Farm Credit Mid-america Aca Mortgage Rates, Fees & Info

Louisville, KY

LEI: 5493006JISETNI0GLE61

Tax ID: 61-1355156

3.6 stars - Updated: 4/5/25

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Farm Credit Mid-america Aca is a small mortgage company specializing in Home Purchase loans. Farm Credit Mid-america Aca has a high proportion of conventional loans. Their top markets by origination volume include: Nashville, Cincinnati, Louisville, Knoxville, and Columbus among others. We have data for 308 markets. (Some data included below & more in-depth data is available with an active subscription.)

Farm Credit Mid-america Aca has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Farm Credit Mid-america Aca is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	7.20%	4/5/25
30 Year Conventional Refi	7.25%	4/5/25
15 Year Conventional Purchase	7.34%	4/5/25
15 Year Conventional Refi	7.17%	4/5/25
15 Year Cash-out Refi	7.17%	4/5/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Farm Credit Mid-america Aca Mortgage Calculator

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This is not an official calculator from Farm Credit Mid-america Aca. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

4,311

Origination Dollar Volume (All Markets)

$1,606,325,000

Relative Rate

Farm Credit Mid-america Aca's average 30 year fixed mortgage rate was 7.1%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.55%.

Relative Fees (Closing Costs)

Farm Credit Mid-america Aca's average total fees/closing costs for a 30 year fixed rate mortgage were $8,091.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Outside of Metro Areas	1,590	$583,600,000	$367,044	$7,959	7.10%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	224	$96,660,000	$431,518	$8,144	7.16%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	119	$39,435,000	$331,387	$7,200	7.17%
LOUISVILLE, KY (FHA\|USDA\|VA)	81	$33,475,000	$413,272	$6,904	7.11%
KNOXVILLE, TN (FHA\|USDA\|VA)	86	$33,040,000	$384,186	$8,441	7.18%
COLUMBUS, OH (FHA\|USDA\|VA)	89	$31,185,000	$350,393	$7,132	7.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	43	$21,975,000	$511,047	$11,799	7.08%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	51	$20,205,000	$396,176	$6,884	7.11%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	53	$20,025,000	$377,830	$6,801	7.14%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	28	$17,060,000	$609,286	$12,628	7.16%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	34	$15,980,000	$470,000	$7,776	7.06%
MORRISTOWN, TN (FHA\|USDA\|VA)	38	$14,650,000	$385,526	$8,288	7.02%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	37	$13,205,000	$356,892	$6,861	6.79%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	32	$12,810,000	$400,313	$8,305	7.18%
WICHITA, KS (FHA\|USDA\|VA)	26	$11,330,000	$435,769	$8,544	6.94%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	20	$11,200,000	$560,000	$11,412	7.11%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	33	$10,885,000	$329,848	$6,837	7.14%
Shelbyville, TN (FHA\|USDA\|VA)	19	$10,165,000	$535,000	$9,065	7.09%
JOHNSON CITY, TN (FHA\|USDA\|VA)	22	$9,840,000	$447,273	$9,096	7.02%
Greeneville, TN (FHA\|USDA\|VA)	24	$9,510,000	$396,250	$8,087	7.03%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	26	$9,290,000	$357,308	$6,525	6.96%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	15	$9,125,000	$608,333	$7,868	7.25%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	27	$9,055,000	$335,370	$5,913	7.01%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	25	$8,935,000	$357,400	$7,409	6.95%
Brenham, TX (FHA\|USDA\|VA)	14	$8,510,000	$607,857	$13,765	6.99%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	12	$8,450,000	$704,167	$13,541	7.24%
Lewisburg, TN (FHA\|USDA\|VA)	13	$8,145,000	$626,538	$10,398	7.04%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	22	$7,690,000	$349,545	$6,488	7.14%
