# The Farmers Bank and Savings Company

> **Canonical URL:** https://saferate.com/lenders/the-farmers-bank-and-savings


> **📋 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


The Farmers Bank and Savings Company is a bank, headquartered in Pomeroy, OH, serving borrowers across 3 states, with 57 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 25490074WALW1U7G4555
- **Headquarters:** Pomeroy, OH
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** KY, OH, WV
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.2%
- **Brokered/Wholesale:** 0.8%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.577%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,226
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 57
- **Dollar Volume:** $10 million
- **Applications Received:** 121
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $173,947
- **Average Borrower Income:** $99,193
- **Average Property Value:** $254,825

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 57 | +0.577% | $1,226 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 36 loans, Score: 21/100 (Acceptable)
- Refinance: 21 loans, Score: 32/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 36 | $7M | +0.437% | Acceptable 🙂 |
| Refinance | 28/100 | 21 | $3M | +0.773% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 44 | 0.03% | 60/100 |
| WV | 12 | 0.08% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 52 | 55/100 |

## Frequently Asked Questions

### What loan types does The Farmers Bank and Savings Company offer?

The Farmers Bank and Savings Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Farmers Bank and Savings Company offer mortgages?

The Farmers Bank and Savings Company offers mortgages in 3 states: KY, OH, WV.

### How competitive are The Farmers Bank and Savings Company's mortgage rates?

The Farmers Bank and Savings Company has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.577% above market average.

### What type of lender is The Farmers Bank and Savings Company?

The Farmers Bank and Savings Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Pomeroy, OH.

### What is The Farmers Bank and Savings Company's loan approval success rate?

The Farmers Bank and Savings Company has a pull-through score of 24/100 (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/the-farmers-bank-and-savings

### How to Cite

> "The Farmers Bank and Savings Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-farmers-bank-and-savings

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