Farmers Bank Mortgage Lending & HMDA Data, 2023
In 2023, Farmers Bank of Twin Falls, ID reported 76 mortgage applications totaling $11.0 million, up 27% from 2022. The average application was for $144,078, and applicants reported an average income of $163,157. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Twin Falls, ID (57), Boise City, ID (2) and Lake Havasu City-Kingman, AZ (1) (applications in parentheses).
| Mortgage Company & Address | Farmers Bank 890 Shoshone St E Twin Falls, ID 83301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 76 |
| Total Mortgage Loan Application Amount | $10,950,000 |
| Average Mortgage Loan Application Amount | $144,078 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $163,157 |
| Highest Applicant Income | $1,236,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farmers Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Farmers Bank in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 31 | $3,455,000 | $111,000 | $1,005,000 | $100,000 | $605,000 |
| Home Purchase | 26 | $4,660,000 | $179,000 | $1,085,000 | $145,000 | $694,000 |
| Refinancing | 11 | $2,315,000 | $210,000 | $635,000 | $431,000 | $1,236,000 |
| Home Improvement | 5 | $275,000 | $55,000 | $135,000 | $66,000 | $107,000 |
| Other Purpose | 3 | $245,000 | $81,000 | $145,000 | $153,000 | $228,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 55 | $6,755,000 | $122,000 | $1,085,000 | $164,000 | $1,236,000 |
| Not applicable | 13 | $3,105,000 | $238,000 | $1,005,000 | $0 | $0 |
| Hispanic | 8 | $1,090,000 | $136,000 | $425,000 | $67,000 | $124,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 76 | $10,950,000 | $144,000 | $1,085,000 | $152,000 | $1,236,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 63 | $9,745,000 | $154,000 | $1,085,000 | $173,000 | $1,236,000 |
| Application Withdrawn By Applicant | 8 | $910,000 | $113,000 | $425,000 | $91,000 | $172,000 |
| Application Denied By Financial Institution | 5 | $295,000 | $59,000 | $115,000 | $45,000 | $76,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 71 | $10,655,000 | $150,000 | $1,085,000 | $161,000 | $1,236,000 |
| Collateral | 2 | $160,000 | $80,000 | $115,000 | $65,000 | $76,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $32,000 | $32,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $48,000 | $48,000 |
| Debt-To-Income Ratio | 1 | $25,000 | $25,000 | $25,000 | $17,000 | $17,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farmers Bank's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Farmers Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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