JACKSON, TN (FHA\|USDA\|VA)	21	$7,465,000	$355,476	$6,838	7.03%
Crossville, TN (FHA\|USDA\|VA)	19	$7,365,000	$387,632	$8,308	7.02%
Cookeville, TN (FHA\|USDA\|VA)	22	$7,330,000	$333,182	$7,308	7.13%
OWENSBORO, KY (FHA\|USDA\|VA)	28	$7,240,000	$258,571	$6,315	7.07%
TOPEKA, KS (FHA\|USDA\|VA)	17	$7,195,000	$423,235	$7,697	7.00%
JONESBORO, AR (FHA\|USDA\|VA)	18	$7,000,000	$388,889	$6,745	7.13%
Athens, TN (FHA\|USDA\|VA)	19	$6,915,000	$363,947	$8,844	7.08%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	27	$6,895,000	$255,370	$6,743	6.99%
Mount Vernon, OH (FHA\|USDA\|VA)	24	$6,830,000	$284,583	$6,767	7.07%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	13	$6,705,000	$515,769	$11,848	7.04%
BOWLING GREEN, KY (FHA\|USDA\|VA)	19	$6,445,000	$339,211	$6,735	7.22%
Ashtabula, OH (FHA\|USDA\|VA)	22	$6,320,000	$287,273	$7,071	7.24%
Wooster, OH (FHA\|USDA\|VA)	20	$6,150,000	$307,500	$5,314	7.10%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	22	$6,140,000	$279,091	$6,741	7.02%
Zanesville, OH (FHA\|USDA\|VA)	20	$5,960,000	$298,000	$6,512	7.23%
VICTORIA, TX (FHA\|USDA\|VA)	6	$5,650,000	$941,667	$15,457	6.96%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	16	$5,620,000	$351,250	$8,980	7.17%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	11	$5,475,000	$497,727	$9,644	7.24%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	17	$5,475,000	$322,059	$6,649	7.01%
Fredericksburg, TX (FHA\|USDA\|VA)	8	$5,410,000	$676,250	$14,063	6.89%
TERRE HAUTE, IN (FHA\|USDA\|VA)	13	$5,285,000	$406,538	$7,273	7.17%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	13	$5,235,000	$402,692	$9,116	7.12%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	16	$5,100,000	$318,750	$6,850	7.03%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	16	$5,020,000	$313,750	$6,872	7.19%
Ashland, OH (FHA\|USDA\|VA)	20	$4,980,000	$249,000	$5,489	7.12%
LINCOLN, NE (FHA\|USDA\|VA)	12	$4,960,000	$413,333	$7,196	6.97%
FORT WAYNE, IN (FHA\|USDA\|VA)	16	$4,920,000	$307,500	$6,220	7.03%
AKRON, OH (FHA\|USDA\|VA)	14	$4,890,000	$349,286	$6,913	7.04%
Marietta, OH (FHA\|USDA\|VA)	10	$4,840,000	$484,000	$7,793	7.09%
CLEVELAND, TN (FHA\|USDA\|VA)	10	$4,800,000	$480,000	$9,755	7.06%
SIOUX FALLS, SD (FHA\|USDA\|VA)	9	$4,745,000	$527,222	$9,285	7.08%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	20	$4,450,000	$222,500	$5,060	7.08%
Plymouth, IN (FHA\|USDA\|VA)	8	$4,400,000	$550,000	$6,345	7.26%
Athens, TX (FHA\|USDA\|VA)	7	$4,345,000	$620,714	$12,425	7.09%
Heber, UT (FHA\|USDA\|VA)	1	$4,205,000	$4,205,000	$0	5.85%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	17	$4,205,000	$247,353	$5,687	7.01%
Lawrenceburg, TN (FHA\|USDA\|VA)	16	$4,040,000	$252,500	$6,244	7.17%
Palestine, TX (FHA\|USDA\|VA)	7	$4,005,000	$572,143	$12,684	7.04%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	14	$3,940,000	$281,429	$5,947	7.08%
Andrews, TX (FHA\|USDA\|VA)	1	$3,795,000	$3,795,000	$43,236	7.88%
CEDAR RAPIDS, IA (FHA\|USDA\|VA)	8	$3,730,000	$466,250	$5,946	7.17%
Washington, IN (FHA\|USDA\|VA)	13	$3,705,000	$285,000	$6,292	7.15%
Greenville, OH (FHA\|USDA\|VA)	13	$3,685,000	$283,462	$5,873	6.92%
Seymour, IN (FHA\|USDA\|VA)	11	$3,485,000	$316,818	$6,025	7.25%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	6	$3,420,000	$570,000	$12,780	7.17%
MANSFIELD, OH (FHA\|USDA\|VA)	11	$3,415,000	$310,455	$5,788	7.05%
Celina, OH (FHA\|USDA\|VA)	10	$3,370,000	$337,000	$6,757	7.08%
Sevierville, TN (FHA\|USDA\|VA)	8	$3,370,000	$421,250	$7,145	7.55%
BLOOMINGTON, IN (FHA\|USDA\|VA)	10	$3,330,000	$333,000	$6,452	7.16%
Kearney, NE (FHA\|USDA\|VA)	7	$3,265,000	$466,429	$7,537	6.93%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	6	$3,230,000	$538,333	$9,106	7.17%
IOWA CITY, IA (FHA\|USDA\|VA)	5	$3,195,000	$639,000	$7,403	6.93%
