The Farmers Bank and Savings Company
The Farmers Bank and Savings Company received 266 applications in 2025 and made 167 mortgages, in 22 counties across 8 states. The median rate its borrowers got was 7.125% on a median loan of $125,000. Of 224 decisions, 57 were denials — 25.5%, most often for other. 9 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 25490074WALW1U7G4555 |
|---|---|
| Applications received | 266 |
| Mortgages made | 167 |
| Denied | 57 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 42 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.621 points |
| FDIC-insured bank | Yes: The Farmers Bank and Savings Company, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 73 | 7.125% | $145,000 | 34.2% |
| Refinancing | 19 | 6.875% | $145,000 | 20.8% |
| Cash-out refinancing | 34 | 7.063% | $110,000 | 12.8% |
| Other purposes | 41 | 7.125% | $125,000 | 18.0% |
Where The Farmers Bank and Savings Company lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Meigs County, OH | 48 | 7.125% | 22.6% |
| Gallia County, OH | 45 | 7.125% | 28.6% |
| Mason County, WV | 29 | 7.125% | 25.6% |
| Athens County, OH | 19 | 7.000% | 17.4% |
| Washington County, OH | 3 | Under 10 loans | 0.0% |
| Cabell County, WV | 3 | Under 10 loans | 0.0% |
| Jackson County, WV | 3 | Under 10 loans | 0.0% |
| Kanawha County, WV | 3 | Under 10 loans | 0.0% |
| Putnam County, WV | 3 | Under 10 loans | 0.0% |
| Fairfield County, OH | 2 | Under 10 loans | 0.0% |
| Hinsdale County, CO | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Bath County, KY | 1 | Under 10 loans | 0.0% |
| Tioga County, NY | 1 | Under 10 loans | 0.0% |
| Hocking County, OH | 1 | Under 10 loans | 50.0% |
| Jackson County, OH | 1 | Under 10 loans | 50.0% |
| Vinton County, OH | 1 | Under 10 loans | 0.0% |
| Wayne County, OH | 1 | Under 10 loans | 0.0% |
| Wood County, WV | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 0 | Under 10 loans | 100.0% |
| Lawrence County, OH | 0 | Under 10 loans | Not published |
| Southampton County, VA | 0 | Under 10 loans | Not published |
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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.