What loan types does The Farmers Bank offer?

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

Where does The Farmers Bank offer mortgages?

The Farmers Bank offers mortgages in 3 states: AL, KY, TN.

How competitive are The Farmers Bank's mortgage rates?

The Farmers Bank has an overall pricing score of 82.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Farmers Bank?

The Farmers Bank is a Bank headquartered in Portland, TN.

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The Farmers Bank

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The Farmers Bank has 125 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 7.80 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

The Farmers Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 7.8 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

106 loans · 0.10% below market

Acceptable

Bottom 40% of lenders

2/5

FHA

11 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

90 loans · 0.11% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

35 loans · 0.06% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Acceptable	106	84.8%	-0.096%Below	$1,188Fees
FHA Loans	Sound	Sound	—	—	11	8.8%	+0.135%Above	$1,139Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume106

Mix84.8%

Spread

-0.096%Below

Fees

$1,188Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix8.8%

Spread

+0.135%Above

Fees

$1,139Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	90	72.0%	-0.113%Below	$1,090Fees
Refinance	Sound	Sound	—	Sound	35	28.0%	+0.059%Above	$1,577Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume90

Mix72.0%

Spread

-0.113%Below

Fees

$1,090Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume35

Mix28.0%

Spread

+0.059%Above

Fees

$1,577Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

125

Applications

180

Volume

$46 million

Pricing & Closing

Avg Rate Spread

-0.078%

vs. market APOR

Avg Net Fees

$1,188

Origination − Credits

Pullthrough Rate

69.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$375,000

Avg Borrower Income

$128,760

Avg Property Value

$608,840

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 100100+None

South3

ALKYTN

Top Metro Areas by Place Specialization Score

Nashville, TNMetro

Volume 113Mix 90.40% of portfolio

77/100

Strong

Top States by Place Specialization Score

TennesseeState

Volume 116Mix 92.80% of portfolio

72/100

Strong

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.