Farmers Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
63rd6.9% deniedPricingmedian rate spread over APOR, weight 30%
3rd1.79 ptsProcesswithdrawn + incomplete share, weight 15%
84th3.4%Closing coststotal loan costs ÷ loan amount, weight 10%
49th1.93% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 598 | 484 | 8.7% | 9.1% | 8.50% | $174M |
| 2024 | 528 | 457 | 6.8% | 7.0% | 8.50% | $121M |
| 2025 | 496 | 429 | 6.7% | 6.9% | 7.75% | $107M |
What Farmers Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 22 manufactured homes, 173 investment properties.
Why Farmers Bank & Trust denies applications
Primary reason reported for each of the 33 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Farmers Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 66 | 41 | 30.0% |
| $50k – $100k | 124 | 101 | 8.4% |
| $100k – $150k | 81 | 76 | 3.7% |
| $150k – $250k | 73 | 67 | 1.4% |
| Over $250k | 60 | 55 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 33 | 26 | 12.5% |
| 25–34 | 96 | 81 | 4.4% |
| 35–44 | 98 | 87 | 7.4% |
| 45–54 | 89 | 75 | 9.4% |
| 55–64 | 54 | 45 | 9.4% |
| 65–74 | 37 | 27 | 14.3% |
Where Farmers Bank & Trust lends
8 states and 54 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Farmers Bank & Trust denied 6.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 63rd percentile of small mortgage lenders.
The most common reason Farmers Bank & Trust gave in 2025 was "credit history", cited on 51.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Farmers Bank & Trust originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 1.79 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 65% of its applications were for home purchases, 23% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 89% conventional, 7% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.