Farmers Bank & Trust Mortgage Rates, Fees & Info

Great Bend, KS

LEI: 549300LLESTPOVRG3X73

Tax ID: 48-0216340

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

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Mortgage Data

Review & Overview

Farmers Bank & Trust is a smaller bank specializing in Home Purchase and Cash Out Refi 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, New York, Seattle, Los Angeles, and Dallas among others. We have data for 121 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.

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Originations

421

Origination Dollar Volume (All Markets)

$150,845,000

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) 60 $18,130,000 $302,167 $0 0.00%
Outside of Metro Areas 56 $10,370,000 $185,179 $0 0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 16 $6,750,000 $421,875 $0 0.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 12 $6,730,000 $560,833 $0 0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 10 $5,850,000 $585,000 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 14 $5,580,000 $398,571 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 12 $4,830,000 $402,500 $0 0.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $4,220,000 $703,333 $0 0.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 8 $3,810,000 $476,250 $0 0.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $3,465,000 $495,000 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $3,395,000 $377,222 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $3,310,000 $551,667 $0 0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 6 $3,130,000 $521,667 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $2,560,000 $426,667 $0 0.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $2,440,000 $610,000 $0 0.00%
Great Bend, KS (FHA|USDA|VA) 22 $2,320,000 $105,455 $0 0.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $1,845,000 $615,000 $0 0.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $1,820,000 $303,333 $0 0.00%
LAWRENCE, KS (FHA|USDA|VA) 6 $1,630,000 $271,667 $0 0.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,565,000 $521,667 $0 0.00%
BOULDER, CO (FHA|USDA|VA) 2 $1,530,000 $765,000 $0 0.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,420,000 $710,000 $0 0.00%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $1,420,000 $710,000 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $1,390,000 $347,500 $0 0.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $1,295,000 $431,667 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,270,000 $317,500 $0 0.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $0 0.00%
Oak Harbor, WA (FHA|USDA|VA) 2 $1,230,000 $615,000 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $1,225,000 $408,333 $0 0.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,190,000 $297,500 $0 0.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $1,150,000 $575,000 $0 0.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $1,120,000 $280,000 $0 0.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $1,110,000 $555,000 $0 0.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $1,090,000 $545,000 $0 0.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,025,000 $341,667 $0 0.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $1,000,000 $500,000 $0 0.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $970,000 $485,000 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $960,000 $480,000 $0 0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $920,000 $460,000 $0 0.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $900,000 $450,000 $0 0.00%
SANTA FE, NM (FHA|USDA|VA) 1 $855,000 $855,000 $0 0.00%
GREELEY, CO (FHA|USDA|VA) 3 $845,000 $281,667 $0 0.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $830,000 $415,000 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $720,000 $360,000 $0 0.00%
WICHITA, KS (FHA|USDA|VA) 2 $720,000 $360,000 $0 0.00%
DOVER, DE (FHA|USDA|VA) 2 $690,000 $345,000 $0 0.00%
COLUMBUS, OH (FHA|USDA|VA) 2 $670,000 $335,000 $0 0.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $650,000 $325,000 $0 0.00%
BOISE CITY, ID (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
The Dalles, OR (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
WENATCHEE, WA (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
MADISON, WI (FHA|USDA|VA) 1 $635,000 $635,000 $0 0.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $635,000 $635,000 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $630,000 $315,000 $0 0.00%
ST. GEORGE, UT (FHA|USDA|VA) 1 $625,000 $625,000 $0 0.00%
Corsicana, TX (FHA|USDA|VA) 1 $605,000 $605,000 $0 0.00%
COLUMBIA, MO (FHA|USDA|VA) 1 $595,000 $595,000 $0 0.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $580,000 $290,000 $0 0.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $575,000 $575,000 $0 0.00%
Miami, OK (FHA|USDA|VA) 1 $565,000 $565,000 $0 0.00%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $555,000 $555,000 $0 0.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $555,000 $555,000 $0 0.00%
Kalispell, MT (FHA|USDA|VA) 1 $555,000 $555,000 $0 0.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $545,000 $545,000 $0 0.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $540,000 $270,000 $0 0.00%
Outside of Metro Areas 1 $525,000 $525,000 $0 0.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $525,000 $525,000 $0 0.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $495,000 $495,000 $0 0.00%
FRESNO, CA (FHA|USDA|VA) 1 $485,000 $485,000 $0 0.00%
TUCSON, AZ (FHA|USDA|VA) 1 $465,000 $465,000 $0 0.00%
Sevierville, TN (FHA|USDA|VA) 1 $455,000 $455,000 $0 0.00%
RENO, NV (FHA|USDA|VA) 1 $455,000 $455,000 $0 0.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $455,000 $455,000 $0 0.00%
BELLINGHAM, WA (FHA|USDA|VA) 1 $455,000 $455,000 $0 0.00%
Boone, NC (FHA|USDA|VA) 1 $445,000 $445,000 $0 0.00%
PROVO-OREM, UT (FHA|USDA|VA) 1 $445,000 $445,000 $0 0.00%
Aberdeen, WA (FHA|USDA|VA) 1 $445,000 $445,000 $0 0.00%
KNOXVILLE, TN (FHA|USDA|VA) 1 $435,000 $435,000 $0 0.00%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $420,000 $210,000 $0 0.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $410,000 $205,000 $0 0.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
Bennington, VT (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
GREENVILLE, NC (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $375,000 $375,000 $0 0.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $375,000 $375,000 $0 0.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $335,000 $335,000 $0 0.00%
MANHATTAN, KS (FHA|USDA|VA) 1 $325,000 $325,000 $0 0.00%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $325,000 $325,000 $0 0.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $325,000 $325,000 $0 0.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
Malvern, AR (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $290,000 $145,000 $0 0.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
BURLINGTON, NC (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
Garden City, KS (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
ANCHORAGE, AK (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
PITTSBURGH, PA (FHA|USDA|VA) 2 $240,000 $120,000 $0 0.00%
GETTYSBURG, PA (FHA|USDA|VA) 2 $220,000 $110,000 $0 0.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
Hutchinson, KS (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
JONESBORO, AR (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
Liberal, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
VISALIA, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
NILES, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
Shelby, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
AKRON, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
Farmers Bank & Trust's top markets include Kansas City, New York, Seattle, Los Angeles, and Dallas among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 414 $148,700,000 $359,179 $0 0.00%
    VA 4 $1,890,000 $472,500 $0 0.00%
    USDA 3 $255,000 $85,000 $0 0.00%

