Farmers Bank and Trust Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
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This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Farmers Bank and Trust
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
84%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
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What Bankrate's editors think
Farmers Bank & Trust traces back to 1907, when it opened as a single-branch bank serving farmers in Albert, Kansas. Its Kansas branches still serve customers in person, but most of its reach comes through Farmers Bank of Kansas City, a nationwide online mortgage arm. That division offers a fuller menu than a typical small-town bank — jumbo loans, VA loans, HomeReady and Home Possible programs, plus a 3%-down conventional option — while the Kansas branches stick to more traditional purchase, refinance and home equity lending, plus USDA loans for rural buyers.
Its rate performance is strong: about 78% of its mortgages were priced below comparable 2025 loans, and it charges less in added costs over time than most of the lenders we rate. Its one weak spot is getting loans to the finish line — about a third of its approved loans never close. It’s important to note that approved loans can fail to close for reasons beyond a lender’s control, but it’s still worth understanding Farmer’s closing process before you sign any paperwork.
At a glance
Good for buyers anywhere in the country who want a small-bank feel with online convenience. Not a good fit if a fast closing matters most: about a third of its approved loans never make it to the closing table.
What consumers say
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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