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 score and performance metrics.

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 an overall pricing score of 6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Farm Credit Mid-America, ACA is a Independent Mortgage Company headquartered in Louisville, KY.

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Farm Credit Mid-America, ACA

Independent Mortgage Company•Louisville, KY•Direct to Consumer

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 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

Conventional · Jumbo

Place

Sound

Multi-Region · 35 mkts

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Safe Rate's 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)

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Report Card

Farm Credit Mid-America, ACA performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +55.7 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional36 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Strong	Mediocre	Sound	2,961	92.8%	+0.560%Above	$5,534Fees
Jumbo Loans	Acceptable	Exceptional	Mediocre	Sound	197	6.2%	+0.461%Above	$8,114Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Strong	Mediocre	Sound	2,842	89.1%	+0.548%Above	$5,780Fees
Refinance	Acceptable	Strong	Mediocre	Sound	348	10.9%	+0.618%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARCACOHIIAILINKSKYMIMNMOMSNENMNVOHOKSDTNTXWVWY

Top Metro Areas by Place Specialization Score

Nashville, TNMSA

Volume: 147Mix: 4.61%of portfolio

Place

Strong

Cincinnati, OHMSA

Volume: 83Mix: 2.60%of portfolio

Place

Strong

Louisville/Jefferson County, KY, KY-INMSA

Volume: 69Mix: 2.16%of portfolio

Place

Strong

Knoxville, TN, TNMSA

Volume: 80Mix: 2.51%of portfolio

Place

Strong

Columbus, OH, OHMSA

Volume: 62Mix: 1.94%of portfolio

Place

Strong

Cleveland, OH, OHMSA

Volume: 58Mix: 1.82%of portfolio

Place

Sound

Morristown, TN, TNMSA

Volume: 19Mix: 0.60%of portfolio

Place

Sound

Lake County, INMSA

Volume: 25Mix: 0.78%of portfolio

Place

Sound

San Antonio, TXMSA

Volume: 41Mix: 1.29%of portfolio

Place

Sound

Lexington, KYMSA

Volume: 24Mix: 0.75%of portfolio

Place

Sound

Showing 10 of 35 metro areas

Top States by Place Specialization Score

TNState

Volume: 553Mix: 17.34%of portfolio

Place

Exceptional

KYState

Volume: 315Mix: 9.87%of portfolio

Place

Strong

OHState

Volume: 498Mix: 15.61%of portfolio

Place

Strong

INState

Volume: 352Mix: 11.03%of portfolio

Place

Strong

KSState

Volume: 122Mix: 3.82%of portfolio

Place

Strong

TXState

Volume: 329Mix: 10.31%of portfolio

Place

Strong

IAState

Volume: 138Mix: 4.33%of portfolio

Place

Strong

NEState

Volume: 83Mix: 2.60%of portfolio

Place

Strong

SDState

Volume: 66Mix: 2.07%of portfolio

Place

Strong

OKState

Volume: 61Mix: 1.91%of portfolio

Place

Sound

Showing 10 of 17 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.