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

Louisville, KY

LEI: 5493006JISETNI0GLE61

Tax ID: 61-1355156

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

Review & Overview

Farm Credit Mid-america Aca is a smaller 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, Indianapolis, Cincinnati, Columbus, and Cleveland among others. We have data for 136 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	6.99%	12/16/24
30 Year Conventional Refi	6.99%	12/16/24
15 Year Conventional Purchase	6.92%	12/16/24
15 Year Conventional Refi	6.73%	12/16/24
15 Year Cash-out Refi	6.73%	12/16/24
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

Purchase Price:

Loan Amount:

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% Deposit:

Interest Rate:

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Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

1,994

Origination Dollar Volume (All Markets)

$449,910,000

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	415	$77,165,000	$185,940	$6,751	5.32%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	188	$58,430,000	$310,798	$9,565	5.29%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	85	$22,275,000	$262,059	$8,228	5.36%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	68	$18,770,000	$276,029	$8,488	5.27%
COLUMBUS, OH (FHA\|USDA\|VA)	56	$14,860,000	$265,357	$8,474	5.18%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	53	$13,345,000	$251,792	$8,888	5.25%
KNOXVILLE, TN (FHA\|USDA\|VA)	47	$12,865,000	$273,723	$8,809	5.18%
LOUISVILLE, KY (FHA\|USDA\|VA)	44	$10,930,000	$248,409	$6,820	5.27%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	22	$9,470,000	$430,455	$10,062	5.09%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	29	$6,965,000	$240,172	$8,924	5.18%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	25	$6,305,000	$252,200	$10,361	5.20%
MORRISTOWN, TN (FHA\|USDA\|VA)	25	$5,455,000	$218,200	$7,108	5.32%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	34	$5,400,000	$158,824	$6,665	5.41%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	32	$5,290,000	$165,313	$7,150	5.49%
Cookeville, TN (FHA\|USDA\|VA)	21	$5,195,000	$247,381	$8,685	5.52%
Lewisburg, TN (FHA\|USDA\|VA)	18	$5,170,000	$287,222	$9,906	5.27%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	18	$4,630,000	$257,222	$9,588	5.34%
Wooster, OH (FHA\|USDA\|VA)	28	$4,530,000	$161,786	$6,116	5.11%
JOHNSON CITY, TN (FHA\|USDA\|VA)	24	$4,280,000	$178,333	$7,626	5.48%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	21	$3,995,000	$190,238	$8,353	5.37%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	22	$3,910,000	$177,727	$6,065	5.28%
Shelbyville, TN (FHA\|USDA\|VA)	15	$3,805,000	$253,667	$12,258	5.37%
Richmond-Berea, KY (FHA\|USDA\|VA)	2	$3,650,000	$1,825,000	$8,292	5.10%
Salem, OH (FHA\|USDA\|VA)	17	$3,405,000	$200,294	$8,407	5.45%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	13	$3,395,000	$261,154	$10,453	5.24%
Sevierville, TN (FHA\|USDA\|VA)	10	$3,370,000	$337,000	$5,173	5.23%
Bardstown, KY (FHA\|USDA\|VA)	14	$3,220,000	$230,000	$5,605	5.25%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	14	$3,200,000	$228,571	$8,646	5.30%
Lawrenceburg, TN (FHA\|USDA\|VA)	18	$3,160,000	$175,556	$8,120	5.13%
FORT WAYNE, IN (FHA\|USDA\|VA)	17	$3,145,000	$185,000	$4,642	5.14%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	8	$3,110,000	$388,750	$11,860	5.02%
Cambridge, OH (FHA\|USDA\|VA)	18	$3,080,000	$171,111	$6,334	5.34%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	18	$3,020,000	$167,778	$5,591	5.22%
