Farmers Bank & Trust Mortgage Rates, Fees & Info

Great Bend, KS

LEI: 549300LLESTPOVRG3X73

Tax ID: 48-0216340

5 stars - Updated: 11/11/24 - out of 5 stars, based on 33 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Farmers Bank & Trust is a smaller bank specializing in Home Purchase loans. Farmers Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, Chicago, New York, Dallas, and Houston among others. We have data for 245 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Farmers Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Farmers Bank & Trust is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    1,077

    Origination Dollar Volume (All Markets)

    $438,505,000
    Show all (27) awards

    Relative Rate

    Farmers Bank & Trust's average 30 year fixed mortgage rate was 6.33%.

    The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

    This yields a difference of -0.15%.

    Relative Fees (Closing Costs)

    Farmers Bank & Trust's average total fees/closing costs for a 30 year fixed rate mortgage were $5,661.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

    Top Markets

    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
    KANSAS CITY, MO-KS (FHA|USDA|VA) 67 $25,295,000 $377,537 $2,948 7.18%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 51 $21,785,000 $427,157 $5,358 6.51%
    Outside of Metro Areas 74 $21,420,000 $289,459 $4,135 6.73%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 44 $20,730,000 $471,136 $5,403 6.38%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 37 $17,775,000 $480,405 $6,568 6.18%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 26 $11,700,000 $450,000 $5,938 6.35%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 21 $10,685,000 $508,810 $4,194 6.04%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 22 $10,330,000 $469,545 $6,771 6.13%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $8,535,000 $449,211 $8,185 6.62%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 17 $8,055,000 $473,824 $6,126 6.64%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 14 $7,970,000 $569,286 $6,495 6.29%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 13 $7,555,000 $581,154 $5,848 6.39%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 18 $7,340,000 $407,778 $4,398 6.66%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 15 $6,895,000 $459,667 $7,706 6.34%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $6,465,000 $431,000 $4,404 6.60%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 15 $6,375,000 $425,000 $6,674 6.53%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 17 $6,195,000 $364,412 $5,434 6.54%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 13 $5,755,000 $442,692 $5,354 6.29%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 13 $5,675,000 $436,538 $4,346 6.29%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 13 $5,625,000 $432,692 $5,635 6.65%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 15 $5,555,000 $370,333 $3,961 6.93%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $4,935,000 $448,636 $7,631 6.14%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 9 $4,555,000 $506,111 $6,118 6.26%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 11 $4,545,000 $413,182 $5,109 6.25%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 9 $4,135,000 $459,444 $3,993 6.03%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $4,040,000 $673,333 $5,214 6.92%
    JACKSONVILLE, FL (FHA|USDA|VA) 10 $3,990,000 $399,000 $4,865 6.06%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 8 $3,920,000 $490,000 $5,540 6.17%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 12 $3,900,000 $325,000 $5,835 6.07%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $3,650,000 $365,000 $3,904 6.89%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $3,455,000 $383,889 $7,035 6.47%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $3,425,000 $380,556 $8,849 6.47%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 7 $3,285,000 $469,286 $5,327 6.63%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 8 $3,110,000 $388,750 $4,177 6.22%
