# Farmers Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/farmers-bank-trust-ks


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Farmers Bank & Trust is a bank, headquartered in Great Bend, KS, serving borrowers nationwide, with 1,150 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300LLESTPOVRG3X73
- **Headquarters:** Great Bend, KS
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 26
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.173%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $275
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,150
- **Dollar Volume:** $558 million
- **Applications Received:** 2,358
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $485,478
- **Average Borrower Income:** $224,884
- **Average Property Value:** $670,183

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 1,100 | -0.159% | $284 | Sound ☺️ |
| VA | 45/100 | 42 | -0.636% | $64 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 737 loans, Score: 55/100 (Sound)
- Refinance: 363 loans, Score: 64/100 (Strong)

**VA:**
- Purchase: 40 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 783 | $370M | -0.144% | Sound ☺️ |
| Refinance | 60/100 | 367 | $188M | -0.233% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 120 | 0.03% | 59/100 |
| CA | 92 | 0.03% | 55/100 |
| KS | 67 | 0.22% | 64/100 |
| FL | 65 | 0.02% | 51/100 |
| MO | 61 | 0.08% | 56/100 |
| NC | 45 | 0.03% | 51/100 |
| CO | 44 | 0.05% | 53/100 |
| WA | 42 | 0.05% | 54/100 |
| NY | 40 | 0.04% | 52/100 |
| AZ | 38 | 0.04% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 132 | 55/100 |
| Kansas City, MO | MO-KS | 63 | 60/100 |
| Dallas | TX | 41 | 53/100 |
| Houston | TX | 32 | 50/100 |
| Chicago | IL | 28 | 49/100 |
| New York | NY-NJ | 28 | 50/100 |
| Denver | CO | 25 | 49/100 |
| Phoenix | AZ | 25 | 47/100 |
| Los Angeles | CA | 21 | 46/100 |
| Arlington | VA-WV | 19 | 46/100 |
| Charlotte | NC-SC | 18 | 45/100 |
| Austin | TX | 17 | 45/100 |
| Oakland | CA | 17 | 46/100 |
| Oklahoma City, OK | OK | 17 | 46/100 |
| Atlanta | GA | 16 | 43/100 |

## Frequently Asked Questions

### What loan types does Farmers Bank & Trust offer?

Farmers Bank & Trust offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Farmers Bank & Trust offer mortgages?

Farmers Bank & Trust is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Farmers Bank & Trust's mortgage rates?

Farmers Bank & Trust has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.173% below market average.

### What type of lender is Farmers Bank & Trust?

Farmers Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Great Bend, KS.

### What is Farmers Bank & Trust's loan approval success rate?

Farmers Bank & Trust has a pull-through score of 27/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/farmers-bank-trust-ks

### How to Cite

> "Farmers Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/farmers-bank-trust-ks

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