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 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, Columbus, and Knoxville among others. We have data for 247 markets. (Some data included below & more in-depth data is available with an active subscription.)

Farm Credit Mid-america Aca has an above 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

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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

3,492

Origination Dollar Volume (All Markets)

$1,198,910,000

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	1,121	$372,395,000	$332,199	$7,141	5.41%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	214	$102,540,000	$479,159	$8,419	5.41%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	99	$38,005,000	$383,889	$7,306	5.36%
LOUISVILLE, KY (FHA\|USDA\|VA)	82	$30,980,000	$377,805	$6,604	5.46%
COLUMBUS, OH (FHA\|USDA\|VA)	87	$28,705,000	$329,943	$6,229	5.20%
KNOXVILLE, TN (FHA\|USDA\|VA)	62	$23,840,000	$384,516	$7,649	5.19%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	61	$22,665,000	$371,557	$6,961	5.38%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	66	$20,950,000	$317,424	$6,403	5.29%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	36	$16,840,000	$467,778	$7,653	5.04%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	33	$15,915,000	$482,273	$7,560	4.98%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	43	$15,435,000	$358,953	$7,469	4.95%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	35	$12,865,000	$367,571	$6,115	5.59%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	37	$12,445,000	$336,351	$7,092	5.35%
MORRISTOWN, TN (FHA\|USDA\|VA)	31	$11,625,000	$375,000	$7,740	5.17%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	36	$11,380,000	$316,111	$6,778	4.87%
Brenham, TX (FHA\|USDA\|VA)	14	$9,990,000	$713,571	$13,381	4.88%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	30	$9,190,000	$306,333	$5,853	5.81%
OWENSBORO, KY (FHA\|USDA\|VA)	26	$8,850,000	$340,385	$7,095	5.15%
Wooster, OH (FHA\|USDA\|VA)	26	$8,580,000	$330,000	$6,212	5.41%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	21	$8,185,000	$389,762	$7,590	5.30%
Shelbyville, TN (FHA\|USDA\|VA)	24	$8,110,000	$337,917	$6,598	5.05%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	29	$7,875,000	$271,552	$5,350	5.34%
Crossville, TN (FHA\|USDA\|VA)	24	$7,720,000	$321,667	$7,149	5.43%
JOHNSON CITY, TN (FHA\|USDA\|VA)	21	$7,595,000	$361,667	$8,432	5.53%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	15	$7,445,000	$496,333	$8,590	4.86%
BOWLING GREEN, KY (FHA\|USDA\|VA)	25	$6,595,000	$263,800	$5,448	5.60%
TERRE HAUTE, IN (FHA\|USDA\|VA)	20	$6,560,000	$328,000	$5,988	5.48%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	10	$6,550,000	$655,000	$13,140	5.64%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	31	$6,375,000	$205,645	$5,150	5.10%
Cookeville, TN (FHA\|USDA\|VA)	21	$5,975,000	$284,524	$6,923	5.15%