    RALEIGH-CARY, NC (FHA|USDA|VA) 5 $2,915,000 $583,000 $3,673 6.10%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,895,000 $579,000 $5,504 6.15%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $2,810,000 $468,333 $5,555 6.35%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $2,775,000 $396,429 $3,217 6.59%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $2,530,000 $632,500 $4,193 7.25%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $2,525,000 $360,714 $4,815 6.48%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $2,445,000 $349,286 $3,758 6.38%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $2,435,000 $487,000 $8,180 6.18%
    Sevierville, TN (FHA|USDA|VA) 5 $2,345,000 $469,000 $5,242 6.52%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $2,280,000 $380,000 $5,788 6.27%
    BOISE CITY, ID (FHA|USDA|VA) 3 $2,255,000 $751,667 $11,979 6.29%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $2,245,000 $449,000 $5,652 5.90%
    COLUMBUS, OH (FHA|USDA|VA) 5 $2,225,000 $445,000 $4,870 6.20%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $2,180,000 $363,333 $6,104 6.71%
    Great Bend, KS (FHA|USDA|VA) 20 $2,150,000 $107,500 $1,511 7.39%
    ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,985,000 $397,000 $5,673 5.80%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,920,000 $480,000 $4,998 6.31%
    GREELEY, CO (FHA|USDA|VA) 5 $1,835,000 $367,000 $3,976 6.77%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $1,835,000 $611,667 $8,196 5.79%
    BOULDER, CO (FHA|USDA|VA) 3 $1,785,000 $595,000 $5,326 6.37%
    WORCESTER, MA-CT (FHA|USDA|VA) 4 $1,750,000 $437,500 $5,458 6.53%
    BEND, OR (FHA|USDA|VA) 3 $1,745,000 $581,667 $5,434 6.41%
    KNOXVILLE, TN (FHA|USDA|VA) 4 $1,650,000 $412,500 $5,110 6.44%
    ANCHORAGE, AK (FHA|USDA|VA) 4 $1,610,000 $402,500 $3,633 6.09%
    PITTSBURGH, PA (FHA|USDA|VA) 4 $1,550,000 $387,500 $5,743 6.33%
    Cullowhee, NC (FHA|USDA|VA) 3 $1,525,000 $508,333 $6,167 7.04%
    Key West, FL (FHA|USDA|VA) 3 $1,515,000 $505,000 $6,378 5.96%
    SALT LAKE CITY, UT (FHA|USDA|VA) 3 $1,465,000 $488,333 $4,457 5.66%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $1,425,000 $475,000 $2,729 5.63%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,415,000 $471,667 $4,102 6.42%
    TULSA, OK (FHA|USDA|VA) 4 $1,400,000 $350,000 $5,233 6.03%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,380,000 $345,000 $4,762 6.85%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $1,350,000 $675,000 $19,174 5.13%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $1,350,000 $225,000 $3,121 6.80%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $1,335,000 $445,000 $8,810 6.00%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,325,000 $265,000 $2,211 6.17%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $1,310,000 $655,000 $5,235 6.50%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,280,000 $320,000 $6,965 6.31%
    Outside of Metro Areas 3 $1,245,000 $415,000 $7,246 5.92%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $1,235,000 $411,667 $3,612 6.33%
    Athens, TX (FHA|USDA|VA) 3 $1,235,000 $411,667 $4,609 5.92%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $1,200,000 $600,000 $6,278 6.56%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $1,185,000 $395,000 $3,396 5.87%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,170,000 $292,500 $3,450 6.69%
    STOCKTON, CA (FHA|USDA|VA) 2 $1,090,000 $545,000 $2,722 5.31%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,075,000 $358,333 $5,320 6.79%
    Bozeman, MT (FHA|USDA|VA) 2 $1,060,000 $530,000 $3,305 5.75%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $1,050,000 $525,000 $10,399 5.31%
    TUCSON, AZ (FHA|USDA|VA) 3 $1,025,000 $341,667 $3,914 6.58%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $1,010,000 $505,000 $10,778 5.38%