Greeneville, TN (FHA\|USDA\|VA)	16	$2,770,000	$173,125	$6,411	5.48%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	15	$2,725,000	$181,667	$7,419	5.41%
Bellefontaine, OH (FHA\|USDA\|VA)	19	$2,705,000	$142,368	$6,283	5.35%
Crossville, TN (FHA\|USDA\|VA)	10	$2,700,000	$270,000	$9,403	5.26%
OWENSBORO, KY (FHA\|USDA\|VA)	18	$2,620,000	$145,556	$4,946	5.68%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	15	$2,615,000	$174,333	$5,978	5.12%
COLUMBUS, IN (FHA\|USDA\|VA)	8	$2,460,000	$307,500	$6,669	5.03%
KOKOMO, IN (FHA\|USDA\|VA)	13	$2,415,000	$185,769	$7,023	5.50%
TERRE HAUTE, IN (FHA\|USDA\|VA)	16	$2,380,000	$148,750	$5,602	5.45%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	12	$2,330,000	$194,167	$6,753	5.28%
WHEELING, WV-OH (FHA\|USDA\|VA)	10	$2,330,000	$233,000	$7,570	5.00%
AKRON, OH (FHA\|USDA\|VA)	7	$2,315,000	$330,714	$11,435	5.06%
CLEVELAND, TN (FHA\|USDA\|VA)	9	$2,255,000	$250,556	$10,103	5.46%
Ashland, OH (FHA\|USDA\|VA)	12	$2,240,000	$186,667	$6,794	5.52%
Zanesville, OH (FHA\|USDA\|VA)	12	$2,230,000	$185,833	$6,010	5.35%
Ashtabula, OH (FHA\|USDA\|VA)	14	$2,180,000	$155,714	$7,234	5.90%
JACKSON, TN (FHA\|USDA\|VA)	11	$2,175,000	$197,727	$7,235	5.39%
PANAMA CITY, FL (FHA\|USDA\|VA)	2	$2,070,000	$1,035,000	$0	5.33%
BLOOMINGTON, IN (FHA\|USDA\|VA)	8	$1,990,000	$248,750	$6,687	5.17%
Mount Vernon, OH (FHA\|USDA\|VA)	11	$1,975,000	$179,545	$6,585	5.43%
Madison, IN (FHA\|USDA\|VA)	9	$1,875,000	$208,333	$7,220	5.48%
Sidney, OH (FHA\|USDA\|VA)	8	$1,860,000	$232,500	$6,568	5.22%
SPRINGFIELD, OH (FHA\|USDA\|VA)	7	$1,615,000	$230,714	$9,066	5.51%
Auburn, IN (FHA\|USDA\|VA)	4	$1,600,000	$400,000	$8,027	5.10%
Coshocton, OH (FHA\|USDA\|VA)	6	$1,530,000	$255,000	$6,931	5.28%
Portsmouth, OH (FHA\|USDA\|VA)	7	$1,495,000	$213,571	$7,978	4.99%
Bluffton, IN (FHA\|USDA\|VA)	7	$1,485,000	$212,143	$5,626	5.14%
Greenville, OH (FHA\|USDA\|VA)	7	$1,405,000	$200,714	$6,016	5.68%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	6	$1,290,000	$215,000	$7,621	5.60%
MANSFIELD, OH (FHA\|USDA\|VA)	5	$1,265,000	$253,000	$7,141	5.11%
Warsaw, IN (FHA\|USDA\|VA)	6	$1,260,000	$210,000	$6,267	5.03%
Kendallville, IN (FHA\|USDA\|VA)	8	$1,230,000	$153,750	$4,464	5.14%
Madisonville, KY (FHA\|USDA\|VA)	4	$1,230,000	$307,500	$8,926	5.36%
TOLEDO, OH (FHA\|USDA\|VA)	6	$1,200,000	$200,000	$11,580	5.02%
Peru, IN (FHA\|USDA\|VA)	4	$1,190,000	$297,500	$5,852	5.21%
Greensburg, IN (FHA\|USDA\|VA)	4	$1,170,000	$292,500	$6,750	4.99%
Mount Sterling, KY (FHA\|USDA\|VA)	6	$1,150,000	$191,667	$7,074	5.28%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	7	$1,135,000	$162,143	$5,678	5.33%
Urbana, OH (FHA\|USDA\|VA)	7	$1,115,000	$159,286	$6,075	4.95%
Seymour, IN (FHA\|USDA\|VA)	4	$1,090,000	$272,500	$7,492	4.95%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	2	$1,040,000	$520,000	$0	6.25%
Crawfordsville, IN (FHA\|USDA\|VA)	6	$1,040,000	$173,333	$4,945	5.64%
Plymouth, IN (FHA\|USDA\|VA)	7	$1,035,000	$147,857	$5,762	5.45%
McMinnville, TN (FHA\|USDA\|VA)	3	$1,015,000	$338,333	$8,705	5.12%
Scottsburg, IN (FHA\|USDA\|VA)	5	$1,015,000	$203,000	$6,999	5.18%
Wilmington, OH (FHA\|USDA\|VA)	4	$1,000,000	$250,000	$7,454	5.04%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$965,000	$965,000	$12,450	4.15%
Sandusky, OH (FHA\|USDA\|VA)	5	$955,000	$191,000	$7,667	5.29%
North Vernon, IN (FHA\|USDA\|VA)	4	$950,000	$237,500	$8,088	5.56%
Marion, IN (FHA\|USDA\|VA)	4	$950,000	$237,500	$5,801	5.44%
