Farmers Bank & Trust Mortgage Rates, Fees & Info
Great Bend, KSLEI: 549300LLESTPOVRG3X73
Tax ID: 48-0216340
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Mortgage Data
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 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
1,077Origination Dollar Volume (All Markets)
$438,505,000Awards
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Farmers Bank & Trust - 2023
Farmers Bank & Trust is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
2023 saw Farmers Bank & Trust place emphasis on $400k-600k loans with 403 originations, totaling $198,045,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications93.59%
Farmers Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination6.87%
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 |