Applications / Mortgage Analytics / Lenders / Kansas / Farmers Bank & Trust
Great Bend, KS · State non-member bank · FDIC · $1.0 billion assets · 1,100 loans in 2025
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1,100
loans originated, 2025
2,569
applications, 2025
47
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Bank & Trust is a Kansas bank that lends far beyond its home state, in 47 states, with larger typical loans than nearly all its peers, and its originations fell 14% to 1,100.
Its loans reached 205 metros and 414 counties. Its largest market was Seattle-Tacoma-Bellevue, where it ranked 138 of 597 lenders; in Kansas City it ranked 77 of 659, with its share unchanged at 0.3%. Its typical loan was $455,000, against $195,000 at similar lenders (state non-member banks making between half and twice as many loans), higher than nearly all of them.
Originations fell 14% from 1,284, while similar lenders grew 10%. Its record moves sharply: 157 loans in 2018, 3,052 in 2021, 421 in 2022 and 1,077 in 2023. Refinances, which rise and fall with rates, were 51.3% of its lending, which may explain the swings.
VA loans (guaranteed by the Department of Veterans Affairs) were 6.7% of its originations, against 0.5% at similar lenders, up from 3.6% the year before and higher than about nine in ten peers. Its typical rate, 6.25%, was lower than more than four in five peers (6.75%), and its refinance denial rate, 9.2%, was lower than peers' 15.4%.
LMI (low- and moderate-income) borrowers took 7.1% of its loans, against 27.3% at similar lenders, among the lowest tenth; LMI areas took 8.2%, against 14.9%. One possible reason is its loan size: its typical loan was more than double peers'.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers Bank & Trust took 2,569 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.3% · Purchase 45.5% · Other 2.9% · Home improvement 0.3%
Conventional 92.6% · VA 6.7% · USDA (RHS or FSA) 0.6% · of 1,100 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 151 | 13.7% |
| California | 88 | 8.0% |
| Washington | 78 | 7.1% |
| Missouri | 67 | 6.1% |
| Texas | 55 | 5.0% |
| Florida | 49 | 4.5% |
| North Carolina | 47 | 4.3% |
| Colorado | 45 | 4.1% |
| New York | 40 | 3.6% |
| Illinois | 33 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 100 |
| Seattle-Bellevue-Kent | 41 |
| Arlington-Alexandria-Reston | 24 |
| Denver-Aurora-Centennial | 24 |
| Phoenix-Mesa-Chandler | 22 |
| St. Louis | 22 |
| Chicago-Naperville-Schaumburg | 21 |
| New York-Jersey City-White Plains | 20 |
| Everett | 19 |
| Houston-Pasadena-The Woodlands | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LLESTPOVRG3X73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 482156 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117464 | 2003–2012 |
| Respondent ID (the HMDA filer code before 2018) | 317614 | 2013–2017 |
Established 1 August 1907. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Farmers Bank & Trust's data.
Farmers Bank & Trust's data
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Farmers Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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