Frankfort, KY (FHA\|USDA\|VA)	5	$945,000	$189,000	$5,779	5.16%
BOWLING GREEN, KY (FHA\|USDA\|VA)	5	$945,000	$189,000	$5,589	5.67%
MUNCIE, IN (FHA\|USDA\|VA)	5	$925,000	$185,000	$6,462	5.38%
Newport, TN (FHA\|USDA\|VA)	4	$890,000	$222,500	$8,778	5.43%
Marietta, OH (FHA\|USDA\|VA)	4	$870,000	$217,500	$7,701	5.16%
Glasgow, KY (FHA\|USDA\|VA)	6	$870,000	$145,000	$5,721	5.23%
Bedford, IN (FHA\|USDA\|VA)	2	$860,000	$430,000	$8,535	5.63%
Paris, TN (FHA\|USDA\|VA)	6	$840,000	$140,000	$8,077	5.38%
Maysville, KY (FHA\|USDA\|VA)	4	$830,000	$207,500	$8,034	5.01%
Decatur, IN (FHA\|USDA\|VA)	3	$795,000	$265,000	$6,154	5.38%
Point Pleasant, WV-OH (FHA\|USDA\|VA)	5	$785,000	$157,000	$4,885	5.30%
WEIRTON-STEUBENVILLE, WV-OH (FHA\|USDA\|VA)	4	$780,000	$195,000	$17,962	4.90%
Logansport, IN (FHA\|USDA\|VA)	3	$775,000	$258,333	$10,768	5.28%
Richmond, IN (FHA\|USDA\|VA)	4	$760,000	$190,000	$5,864	5.56%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	5	$725,000	$145,000	$4,715	5.31%
Vincennes, IN (FHA\|USDA\|VA)	3	$685,000	$228,333	$9,060	5.27%
New Castle, IN (FHA\|USDA\|VA)	4	$680,000	$170,000	$6,341	5.33%
London, KY (FHA\|USDA\|VA)	8	$680,000	$85,000	$4,668	5.46%
Wapakoneta, OH (FHA\|USDA\|VA)	2	$660,000	$330,000	$9,450	5.15%
Washington, IN (FHA\|USDA\|VA)	5	$655,000	$131,000	$6,617	5.74%
Chillicothe, OH (FHA\|USDA\|VA)	4	$600,000	$150,000	$11,362	5.15%
Athens, TN (FHA\|USDA\|VA)	4	$600,000	$150,000	$6,485	5.66%
Angola, IN (FHA\|USDA\|VA)	2	$560,000	$280,000	$5,223	5.70%
Fremont, OH (FHA\|USDA\|VA)	2	$520,000	$260,000	$4,586	5.28%
Campbellsville, KY (FHA\|USDA\|VA)	5	$495,000	$99,000	$4,693	5.51%
Norwalk, OH (FHA\|USDA\|VA)	3	$495,000	$165,000	$0	5.02%
Wabash, IN (FHA\|USDA\|VA)	2	$480,000	$240,000	$0	4.95%
Marion, OH (FHA\|USDA\|VA)	2	$460,000	$230,000	$6,706	5.23%
Martin, TN (FHA\|USDA\|VA)	3	$455,000	$151,667	$9,955	5.57%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$435,000	$435,000	$19,869	5.00%
Danville, KY (FHA\|USDA\|VA)	2	$420,000	$210,000	$3,600	5.18%
Jackson, OH (FHA\|USDA\|VA)	3	$385,000	$128,333	$3,903	5.83%
Jasper, IN (FHA\|USDA\|VA)	2	$360,000	$180,000	$8,459	5.08%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	2	$360,000	$180,000	$9,960	5.70%
Athens, OH (FHA\|USDA\|VA)	2	$340,000	$170,000	$6,747	5.25%
Dayton, TN (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	4.75%
Somerset, KY (FHA\|USDA\|VA)	4	$330,000	$82,500	$2,349	5.55%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$265,000	$265,000	$9,562	5.45%
Huntington, IN (FHA\|USDA\|VA)	1	$255,000	$255,000	$7,685	5.70%
LIMA, OH (FHA\|USDA\|VA)	2	$240,000	$120,000	$7,430	5.95%
Union City, TN (FHA\|USDA\|VA)	2	$240,000	$120,000	$7,955	5.20%
Celina, OH (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	5.68%
Tiffin, OH (FHA\|USDA\|VA)	1	$225,000	$225,000	$9,450	5.35%
Defiance, OH (FHA\|USDA\|VA)	1	$205,000	$205,000	$7,633	5.00%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	2	$180,000	$90,000	$0	5.10%
Dyersburg, TN (FHA\|USDA\|VA)	3	$175,000	$58,333	$0	5.72%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,084	4.85%
Connersville, IN (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,057	5.85%
Brownsville, TN (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	5.15%
Frankfort, IN (FHA\|USDA\|VA)	2	$130,000	$65,000	$4,246	5.38%
Washington Court House, OH (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,739	5.00%
Van Wert, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,050	5.45%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	1	$45,000	$45,000	$3,624	4.60%

