Farmers Bank 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%
25th17.3% deniedProcesswithdrawn + incomplete share, weight 15%
78th5.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 114 | 77 | 25.4% | 27.4% | — | $12M |
| 2024 | 97 | 66 | 25.8% | 27.5% | — | $8.7M |
| 2025 | 134 | 105 | 16.4% | 17.3% | — | $20M |
What Farmers Bank 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, 15 manufactured homes, 38 investment properties.
Who gets approved at Farmers Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 16 | 33.3% |
| $50k – $100k | 42 | 30 | 26.8% |
| $150k – $250k | 26 | 20 | 13.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 27 | 21 | 16.0% |
| 45–54 | 20 | 15 | 21.1% |
| 55–64 | 35 | 30 | 6.3% |
Where Farmers Bank lends
3 states and 14 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Farmers Bank denied 17.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 25th percentile of small mortgage lenders.
In 2025, 49% of its applications were for home purchases, 25% for refinancing (including cash-out), and 26% 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.