    MADISON, WI (FHA|USDA|VA) 3 $1,005,000 $335,000 $2,120 6.75%
    RENO, NV (FHA|USDA|VA) 3 $985,000 $328,333 $3,767 7.55%
    Astoria, OR (FHA|USDA|VA) 2 $980,000 $490,000 $8,487 6.81%
    Lebanon, NH-VT (FHA|USDA|VA) 2 $970,000 $485,000 $4,209 6.69%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $960,000 $480,000 $4,374 6.88%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $960,000 $480,000 $4,068 6.31%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $945,000 $945,000 $8,023 6.99%
    PROVO-OREM, UT (FHA|USDA|VA) 2 $890,000 $445,000 $5,998 6.50%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $860,000 $430,000 $5,462 5.75%
    ROCHESTER, NY (FHA|USDA|VA) 3 $855,000 $285,000 $3,957 5.96%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $840,000 $420,000 $3,839 6.56%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $820,000 $410,000 $4,538 6.56%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $815,000 $271,667 $4,858 6.29%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $790,000 $395,000 $7,983 5.63%
    WICHITA FALLS, TX (FHA|USDA|VA) 2 $770,000 $385,000 $7,089 5.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $770,000 $385,000 $4,772 7.37%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $750,000 $375,000 $5,211 5.94%
    Newport, OR (FHA|USDA|VA) 2 $730,000 $365,000 $4,756 6.44%
    Edwards, CO (FHA|USDA|VA) 1 $725,000 $725,000 $4,287 6.25%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $720,000 $360,000 $5,860 5.56%
    TYLER, TX (FHA|USDA|VA) 2 $720,000 $360,000 $4,007 6.25%
    TUSCALOOSA, AL (FHA|USDA|VA) 2 $720,000 $360,000 $3,859 6.19%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $705,000 $705,000 $4,143 5.38%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $700,000 $350,000 $5,586 6.63%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $695,000 $231,667 $2,829 7.14%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $695,000 $695,000 $4,968 7.13%
    JACKSON, MS (FHA|USDA|VA) 1 $695,000 $695,000 $11,627 5.99%
    DECATUR, AL (FHA|USDA|VA) 2 $690,000 $345,000 $3,536 5.94%
    Augusta-Waterville, ME (FHA|USDA|VA) 2 $690,000 $345,000 $3,400 5.81%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $690,000 $345,000 $4,404 6.91%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $690,000 $345,000 $3,770 6.25%
    WICHITA, KS (FHA|USDA|VA) 3 $685,000 $228,333 $6,624 6.38%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $685,000 $685,000 $27,288 4.63%
    VISALIA, CA (FHA|USDA|VA) 1 $675,000 $675,000 $2,968 6.25%
    VALDOSTA, GA (FHA|USDA|VA) 1 $665,000 $665,000 $5,264 7.37%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $655,000 $655,000 $4,255 6.50%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $645,000 $645,000 $6,613 6.25%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $625,000 $625,000 $7,336 6.38%
    Kapaa, HI (FHA|USDA|VA) 1 $605,000 $605,000 $6,364 5.75%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $600,000 $300,000 $2,855 7.00%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $595,000 $595,000 $3,070 5.25%
    Holland, MI (FHA|USDA|VA) 2 $580,000 $290,000 $2,674 6.89%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $575,000 $575,000 $3,040 5.75%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $570,000 $285,000 $4,262 6.19%
    St. Marys, GA (FHA|USDA|VA) 1 $565,000 $565,000 $4,632 5.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $555,000 $555,000 $7,726 6.63%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $555,000 $555,000 $4,069 5.63%
    COLUMBIA, MO (FHA|USDA|VA) 2 $550,000 $275,000 $1,831 7.36%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $545,000 $545,000 $2,487 5.88%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $535,000 $535,000 $3,329 5.50%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $530,000 $265,000 $5,002 6.06%
    Sonora, CA (FHA|USDA|VA) 1 $525,000 $525,000 $4,547 6.25%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $525,000 $525,000 $6,100 5.88%
