# AG CREDIT AGRICULTURAL CREDIT ASSOCIATION

> **Canonical URL:** https://saferate.com/lenders/ag-credit-agricultural-credit-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AG CREDIT AGRICULTURAL CREDIT ASSOCIATION is a independent mortgage company, headquartered in Fostoria, OH, serving borrowers across 2 states, with 219 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900BRCCRMIPW8R563
- **Headquarters:** Fostoria, OH
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MI, OH
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.310%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,438
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 219
- **Dollar Volume:** $53 million
- **Applications Received:** 250
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $242,397
- **Average Borrower Income:** $123,945
- **Average Property Value:** $401,027

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 218 | +0.310% | $1,431 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 148 loans, Score: 40/100 (Sound)
- Refinance: 70 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 148 | $40M | +0.246% | Acceptable 🙂 |
| Refinance | 48/100 | 71 | $13M | +0.462% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 218 | 0.16% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 162 | 66/100 |
| Toledo, OH | OH | 20 | 56/100 |
| Cleveland, OH | OH | 17 | 50/100 |

## Where This Lender Ranks

AG CREDIT AGRICULTURAL CREDIT ASSOCIATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Toledo, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does AG CREDIT AGRICULTURAL CREDIT ASSOCIATION offer?

AG CREDIT AGRICULTURAL CREDIT ASSOCIATION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AG CREDIT AGRICULTURAL CREDIT ASSOCIATION offer mortgages?

AG CREDIT AGRICULTURAL CREDIT ASSOCIATION offers mortgages in 2 states: MI, OH.

### How competitive are AG CREDIT AGRICULTURAL CREDIT ASSOCIATION's mortgage rates?

AG CREDIT AGRICULTURAL CREDIT ASSOCIATION has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.310% above market average.

### What type of lender is AG CREDIT AGRICULTURAL CREDIT ASSOCIATION?

AG CREDIT AGRICULTURAL CREDIT ASSOCIATION is a non-depository lender that specializes in mortgage origination, headquartered in Fostoria, OH.

### What is AG CREDIT AGRICULTURAL CREDIT ASSOCIATION's loan approval success rate?

AG CREDIT AGRICULTURAL CREDIT ASSOCIATION has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ag-credit-agricultural-credit-association

### How to Cite

> "AG CREDIT AGRICULTURAL CREDIT ASSOCIATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ag-credit-agricultural-credit-association

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