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

Their top states include:

Tennessee (FHA|USDA|VA)

Ohio (FHA|USDA|VA)

Indiana (FHA|USDA|VA)

Kentucky (FHA|USDA|VA)

Florida (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.

CONSUMER Credit Union
Similarity Rank: 32

Home Federal Savings and Loan Association of Niles
Similarity Rank: 32

Charter Bank
Similarity Rank: 36

North Valley Bank
Similarity Rank: 48

Mechanics Bank
Similarity Rank: 48

The Garrett State Bank
Similarity Rank: 48

Fire Police City County Federal Credit Union
Similarity Rank: 48

RIVER VALLEY CREDIT UNION, INC.
Similarity Rank: 69

SOUTHERN LENDING SERVICES, LTD.
Similarity Rank: 86

Town Square Bank
Similarity Rank: 90

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,816	$435,660,000	$239,901	$7,603	5.30%
HELOC	178	$14,250,000	$80,056	n/a	5.38%

For 2018, Farm Credit Mid-america Aca's most frequently originated type of loan was Conventional, with 1,816 originations. Their 2nd most popular type was HELOC, with 178 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,378	$337,430,000	$244,869	$7,899	5.30%
Refi	378	$87,920,000	$232,593	$7,037	5.26%
Home Improvement	221	$22,225,000	$100,566	$4,666	5.36%
Cash Out Refi	11	$1,315,000	$119,545	$8,051	6.23%
NA	5	$395,000	$79,000	$0	6.74%
Other	1	$625,000	$625,000	$9,471	4.50%

For 2018, Farm Credit Mid-america Aca's most frequently cited loan purpose was Home Purchase, with 1,378 originations. The 2nd most popular reason was Refi, with 378 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,240	$322,680,000	$260,226	$8,159	5.23%
10 Year	262	$22,940,000	$87,557	$5,234	5.43%
15 Year	238	$39,770,000	$167,101	$5,806	5.47%
20 Year	137	$29,475,000	$215,146	$6,959	5.38%
Other	99	$32,075,000	$323,990	$7,820	5.46%
30+ year	15	$2,705,000	$180,333	$5,761	5.24%
5 Year	2	$140,000	$70,000	$3,258	4.93%
1 Year	1	$125,000	$125,000	$0	5.35%

For 2018, Farm Credit Mid-america Aca's most frequently cited loan duration was 30 Year, with 1,240 originations. The 2nd most popular length was 10 Year, with 262 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	425	$179,125,000	$421,471
$2k-3k	368	$58,370,000	$158,614
$3k-4k	336	$76,460,000	$227,560
$1k-2k	269	$30,565,000	$113,625
$4k-5k	223	$63,525,000	$284,865
$<1k	99	$6,985,000	$70,556

Farm Credit Mid-america Aca's average total fees were $8,159, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 425 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
5-6%	1,166	$241,390,000	$207,024
4-5%	635	$180,085,000	$283,598
6-7%	168	$24,470,000	$145,655
7-8%	16	$1,030,000	$64,375
3-4%	6	$2,800,000	$466,667
Over 8%	3	$135,000	$45,000

During 2018, Farm Credit Mid-america Aca's average interest rate for loans was 5.23%, while their most frequently originated rate bucket for loans was 5-6%, with 1,166 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	694	$193,320,000	$278,559	$8,555	5.21%
$100k-200k	602	$88,200,000	$146,512	$6,086	5.37%
$100,000 or less	459	$27,775,000	$60,512	$3,846	5.52%
$400k-600k	161	$76,185,000	$473,199	$12,166	5.08%
$600k-1MM	66	$47,240,000	$715,758	$15,080	5.00%
$1MM+	12	$17,190,000	$1,432,500	$18,451	4.70%

