Farmers Bank & Trust Mortgage Rates, Fees & Info
Great Bend, KSLEI: 549300LLESTPOVRG3X73
Tax ID: 48-0216340
Latest/2023 | 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 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.
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.
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Originations
421Origination Dollar Volume (All Markets)
$150,845,000Top 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% |
Similar Lenders
We use machine learning to identify the top lenders compared against Farmers Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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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
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
2022 saw Farmers Bank & Trust place emphasis on $200k-400k loans with 134 originations, totaling $40,290,000 in origination value.
Applicant Income
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
Approval Rates
Total approvals of all applications90.00%
Farmers Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination17.10%
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 |