Athens, TN (FHA\|USDA\|VA)	16	$5,890,000	$368,125	$7,874	5.45%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	15	$5,755,000	$383,667	$6,562	5.06%
Mount Vernon, OH (FHA\|USDA\|VA)	18	$5,590,000	$310,556	$6,537	6.18%
Greeneville, TN (FHA\|USDA\|VA)	14	$5,370,000	$383,571	$7,582	4.94%
BLOOMINGTON, IN (FHA\|USDA\|VA)	17	$5,185,000	$305,000	$5,358	5.28%
Celina, OH (FHA\|USDA\|VA)	12	$5,150,000	$429,167	$8,405	5.70%
JACKSON, TN (FHA\|USDA\|VA)	15	$4,835,000	$322,333	$7,387	5.05%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	16	$4,750,000	$296,875	$6,307	4.67%
Ashtabula, OH (FHA\|USDA\|VA)	26	$4,720,000	$181,538	$5,312	5.47%
Gillette, WY (FHA\|USDA\|VA)	7	$4,695,000	$670,714	$10,552	5.34%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	19	$4,625,000	$243,421	$6,247	5.70%
Lewisburg, TN (FHA\|USDA\|VA)	11	$4,595,000	$417,727	$7,507	5.35%
Richmond-Berea, KY (FHA\|USDA\|VA)	11	$4,555,000	$414,091	$7,745	4.90%
SIOUX FALLS, SD (FHA\|USDA\|VA)	6	$4,420,000	$736,667	$7,258	4.66%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	15	$4,395,000	$293,000	$5,800	5.25%
Columbus, NE (FHA\|USDA\|VA)	10	$4,330,000	$433,000	$7,501	4.97%
Lawrenceburg, TN (FHA\|USDA\|VA)	11	$4,315,000	$392,273	$7,243	5.00%
Bardstown, KY (FHA\|USDA\|VA)	16	$4,170,000	$260,625	$6,024	5.34%
COLUMBUS, IN (FHA\|USDA\|VA)	10	$4,130,000	$413,000	$8,264	5.17%
LINCOLN, NE (FHA\|USDA\|VA)	13	$4,085,000	$314,231	$6,657	5.32%
FORT WAYNE, IN (FHA\|USDA\|VA)	16	$4,080,000	$255,000	$5,446	5.34%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	7	$3,995,000	$570,714	$11,638	5.71%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	15	$3,945,000	$263,000	$6,802	5.57%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	20	$3,880,000	$194,000	$4,953	4.94%
AKRON, OH (FHA\|USDA\|VA)	12	$3,860,000	$321,667	$7,536	5.19%
Frankfort, KY (FHA\|USDA\|VA)	11	$3,845,000	$349,545	$7,323	5.15%
Kendallville, IN (FHA\|USDA\|VA)	17	$3,755,000	$220,882	$4,584	5.59%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	12	$3,700,000	$308,333	$6,270	5.27%
Kearney, NE (FHA\|USDA\|VA)	5	$3,695,000	$739,000	$12,347	5.29%
Portsmouth, OH (FHA\|USDA\|VA)	11	$3,605,000	$327,727	$7,665	5.80%
SPRINGFIELD, OH (FHA\|USDA\|VA)	11	$3,565,000	$324,091	$7,654	5.32%
TOPEKA, KS (FHA\|USDA\|VA)	13	$3,505,000	$269,615	$6,029	5.17%
CLEVELAND, TN (FHA\|USDA\|VA)	9	$3,445,000	$382,778	$7,502	5.54%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	20	$3,330,000	$166,500	$3,765	5.95%
CASPER, WY (FHA\|USDA\|VA)	7	$3,285,000	$469,286	$8,273	5.78%
Glasgow, KY (FHA\|USDA\|VA)	12	$3,060,000	$255,000	$6,222	5.00%
Aberdeen, SD (FHA\|USDA\|VA)	7	$3,035,000	$433,571	$10,306	5.38%
RAPID CITY, SD (FHA\|USDA\|VA)	7	$3,035,000	$433,571	$7,493	5.98%
LAWRENCE, KS (FHA\|USDA\|VA)	5	$2,915,000	$583,000	$8,272	4.34%
Watertown, SD (FHA\|USDA\|VA)	5	$2,905,000	$581,000	$8,260	3.97%
Sidney, OH (FHA\|USDA\|VA)	12	$2,860,000	$238,333	$6,069	5.38%
Richmond, IN (FHA\|USDA\|VA)	9	$2,825,000	$313,889	$8,565	5.27%