2018 saw Farm Credit Mid-america Aca place emphasis on $200k-400k loans with 694 originations, totaling $193,320,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	566	$124,780,000	$220,459	$7,743	5.30%
$75k-100k	386	$70,270,000	$182,047	$6,874	5.28%
$150k-250k	376	$112,740,000	$299,840	$8,944	5.26%
$50k-75k	315	$44,885,000	$142,492	$5,982	5.39%
$250k+	198	$79,630,000	$402,172	$10,720	5.21%
$50k or less	146	$13,400,000	$91,781	$4,989	5.49%

Farm Credit Mid-america Aca lent most frequently to those with incomes in the $100k-150k range, with 566 originations. The second most popular income band? $75k-100k, with 386 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	552	$109,010,000	$197,482	$7,220	5.26%
30-36%	484	$113,020,000	$233,512	$7,812	5.30%
<20%	171	$26,135,000	$152,836	$6,014	5.24%
36%	80	$19,360,000	$242,000	$7,831	5.28%
37%	59	$12,875,000	$218,220	$8,258	5.36%
39%	33	$10,485,000	$317,727	$9,110	5.18%
38%	29	$6,235,000	$215,000	$8,106	5.17%
40%	18	$4,450,000	$247,222	$8,191	5.26%
42%	14	$4,450,000	$317,857	$8,768	4.99%
41%	10	$1,970,000	$197,000	$7,874	5.27%
>60%	8	$5,230,000	$653,750	$9,781	4.97%
46%	7	$1,335,000	$190,714	$7,073	5.24%
48%	7	$2,015,000	$287,857	$7,548	5.59%
43%	6	$1,250,000	$208,333	$6,530	5.27%
45%	6	$2,360,000	$393,333	$17,403	5.23%
50-60%	6	$1,630,000	$271,667	$6,293	5.64%
44%	5	$1,485,000	$297,000	$10,715	5.26%
49%	3	$785,000	$261,667	$6,092	5.27%
47%	3	$805,000	$268,333	$8,691	5.20%

Farm Credit Mid-america Aca lent most frequently to those with DTI ratios of 20-30%, with 552 originations. The next most common DTI ratio? 30-36%, with 484 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,709	$378,125,000	$221,255	$7,541	5.29%
Not provided	258	$62,380,000	$241,783	$7,963	5.43%
Not applicable	5	$3,815,000	$763,000	$0	6.16%
American Indian	9	$2,325,000	$258,333	$6,836	5.49%
Asian	4	$1,420,000	$355,000	$7,109	4.91%
Native Hawaiian or Islander	4	$760,000	$190,000	$9,580	6.00%
Black	3	$635,000	$211,667	$8,075	5.67%
Samoan	2	$450,000	$225,000	$5,344	4.75%

Approval Rates

Total approvals of all applications
84.81%

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

Pick Rate

Approvals leading to origination
42.18%

Farm Credit Mid-america Aca has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,994	$449,910,000	$225,632

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	2	$3,770,000	$1,885,000
Single Family (1-4 Units):Manufactured	93	$15,675,000	$168,548
Single Family (1-4 Units):Site-Built	1,899	$430,465,000	$226,680

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	282	$39,350,000	$139,539	$5,922	5.42%
40-60%	275	$56,245,000	$204,527	$6,860	5.34%
60-80%	677	$177,045,000	$261,514	$8,234	5.28%
80-100%	555	$158,235,000	$285,108	$8,580	5.23%
Over 100%	1	$345,000	$345,000	$31,111	4.85%
Under 20%	201	$17,585,000	$87,488	$3,839	5.43%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
FRANKLIN AMERICAN MORTGAGE CO.	Conventional home mortgage	Closing on a mortgage	1	3.3%
FRANKLIN AMERICAN MORTGAGE CO.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	3.3%
FRANKLIN AMERICAN MORTGAGE CO.	Conventional home mortgage	Struggling to pay mortgage	1	3.3%
FRANKLIN AMERICAN MORTGAGE CO.	Conventional home mortgage	Trouble during payment process	18	60.0%
FRANKLIN AMERICAN MORTGAGE CO.	FHA mortgage	Struggling to pay mortgage	1	3.3%
FRANKLIN AMERICAN MORTGAGE CO.	FHA mortgage	Trouble during payment process	1	3.3%
FRANKLIN AMERICAN MORTGAGE CO.	Other type of mortgage	Struggling to pay mortgage	1	3.3%
FRANKLIN AMERICAN MORTGAGE CO.	Other type of mortgage	Trouble during payment process	3	10.0%
FRANKLIN AMERICAN MORTGAGE CO.	VA mortgage	Struggling to pay mortgage	1	3.3%
FRANKLIN AMERICAN MORTGAGE CO.	VA mortgage	Trouble during payment process	2	6.7%