merchants Bank, a Maryland bank, lends almost entirely to home buyers, and its typical loan is about twice similar lenders'.
Purchases made up 91.3% of its loans, all conventional. Its loans rose 7%, to 46, near the middle of similar lenders, state non-member banks making between half and twice as many loans. Its largest market is Baltimore-Columbia-Towson, where it has lent since at least 1990 and ranked 141 of 592 lenders.
Its typical loan, $340,000, was higher than at nearly nine in ten similar lenders, where it was $165,000. So its total, $27.2 million, was about double theirs, $14.0 million, on fewer loans.
It made 211 loans in 2020, the year it merged with Carroll Community Bank, whose filings count as its own. The merger could account for part of that higher count.
Low- and moderate-income (LMI) borrowers took 35.7% of its loans, against 27.8% at similar lenders, more than about two-thirds of them. LMI neighborhoods took 13.0%, below the 18.5% at its peers, which could reflect how few such neighborhoods lie in the counties it serves. With 46 loans, a few loans move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 and Merchants Bank took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.3% · Refinance 6.5% · Other 2.2%
Conventional 100.0% · of 46 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 |
|---|---|---|
| Maryland | 40 | 87.0% |
| Pennsylvania | 4 | 8.7% |
| Delaware | 2 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 39 |
| Gettysburg | 2 |
| York-Hanover | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MKTQIOL1FBNZ12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 891226 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31895 | 1990–2017 |
Established 1 January 1919. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers and Merchants Bank's data.
Farmers and Merchants Bank's data
$215
Farmers and Merchants Bank 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.
Buy Farmers and Merchants Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]