Bellefontaine, OH (FHA\|USDA\|VA)	10	$2,820,000	$282,000	$5,890	5.27%
Cambridge, OH (FHA\|USDA\|VA)	11	$2,695,000	$245,000	$5,617	5.55%
McMinnville, TN (FHA\|USDA\|VA)	8	$2,680,000	$335,000	$6,292	6.08%
Mount Sterling, KY (FHA\|USDA\|VA)	8	$2,660,000	$332,500	$6,291	4.72%
WHEELING, WV-OH (FHA\|USDA\|VA)	8	$2,620,000	$327,500	$6,516	5.14%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	4	$2,570,000	$642,500	$13,517	5.17%
Gainesville, TX (FHA\|USDA\|VA)	3	$2,525,000	$841,667	$14,566	5.57%
Ashland, OH (FHA\|USDA\|VA)	11	$2,495,000	$226,818	$5,087	4.89%
Point Pleasant, WV-OH (FHA\|USDA\|VA)	10	$2,440,000	$244,000	$5,719	5.02%
Danville, KY (FHA\|USDA\|VA)	6	$2,360,000	$393,333	$8,132	5.44%
LONGVIEW, TX (FHA\|USDA\|VA)	5	$2,285,000	$457,000	$9,149	4.80%
Sevierville, TN (FHA\|USDA\|VA)	4	$2,250,000	$562,500	$10,624	5.49%
Salem, OH (FHA\|USDA\|VA)	9	$2,245,000	$249,444	$5,129	5.48%
Warsaw, IN (FHA\|USDA\|VA)	11	$2,225,000	$202,273	$4,611	5.75%
AMES, IA (FHA\|USDA\|VA)	6	$2,200,000	$366,667	$6,058	4.38%
Carroll, IA (FHA\|USDA\|VA)	6	$2,160,000	$360,000	$8,351	5.02%
Marietta, OH (FHA\|USDA\|VA)	8	$2,070,000	$258,750	$5,922	4.92%
Urbana, OH (FHA\|USDA\|VA)	6	$2,010,000	$335,000	$7,411	5.15%
MUNCIE, IN (FHA\|USDA\|VA)	8	$2,010,000	$251,250	$5,190	5.34%
Zanesville, OH (FHA\|USDA\|VA)	9	$1,975,000	$219,444	$5,099	5.48%
Bonham, TX (FHA\|USDA\|VA)	4	$1,960,000	$490,000	$10,062	4.54%
Plymouth, IN (FHA\|USDA\|VA)	6	$1,960,000	$326,667	$6,414	4.58%
Seymour, IN (FHA\|USDA\|VA)	8	$1,900,000	$237,500	$4,186	5.29%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	3	$1,895,000	$631,667	$11,279	6.60%
MANSFIELD, OH (FHA\|USDA\|VA)	7	$1,895,000	$270,714	$6,275	5.09%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	3	$1,895,000	$631,667	$15,037	5.87%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	3	$1,885,000	$628,333	$16,103	6.18%
MANHATTAN, KS (FHA\|USDA\|VA)	4	$1,780,000	$445,000	$8,645	4.53%
Washington, IN (FHA\|USDA\|VA)	10	$1,740,000	$174,000	$5,514	5.65%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	8	$1,730,000	$216,250	$4,914	5.16%
LAS CRUCES, NM (FHA\|USDA\|VA)	5	$1,695,000	$339,000	$7,689	5.58%
North Platte, NE (FHA\|USDA\|VA)	7	$1,685,000	$240,714	$5,895	5.64%
Clinton, IA (FHA\|USDA\|VA)	3	$1,675,000	$558,333	$6,304	5.41%
Norfolk, NE (FHA\|USDA\|VA)	4	$1,660,000	$415,000	$8,842	4.79%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	9	$1,605,000	$178,333	$4,621	5.62%
Ottawa, KS (FHA\|USDA\|VA)	4	$1,590,000	$397,500	$9,059	4.26%
Somerset, KY (FHA\|USDA\|VA)	8	$1,550,000	$193,750	$4,759	5.83%
CEDAR RAPIDS, IA (FHA\|USDA\|VA)	3	$1,545,000	$515,000	$9,186	5.03%
Dayton, TN (FHA\|USDA\|VA)	4	$1,540,000	$385,000	$8,483	6.59%
Van Wert, OH (FHA\|USDA\|VA)	5	$1,505,000	$301,000	$6,721	6.13%
Campbellsville, KY (FHA\|USDA\|VA)	5	$1,455,000	$291,000	$8,530	5.54%
Huron, SD (FHA\|USDA\|VA)	3	$1,455,000	$485,000	$15,100	5.07%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	3	$1,445,000	$481,667	$11,016	5.63%
