What loan types does Farmers Bank & Trust offer?

Farmers Bank & Trust offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Farmers Bank & Trust offer mortgages?

Farmers Bank & Trust is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Farmers Bank & Trust's mortgage rates?

Farmers Bank & Trust has an overall pricing score of 93.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Farmers Bank & Trust?

Farmers Bank & Trust is a Bank headquartered in Great Bend, KS.

Unclaimed

Farmers Bank & Trust

Bank•Great Bend, KS•Direct

We analyzed every closed loan from Farmers Bank Trust Ks — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Exceptional

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Sound

Conventional · VA

Place

Sound

National · 25 mkts

Safe Rate Awards⭐Refinance Superstar

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Safe Rate's 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

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Report Card

Farmers Bank & Trust performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Exceptional	Market Leader Rates 17.3 bps below market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
VA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National26 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Exceptional	Acceptable	1,100	95.7%	-0.159%Below	$284Fees
VA Loans	Sound	Sound	Exceptional	Acceptable	42	3.7%	-0.636%Below	$64Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Mediocre	783	68.1%	-0.144%Below	$664Fees
Refinance	Strong	Strong	Exceptional	Acceptable	367	31.9%	-0.233%Below	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

Top Metro Areas by Place Specialization Score

Kansas City, MO, MO-KSMSA

Volume: 63Mix: 5.48%of portfolio

Place

Sound

Dallas, TXMSA

Volume: 41Mix: 3.57%of portfolio

Place

Sound

New York, NY-NJMSA

Volume: 28Mix: 2.43%of portfolio

Place

Sound

Houston, TXMSA

Volume: 32Mix: 2.78%of portfolio

Place

Sound

Chicago, ILMSA

Volume: 28Mix: 2.43%of portfolio

Place

Sound

Denver, COMSA

Volume: 25Mix: 2.17%of portfolio

Place

Sound

Phoenix, AZMSA

Volume: 25Mix: 2.17%of portfolio

Place

Sound

Oakland, CAMSA

Volume: 17Mix: 1.48%of portfolio

Place

Sound

Oklahoma City, OK, OKMSA

Volume: 17Mix: 1.48%of portfolio

Place

Sound

Los Angeles, CAMSA

Volume: 21Mix: 1.83%of portfolio

Place

Sound

Showing 10 of 25 metro areas

Top States by Place Specialization Score

KSState

Volume: 67Mix: 5.83%of portfolio

Place

Strong

TXState

Volume: 120Mix: 10.43%of portfolio

Place

Sound

MOState

Volume: 61Mix: 5.30%of portfolio

Place

Sound

CAState

Volume: 92Mix: 8.00%of portfolio

Place

Sound

WAState

Volume: 42Mix: 3.65%of portfolio

Place

Sound

COState

Volume: 44Mix: 3.83%of portfolio

Place

Sound

NYState

Volume: 40Mix: 3.48%of portfolio

Place

Sound

FLState

Volume: 65Mix: 5.65%of portfolio

Place

Sound

AZState

Volume: 38Mix: 3.30%of portfolio

Place

Sound

NCState

Volume: 45Mix: 3.91%of portfolio

Place

Sound

Showing 10 of 31 states

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.