The Farmers Bank of Willards mortgage approval rate & lending review
The Farmers Bank of Willards decided 303 mortgage applications and funded 245 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Farmers Bank of Willards reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Farmers Bank of Willards at a glance
Approval is 2.0 points above the 81.5% 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 | 80% | 115 / 143 | 97% | $205K | 112 |
| Home improvement loans | 93% | 28 / 30 | 96% | $75K | 27 |
| Refinance | 78% | 40 / 51 | 98% | $165K | 39 |
| Investment property purchase | 93% | 52 / 56 | 96% | $125K | 50 |
The Farmers Bank of Willards lending by state
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 The Farmers Bank of Willards lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wicomico County, MD | Mortgage lenders | 82% | 84 | 68 |
| Sussex County, DE | Mortgage lenders | 78% | 58 | 43 |
| Wicomico County, MD | Investment property purchase | 92% | 36 | 32 |
| Wicomico County, MD | Refinance | 81% | 36 | 28 |
| Wicomico County, MD | Home improvement loans | 91% | 23 | 20 |
| Sussex County, DE | Investment property purchase | 95% | 20 | 18 |
The county markets where The Farmers Bank of Willards made the most loans. Each link opens that market with every lender ranked.
Questions about The Farmers Bank of Willards
What is The Farmers Bank of Willards's mortgage approval rate?
The Farmers Bank of Willards approved 83.5% of the 303 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.0 points above the 81.5% national rate for the same mix of loan types.
How often do borrowers take the loan The Farmers Bank of Willards offers?
Borrowers accepted 97% of the loans The Farmers Bank of Willards 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 The Farmers Bank of Willards make?
The typical home purchase mortgage loan The Farmers Bank of Willards made was $205K; across all loan types its typical loan ran from $75K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Farmers Bank of Willards lend?
The Farmers Bank of Willards decided applications in 2 of the states Fat Boy Data covers, most of them in Maryland and Delaware.
Can I apply to The Farmers Bank of Willards directly?
Yes. The Farmers Bank of Willards is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Farmers Bank of Willards'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 The Farmers Bank of Willards treats applications, then get a rate quote from the lender.