Chillicothe, OH (FHA\|USDA\|VA)	7	$1,405,000	$200,714	$4,778	4.60%
Washington Court House, OH (FHA\|USDA\|VA)	4	$1,380,000	$345,000	$6,379	5.36%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	2	$1,330,000	$665,000	$7,263	5.38%
Decatur, IN (FHA\|USDA\|VA)	7	$1,325,000	$189,286	$3,822	4.76%
Riverton, WY (FHA\|USDA\|VA)	4	$1,320,000	$330,000	$6,899	4.75%
Sandusky, OH (FHA\|USDA\|VA)	1	$1,315,000	$1,315,000	$7,959	3.95%
Angola, IN (FHA\|USDA\|VA)	5	$1,305,000	$261,000	$5,453	4.32%
Athens, OH (FHA\|USDA\|VA)	5	$1,305,000	$261,000	$6,082	4.63%
New Castle, IN (FHA\|USDA\|VA)	4	$1,290,000	$322,500	$6,510	6.06%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	5	$1,275,000	$255,000	$6,795	5.75%
Emporia, KS (FHA\|USDA\|VA)	5	$1,265,000	$253,000	$6,530	5.57%
Frankfort, IN (FHA\|USDA\|VA)	5	$1,255,000	$251,000	$5,633	6.42%
Bedford, IN (FHA\|USDA\|VA)	4	$1,250,000	$312,500	$6,618	5.10%
KOKOMO, IN (FHA\|USDA\|VA)	5	$1,245,000	$249,000	$5,513	6.19%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	3	$1,245,000	$415,000	$10,602	5.33%
Pella, IA (FHA\|USDA\|VA)	3	$1,225,000	$408,333	$6,199	5.48%
Jasper, IN (FHA\|USDA\|VA)	4	$1,200,000	$300,000	$7,255	5.13%
Lexington, NE (FHA\|USDA\|VA)	2	$1,170,000	$585,000	$9,024	5.13%
Wilmington, OH (FHA\|USDA\|VA)	4	$1,150,000	$287,500	$7,436	5.31%
Spearfish, SD (FHA\|USDA\|VA)	2	$1,140,000	$570,000	$9,709	5.96%
Madisonville, KY (FHA\|USDA\|VA)	4	$1,130,000	$282,500	$7,037	5.31%
GRAND ISLAND, NE (FHA\|USDA\|VA)	3	$1,125,000	$375,000	$11,960	5.72%
London, KY (FHA\|USDA\|VA)	4	$1,120,000	$280,000	$6,927	5.96%
Jackson, OH (FHA\|USDA\|VA)	6	$1,120,000	$186,667	$5,782	4.91%
SIOUX CITY, IA-NE-SD (FHA\|USDA\|VA)	2	$1,110,000	$555,000	$10,314	5.53%
Newport, TN (FHA\|USDA\|VA)	4	$1,070,000	$267,500	$6,861	4.93%
Wapakoneta, OH (FHA\|USDA\|VA)	3	$1,065,000	$355,000	$6,948	5.70%
Martin, TN (FHA\|USDA\|VA)	4	$1,030,000	$257,500	$7,295	5.00%
Effingham, IL (FHA\|USDA\|VA)	4	$1,010,000	$252,500	$6,047	5.31%
LIMA, OH (FHA\|USDA\|VA)	4	$990,000	$247,500	$6,070	6.41%
Fredericksburg, TX (FHA\|USDA\|VA)	3	$945,000	$315,000	$9,570	6.73%
Norwalk, OH (FHA\|USDA\|VA)	4	$940,000	$235,000	$3,083	4.93%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	3	$925,000	$308,333	$8,455	5.49%
WATERLOO-CEDAR FALLS, IA (FHA\|USDA\|VA)	4	$920,000	$230,000	$5,165	4.71%
Scottsburg, IN (FHA\|USDA\|VA)	5	$905,000	$181,000	$5,723	6.61%
Auburn, IN (FHA\|USDA\|VA)	4	$900,000	$225,000	$4,531	5.67%
Madison, IN (FHA\|USDA\|VA)	3	$895,000	$298,333	$5,744	5.37%
Nacogdoches, TX (FHA\|USDA\|VA)	1	$895,000	$895,000	$15,505	6.88%
Taylorville, IL (FHA\|USDA\|VA)	2	$890,000	$445,000	$8,520	5.55%
Sulphur Springs, TX (FHA\|USDA\|VA)	2	$870,000	$435,000	$14,912	5.28%
Fremont, NE (FHA\|USDA\|VA)	3	$855,000	$285,000	$6,717	5.28%
Central City, KY (FHA\|USDA\|VA)	4	$850,000	$212,500	$4,763	5.25%
Marion, IN (FHA\|USDA\|VA)	2	$840,000	$420,000	$6,795	5.64%
