Farmers Bank & Trust
1,100 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,100
- Median rate
- 6.250%
- Median lender fees
- $3,666
- Median loan amount
- $455,000
- Median spread over APOR
- -0.151
- Paid discount points
- 19%
- Received lender credits
- 56.1%
- Purchases / refinances
- 45.5% / 51.3%
- Conventional / FHA / VA
- 92.6% / 0% / 6.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 94.7% of loans here — see methodology.
Where Farmers Bank & Trust lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Kansas | 151 | $2,552 | 6.500% |
| California | 88 | $3,601 | 6.375% |
| Washington | 78 | $3,880 | 6.125% |
| Missouri | 67 | $2,926 | 6.490% |
| Texas | 55 | $5,080 | 6.250% |