Farmers Bank & Trust
Farmers Bank & Trust received 2,569 applications in 2025 and made 1,100 mortgages, in 654 counties across 49 states. The median rate its borrowers got was 6.250% on a median loan of $455,000. Of 1,356 decisions, 159 were denials — 11.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LLESTPOVRG3X73 |
|---|---|
| Applications received | 2,569 |
| Mortgages made | 1,100 |
| Denied | 159 |
| Approved, not taken up | 97 |
| Withdrawn or incomplete | 1,213 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.151 points |
| FDIC-insured bank | Yes: Farmers Bank & Trust, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 501 | 6.490% | $445,000 | 10.0% |
| Refinancing | 431 | 5.990% | $525,000 | 6.6% |
| Cash-out refinancing | 133 | 6.490% | $385,000 | 19.6% |
| Other purposes | 35 | 9.625% | $105,000 | 43.5% |
Where Farmers Bank & Trust 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 |
|---|---|---|---|
| Johnson County, KS | 51 | 6.490% | 1.8% |
| King County, WA | 41 | 6.375% | 2.2% |
| Pawnee County, KS | 29 | 6.750% | 6.1% |
| Jackson County, MO | 27 | 6.500% | 0.0% |
| Barton County, KS | 24 | 6.688% | 14.3% |
| Maricopa County, AZ | 21 | 6.490% | 0.0% |
| Snohomish County, WA | 19 | 6.124% | 0.0% |
| Cook County, IL | 16 | 5.933% | 14.3% |
| Los Angeles County, CA | 14 | 6.250% | 33.3% |
| Clark County, NV | 14 | 6.250% | 0.0% |
| Rush County, KS | 12 | 6.813% | 14.3% |
| Fairfax County, VA | 11 | 5.875% | 0.0% |
| San Diego County, CA | 10 | 6.500% | 0.0% |
| Harris County, TX | 10 | 6.433% | 0.0% |
| St. Louis County, MO | 9 | Under 10 loans | 0.0% |
| Wake County, NC | 9 | Under 10 loans | 0.0% |
| Orange County, CA | 8 | Under 10 loans | 27.3% |
| Boulder County, CO | 8 | Under 10 loans | 0.0% |
| Denver County, CO | 8 | Under 10 loans | 0.0% |
| Douglas County, KS | 8 | Under 10 loans | 0.0% |
| Middlesex County, MA | 8 | Under 10 loans | 0.0% |
| Nassau County, NY | 8 | Under 10 loans | 8.3% |
| Mecklenburg County, NC | 8 | Under 10 loans | 9.1% |
| Alameda County, CA | 7 | Under 10 loans | 12.5% |
| Arapahoe County, CO | 7 | Under 10 loans | 0.0% |
| Ada County, ID | 7 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 7 | Under 10 loans | 12.5% |
| Franklin County, OH | 7 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 7 | Under 10 loans | 0.0% |
| Bexar County, TX | 7 | Under 10 loans | 0.0% |
| Benton County, AR | 6 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 6 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 6 | Under 10 loans | 11.1% |
| Worcester County, MA | 6 | Under 10 loans | 0.0% |
| Hennepin County, MN | 6 | Under 10 loans | 0.0% |
| Clay County, MO | 6 | Under 10 loans | 0.0% |
| St. Charles County, MO | 6 | Under 10 loans | 14.3% |
| Westchester County, NY | 6 | Under 10 loans | 0.0% |
| Davidson County, TN | 6 | Under 10 loans | 22.2% |
| Denton County, TX | 6 | Under 10 loans | 14.3% |
| Riverside County, CA | 5 | Under 10 loans | 37.5% |
| El Paso County, CO | 5 | Under 10 loans | 0.0% |
| Jefferson County, CO | 5 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 5 | Under 10 loans | 0.0% |
| District of Columbia, DC | 5 | Under 10 loans | 0.0% |
| Sedgwick County, KS | 5 | Under 10 loans | 0.0% |
| Hamilton County, OH | 5 | Under 10 loans | 0.0% |
| Multnomah County, OR | 5 | Under 10 loans | 16.7% |
| Collin County, TX | 5 | Under 10 loans | 0.0% |
| Salt Lake County, UT | 5 | 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.