KOKOMO, IN (FHA\|USDA\|VA)	11	$3,105,000	$282,273	$5,534	6.92%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	15	$3,065,000	$204,333	$5,196	7.02%
Wilmington, OH (FHA\|USDA\|VA)	7	$3,065,000	$437,857	$9,227	7.11%
Newport, TN (FHA\|USDA\|VA)	8	$3,050,000	$381,250	$8,816	7.16%
Sidney, OH (FHA\|USDA\|VA)	9	$2,805,000	$311,667	$7,103	7.00%
Glasgow, KY (FHA\|USDA\|VA)	13	$2,765,000	$212,692	$5,513	7.16%
Wapakoneta, OH (FHA\|USDA\|VA)	8	$2,760,000	$345,000	$6,732	6.78%
Cañon City, CO (FHA\|USDA\|VA)	4	$2,740,000	$685,000	$13,186	6.97%
Frankfort, KY (FHA\|USDA\|VA)	7	$2,725,000	$389,286	$7,151	6.88%
LONGVIEW, TX (FHA\|USDA\|VA)	3	$2,705,000	$901,667	$16,905	7.08%
Bardstown, KY (FHA\|USDA\|VA)	8	$2,700,000	$337,500	$6,674	7.41%
Bedford, IN (FHA\|USDA\|VA)	5	$2,695,000	$539,000	$8,049	7.13%
MANHATTAN, KS (FHA\|USDA\|VA)	6	$2,690,000	$448,333	$7,225	7.15%
Warsaw, IN (FHA\|USDA\|VA)	13	$2,625,000	$201,923	$4,944	6.95%
Jacksonville, TX (FHA\|USDA\|VA)	5	$2,615,000	$523,000	$12,980	6.88%
GRAND ISLAND, NE (FHA\|USDA\|VA)	9	$2,605,000	$289,444	$5,993	7.19%
Ottawa, KS (FHA\|USDA\|VA)	10	$2,570,000	$257,000	$4,809	7.23%
RAPID CITY, SD (FHA\|USDA\|VA)	4	$2,560,000	$640,000	$7,221	7.35%
Mount Sterling, KY (FHA\|USDA\|VA)	10	$2,540,000	$254,000	$5,847	7.23%
Richmond, IN (FHA\|USDA\|VA)	12	$2,510,000	$209,167	$4,443	7.25%
TULSA, OK (FHA\|USDA\|VA)	8	$2,510,000	$313,750	$7,762	7.14%
Point Pleasant, WV-OH (FHA\|USDA\|VA)	10	$2,480,000	$248,000	$6,258	7.03%
Montrose, CO (FHA\|USDA\|VA)	6	$2,460,000	$410,000	$8,154	7.06%
Aberdeen, SD (FHA\|USDA\|VA)	7	$2,455,000	$350,714	$7,048	7.03%
Kendallville, IN (FHA\|USDA\|VA)	9	$2,455,000	$272,778	$5,656	7.04%
Cambridge, OH (FHA\|USDA\|VA)	10	$2,450,000	$245,000	$5,329	6.65%
Spearfish, SD (FHA\|USDA\|VA)	3	$2,445,000	$815,000	$12,726	6.58%
Bellefontaine, OH (FHA\|USDA\|VA)	12	$2,440,000	$203,333	$5,573	7.23%
Richmond-Berea, KY (FHA\|USDA\|VA)	6	$2,430,000	$405,000	$5,731	7.25%
Bluffton, IN (FHA\|USDA\|VA)	8	$2,380,000	$297,500	$5,939	7.02%
GREELEY, CO (FHA\|USDA\|VA)	4	$2,280,000	$570,000	$8,874	7.25%
Emporia, KS (FHA\|USDA\|VA)	7	$2,255,000	$322,143	$6,266	7.00%
Steamboat Springs, CO (FHA\|USDA\|VA)	3	$2,245,000	$748,333	$10,099	6.96%
CHEYENNE, WY (FHA\|USDA\|VA)	5	$2,195,000	$439,000	$7,759	6.98%
WHEELING, WV-OH (FHA\|USDA\|VA)	5	$2,165,000	$433,000	$8,395	7.08%
AMES, IA (FHA\|USDA\|VA)	6	$2,160,000	$360,000	$7,518	7.21%
Columbus, NE (FHA\|USDA\|VA)	5	$2,145,000	$429,000	$8,895	7.03%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	2	$2,140,000	$1,070,000	$19,423	7.13%
Salem, OH (FHA\|USDA\|VA)	7	$2,125,000	$303,571	$7,655	7.16%
SPRINGFIELD, OH (FHA\|USDA\|VA)	7	$2,105,000	$300,714	$6,469	6.79%
SALINAS, CA (FHA\|USDA\|VA)	1	$2,005,000	$2,005,000	$13,880	7.00%
STOCKTON, CA (FHA\|USDA\|VA)	2	$2,000,000	$1,000,000	$11,409	7.38%
Urbana, OH (FHA\|USDA\|VA)	5	$1,975,000	$395,000	$7,752	7.30%
Danville, KY (FHA\|USDA\|VA)	6	$1,960,000	$326,667	$6,341	7.30%
LUBBOCK, TX (FHA\|USDA\|VA)	4	$1,930,000	$482,500	$10,583	7.09%
Kerrville, TX (FHA\|USDA\|VA)	3	$1,925,000	$641,667	$13,786	6.92%
Frankfort, IN (FHA\|USDA\|VA)	6	$1,910,000	$318,333	$5,597	6.99%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	7	$1,835,000	$262,143	$6,226	7.41%
CASPER, WY (FHA\|USDA\|VA)	5	$1,825,000	$365,000	$8,833	7.05%
London, KY (FHA\|USDA\|VA)	7	$1,775,000	$253,571	$6,599	7.30%
Marion, IN (FHA\|USDA\|VA)	6	$1,770,000	$295,000	$6,344	6.75%
TOLEDO, OH (FHA\|USDA\|VA)	8	$1,760,000	$220,000	$6,372	7.15%
Paragould, AR (FHA\|USDA\|VA)	5	$1,685,000	$337,000	$6,536	6.95%
Pierre, SD (FHA\|USDA\|VA)	3	$1,675,000	$558,333	$9,025	7.04%
Dayton, TN (FHA\|USDA\|VA)	5	$1,655,000	$331,000	$7,846	7.33%
Somerset, KY (FHA\|USDA\|VA)	5	$1,655,000	$331,000	$6,325	7.07%
FORT COLLINS, CO (FHA\|USDA\|VA)	3	$1,635,000	$545,000	$8,205	6.92%
Chillicothe, OH (FHA\|USDA\|VA)	8	$1,630,000	$203,750	$5,355	7.19%
