Farmers Bank & Trust Mortgage Rates, Fees & Info
Great Bend, KSLEI: 549300LLESTPOVRG3X73
Tax ID: 48-0216340
5 stars - Updated: 4/5/25
-
out of 5 stars, based on 36 reviews
Latest/2024 | 2023 Data | 2022 Data | 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 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, Dallas, Seattle, and Chicago among others. We have data for 250 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 a low 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.64% | 4/5/25 |
| 30 Year Conventional Refi | 6.52% | 4/5/25 |
| 30 Year Cash-out Refi | 6.67% | 4/5/25 |
| 30 Year VA Purchase | 6.14% | 4/5/25 |
| 30 Year VA Refi | 6.00% | 4/5/25 |
| 30 Year USDA Purchase | 7.68% | 4/5/25 |
| 15 Year Conventional Purchase | 5.76% | 4/5/25 |
| 15 Year Conventional Refi | 5.49% | 4/5/25 |
| 15 Year Cash-out Refi | 5.49% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Farmers Bank & Trust Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Farmers Bank & Trust. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,284Origination Dollar Volume (All Markets)
$586,060,000Awards
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Farmers Bank & Trust - 2024
Farmers Bank & Trust is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Farmers Bank & Trust's average 30 year fixed mortgage rate was
6.42%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.13%.
Relative Fees (Closing Costs)
Farmers Bank & Trust's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,937.
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 $8,356.
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) | 96 | $38,370,000 | $399,688 | $3,171 | 6.67% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 56 | $34,810,000 | $621,607 | $6,168 | 6.56% |
| Outside of Metro Areas | 81 | $25,875,000 | $319,444 | $3,660 | 6.80% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 52 | $24,590,000 | $472,885 | $5,122 | 6.12% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 34 | $20,310,000 | $597,353 | $4,200 | 6.40% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 39 | $18,685,000 | $479,103 | $5,034 | 6.33% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 33 | $18,035,000 | $546,515 | $3,960 | 6.54% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 28 | $17,310,000 | $618,214 | $5,686 | 6.60% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 23 | $16,675,000 | $725,000 | $4,258 | 6.51% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 25 | $15,795,000 | $631,800 | $4,403 | 6.33% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 32 | $15,400,000 | $481,250 | $6,338 | 6.24% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 26 | $12,910,000 | $496,538 | $4,006 | 6.26% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 29 | $12,675,000 | $437,069 | $4,874 | 6.49% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 26 | $12,650,000 | $486,538 | $4,682 | 6.40% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 23 | $11,175,000 | $485,870 | $3,955 | 6.36% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 20 | $8,390,000 | $419,500 | $3,909 | 6.52% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 16 | $8,340,000 | $521,250 | $5,644 | 6.29% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 17 | $7,985,000 | $469,706 | $5,601 | 5.83% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 16 | $7,270,000 | $454,375 | $3,708 | 6.39% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $6,615,000 | $508,846 | $6,069 | 6.32% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 14 | $6,530,000 | $466,429 | $4,060 | 6.45% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 9 | $6,415,000 | $712,778 | $5,187 | 6.21% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 13 | $6,375,000 | $490,385 | $3,910 | 6.31% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 17 | $6,285,000 | $369,706 | $5,734 | 6.45% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 11 | $5,155,000 | $468,636 | $3,804 | 6.73% |
| BOULDER, CO (FHA|USDA|VA) | 9 | $4,965,000 | $551,667 | $4,168 | 6.54% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $4,325,000 | $393,182 | $5,119 | 6.93% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 10 | $4,200,000 | $420,000 | $3,785 | 6.81% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 11 | $4,095,000 | $372,273 | $5,817 | 6.26% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 9 | $4,045,000 | $449,444 | $4,072 | 6.33% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $3,945,000 | $563,571 | $6,794 | 6.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 10 | $3,860,000 | $386,000 | $3,190 | 6.08% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 11 | $3,835,000 | $348,636 | $4,839 | 6.80% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 8 | $3,570,000 | $446,250 | $5,377 | 6.23% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $3,510,000 | $438,750 | $5,343 | 6.42% |
| COLUMBUS, OH (FHA|USDA|VA) | 7 | $3,445,000 | $492,143 | $4,056 | 6.41% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $3,320,000 | $553,333 | $4,403 | 6.73% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $3,320,000 | $553,333 | $3,693 | 6.80% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $3,310,000 | $827,500 | $6,877 | 6.72% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $2,955,000 | $591,000 | $4,298 | 6.05% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $2,910,000 | $485,000 | $4,184 | 6.48% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $2,875,000 | $410,714 | $4,078 | 6.64% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $2,855,000 | $407,857 | $3,398 | 6.86% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $2,815,000 | $938,333 | $4,041 | 6.42% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $2,805,000 | $2,805,000 | $68,352 | 6.25% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $2,725,000 | $908,333 | $10,299 | 6.42% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $2,625,000 | $525,000 | $6,778 | 6.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $2,350,000 | $293,750 | $3,728 | 6.42% |
| Great Bend, KS (FHA|USDA|VA) | 16 | $2,310,000 | $144,375 | $2,062 | 7.17% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $2,310,000 | $385,000 | $6,917 | 6.99% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 6 | $2,280,000 | $380,000 | $3,366 | 6.44% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $4,716 | 6.10% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $2,230,000 | $557,500 | $4,676 | 5.97% |
| BEND, OR (FHA|USDA|VA) | 4 | $2,080,000 | $520,000 | $5,272 | 6.06% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,930,000 | $482,500 | $4,432 | 6.59% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,895,000 | $631,667 | $6,263 | 6.16% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $3,805 | 7.10% |
| Payson, AZ (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $3,911 | 6.25% |
| RENO, NV (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $4,461 | 6.56% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $3,563 | 6.81% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $3,584 | 5.95% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $4,038 | 6.21% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $4,371 | 6.25% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $2,808 | 6.38% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $1,615,000 | $538,333 | $6,652 | 6.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $8,626 | 6.53% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $5,938 | 6.62% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,530,000 | $765,000 | $4,514 | 6.81% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $3,858 | 6.50% |
