Farmers Bank & Trust mortgage approval rate & lending review
Farmers Bank & Trust decided 3,126 mortgage applications and funded 2,684 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Farmers Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Farmers Bank & Trust at a glance
Approval is 8.7 points above the 81.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,367 / 1,465 | 96% | $485K | 1,315 |
| Cash-out refinance | 74% | 331 / 447 | 89% | $295K | 296 |
| Refinance | 95% | 631 / 666 | 94% | $545K | 590 |
| Investment property purchase | 93% | 363 / 390 | 97% | $395K | 351 |
| Investment cash-out refinance | 76% | 38 / 50 | 92% | $325K | 35 |
| Investment refinance | 93% | 99 / 107 | 97% | $375K | 96 |
Farmers Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 92% | $505K | 298 | 265 |
| California | 89% | $655K | 274 | 224 |
| Florida | 88% | $465K | 258 | 212 |
| Kansas | 93% | $415K | 160 | 144 |
| Washington | 94% | $675K | 145 | 129 |
| New York | 85% | $605K | 143 | 105 |
| Missouri | 92% | $375K | 138 | 124 |
| Illinois | 87% | $485K | 135 | 114 |
| North Carolina | 91% | $485K | 129 | 112 |
| Colorado | 97% | $535K | 118 | 111 |
| Arizona | 93% | $475K | 94 | 82 |
| New Jersey | 84% | $525K | 92 | 72 |
| Massachusetts | 83% | $585K | 84 | 68 |
| Pennsylvania | 94% | $485K | 77 | 65 |
| Virginia | 92% | $605K | 75 | 67 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Farmers Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, KS | Refinance | 100% | 22 | 21 |
The county markets where Farmers Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Farmers Bank & Trust
What is Farmers Bank & Trust's mortgage approval rate?
Farmers Bank & Trust approved 90.5% of the 3,126 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 81.9% national rate for the same mix of loan types.
How often do borrowers take the loan Farmers Bank & Trust offers?
Borrowers accepted 95% of the loans Farmers Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Farmers Bank & Trust make?
The typical home purchase mortgage loan Farmers Bank & Trust made was $485K; across all loan types its typical loan ran from $295K to $545K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Farmers Bank & Trust lend?
Farmers Bank & Trust decided applications in 48 of the states Fat Boy Data covers, most of them in Texas, California and Florida.
Can I apply to Farmers Bank & Trust directly?
Yes. Farmers Bank & Trust is a bank or credit union with 51 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Farmers Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Farmers Bank & Trust treats applications, then get a rate quote from the lender.