    NEW BERN, NC (FHA|USDA|VA) 1 $525,000 $525,000 $3,563 5.75%
    Barre, VT (FHA|USDA|VA) 1 $525,000 $525,000 $4,700 6.63%
    Willmar, MN (FHA|USDA|VA) 1 $515,000 $515,000 $3,924 6.88%
    Oak Harbor, WA (FHA|USDA|VA) 1 $515,000 $515,000 $6,796 6.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $505,000 $505,000 $4,749 5.75%
    DUBUQUE, IA (FHA|USDA|VA) 1 $505,000 $505,000 $3,384 5.63%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $495,000 $495,000 $10,526 5.63%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $485,000 $485,000 $4,388 7.25%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $480,000 $240,000 $4,148 6.68%
    WILMINGTON, NC (FHA|USDA|VA) 1 $475,000 $475,000 $9,213 5.50%
    URBAN HONOLULU, HI (FHA|USDA|VA) 1 $475,000 $475,000 $5,902 7.00%
    Sandusky, OH (FHA|USDA|VA) 1 $475,000 $475,000 $6,635 5.75%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $465,000 $465,000 $9,880 5.50%
    BURLINGTON, NC (FHA|USDA|VA) 1 $465,000 $465,000 $4,010 5.50%
    AMARILLO, TX (FHA|USDA|VA) 1 $455,000 $455,000 $7,704 6.38%
    FARGO, ND-MN (FHA|USDA|VA) 1 $455,000 $455,000 $17,184 5.50%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $450,000 $225,000 $3,828 6.56%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $445,000 $445,000 $4,452 6.50%
    Kearney, NE (FHA|USDA|VA) 2 $440,000 $220,000 $2,890 6.69%
    Brainerd, MN (FHA|USDA|VA) 1 $435,000 $435,000 $7,001 5.50%
    Rockport, TX (FHA|USDA|VA) 1 $435,000 $435,000 $7,986 6.25%
    Greeneville, TN (FHA|USDA|VA) 1 $435,000 $435,000 $3,886 5.88%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $435,000 $435,000 $3,455 5.63%
    Grand Rapids, MN (FHA|USDA|VA) 1 $435,000 $435,000 $18,790 5.88%
    Sandpoint, ID (FHA|USDA|VA) 1 $435,000 $435,000 $5,243 6.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $425,000 $425,000 $9,401 5.50%
    Heber, UT (FHA|USDA|VA) 1 $425,000 $425,000 $3,639 5.88%
    WACO, TX (FHA|USDA|VA) 1 $425,000 $425,000 $4,105 5.88%
    Moscow, ID (FHA|USDA|VA) 1 $415,000 $415,000 $3,562 5.88%
    SALEM, OR (FHA|USDA|VA) 1 $415,000 $415,000 $5,468 6.13%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $415,000 $415,000 $4,229 7.13%
    NILES, MI (FHA|USDA|VA) 1 $405,000 $405,000 $8,784 5.50%
    MISSOULA, MT (FHA|USDA|VA) 1 $405,000 $405,000 $3,450 5.88%
    Oxford, MS (FHA|USDA|VA) 1 $405,000 $405,000 $2,747 6.13%
    Rutland, VT (FHA|USDA|VA) 1 $405,000 $405,000 $5,545 5.88%
    SANTA FE, NM (FHA|USDA|VA) 1 $405,000 $405,000 $3,904 6.49%
    Show Low, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $9,145 5.50%
    Whitewater, WI (FHA|USDA|VA) 1 $405,000 $405,000 $2,602 6.49%
    Columbus, MS (FHA|USDA|VA) 1 $395,000 $395,000 $4,306 6.13%
    GADSDEN, AL (FHA|USDA|VA) 1 $395,000 $395,000 $5,345 4.99%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $395,000 $395,000 $4,172 6.38%
    Cañon City, CO (FHA|USDA|VA) 1 $395,000 $395,000 $3,242 6.13%
    Hobbs, NM (FHA|USDA|VA) 1 $395,000 $395,000 $4,843 6.63%
    Bellefontaine, OH (FHA|USDA|VA) 1 $395,000 $395,000 $4,228 6.62%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $390,000 $195,000 $2,457 7.58%
    Mineral Wells, TX (FHA|USDA|VA) 1 $385,000 $385,000 $5,294 7.63%
    AKRON, OH (FHA|USDA|VA) 1 $385,000 $385,000 $12,219 5.00%
    Aberdeen, WA (FHA|USDA|VA) 1 $385,000 $385,000 $7,910 5.63%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $380,000 $190,000 $2,879 8.39%
    Del Rio, TX (FHA|USDA|VA) 1 $375,000 $375,000 $13,510 4.63%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $375,000 $375,000 $2,422 6.13%
    Boone, NC (FHA|USDA|VA) 1 $365,000 $365,000 $3,540 5.88%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,904 6.95%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $345,000 $345,000 $6,339 6.25%
    FRESNO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $10,911 5.50%
    Taos, NM (FHA|USDA|VA) 1 $335,000 $335,000 $8,970 5.50%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $325,000 $325,000 $4,030 6.13%