| TOPEKA, KS (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $2,549 | 6.13% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $8,900 | 6.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $4,225 | 6.58% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $2,777 | 5.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $4,437 | 6.66% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $6,803 | 6.31% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $4,955 | 6.58% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $6,753 | 6.24% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $3,322 | 6.57% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $3,746 | 6.84% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $12,966 | 5.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $3,387 | 6.31% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $7,226 | 6.29% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $5,858 | 6.08% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $6,273 | 6.56% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $2,485 | 7.17% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $5,395 | 5.81% |
| LINCOLN, NE (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $2,723 | 6.56% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $3,901 | 5.88% |
| MADISON, WI (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $3,234 | 5.75% |
| Hood River, OR (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $2,433 | 6.44% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $6,060 | 6.56% |
| MADERA, CA (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $3,318 | 6.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $4,402 | 6.42% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $2,681 | 7.05% |
| TULSA, OK (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $4,530 | 6.33% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $4,212 | 6.58% |
| LAWRENCE, KS (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $1,950 | 6.89% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,387 | 6.58% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $4,380 | 6.06% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $3,044 | 6.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $4,257 | 6.31% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $5,335 | 6.79% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $6,492 | 6.50% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $8,158 | 6.13% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $5,335 | 6.00% |
| Astoria, OR (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $3,961 | 6.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,669 | 7.39% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,384 | 6.88% |
| AKRON, OH (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $4,263 | 6.94% |
| Branson, MO (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,269 | 6.92% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $2,815 | 5.12% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $3,335 | 6.49% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $3,475 | 6.38% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,950 | 7.65% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,952 | 6.56% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,217 | 6.63% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,065 | 6.31% |
| Heber, UT (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,065 | 6.25% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $6,268 | 5.99% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $4,363 | 5.99% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $7,214 | 5.49% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $4,552 | 6.31% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $5,987 | 6.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,157 | 5.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,286 | 7.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,240 | 6.37% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $3,428 | 5.63% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $3,316 | 7.77% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $6,155 | 7.00% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $9,411 | 6.44% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,138 | 6.38% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,798 | 5.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,299 | 6.56% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,335 | 5.88% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,124 | 5.99% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $26,630 | 5.50% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,229 | 5.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,624 | 8.64% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,504 | 6.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,652 | 6.50% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,302 | 6.38% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,368 | 6.12% |
| Oxford, MS (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,056 | 6.50% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,924 | 6.50% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,476 | 5.99% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $2,293 | 6.25% |
| Key West, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,863 | 6.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,309 | 5.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,712 | 6.38% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,308 | 6.75% |
| Searcy, AR (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,922 | 5.88% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,298 | 6.63% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $7,011 | 6.38% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $1,594 | 6.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,706 | 6.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,693 | 6.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,923 | 6.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,794 | 6.50% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,190 | 5.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $10,146 | 6.88% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,033 | 6.25% |
| Laramie, WY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,335 | 6.50% |
| READING, PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,165 | 5.99% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,308 | 6.50% |
| Hudson, NY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,302 | 6.38% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,301 | 6.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,468 | 5.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,331 | 6.38% |
| Granbury, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,045 | 6.49% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,423 | 6.13% |
| Durango, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,208 | 5.88% |