Paris, TN (FHA\|USDA\|VA)	5	$1,625,000	$325,000	$7,229	7.25%
CAPE GIRARDEAU, MO-IL (FHA\|USDA\|VA)	5	$1,595,000	$319,000	$7,081	7.10%
Watertown, SD (FHA\|USDA\|VA)	4	$1,590,000	$397,500	$7,850	6.88%
Alice, TX (FHA\|USDA\|VA)	4	$1,580,000	$395,000	$9,940	7.09%
LIMA, OH (FHA\|USDA\|VA)	6	$1,570,000	$261,667	$6,729	6.77%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	4	$1,540,000	$385,000	$8,809	7.33%
Campbellsville, KY (FHA\|USDA\|VA)	6	$1,520,000	$253,333	$7,079	6.92%
Coshocton, OH (FHA\|USDA\|VA)	7	$1,505,000	$215,000	$4,839	6.96%
McAlester, OK (FHA\|USDA\|VA)	3	$1,495,000	$498,333	$11,468	7.17%
LAS CRUCES, NM (FHA\|USDA\|VA)	6	$1,490,000	$248,333	$5,886	7.29%
Maysville, KY (FHA\|USDA\|VA)	5	$1,475,000	$295,000	$7,006	8.15%
Hutchinson, KS (FHA\|USDA\|VA)	4	$1,470,000	$367,500	$8,509	6.97%
LAREDO, TX (FHA\|USDA\|VA)	1	$1,445,000	$1,445,000	$18,107	7.50%
Coffeyville, KS (FHA\|USDA\|VA)	7	$1,445,000	$206,429	$6,621	7.09%
Madison, IN (FHA\|USDA\|VA)	5	$1,425,000	$285,000	$7,078	7.08%
Martin, TN (FHA\|USDA\|VA)	4	$1,420,000	$355,000	$8,414	7.22%
Athens, OH (FHA\|USDA\|VA)	4	$1,410,000	$352,500	$5,826	6.70%
Crawfordsville, IN (FHA\|USDA\|VA)	6	$1,410,000	$235,000	$5,525	6.96%
New Castle, IN (FHA\|USDA\|VA)	4	$1,360,000	$340,000	$7,298	7.00%
Craig, CO (FHA\|USDA\|VA)	2	$1,350,000	$675,000	$11,982	7.38%
NAPA, CA (FHA\|USDA\|VA)	1	$1,305,000	$1,305,000	$11,954	7.75%
Scottsbluff, NE (FHA\|USDA\|VA)	3	$1,285,000	$428,333	$8,578	6.92%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	4	$1,260,000	$315,000	$5,420	7.13%
McMinnville, TN (FHA\|USDA\|VA)	5	$1,255,000	$251,000	$4,928	7.33%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	4	$1,240,000	$310,000	$8,002	6.91%
Bonham, TX (FHA\|USDA\|VA)	4	$1,230,000	$307,500	$9,185	6.84%
Scottsburg, IN (FHA\|USDA\|VA)	8	$1,230,000	$153,750	$4,306	7.06%
COLUMBUS, IN (FHA\|USDA\|VA)	6	$1,220,000	$203,333	$4,578	6.96%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	1	$1,205,000	$1,205,000	$13,672	6.63%
Dyersburg, TN (FHA\|USDA\|VA)	4	$1,200,000	$300,000	$7,335	7.34%
Marshalltown, IA (FHA\|USDA\|VA)	3	$1,195,000	$398,333	$7,390	7.21%
Spirit Lake, IA (FHA\|USDA\|VA)	3	$1,185,000	$395,000	$8,085	7.13%
Portsmouth, OH (FHA\|USDA\|VA)	7	$1,185,000	$169,286	$5,227	7.11%
Central City, KY (FHA\|USDA\|VA)	6	$1,150,000	$191,667	$4,839	6.90%
Angola, IN (FHA\|USDA\|VA)	5	$1,145,000	$229,000	$5,936	7.13%
MUNCIE, IN (FHA\|USDA\|VA)	3	$1,145,000	$381,667	$7,803	7.75%
Duncan, OK (FHA\|USDA\|VA)	4	$1,140,000	$285,000	$6,906	7.06%
Roswell, NM (FHA\|USDA\|VA)	4	$1,120,000	$280,000	$5,886	7.31%
Mitchell, SD (FHA\|USDA\|VA)	3	$1,105,000	$368,333	$8,253	7.21%
Durant, OK (FHA\|USDA\|VA)	2	$1,080,000	$540,000	$10,542	7.19%
Woodward, OK (FHA\|USDA\|VA)	2	$1,080,000	$540,000	$9,082	7.00%
Forrest City, AR (FHA\|USDA\|VA)	2	$1,070,000	$535,000	$10,609	7.75%
SAN ANGELO, TX (FHA\|USDA\|VA)	1	$1,065,000	$1,065,000	$26,337	7.00%
Gainesville, TX (FHA\|USDA\|VA)	2	$1,060,000	$530,000	$12,276	7.19%
Auburn, IN (FHA\|USDA\|VA)	3	$1,055,000	$351,667	$6,441	7.00%
TYLER, TX (FHA\|USDA\|VA)	4	$1,050,000	$262,500	$7,861	7.19%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$1,045,000	$1,045,000	$16,125	7.75%
Norfolk, NE (FHA\|USDA\|VA)	5	$1,035,000	$207,000	$4,873	7.28%
WICHITA FALLS, TX (FHA\|USDA\|VA)	2	$1,030,000	$515,000	$12,639	7.25%
Logansport, IN (FHA\|USDA\|VA)	5	$1,025,000	$205,000	$4,657	7.28%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$1,025,000	$1,025,000	$13,540	7.13%
LAWRENCE, KS (FHA\|USDA\|VA)	3	$1,025,000	$341,667	$6,418	7.00%
DECATUR, IL (FHA\|USDA\|VA)	2	$1,020,000	$510,000	$10,142	7.44%
Norwalk, OH (FHA\|USDA\|VA)	4	$960,000	$240,000	$5,332	7.06%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	2	$940,000	$470,000	$7,243	6.69%
ABILENE, TX (FHA\|USDA\|VA)	2	$920,000	$460,000	$11,654	7.00%
Jasper, IN (FHA\|USDA\|VA)	4	$890,000	$222,500	$6,023	7.09%