Muscatine, IA (FHA\|USDA\|VA)	3	$835,000	$278,333	$6,998	4.72%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	3	$835,000	$278,333	$6,087	5.17%
Fort Dodge, IA (FHA\|USDA\|VA)	2	$820,000	$410,000	$8,801	6.29%
Scottsbluff, NE (FHA\|USDA\|VA)	4	$820,000	$205,000	$5,250	5.20%
Coshocton, OH (FHA\|USDA\|VA)	5	$815,000	$163,000	$4,234	5.33%
Crawfordsville, IN (FHA\|USDA\|VA)	3	$815,000	$271,667	$11,223	6.27%
Bluffton, IN (FHA\|USDA\|VA)	2	$810,000	$405,000	$8,928	5.03%
TOLEDO, OH (FHA\|USDA\|VA)	5	$795,000	$159,000	$4,525	5.80%
Sturgis, MI (FHA\|USDA\|VA)	3	$775,000	$258,333	$5,808	5.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	2	$750,000	$375,000	$7,718	5.28%
Coffeyville, KS (FHA\|USDA\|VA)	4	$740,000	$185,000	$4,824	5.48%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	2	$710,000	$355,000	$6,560	5.08%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	4	$710,000	$177,500	$5,749	5.49%
Logansport, IN (FHA\|USDA\|VA)	3	$705,000	$235,000	$6,283	5.52%
DECATUR, IL (FHA\|USDA\|VA)	3	$695,000	$231,667	$5,476	5.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$675,000	$675,000	$0	4.15%
Defiance, OH (FHA\|USDA\|VA)	3	$675,000	$225,000	$3,767	3.97%
Sheridan, WY (FHA\|USDA\|VA)	1	$665,000	$665,000	$8,485	4.00%
SPRINGFIELD, IL (FHA\|USDA\|VA)	3	$665,000	$221,667	$5,351	5.19%
Yankton, SD (FHA\|USDA\|VA)	2	$660,000	$330,000	$6,665	6.19%
Greensburg, IN (FHA\|USDA\|VA)	2	$660,000	$330,000	$5,447	5.64%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$655,000	$655,000	$10,752	7.25%
Beeville, TX (FHA\|USDA\|VA)	1	$645,000	$645,000	$14,453	3.80%
Peru, IN (FHA\|USDA\|VA)	4	$640,000	$160,000	$4,356	6.15%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	2	$640,000	$320,000	$7,555	4.13%
WEIRTON-STEUBENVILLE, WV-OH (FHA\|USDA\|VA)	3	$635,000	$211,667	$5,452	4.89%
Greenville, OH (FHA\|USDA\|VA)	4	$610,000	$152,500	$3,681	4.38%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	1	$605,000	$605,000	$11,843	3.75%
Levelland, TX (FHA\|USDA\|VA)	1	$605,000	$605,000	$25,742	5.35%
Sikeston, MO (FHA\|USDA\|VA)	2	$580,000	$290,000	$6,333	6.08%
Mason City, IA (FHA\|USDA\|VA)	2	$570,000	$285,000	$6,494	5.83%
Athens, TX (FHA\|USDA\|VA)	2	$570,000	$285,000	$6,792	5.00%
McPherson, KS (FHA\|USDA\|VA)	1	$555,000	$555,000	$7,977	4.80%
Lincoln, IL (FHA\|USDA\|VA)	3	$555,000	$185,000	$4,423	5.57%
MONROE, MI (FHA\|USDA\|VA)	2	$550,000	$275,000	$0	6.80%
Uvalde, TX (FHA\|USDA\|VA)	2	$550,000	$275,000	$8,657	3.73%
Lamesa, TX (FHA\|USDA\|VA)	1	$535,000	$535,000	$13,754	6.50%
Corsicana, TX (FHA\|USDA\|VA)	1	$515,000	$515,000	$11,303	6.30%
Maysville, KY (FHA\|USDA\|VA)	2	$500,000	$250,000	$5,669	6.23%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	1	$495,000	$495,000	$12,318	4.35%
TYLER, TX (FHA\|USDA\|VA)	1	$475,000	$475,000	$10,435	6.88%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	2	$470,000	$235,000	$6,845	4.45%
Stephenville, TX (FHA\|USDA\|VA)	1	$455,000	$455,000	$11,493	3.75%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$455,000	$455,000	$8,492	6.00%
