I have always done my local banking with Farmers, save a year or so when I did banking with Integra but came back to Farmers. I have never had any trouble getting a loan through Farmers. Mr. Sullinger has always worked with us and made sure we had the loan in record time. You do have a little higher interest rate, but you get the loan without jumping through hoops. I appreciate the fact they know you and your family when they see you.
PROS: Quick and friendly
CONS: Slightly higher interest rates