We analyzed every closed loan from Farmers Bank & Trust — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional · VA
Place
Sound
3/5
National · 25 mkts
Awards
Refinance
Superstar
Summary
What They Do Well
- Offers rates 17.30 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Farmers Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 17.3 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 26 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,100 | 95.7% | -0.159%Below | $284Fees | ||||
VA Loans | 42 | 3.7% | -0.636%Below | $64Fees |
Conventional
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume1,100
Mix95.7%
Spread
-0.159%Below
Fees
$284Fees
VA Loans
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume42
Mix3.7%
Spread
-0.636%Below
Fees
$64Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 783 | 68.1% | -0.144%Below | $664Fees | ||||
Refinance | 367 | 31.9% | -0.233%Below | $539Credit |
Purchase
OverallSound
ProductSound
PricingExceptional
Pull ThroughMediocre
Volume783
Mix68.1%
Spread
-0.144%Below
Fees
$664Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume367
Mix31.9%
Spread
-0.233%Below
Fees
$539Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,150
Applications
2,358
Volume
$558 million
Pricing & Closing
Avg Rate Spread
-0.173%
vs. market APOR
Avg Net Fees
$275
Origination − Credits
Pullthrough Rate
48.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$485,478
Avg Borrower Income
$224,884
Avg Property Value
$670,183
Geographic Coverage
Geographic Performance
Metro Areas
25
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
50Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDCDEFLGAKYLAMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 63Mix 5.48% of portfolio
60/100
Sound
Volume 41Mix 3.57% of portfolio
53/100
Sound
Volume 28Mix 2.43% of portfolio
50/100
Sound
Volume 32Mix 2.78% of portfolio
50/100
Sound
Volume 28Mix 2.43% of portfolio
49/100
Sound
Volume 25Mix 2.17% of portfolio
49/100
Sound
Volume 25Mix 2.17% of portfolio
47/100
Sound
Volume 17Mix 1.48% of portfolio
46/100
Sound
Volume 17Mix 1.48% of portfolio
46/100
Sound
Volume 21Mix 1.83% of portfolio
46/100
SoundShowing 10 of 25 metro areas
Top States by Place Specialization Score
1
KansasState
Volume 67Mix 5.83% of portfolio
64/100
Strong2
TexasState
Volume 120Mix 10.43% of portfolio
59/100
Sound3
MissouriState
Volume 61Mix 5.30% of portfolio
56/100
Sound4
CaliforniaState
Volume 92Mix 8.00% of portfolio
55/100
Sound5
WashingtonState
Volume 42Mix 3.65% of portfolio
54/100
Sound6
ColoradoState
Volume 44Mix 3.83% of portfolio
53/100
Sound7
New YorkState
Volume 40Mix 3.48% of portfolio
52/100
Sound8
FloridaState
Volume 65Mix 5.65% of portfolio
51/100
Sound9
ArizonaState
Volume 38Mix 3.30% of portfolio
51/100
Sound10
North CarolinaState
Volume 45Mix 3.91% of portfolio
51/100
SoundShowing 10 of 31 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.