ODESSA, TX (FHA\|USDA\|VA)	1	$445,000	$445,000	$17,194	5.75%
Vincennes, IN (FHA\|USDA\|VA)	1	$445,000	$445,000	$3,835	6.05%
Ottumwa, IA (FHA\|USDA\|VA)	2	$420,000	$210,000	$5,678	4.48%
Connersville, IN (FHA\|USDA\|VA)	2	$410,000	$205,000	$2,944	5.01%
Mineral Wells, TX (FHA\|USDA\|VA)	1	$405,000	$405,000	$10,765	4.35%
Hastings, NE (FHA\|USDA\|VA)	2	$380,000	$190,000	$5,234	5.35%
Huntington, IN (FHA\|USDA\|VA)	2	$380,000	$190,000	$4,871	6.44%
IOWA CITY, IA (FHA\|USDA\|VA)	2	$370,000	$185,000	$4,929	3.98%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	2	$370,000	$185,000	$6,414	6.55%
Fremont, OH (FHA\|USDA\|VA)	2	$370,000	$185,000	$7,245	4.43%
Spencer, IA (FHA\|USDA\|VA)	1	$365,000	$365,000	$9,651	3.60%
Laramie, WY (FHA\|USDA\|VA)	2	$360,000	$180,000	$4,975	6.61%
Beatrice, NE (FHA\|USDA\|VA)	2	$340,000	$170,000	$3,649	5.79%
Wabash, IN (FHA\|USDA\|VA)	2	$330,000	$165,000	$3,240	5.95%
Union City, TN (FHA\|USDA\|VA)	1	$315,000	$315,000	$6,594	5.40%
Centralia, IL (FHA\|USDA\|VA)	2	$310,000	$155,000	$4,052	5.38%
Brownsville, TN (FHA\|USDA\|VA)	1	$305,000	$305,000	$5,114	7.38%
Vermillion, SD (FHA\|USDA\|VA)	1	$305,000	$305,000	$6,084	4.90%
Pierre, SD (FHA\|USDA\|VA)	2	$300,000	$150,000	$4,619	4.90%
TEXARKANA, TX-AR (FHA\|USDA\|VA)	1	$295,000	$295,000	$9,546	5.85%
DANVILLE, IL (FHA\|USDA\|VA)	1	$295,000	$295,000	$5,688	6.10%
Mount Pleasant, TX (FHA\|USDA\|VA)	1	$285,000	$285,000	$8,836	6.15%
Atchison, KS (FHA\|USDA\|VA)	1	$275,000	$275,000	$7,334	4.75%
El Campo, TX (FHA\|USDA\|VA)	1	$275,000	$275,000	$8,021	7.50%
Hutchinson, KS (FHA\|USDA\|VA)	1	$275,000	$275,000	$6,015	5.45%
JONESBORO, AR (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,692	7.38%
CAPE GIRARDEAU, MO-IL (FHA\|USDA\|VA)	2	$260,000	$130,000	$4,274	5.26%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,033	5.85%
VICTORIA, TX (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,779	5.80%
Mitchell, SD (FHA\|USDA\|VA)	2	$250,000	$125,000	$5,115	5.73%
New Castle, PA (FHA\|USDA\|VA)	1	$245,000	$245,000	$8,586	5.20%
Branson, MO (FHA\|USDA\|VA)	1	$235,000	$235,000	$5,606	5.00%
Pittsburg, KS (FHA\|USDA\|VA)	1	$225,000	$225,000	$6,885	4.10%
OCALA, FL (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	5.00%
Paris, TN (FHA\|USDA\|VA)	3	$215,000	$71,667	$2,712	5.22%
Roswell, NM (FHA\|USDA\|VA)	1	$215,000	$215,000	$8,162	3.75%
Brookings, SD (FHA\|USDA\|VA)	1	$215,000	$215,000	$5,144	6.00%
Storm Lake, IA (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,649	7.00%
Parsons, KS (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,450	5.90%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	5.80%
Española, NM (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,889	3.85%
Fairfield, IA (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,280	3.45%
Marshalltown, IA (FHA\|USDA\|VA)	1	$95,000	$95,000	$4,300	4.35%
Palestine, TX (FHA\|USDA\|VA)	1	$65,000	$65,000	$3,487	6.63%
Murray, KY (FHA\|USDA\|VA)	1	$55,000	$55,000	$2,349	3.65%