Van Wert, OH (FHA\|USDA\|VA)	3	$885,000	$295,000	$7,939	7.07%
PUEBLO, CO (FHA\|USDA\|VA)	2	$880,000	$440,000	$10,107	7.25%
Beatrice, NE (FHA\|USDA\|VA)	6	$860,000	$143,333	$3,703	7.00%
Laramie, WY (FHA\|USDA\|VA)	2	$860,000	$430,000	$8,213	6.94%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	2	$860,000	$430,000	$10,450	7.19%
Clinton, IA (FHA\|USDA\|VA)	3	$845,000	$281,667	$5,515	7.25%
Fremont, NE (FHA\|USDA\|VA)	4	$830,000	$207,500	$4,793	6.78%
Spencer, IA (FHA\|USDA\|VA)	1	$825,000	$825,000	$8,775	7.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	4	$810,000	$202,500	$5,188	6.72%
Wabash, IN (FHA\|USDA\|VA)	2	$810,000	$405,000	$8,091	7.19%
Carroll, IA (FHA\|USDA\|VA)	3	$775,000	$258,333	$7,543	7.46%
Breckenridge, CO (FHA\|USDA\|VA)	1	$775,000	$775,000	$11,235	7.25%
DANVILLE, IL (FHA\|USDA\|VA)	2	$760,000	$380,000	$8,022	6.56%
Nacogdoches, TX (FHA\|USDA\|VA)	2	$750,000	$375,000	$10,979	7.31%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	2	$750,000	$375,000	$11,272	7.25%
Greensburg, IN (FHA\|USDA\|VA)	3	$735,000	$245,000	$5,117	7.33%
Sulphur Springs, TX (FHA\|USDA\|VA)	3	$735,000	$245,000	$7,857	6.96%
Stephenville, TX (FHA\|USDA\|VA)	2	$720,000	$360,000	$11,621	6.94%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$715,000	$715,000	$0	7.75%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$710,000	$355,000	$7,629	7.00%
Winfield, KS (FHA\|USDA\|VA)	2	$710,000	$355,000	$7,699	6.94%
Fallon, NV (FHA\|USDA\|VA)	1	$705,000	$705,000	$13,360	6.50%
JEFFERSON CITY, MO (FHA\|USDA\|VA)	2	$690,000	$345,000	$6,132	7.00%
Madisonville, KY (FHA\|USDA\|VA)	4	$680,000	$170,000	$5,325	6.94%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	2	$680,000	$340,000	$9,577	7.31%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	2	$670,000	$335,000	$9,935	7.13%
Weatherford, OK (FHA\|USDA\|VA)	2	$670,000	$335,000	$7,217	6.81%
SIOUX CITY, IA-NE-SD (FHA\|USDA\|VA)	2	$650,000	$325,000	$6,500	6.88%
Riverton, WY (FHA\|USDA\|VA)	1	$645,000	$645,000	$10,316	6.88%
Elk City, OK (FHA\|USDA\|VA)	2	$640,000	$320,000	$8,874	7.88%
Oskaloosa, IA (FHA\|USDA\|VA)	2	$630,000	$315,000	$8,331	7.25%
Bay City, TX (FHA\|USDA\|VA)	2	$620,000	$310,000	$9,671	7.06%
Storm Lake, IA (FHA\|USDA\|VA)	4	$620,000	$155,000	$5,805	7.31%
Fort Dodge, IA (FHA\|USDA\|VA)	2	$610,000	$305,000	$6,221	7.38%
Jackson, OH (FHA\|USDA\|VA)	3	$605,000	$201,667	$5,320	8.45%
Taylorville, IL (FHA\|USDA\|VA)	2	$600,000	$300,000	$6,618	6.94%
Washington Court House, OH (FHA\|USDA\|VA)	2	$590,000	$295,000	$5,948	7.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA\|USDA\|VA)	2	$590,000	$295,000	$6,101	6.88%
Mason City, IA (FHA\|USDA\|VA)	1	$585,000	$585,000	$12,096	7.25%
FARMINGTON, NM (FHA\|USDA\|VA)	1	$575,000	$575,000	$13,680	6.75%
Decatur, IN (FHA\|USDA\|VA)	6	$570,000	$95,000	$3,109	7.10%
Connersville, IN (FHA\|USDA\|VA)	2	$560,000	$280,000	$5,685	6.81%
El Campo, TX (FHA\|USDA\|VA)	2	$560,000	$280,000	$7,438	7.63%
Vermillion, SD (FHA\|USDA\|VA)	1	$545,000	$545,000	$8,823	7.13%
Hays, KS (FHA\|USDA\|VA)	1	$545,000	$545,000	$11,153	6.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	2	$540,000	$270,000	$6,927	7.00%
Muskogee, OK (FHA\|USDA\|VA)	2	$530,000	$265,000	$8,042	7.31%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	1	$505,000	$505,000	$0	8.50%
Mount Pleasant, TX (FHA\|USDA\|VA)	1	$505,000	$505,000	$13,556	7.00%
Salina, KS (FHA\|USDA\|VA)	1	$495,000	$495,000	$7,913	7.00%
Ardmore, OK (FHA\|USDA\|VA)	1	$485,000	$485,000	$11,898	7.00%
Kennett, MO (FHA\|USDA\|VA)	1	$485,000	$485,000	$8,834	7.38%
Mount Vernon, IL (FHA\|USDA\|VA)	2	$480,000	$240,000	$4,465	7.19%
SPRINGFIELD, IL (FHA\|USDA\|VA)	2	$480,000	$240,000	$5,432	7.13%
North Vernon, IN (FHA\|USDA\|VA)	5	$475,000	$95,000	$3,096	7.02%
Fremont, OH (FHA\|USDA\|VA)	3	$475,000	$158,333	$5,371	7.34%