| Hilo, HI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,707 | 5.88% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,376 | 6.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,823 | 6.25% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,623 | 6.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,923 | 6.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,172 | 8.03% |
| Greenville, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,984 | 6.25% |
| Hays, KS (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,745 | 6.87% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,209 | 5.99% |
| NILES, MI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,773 | 5.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,430 | 5.75% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,688 | 4.99% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,136 | 6.49% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,046 | 6.38% |
| WACO, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,129 | 5.88% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,135 | 6.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,158 | 6.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,146 | 6.49% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,386 | 7.46% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,650 | 6.25% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,282 | 5.13% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,327 | 6.38% |
| TYLER, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,892 | 6.38% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,146 | 6.81% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,037 | 7.50% |
| Olean, NY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,596 | 5.50% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,123 | 5.63% |
| FLINT, MI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,782 | 6.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,446 | 6.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,582 | 6.88% |
| Shelton, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,662 | 5.88% |
| LIMA, OH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,938 | 6.75% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,713 | 5.99% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,334 | 7.25% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,897 | 6.49% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,794 | 7.13% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,637 | 6.88% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,391 | 5.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,947 | 6.50% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,574 | 7.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,537 | 7.50% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,878 | 6.88% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,364 | 5.49% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,471 | 5.99% |
| MONROE, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,612 | 5.49% |
| Ashland, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,541 | 6.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,342 | 6.38% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,110 | 4.99% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,089 | 6.70% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,752 | 6.62% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,431 | 6.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,685 | 7.50% |
| Garden City, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,419 | 6.38% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,184 | 6.63% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,946 | 7.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,715 | 5.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,258 | 6.49% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,001 | 6.88% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,781 | 6.63% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,786 | 6.88% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,962 | 6.13% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,813 | 6.63% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,895 | 6.63% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,190 | 6.75% |
| Clovis, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,613 | 6.25% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,961 | 7.13% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,123 | 7.13% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,815 | 6.38% |
| Adrian, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,758 | 6.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.14% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,621 | 10.07% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,529 | 8.81% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,526 | 10.32% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,237 | 10.41% |
| Danville, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,477 | 9.60% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,523 | 9.18% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,035 | 8.53% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $883 | 8.64% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $943 | 8.82% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,236 | $560,340,000 | $453,350 | $4,471 | 6.52% |
| VA | 46 | $25,570,000 | $555,870 | $8,700 | 6.02% |
| USDA | 2 | $150,000 | $75,000 | $2,809 | 7.19% |
For 2024, Farmers Bank & Trust's most frequently originated type of loan was Conventional, with 1,236 originations. Their 2nd most popular type was VA, with 46 originations.
Loan Reason
For 2024, Farmers Bank & Trust's most frequently cited loan purpose was Home Purchase, with 820 originations. The 2nd most popular reason was Refi, with 301 originations.
Loan Duration/Length
For 2024, Farmers Bank & Trust's most frequently cited loan duration was 30 Year, with 994 originations. The 2nd most popular length was 20 Year, with 119 originations.
Origination Fees/Closing Costs
Farmers Bank & Trust's average total fees were $4,937, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 583 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 752 | $368,380,000 | $489,867 |
| 5-6% | 321 | $164,755,000 | $513,255 |
| 7-8% | 98 | $27,100,000 | $276,531 |
| Over 8% | 79 | $9,455,000 | $119,684 |
| 4-5% | 34 | $16,370,000 | $481,471 |
During 2024, Farmers Bank & Trust's average interest rate for loans was 6.42%, while their most frequently originated rate bucket for loans was 6-7%, with 752 originations.
Loan Sizing
2024 saw Farmers Bank & Trust place emphasis on $400k-600k loans with 439 originations, totaling $216,105,000 in origination value.
Applicant Income
Farmers Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 535 originations. The second most popular income band? $250k+, with 370 originations.
Applicant Debt to Income Ratio
Farmers Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 284 originations. The next most common DTI ratio? 30-36%, with 247 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.02%
Farmers Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination17.37%
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 | 1,284 | $586,060,000 | $456,433 |