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

Their top states include:

Tennessee (FHA|USDA|VA)

Ohio (FHA|USDA|VA)

Indiana (FHA|USDA|VA)

Kentucky (FHA|USDA|VA)

Texas (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.

The Community Bank
Similarity Rank: 14

NORTHEAST COMMUNITY
Similarity Rank: 27

Fire Police City County Federal Credit Union
Similarity Rank: 116

Commonwealth Bank and Trust Company
Similarity Rank: 133

First State Bank of Middlebury
Similarity Rank: 135

Farmers State Bank
Similarity Rank: 136

I. H. MISSISSIPPI VALLEY CREDIT UNION
Similarity Rank: 150

First Community Bank
Similarity Rank: 170

TECH Credit Union
Similarity Rank: 171

METRO CU
Similarity Rank: 176

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	3,492	$1,198,910,000	$343,330	$7,052	5.35%

For 2022, Farm Credit Mid-america Aca's most frequently originated type of loan was Conventional, with 3,492 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,648	$990,470,000	$374,045	$7,706	5.43%
Refi	573	$164,585,000	$287,234	$5,441	4.94%
Home Improvement	254	$41,740,000	$164,331	$4,016	5.30%
Other	13	$1,565,000	$120,385	$3,369	7.44%
Cash Out Refi	4	$550,000	$137,500	$0	6.40%

For 2022, Farm Credit Mid-america Aca's most frequently cited loan purpose was Home Purchase, with 2,648 originations. The 2nd most popular reason was Refi, with 573 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,451	$915,625,000	$373,572	$7,634	5.41%
15 Year	425	$99,775,000	$234,765	$4,812	5.16%
20 Year	311	$99,145,000	$318,794	$6,103	5.33%
Other	192	$64,410,000	$335,469	$6,251	5.32%
10 Year	107	$16,995,000	$158,832	$4,131	4.77%
1 Year	5	$2,885,000	$577,000	$0	5.20%
5 Year	1	$75,000	$75,000	$0	6.30%

For 2022, Farm Credit Mid-america Aca's most frequently cited loan duration was 30 Year, with 2,451 originations. The 2nd most popular length was 15 Year, with 425 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	1,671	$842,515,000	$504,198
$3k-4k	553	$115,905,000	$209,593
$4k-5k	474	$124,190,000	$262,004
$2k-3k	316	$45,910,000	$145,285
$1k-2k	199	$20,975,000	$105,402
$<1k	113	$9,875,000	$87,389

Farm Credit Mid-america Aca's average total fees were $7,634, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,671 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
5-6%	934	$335,850,000	$359,582
6-7%	820	$266,180,000	$324,610
4-5%	744	$256,860,000	$345,242
3-4%	667	$245,235,000	$367,669
7-8%	276	$83,370,000	$302,065
2.5-3%	27	$8,795,000	$325,741
Over 8%	22	$2,190,000	$99,545
%	1	$255,000	$255,000
<2.5%	1	$175,000	$175,000