Stillwater, OK (FHA\|USDA\|VA)	2	$470,000	$235,000	$6,557	7.25%
Alamogordo, NM (FHA\|USDA\|VA)	1	$465,000	$465,000	$7,328	7.25%
Dodge City, KS (FHA\|USDA\|VA)	1	$465,000	$465,000	$7,133	7.00%
Sonora, CA (FHA\|USDA\|VA)	1	$455,000	$455,000	$8,210	7.63%
Raymondville, TX (FHA\|USDA\|VA)	1	$455,000	$455,000	$13,134	7.13%
Pearsall, TX (FHA\|USDA\|VA)	1	$455,000	$455,000	$12,766	7.00%
Taos, NM (FHA\|USDA\|VA)	1	$435,000	$435,000	$7,248	7.00%
PITTSBURGH, PA (FHA\|USDA\|VA)	1	$435,000	$435,000	$0	6.35%
Lexington, NE (FHA\|USDA\|VA)	2	$430,000	$215,000	$5,295	6.94%
Bartlesville, OK (FHA\|USDA\|VA)	1	$395,000	$395,000	$5,410	6.88%
Pella, IA (FHA\|USDA\|VA)	2	$390,000	$195,000	$4,913	7.13%
Sandusky, OH (FHA\|USDA\|VA)	3	$385,000	$128,333	$5,445	7.88%
Eureka-Arcata, CA (FHA\|USDA\|VA)	1	$385,000	$385,000	$7,590	7.50%
Ponca City, OK (FHA\|USDA\|VA)	1	$375,000	$375,000	$10,373	7.25%
JOPLIN, MO (FHA\|USDA\|VA)	1	$365,000	$365,000	$6,192	7.13%
Marion, OH (FHA\|USDA\|VA)	1	$365,000	$365,000	$8,096	7.00%
Beeville, TX (FHA\|USDA\|VA)	1	$365,000	$365,000	$10,491	7.13%
Adrian, MI (FHA\|USDA\|VA)	1	$355,000	$355,000	$5,645	7.63%
RENO, NV (FHA\|USDA\|VA)	1	$355,000	$355,000	$9,686	7.25%
Hilo, HI (FHA\|USDA\|VA)	1	$355,000	$355,000	$9,199	7.75%
Fairfield, IA (FHA\|USDA\|VA)	1	$335,000	$335,000	$5,581	7.25%
Hastings, NE (FHA\|USDA\|VA)	2	$330,000	$165,000	$3,834	8.23%
Pecos, TX (FHA\|USDA\|VA)	1	$325,000	$325,000	$9,161	7.38%
Parsons, KS (FHA\|USDA\|VA)	1	$315,000	$315,000	$7,651	7.13%
Rock Springs, WY (FHA\|USDA\|VA)	1	$315,000	$315,000	$5,819	8.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$305,000	$305,000	$4,786	7.25%
Sturgis, MI (FHA\|USDA\|VA)	1	$295,000	$295,000	$5,339	7.25%
Brownwood, TX (FHA\|USDA\|VA)	1	$295,000	$295,000	$10,054	7.38%
Durango, CO (FHA\|USDA\|VA)	1	$285,000	$285,000	$7,843	7.13%
Brookings, SD (FHA\|USDA\|VA)	1	$275,000	$275,000	$4,966	6.75%
Helena-West Helena, AR (FHA\|USDA\|VA)	1	$275,000	$275,000	$4,702	7.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1	$275,000	$275,000	$6,674	6.75%
Miami, OK (FHA\|USDA\|VA)	1	$275,000	$275,000	$6,133	6.50%
Yankton, SD (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,814	7.75%
SANTA FE, NM (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,845	7.25%
Murray, KY (FHA\|USDA\|VA)	2	$260,000	$130,000	$3,900	7.19%
DUBUQUE, IA (FHA\|USDA\|VA)	1	$255,000	$255,000	$7,655	7.38%
Peru, IN (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	6.90%
AMARILLO, TX (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,691	7.25%
Lamesa, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,334	7.13%
Paducah, KY-IL (FHA\|USDA\|VA)	1	$225,000	$225,000	$6,441	7.38%
Bucyrus-Galion, OH (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,555	6.88%
ST. CLOUD, MN (FHA\|USDA\|VA)	1	$205,000	$205,000	$5,250	7.13%
Fort Madison-Keokuk, IA-IL-MO (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,049	7.13%
Granbury, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$7,151	6.75%
Sikeston, MO (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,729	7.25%
Union City, TN (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,929	7.00%
Effingham, IL (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,956	7.00%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,188	7.13%
Ruidoso, NM (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,888	8.88%
Poplar Bluff, MO (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,088	6.88%
Defiance, OH (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,970	7.25%
Starkville, MS (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,435	7.00%
Huntsville, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$6,072	5.88%
WATERLOO-CEDAR FALLS, IA (FHA\|USDA\|VA)	1	$55,000	$55,000	$4,360	7.13%
Shawnee, OK (FHA\|USDA\|VA)	1	$45,000	$45,000	$3,923	7.38%
Lebanon, MO (FHA\|USDA\|VA)	1	$45,000	$45,000	$1,983	8.50%

