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Farmers Bank & Trust
Bank|Great Bend, KS|National
Loans Originated
1,150
Applications
2,358
Volume
$558 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
-0.173%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$275
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
48.8%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
Farmers Bank & Trust performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 26 metro areas · 50 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$485,478
Average Borrower Income
$224,884
Average Property Value
$670,183
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Exceptional | Acceptable | 1,100 | 95.7% | -0.159% | $284 |
VA Loans | Sound | Sound | Exceptional | Acceptable | 42 | 3.7% | -0.636% | $64 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Exceptional | Mediocre | 783 | 68.1% | -0.144% | $664 |
Refinance | Sound | Strong | Exceptional | Acceptable | 367 | 31.9% | -0.233% | -$539 |
Geographic Coverage
Metro Areas
25
States Served
50
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Kansas City, MO, MO-KSMSA
Volume: 63Mix: 5.48%
Place Specialization
Sound
2
Dallas, TXMSA
Volume: 41Mix: 3.57%
Place Specialization
Sound
3
New York, NY-NJMSA
Volume: 28Mix: 2.43%
Place Specialization
Sound
4
Houston, TXMSA
Volume: 32Mix: 2.78%
Place Specialization
Sound
5
Chicago, ILMSA
Volume: 28Mix: 2.43%
Place Specialization
Sound
6
Denver, COMSA
Volume: 25Mix: 2.17%
Place Specialization
Sound
7
Phoenix, AZMSA
Volume: 25Mix: 2.17%
Place Specialization
Sound
8
Oakland, CAMSA
Volume: 17Mix: 1.48%
Place Specialization
Sound
9
Oklahoma City, OK, OKMSA
Volume: 17Mix: 1.48%
Place Specialization
Sound
10
Los Angeles, CAMSA
Volume: 21Mix: 1.83%
Place Specialization
Sound
Showing 10 of 25 metro areas
Top States by Place Specialization Score
1
KSState
Volume: 67Mix: 5.83%
Place Specialization
Strong
2
TXState
Volume: 120Mix: 10.43%
Place Specialization
Sound
3
MOState
Volume: 61Mix: 5.30%
Place Specialization
Sound
4
CAState
Volume: 92Mix: 8.00%
Place Specialization
Sound
5
WAState
Volume: 42Mix: 3.65%
Place Specialization
Sound
6
COState
Volume: 44Mix: 3.83%
Place Specialization
Sound
7
NYState
Volume: 40Mix: 3.48%
Place Specialization
Sound
8
FLState
Volume: 65Mix: 5.65%
Place Specialization
Sound
9
AZState
Volume: 38Mix: 3.30%
Place Specialization
Sound
10
NCState
Volume: 45Mix: 3.91%
Place Specialization
Sound
Showing 10 of 31 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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