During 2022, Farm Credit Mid-america Aca's average interest rate for loans was 5.41%, while their most frequently originated rate bucket for loans was 5-6%, with 934 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,358	$399,880,000	$294,462	$6,719	5.36%
$100k-200k	704	$105,700,000	$150,142	$4,393	5.42%
$400k-600k	639	$310,565,000	$486,017	$9,575	5.22%
$100,000 or less	381	$24,575,000	$64,501	$2,697	5.54%
$600k-1MM	338	$252,950,000	$748,373	$11,622	5.17%
$1MM+	72	$105,240,000	$1,461,667	$15,243	5.21%

2022 saw Farm Credit Mid-america Aca place emphasis on $200k-400k loans with 1,358 originations, totaling $399,880,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	999	$294,815,000	$295,110	$6,742	5.30%
$150k-250k	930	$362,970,000	$390,290	$7,900	5.42%
$250k+	603	$350,965,000	$582,032	$9,520	5.39%
$75k-100k	486	$110,790,000	$227,963	$5,711	5.23%
$50k-75k	332	$57,970,000	$174,608	$4,850	5.40%
$50k or less	137	$19,875,000	$145,073	$4,202	5.28%

Farm Credit Mid-america Aca lent most frequently to those with incomes in the $100k-150k range, with 999 originations. The second most popular income band? $150k-250k, with 930 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	893	$304,665,000	$341,170	$6,728	5.19%
30-36%	859	$298,145,000	$347,084	$7,052	5.31%
<20%	364	$103,120,000	$283,297	$5,873	5.21%
37%	200	$78,640,000	$393,200	$7,620	5.38%
38%	183	$64,015,000	$349,809	$7,325	5.51%
36%	159	$58,365,000	$367,075	$7,615	5.43%
39%	150	$57,460,000	$383,067	$7,667	5.45%
40%	124	$46,490,000	$374,919	$7,709	5.49%
41%	124	$42,950,000	$346,371	$7,476	5.40%
42%	54	$21,170,000	$392,037	$7,770	5.21%
44%	43	$14,605,000	$339,651	$7,114	5.51%
43%	34	$13,950,000	$410,294	$8,486	5.29%
45%	28	$11,280,000	$402,857	$8,792	5.28%
47%	25	$9,375,000	$375,000	$7,756	6.02%
50-60%	23	$9,145,000	$397,609	$7,682	5.19%
48%	17	$5,765,000	$339,118	$7,665	5.39%
49%	17	$8,395,000	$493,824	$8,531	5.40%
46%	12	$5,430,000	$452,500	$8,891	5.74%
>60%	12	$4,770,000	$397,500	$8,092	4.88%

Farm Credit Mid-america Aca lent most frequently to those with DTI ratios of 20-30%, with 893 originations. The next most common DTI ratio? 30-36%, with 859 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,055	$1,044,745,000	$341,979	$7,029	5.32%
Not provided	405	$140,805,000	$347,667	$7,204	5.55%
American Indian	14	$5,310,000	$379,286	$7,615	5.53%
Other Asian	2	$2,890,000	$1,445,000	$7,949	4.08%
Black	7	$2,315,000	$330,714	$7,317	5.31%
Asian	5	$1,585,000	$317,000	$6,494	5.24%
Asian Indian	2	$850,000	$425,000	$9,011	5.13%
Not applicable	2	$410,000	$205,000	$5,383	6.95%

Approval Rates

Total approvals of all applications
90.81%

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

Pick Rate

Approvals leading to origination
62.77%

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	3,492	$1,198,910,000	$343,330

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	3,492	$1,198,910,000	$343,330

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	398	$97,550,000	$245,101	$5,546	5.41%
40-60%	707	$224,755,000	$317,900	$7,007	5.37%
60-80%	1,262	$505,630,000	$400,658	$7,975	5.36%
80-100%	807	$339,285,000	$420,428	$8,063	5.21%
Under 20%	317	$31,145,000	$98,249	$3,028	5.49%