    Georgetown, SC (FHA|USDA|VA) 1 $325,000 $325,000 $4,882 5.88%
    AMES, IA (FHA|USDA|VA) 1 $325,000 $325,000 $6,586 5.63%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $325,000 $325,000 $2,141 6.00%
    BINGHAMTON, NY (FHA|USDA|VA) 1 $325,000 $325,000 $3,939 5.99%
    Los Alamos, NM (FHA|USDA|VA) 1 $325,000 $325,000 $4,955 6.62%
    MIDLAND, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,474 4.75%
    Columbus, NE (FHA|USDA|VA) 1 $315,000 $315,000 $1,262 6.75%
    Breckenridge, CO (FHA|USDA|VA) 1 $315,000 $315,000 $3,674 6.88%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $315,000 $315,000 $3,801 6.13%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $305,000 $305,000 $5,757 5.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $305,000 $305,000 $4,168 5.75%
    SAVANNAH, GA (FHA|USDA|VA) 1 $305,000 $305,000 $2,965 6.13%
    BILLINGS, MT (FHA|USDA|VA) 1 $305,000 $305,000 $4,781 5.50%
    LUBBOCK, TX (FHA|USDA|VA) 1 $285,000 $285,000 $10,922 4.38%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $285,000 $285,000 $4,603 7.13%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $285,000 $285,000 $3,495 6.63%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $285,000 $285,000 $3,045 5.38%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $275,000 $275,000 $3,854 6.00%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $265,000 $265,000 $2,695 6.50%
    Rolla, MO (FHA|USDA|VA) 1 $265,000 $265,000 $3,252 6.00%
    Adrian, MI (FHA|USDA|VA) 1 $255,000 $255,000 $3,745 6.38%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $255,000 $255,000 $2,489 6.38%
    LONGVIEW, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,977 7.50%
    FLINT, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,812 7.13%
    LAWTON, OK (FHA|USDA|VA) 1 $245,000 $245,000 $6,093 5.75%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $235,000 $235,000 $3,410 7.63%
    FARMINGTON, NM (FHA|USDA|VA) 1 $225,000 $225,000 $3,974 6.88%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $225,000 $225,000 $4,149 6.50%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $225,000 $225,000 $1,684 8.78%
    Salina, KS (FHA|USDA|VA) 1 $225,000 $225,000 $1,758 6.75%
    Altus, OK (FHA|USDA|VA) 1 $215,000 $215,000 $4,102 6.50%
    Maryville, MO (FHA|USDA|VA) 2 $210,000 $105,000 $4,256 7.25%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $210,000 $105,000 $2,047 7.03%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $205,000 $205,000 $5,433 7.00%
    GREEN BAY, WI (FHA|USDA|VA) 1 $205,000 $205,000 $10,923 6.00%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $195,000 $195,000 $5,205 7.00%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,036 6.99%
    Pahrump, NV (FHA|USDA|VA) 1 $185,000 $185,000 $5,524 6.38%
    GREENVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $3,492 7.50%
    YAKIMA, WA (FHA|USDA|VA) 1 $175,000 $175,000 $3,808 7.50%
    MANHATTAN, KS (FHA|USDA|VA) 1 $165,000 $165,000 $1,680 6.88%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $130,000 $65,000 $1,366 8.55%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,350 7.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,060 6.88%
    Winfield, KS (FHA|USDA|VA) 1 $105,000 $105,000 $755 7.00%
    Hays, KS (FHA|USDA|VA) 1 $75,000 $75,000 $1,612 6.38%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $75,000 $75,000 $1,596 8.43%
    EL CENTRO, CA (FHA|USDA|VA) 1 $65,000 $65,000 $991 8.40%
    Camden, AR (FHA|USDA|VA) 1 $65,000 $65,000 $1,176 10.20%
    LAWRENCE, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.09%
    Vincennes, IN (FHA|USDA|VA) 1 $45,000 $45,000 $968 9.45%
    Farmers Bank & Trust's top markets include Kansas City, Chicago, New York, Dallas, and Houston among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,003 $404,335,000 $403,126 $4,893 6.54%
    VA 71 $33,925,000 $477,817 $9,379 5.55%
    USDA 2 $220,000 $110,000 $3,071 7.13%
    HELOC 1 $25,000 $25,000 n/a 8.50%

