# Farm Credit Mid-America, ACA

> **Canonical URL:** https://saferate.com/lenders/farm-credit-mid-america-aca


> **📋 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


Farm Credit Mid-America, ACA is a independent mortgage company, headquartered in Louisville, KY, serving borrowers across 24 states, with 3,190 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 94% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493006JISETNI0GLE61
- **Headquarters:** Louisville, KY
- **Geographic Reach:** Multi-Region
- **States Served:** 24
- **State List:** AL, AR, CA, CO, HI, IA, IL, IN, KS, KY, MI, MN, MO, MS, NE, NM, NV, OH, OK, SD, TN, TX, WV, WY
- **Markets (MSAs):** 36
- **Primary Channel:** mix
- **Direct Origination:** 67.5%
- **Brokered/Wholesale:** 32.5%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 6/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.557%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,629
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,190
- **Dollar Volume:** $1.3 billion
- **Applications Received:** 4,515
- **Market Share:** 9.00%

## Typical Borrower Profile

- **Average Loan Amount:** $403,944
- **Average Borrower Income:** $210,252
- **Average Property Value:** $631,947

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 2,961 | +0.560% | $5,534 | Strong 😀 |
| Jumbo | 81/100 | 197 | +0.461% | $8,114 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,637 loans, Score: 76/100 (Strong)
- Refinance: 324 loans, Score: 64/100 (Strong)

**Jumbo:**
- Purchase: 173 loans, Score: 82/100 (Exceptional)
- Refinance: 24 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 2,842 | $1.2B | +0.548% | Strong 😀 |
| Refinance | 61/100 | 348 | $124M | +0.618% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 553 | 0.61% | 80/100 |
| OH | 498 | 0.37% | 75/100 |
| IN | 352 | 0.39% | 73/100 |
| TX | 329 | 0.09% | 67/100 |
| KY | 315 | 0.68% | 78/100 |
| IA | 138 | 0.39% | 64/100 |
| KS | 122 | 0.41% | 69/100 |
| NE | 83 | 0.39% | 63/100 |
| SD | 66 | 0.74% | 62/100 |
| OK | 61 | 0.15% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,875 | 85/100 |
| Nashville | TN | 147 | 71/100 |
| Cincinnati, OH |  | 83 | 65/100 |
| Knoxville, TN | TN | 80 | 63/100 |
| Louisville/Jefferson County, KY | KY-IN | 69 | 63/100 |
| Columbus, OH | OH | 62 | 60/100 |
| Cleveland, OH | OH | 58 | 59/100 |
| San Antonio | TX | 41 | 53/100 |
| Indianapolis | IN | 30 | 50/100 |
| Houston | TX | 29 | 46/100 |
| Clarksville, TN | TN-KY | 25 | 53/100 |
| Lake County | IN | 25 | 53/100 |
| Lexington | KY | 24 | 53/100 |
| Youngstown | OH | 24 | 52/100 |
| Memphis, TN |  | 22 | 48/100 |

## Where This Lender Ranks

Farm Credit Mid-America, ACA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Louisville/Jefferson County, KY for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥉 **#3** in Kentucky for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥉 **#3** in Kansas for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in South Dakota for Jumbo Loans
  - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Indiana for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Iowa for Jumbo Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Jackson, TN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Ohio for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#9** in Owensboro, KY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Louisville/Jefferson County, KY for Jumbo Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Elkhart Mortgage Companies
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Jonesboro, AR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Topeka, KS for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Nashville for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#16** in Elkhart for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Kansas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Morristown, TN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Bowling Green, KY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Tennessee for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#20** in Kentucky for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Farm Credit Mid-America, ACA offer?

Farm Credit Mid-America, ACA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Farm Credit Mid-America, ACA offer mortgages?

Farm Credit Mid-America, ACA offers mortgages in 24 states: AL, AR, CA, CO, HI, IA, IL, IN, KS, KY, MI, MN, MO, MS, NE, NM, NV, OH, OK, SD, TN, TX, WV, WY.

### How competitive are Farm Credit Mid-America, ACA's mortgage rates?

Farm Credit Mid-America, ACA has a pricing score of 6/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.557% above market average.

### What type of lender is Farm Credit Mid-America, ACA?

Farm Credit Mid-America, ACA is a non-depository lender that specializes in mortgage origination, headquartered in Louisville, KY.

### What is Farm Credit Mid-America, ACA's loan approval success rate?

Farm Credit Mid-America, ACA has a pull-through score of 48/100 (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/farm-credit-mid-america-aca

### How to Cite

> "Farm Credit Mid-America, ACA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/farm-credit-mid-america-aca

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