    For 2022, Farmers Bank & Trust's most frequently originated type of loan was Conventional, with 414 originations. Their 2nd most popular type was VA, with 4 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 236 $85,830,000 $363,686 $0 0.00%
    Cash Out Refi 139 $49,735,000 $357,806 $0 0.00%
    Refi 43 $15,215,000 $353,837 $0 0.00%
    Home Improvement 3 $65,000 $21,667 $0 0.00%

    For 2022, Farmers Bank & Trust's most frequently cited loan purpose was Home Purchase, with 236 originations. The 2nd most popular reason was Cash Out Refi, with 139 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 421 $150,845,000 $358,302 $0 0.00%

    For 2022, Farmers Bank & Trust's most frequently cited loan duration was Other, with 421 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 134 $40,290,000 $300,672 $0 0.00%
    $400k-600k 114 $55,900,000 $490,351 $0 0.00%
    $100,000 or less 62 $3,360,000 $54,194 $0 0.00%
    $600k-1MM 60 $42,280,000 $704,667 $0 0.00%
    $100k-200k 50 $7,410,000 $148,200 $0 0.00%
    $1MM+ 1 $1,605,000 $1,605,000 $0 0.00%

    2022 saw Farmers Bank & Trust place emphasis on $200k-400k loans with 134 originations, totaling $40,290,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 108 $50,580,000 $468,333 $0 0.00%
    $100k-150k 101 $35,885,000 $355,297 $0 0.00%
    $250k+ 66 $32,160,000 $487,273 $0 0.00%
    $75k-100k 48 $15,710,000 $327,292 $0 0.00%
    $50k or less 33 $2,545,000 $77,121 $0 0.00%
    $50k-75k 30 $4,440,000 $148,000 $0 0.00%

    Farmers Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 108 originations. The second most popular income band? $100k-150k, with 101 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 421 $150,845,000 $358,302 $0 0.00%

    Farmers Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 421 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 231 $75,335,000 $326,126 $0 0.00%
    Not provided 105 $42,615,000 $405,857 $0 0.00%
    Asian 41 $18,145,000 $442,561 $0 0.00%
    Not applicable 28 $8,550,000 $305,357 $0 0.00%
    Asian Indian 6 $2,700,000 $450,000 $0 0.00%
    Black 6 $1,290,000 $215,000 $0 0.00%
    Vietnamese 2 $850,000 $425,000 $0 0.00%
    Chinese 1 $805,000 $805,000 $0 0.00%
    Other Asian 1 $555,000 $555,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.00%

    Farmers Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    17.10%

    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
    Exempt 421 $150,845,000 $358,302

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    421 $150,845,000 $358,302