Farmers Bank & Trust Company
Farmers Bank & Trust Company received 496 applications in 2025 and made 429 mortgages, in 54 counties across 8 states. The median rate its borrowers got was 7.750% on a median loan of $165,000. Of 479 decisions, 33 were denials — 6.9%, most often for credit history.
| Legal Entity Identifier | 549300GKNMX0ZXKVPE54 |
|---|---|
| Applications received | 496 |
| Mortgages made | 429 |
| Denied | 33 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.789 points |
| FDIC-insured bank | Yes: Farmers Bank & Trust Company, 38 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 285 | 7.750% | $175,000 | 5.4% |
| Refinancing | 86 | 7.625% | $155,000 | 3.2% |
| Cash-out refinancing | 15 | 7.625% | $265,000 | 6.3% |
| Other purposes | 43 | 8.500% | $65,000 | 21.1% |
Where Farmers Bank & Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Columbia County, AR | 70 | 8.500% | 5.3% |
| Bowie County, TX | 61 | 7.500% | 1.5% |
| Lamar County, TX | 46 | 7.250% | 7.7% |
| Hempstead County, AR | 33 | 8.500% | 15.0% |
| Ouachita County, AR | 23 | 7.750% | 7.4% |
| Collin County, TX | 21 | 7.375% | 0.0% |
| Howard County, AR | 19 | 7.500% | 13.0% |
| Miller County, AR | 18 | 8.000% | 10.0% |
| Nevada County, AR | 15 | 8.500% | 11.8% |
| Sevier County, AR | 11 | 8.000% | 7.7% |
| Webster Parish, LA | 9 | Under 10 loans | 0.0% |
| Hot Spring County, AR | 8 | Under 10 loans | 0.0% |
| Garland County, AR | 7 | Under 10 loans | 0.0% |
| Lafayette County, AR | 7 | Under 10 loans | 0.0% |
| Union County, AR | 5 | Under 10 loans | 0.0% |
| Cass County, TX | 5 | Under 10 loans | 0.0% |
| Dallas County, TX | 5 | Under 10 loans | 0.0% |
| Benton County, AR | 4 | Under 10 loans | 0.0% |
| Clark County, AR | 4 | Under 10 loans | 0.0% |
| Little River County, AR | 4 | Under 10 loans | 0.0% |
| Pike County, AR | 4 | Under 10 loans | 20.0% |
| Logan County, AR | 3 | Under 10 loans | 0.0% |
| Pulaski County, AR | 3 | Under 10 loans | 0.0% |
| McCurtain County, OK | 3 | Under 10 loans | 50.0% |
| Grayson County, TX | 3 | Under 10 loans | 0.0% |
| Tarrant County, TX | 3 | Under 10 loans | 0.0% |
| Arkansas County, AR | 2 | Under 10 loans | 0.0% |
| Dallas County, AR | 2 | Under 10 loans | 0.0% |
| Faulkner County, AR | 2 | Under 10 loans | 0.0% |
| Saline County, AR | 2 | Under 10 loans | 0.0% |
| Washington County, AR | 2 | Under 10 loans | 0.0% |
| Gallatin County, MT | 2 | Under 10 loans | 0.0% |
| Cherokee County, TX | 2 | Under 10 loans | 0.0% |
| Franklin County, TX | 2 | Under 10 loans | 0.0% |
| Gregg County, TX | 2 | Under 10 loans | 0.0% |
| Boone County, AR | 1 | Under 10 loans | 0.0% |
| Calhoun County, AR | 1 | Under 10 loans | 0.0% |
| Chicot County, AR | 1 | Under 10 loans | 0.0% |
| Drew County, AR | 1 | Under 10 loans | 0.0% |
| Grant County, AR | 1 | Under 10 loans | 0.0% |
| Lonoke County, AR | 1 | Under 10 loans | 50.0% |
| Montgomery County, AR | 1 | Under 10 loans | 50.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Bossier Parish, LA | 1 | Under 10 loans | 0.0% |
| Caddo Parish, LA | 1 | Under 10 loans | 0.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Hunt County, TX | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.