Farm Credit Mid-america Aca's top markets include Nashville, Cincinnati, Louisville, Knoxville, and Columbus among others.

Their top states include:

Tennessee (FHA|USDA|VA)

(FHA|USDA|VA)

Ohio (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Indiana (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Farm Credit Mid-America ACA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Bank
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TRANSCEND
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Bank of the Flint Hills
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	4,311	$1,606,325,000	$372,611	$7,733	7.10%

For 2024, Farm Credit Mid-america Aca's most frequently originated type of loan was Conventional, with 4,311 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	3,449	$1,388,485,000	$402,576	$8,360	7.08%
Refi	423	$144,055,000	$340,556	$6,102	7.04%
Home Improvement	272	$37,540,000	$138,015	$4,134	7.31%
Other	167	$36,245,000	$217,036	$4,634	7.38%

For 2024, Farm Credit Mid-america Aca's most frequently cited loan purpose was Home Purchase, with 3,449 originations. The 2nd most popular reason was Refi, with 423 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,971	$1,181,545,000	$397,693	$8,091	7.10%
30+ year	410	$173,790,000	$423,878	$9,297	6.86%
15 Year	314	$66,970,000	$213,280	$5,209	7.31%
20 Year	268	$82,390,000	$307,425	$6,155	7.24%
Other	252	$88,110,000	$349,643	$6,231	7.24%
10 Year	93	$12,735,000	$136,935	$3,795	6.84%
1 Year	3	$785,000	$261,667	$0	9.07%

