We analyzed every closed loan from Farmers Bank & Trust — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional · VA
Place
Sound
3/5
National · 25 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Refinance
Superstar
Summary
What They Do Well
- Offers rates 17.30 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Farmers Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 17.3 bps below market avg
5/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
1,100 loans · 0.16% below market
Sound
Top 60% of lenders
3/5
VA
42 loans · 0.64% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
783 loans · 0.14% below market
Sound
Top 60% of lenders
3/5
Refinance
367 loans · 0.23% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 26 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,100 | 95.7% | -0.159%Below | $284Fees | ||||
VA Loans | 42 | 3.7% | -0.636%Below | $64Fees |
Conventional
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume1,100
Mix95.7%
Spread
-0.159%Below
Fees
$284Fees
VA Loans
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume42
Mix3.7%
Spread
-0.636%Below
Fees
$64Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 783 | 68.1% | -0.144%Below | $664Fees | ||||
Refinance | 367 | 31.9% | -0.233%Below | $539Credit |
Purchase
OverallSound
ProductSound
PricingExceptional
Pull ThroughMediocre
Volume783
Mix68.1%
Spread
-0.144%Below
Fees
$664Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume367
Mix31.9%
Spread
-0.233%Below
Fees
$539Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,150
Applications
2,358
Volume
$558 million
Pricing & Closing
Avg Rate Spread
-0.173%
vs. market APOR
Avg Net Fees
$275
Origination − Credits
Pullthrough Rate
48.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$485,478
Avg Borrower Income
$224,884
Avg Property Value
$670,183
Geographic Coverage
Geographic Performance
Metro Areas
25
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
50Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDCDEFLGAKYLAMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 25 metro areas
Top States by Place Specialization Score
Showing 10 of 31 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.