Farmers Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
47th10.5% deniedProcesswithdrawn + incomplete share, weight 15%
85th3.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 319 | 277 | 4.7% | 4.8% | — | $46M |
| 2024 | 275 | 229 | 9.8% | 10.1% | — | $62M |
| 2025 | 315 | 251 | 10.2% | 10.5% | — | $70M |
What Farmers Bank and 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, 29 manufactured homes, 140 investment properties.
Who gets approved at Farmers Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 50 | 31 | 34.0% |
| $50k – $100k | 81 | 61 | 12.5% |
| $100k – $150k | 49 | 37 | 10.6% |
| $150k – $250k | 21 | 17 | 5.0% |
| Over $250k | 28 | 28 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 49 | 33 | 12.5% |
| 35–44 | 46 | 30 | 23.3% |
| 45–54 | 48 | 40 | 10.4% |
| 55–64 | 47 | 38 | 13.6% |
Where Farmers Bank and Trust lends
6 states and 34 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Farmers Bank and Trust denied 10.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 47th percentile of small mortgage lenders.
In 2025, 64% of its applications were for home purchases, 26% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.