Farmers Bank of Kansas City Mortgage Review | Mortgages and Advice

Farmers Bank of Kansas City is a branch of Farmers Bank & Trust. While it started with a focus on agricultural lending, today it offers a range of lending products, including home and business loans.

Farmers Bank of Kansas City provides the following type of home purchase loans:

In addition to home purchase loans, the bank also provides refinance loans, including both rate-and-term refinancing and cash-out refinancing, as well as home equity lines of credit and home equity loans of up to a 100% loan-to-value ratio.

The application process can be completed online, letting you securely submit documents and see the status of your loan 24/7 from your own home. You’ll generally need to provide documents including proof of identity, bank statements and income verification in the mortgage process.

You can also get rate quotes for your area before applying, and Farmers Bank of Kansas City offers prequalification. You can also get help from a mortgage loan officer during the process.

You can go through the free online rate quote process, which will give you loan options and rates based on your income, credit score and details about the property and loan you’re considering. Farmers Bank of Kansas City also offers prequalification.

The minimum down payment for a conventional loan is 5%. Loans include origination fees. Farmers Bank of Kansas City will provide applicants with a loan estimate that outlines closing costs.

Farmers Bank of Kansas City doesn’t offer discount opportunities like automatic payment discounts.

The minimum credit score required to get a conventional loan from Farmers Bank of Kansas City is 660, and the maximum debt-to-income ratio is 45%.

Farmers Bank of Kansas City requires a credit score of at least 660 for a conventional loan.

Farmers Bank of Kansas City offers loans in all states except Maryland. Farmers Bank of Kansas City is a branch of Farmers Bank & Trust, which is based in Great Bend, Kansas.

Farmers Bank & Trust is rated A+ by the Better Business Bureau. Farmers Bank of Kansas City is a branch of Farmers Bank & Trust.

You can reach customer service Monday through Friday from 9 a.m. to 6 p.m. Eastern Time or Saturday from 9 a.m. to 1 p.m. ET at 877-798-2411. You can also reach the mortgage department directly from 10 a.m. to 6 p.m. ET at 833-325-2684 or at customercare@farmersbankkc.com.

Farmers Bank of Kansas City lets you complete the loan application process online. You can also get rate quotes and compare different loan options online.