    For 2023, Farmers Bank & Trust's most frequently originated type of loan was Conventional, with 1,003 originations. Their 2nd most popular type was VA, with 71 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 828 $366,430,000 $442,548 $5,750 6.36%
    Cash Out Refi 185 $49,075,000 $265,270 $3,275 7.03%
    Refi 57 $22,575,000 $396,053 $3,663 6.20%
    Home Improvement 7 $425,000 $60,714 $696 7.84%

    For 2023, Farmers Bank & Trust's most frequently cited loan purpose was Home Purchase, with 828 originations. The 2nd most popular reason was Cash Out Refi, with 185 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 866 $383,800,000 $443,187 $5,661 6.33%
    15 Year 82 $32,740,000 $399,268 $4,612 5.98%
    20 Year 75 $9,055,000 $120,733 $1,561 7.93%
    10 Year 25 $1,215,000 $48,600 $899 7.32%
    1 Year 20 $6,530,000 $326,500 $2,632 8.06%
    Other 6 $4,250,000 $708,333 $1,009 7.05%
    5 Year 3 $915,000 $305,000 $0 7.25%

    For 2023, Farmers Bank & Trust's most frequently cited loan duration was 30 Year, with 866 originations. The 2nd most popular length was 15 Year, with 82 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 669 $264,075,000 $394,731
    $1k-2k 158 $67,820,000 $429,241
    $5k+ 80 $38,110,000 $476,375
    $2k-3k 68 $29,130,000 $428,382
    $3k-4k 42 $17,140,000 $408,095
    $4k-5k 25 $10,375,000 $415,000

    Farmers Bank & Trust's average total fees were $5,661, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 669 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 483 $200,205,000 $414,503
    5-6% 350 $166,380,000 $475,371
    7-8% 158 $50,000,000 $316,456
    Over 8% 58 $8,150,000 $140,517
    4-5% 28 $13,770,000 $491,786

    During 2023, Farmers Bank & Trust's average interest rate for loans was 6.33%, while their most frequently originated rate bucket for loans was 6-7%, with 483 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $400k-600k 403 $198,045,000 $491,427 $5,929 6.19%
    $200k-400k 337 $104,315,000 $309,540 $4,762 6.41%
    $600k-1MM 169 $114,605,000 $678,136 $6,975 6.22%
    $100,000 or less 111 $6,835,000 $61,577 $1,231 7.79%
    $100k-200k 53 $7,925,000 $149,528 $3,182 7.15%
    $1MM+ 4 $6,780,000 $1,695,000 $20,719 6.04%

    2023 saw Farmers Bank & Trust place emphasis on $400k-600k loans with 403 originations, totaling $198,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 410 $184,750,000 $450,610 $5,431 6.36%
    $250k+ 278 $138,100,000 $496,763 $6,075 6.35%
    $100k-150k 227 $79,445,000 $349,978 $4,788 6.43%
    $75k-100k 80 $18,690,000 $233,625 $3,939 6.71%
    $50k-75k 36 $5,450,000 $151,389 $2,447 6.91%
    $50k or less 16 $950,000 $59,375 $1,644 7.54%

    Farmers Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 410 originations. The second most popular income band? $250k+, with 278 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 232 $91,260,000 $393,362 $5,145 6.35%
    30-36% 223 $94,445,000 $423,520 $5,261 6.41%
    <20% 81 $28,325,000 $349,691 $4,561 6.33%
    44% 56 $20,300,000 $362,500 $4,550 6.86%
    43% 53 $21,185,000 $399,717 $4,984 6.42%
    42% 46 $16,930,000 $368,043 $4,328 6.72%
    38% 40 $17,450,000 $436,250 $5,877 6.60%
    40% 37 $15,885,000 $429,324 $4,946 6.42%
    41% 37 $13,995,000 $378,243 $5,325 6.77%
    45% 32 $15,420,000 $481,875 $5,437 6.34%
    49% 31 $14,685,000 $473,710 $6,384 6.50%
    36% 30 $13,740,000 $458,000 $4,860 6.48%
    37% 29 $11,735,000 $404,655 $5,419 6.38%
    39% 28 $12,240,000 $437,143 $5,561 6.36%
    47% 27 $11,985,000 $443,889 $5,907 6.27%
    46% 26 $12,100,000 $465,385 $5,363 6.08%
    48% 23 $10,245,000 $445,435 $5,956 6.35%
    50-60% 13 $5,365,000 $412,692 $6,493 6.33%

    Farmers Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 232 originations. The next most common DTI ratio? 30-36%, with 223 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 664 $258,540,000 $389,367 $5,023 6.48%
    Not provided 262 $109,800,000 $419,084 $5,430 6.37%
    Asian 101 $49,965,000 $494,703 $5,514 6.36%
    Not applicable 28 $10,980,000 $392,143 $0 7.88%
    Black 17 $6,485,000 $381,471 $5,995 6.62%
    American Indian 4 $2,010,000 $502,500 $6,013 5.78%
    Chinese 1 $725,000 $725,000 $3,706 6.50%

    Approval Rates

    Total approvals of all applications
    93.59%

    Farmers Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    6.87%

    Farmers Bank & Trust has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,077 $438,505,000 $407,154

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,077 $438,505,000 $407,154

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 59 $11,985,000 $203,136 $2,454 7.20%
    40-60% 80 $32,180,000 $402,250 $4,793 6.41%
    60-80% 415 $185,705,000 $447,482 $5,265 6.41%
    80-100% 444 $196,520,000 $442,613 $5,718 6.29%
    Over 100% 14 $6,900,000 $492,857 $17,815 5.58%
    Under 20% 65 $5,215,000 $80,231 $1,408 7.81%