# Farm Credit of the Virginias, ACA

> **Canonical URL:** https://saferate.com/lenders/farm-credit-of-the-virginias-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 of the Virginias, ACA is a independent mortgage company, headquartered in Staunton, VA, serving borrowers across 3 states, with 107 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493002RKLPCGAVLNC16
- **Headquarters:** Staunton, VA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MD, VA, WV
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.639%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,505
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 107
- **Dollar Volume:** $34 million
- **Applications Received:** 177
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $317,150
- **Average Borrower Income:** $206,916
- **Average Property Value:** $612,383

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 103 | +1.642% | $1,453 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 85 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 89 | $30M | +1.629% | Acceptable 🙂 |
| Refinance | 27/100 | 18 | $4M | +1.691% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 88 | 0.08% | 70/100 |
| WV | 14 | 0.09% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 48 | 50/100 |
| Charlottesville, VA | VA | 13 | 52/100 |
| Arlington | VA-WV | 10 | 44/100 |

## Frequently Asked Questions

### What loan types does Farm Credit of the Virginias, ACA offer?

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

### Where does Farm Credit of the Virginias, ACA offer mortgages?

Farm Credit of the Virginias, ACA offers mortgages in 3 states: MD, VA, WV.

### How competitive are Farm Credit of the Virginias, ACA's mortgage rates?

Farm Credit of the Virginias, ACA has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.639% above market average.

### What type of lender is Farm Credit of the Virginias, ACA?

Farm Credit of the Virginias, ACA is a non-depository lender that specializes in mortgage origination, headquartered in Staunton, VA.

### What is Farm Credit of the Virginias, ACA's loan approval success rate?

Farm Credit of the Virginias, ACA has a pull-through score of 28/100 (Acceptable). 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-of-the-virginias-aca

### How to Cite

> "Farm Credit of the Virginias, ACA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/farm-credit-of-the-virginias-aca

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