Farmers Bank & Trust in Florida vs the state
8.0%Denial rate-13.06 pts vs state
14.7%Decision denial rate-12.53 pts vs state
39.2%Origination rate-13.49 pts vs state
6.38%Median rate-0.25 pts vs state
-0.20Rate spread (pts)-0.46 pts vs state
$200kMedian applicant income
49Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 237 | 106 | 8.9% | 6.19% | #354 |
| 2024 | 165 | 72 | 8.5% | 6.50% | #404 |
| 2025 | 125 | 49 | 8.0% | 6.38% | #446 |
What Farmers Bank & Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 12 | 6 | 1 | 8.3% |
| Palm Beach County | 12 | 4 | 0 | 0.0% |
| Lee County | 9 | 3 | 0 | 0.0% |
| Sarasota County | 8 | 3 | 1 | 12.5% |
| Seminole County | 6 | 0 | 1 | 16.7% |
| Pasco County | 6 | 3 | 0 | 0.0% |
| Miami-Dade County | 6 | 4 | 1 | 16.7% |
| Lake County | 6 | 3 | 2 | 33.3% |
| St. Johns County | 6 | 2 | 0 | 0.0% |
| Collier County | 5 | 1 | 1 | 20.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 125 applications in 2025, of which 49 were originated and 10 denied.
8.0% of all applications, or 14.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Farmers Bank & Trust originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Farmers Bank & Trust's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology