Farmers Bank & Trust in Missouri vs the state
4.6%Denial rate-10.45 pts vs state
7.8%Decision denial rate-10.91 pts vs state
51.5%Origination rate-11.12 pts vs state
6.49%Median rate-0.13 pts vs state
-0.10Rate spread (pts)-0.45 pts vs state
$160kMedian applicant income
67Loans originated
6Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 54 | 10.2% | 6.62% | #254 |
| 2024 | 113 | 75 | 2.7% | 6.50% | #233 |
| 2025 | 130 | 67 | 4.6% | 6.49% | #235 |
What Farmers Bank & Trust lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 38 | 27 | 0 | 0.0% |
| St. Louis County | 15 | 9 | 0 | 0.0% |
| Clay County | 14 | 6 | 0 | 0.0% |
| St. Charles County | 12 | 6 | 1 | 8.3% |
| Platte County | 10 | 3 | 0 | 0.0% |
| Stone County | 5 | 3 | 0 | 0.0% |
| Cass County | 4 | 3 | 0 | 0.0% |
| Camden County | 3 | 1 | 0 | 0.0% |
| Boone County | 3 | 2 | 0 | 0.0% |
| Greene County | 3 | 0 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 130 applications in 2025, of which 67 were originated and 6 denied.
4.6% of all applications, or 7.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Farmers Bank & Trust originated in Missouri in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Farmers Bank & Trust's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology