Farm Credit Mid-America, ACA
We analyzed every closed loan from Farm Credit Mid-America, ACA — 3.2k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 35 mkts
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Rates typically 56 basis points above market average
- Higher than average fees ($5,629)
Explore another lender or local market
Report Card
Farm Credit Mid-America, ACA performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+55.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 36 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,961 | 92.8% | +0.560%Above | $5,534Fees | ||||
Jumbo Loans | 197 | 6.2% | +0.461%Above | $8,114Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume2,961
Mix92.8%
Spread
+0.560%Above
Fees
$5,534Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume197
Mix6.2%
Spread
+0.461%Above
Fees
$8,114Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,842 | 89.1% | +0.548%Above | $5,780Fees | ||||
Refinance | 348 | 10.9% | +0.618%Above | $4,592Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume2,842
Mix89.1%
Spread
+0.548%Above
Fees
$5,780Fees
Refinance
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume348
Mix10.9%
Spread
+0.618%Above
Fees
$4,592Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,190
Applications
4,515
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.557%
vs. market APOR
Avg Net Fees
$5,629
Origination − Credits
Pullthrough Rate
70.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$403,944
Avg Borrower Income
$210,252
Avg Property Value
$631,947
Geographic Coverage
Geographic Performance
Metro Areas
35
markets with activity
States Served
24
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
24Midwest10
IAILINKSMIMNMONEOHSD
South8
ALARKYMSOKTNTXWV
West6
CACOHINMNVWY
Top Metro Areas by Place Specialization Score
Volume 147Mix 4.61% of portfolio
71/100
Strong
Volume 83Mix 2.60% of portfolio
65/100
Strong
Volume 69Mix 2.16% of portfolio
63/100
Strong
Volume 80Mix 2.51% of portfolio
63/100
Strong
Volume 62Mix 1.94% of portfolio
60/100
Strong
Volume 58Mix 1.82% of portfolio
59/100
Sound
Volume 19Mix 0.60% of portfolio
56/100
Sound
Volume 25Mix 0.78% of portfolio
53/100
Sound
Volume 41Mix 1.29% of portfolio
53/100
Sound
Volume 24Mix 0.75% of portfolio
53/100
SoundShowing 10 of 35 metro areas
Top States by Place Specialization Score
1
TennesseeState
Volume 553Mix 17.34% of portfolio
80/100
Exceptional2
KentuckyState
Volume 315Mix 9.87% of portfolio
78/100
Strong3
OhioState
Volume 498Mix 15.61% of portfolio
75/100
Strong4
IndianaState
Volume 352Mix 11.03% of portfolio
73/100
Strong5
KansasState
Volume 122Mix 3.82% of portfolio
69/100
Strong6
TexasState
Volume 329Mix 10.31% of portfolio
67/100
Strong7
IowaState
Volume 138Mix 4.33% of portfolio
64/100
Strong8
NebraskaState
Volume 83Mix 2.60% of portfolio
63/100
Strong9
South DakotaState
Volume 66Mix 2.07% of portfolio
62/100
Strong10
OklahomaState
Volume 61Mix 1.91% of portfolio
57/100
SoundShowing 10 of 17 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Farm Credit Mid-America, ACA?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.