For 2024, Farm Credit Mid-america Aca's most frequently cited loan duration was 30 Year, with 2,971 originations. The 2nd most popular length was 30+ year, with 410 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	2,326	$1,201,220,000	$516,432
$4k-5k	615	$167,155,000	$271,797
$3k-4k	542	$113,090,000	$208,653
$2k-3k	431	$60,875,000	$141,241
$1k-2k	220	$21,930,000	$99,682
$<1k	53	$3,575,000	$67,453

Farm Credit Mid-america Aca's average total fees were $8,091, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,326 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
7-8%	2,129	$774,595,000	$363,830
6-7%	2,043	$798,195,000	$390,698
Over 8%	123	$25,325,000	$205,894
5-6%	10	$6,510,000	$651,000
3-4%	6	$1,700,000	$283,333

During 2024, Farm Credit Mid-america Aca's average interest rate for loans was 7.10%, while their most frequently originated rate bucket for loans was 7-8%, with 2,129 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,700	$502,060,000	$295,329	$6,873	7.08%
$400k-600k	915	$444,315,000	$485,590	$9,943	7.02%
$100k-200k	738	$110,540,000	$149,783	$4,483	7.20%
$600k-1MM	461	$343,005,000	$744,046	$12,848	7.00%
$100,000 or less	379	$24,005,000	$63,338	$3,007	7.34%
$1MM+	118	$182,400,000	$1,545,763	$16,834	7.14%

2024 saw Farm Credit Mid-america Aca place emphasis on $200k-400k loans with 1,700 originations, totaling $502,060,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$150k-250k	1,391	$545,475,000	$392,146	$8,288	7.07%
$100k-150k	1,111	$319,075,000	$287,196	$6,867	7.10%
$250k+	917	$563,445,000	$614,444	$10,431	7.10%
$75k-100k	457	$97,325,000	$212,965	$5,577	7.15%
$50k-75k	323	$52,185,000	$161,563	$4,815	7.14%
$50k or less	74	$8,470,000	$114,459	$4,072	7.24%

Farm Credit Mid-america Aca lent most frequently to those with incomes in the $150k-250k range, with 1,391 originations. The second most popular income band? $100k-150k, with 1,111 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	1,041	$391,845,000	$376,412	$7,908	7.10%
20-30%	969	$321,545,000	$331,832	$7,011	7.08%
<20%	380	$126,480,000	$332,842	$6,461	7.08%
39%	230	$89,800,000	$390,435	$7,984	7.04%
37%	227	$87,275,000	$384,471	$7,963	7.13%
38%	220	$80,770,000	$367,136	$7,800	7.10%
36%	216	$79,910,000	$369,954	$7,761	7.12%
40%	191	$73,965,000	$387,251	$8,151	7.06%
41%	186	$71,810,000	$386,075	$8,231	7.11%
42%	96	$37,210,000	$387,604	$8,343	7.00%
43%	93	$38,395,000	$412,849	$8,556	7.04%
50-60%	62	$29,690,000	$478,871	$9,241	7.10%
47%	50	$24,900,000	$498,000	$9,294	7.06%
48%	46	$22,560,000	$490,435	$9,400	6.97%
44%	46	$23,780,000	$516,957	$9,876	7.03%
45%	36	$19,370,000	$538,056	$9,682	7.10%
49%	36	$19,220,000	$533,889	$10,275	6.94%
46%	35	$18,405,000	$525,857	$9,516	6.98%
>60%	25	$10,375,000	$415,000	$7,232	7.37%

Farm Credit Mid-america Aca lent most frequently to those with DTI ratios of 30-36%, with 1,041 originations. The next most common DTI ratio? 20-30%, with 969 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,676	$1,339,160,000	$364,298	$7,674	7.09%
Not provided	538	$221,100,000	$410,967	$7,910	7.16%
American Indian	38	$16,460,000	$433,158	$8,745	7.05%
Not applicable	26	$13,880,000	$533,846	$0	7.42%
Black	23	$10,515,000	$457,174	$9,896	7.12%
Asian	9	$4,165,000	$462,778	$10,442	6.88%
Native Hawaiian or Islander	1	$1,045,000	$1,045,000	$16,125	7.75%

Approval Rates

Total approvals of all applications
89.56%

Farm Credit Mid-america Aca has an average approval rate.

Pick Rate

Approvals leading to origination
77.89%

Farm Credit Mid-america Aca has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	4,311	$1,606,325,000	$372,611

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	4,311	$1,606,325,000	$372,611

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	435	$98,245,000	$225,851	$5,853	7.14%
40-60%	932	$300,410,000	$322,328	$7,233	7.13%
60-80%	1,671	$689,105,000	$412,391	$8,374	7.11%
80-100%	1,157	$504,395,000	$435,951	$8,296	7.04%
Under 20%	116	$14,170,000	$122,155	$4,120	7.30%