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Farm Credit Mid-America, ACA
Independent Mortgage Company|Louisville, KY|Multi-Region
Loans Originated
3,190
Applications
4,515
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.557%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,629
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.7%
Percentage of applications that result in closed loans
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)
Report Card
Farm Credit Mid-America, ACA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 36 metro areas · 24 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$403,944
Average Borrower Income
$210,252
Average Property Value
$631,947
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% | $5,534 |
Jumbo Loans | Acceptable | Exceptional | Mediocre | Sound | 197 | 6.2% | +0.461% | $8,114 |
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% | $5,780 |
Refinance | Acceptable | Strong | Mediocre | Sound | 348 | 10.9% | +0.618% | $4,592 |
Geographic Coverage
Metro Areas
35
States Served
24
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 147Mix: 4.61%
Place Specialization
Strong
2
Cincinnati, OHMSA
Volume: 83Mix: 2.60%
Place Specialization
Strong
3
Louisville/Jefferson County, KY, KY-INMSA
Volume: 69Mix: 2.16%
Place Specialization
Strong
4
Knoxville, TN, TNMSA
Volume: 80Mix: 2.51%
Place Specialization
Strong
5
Columbus, OH, OHMSA
Volume: 62Mix: 1.94%
Place Specialization
Strong
6
Cleveland, OH, OHMSA
Volume: 58Mix: 1.82%
Place Specialization
Sound
7
Morristown, TN, TNMSA
Volume: 19Mix: 0.60%
Place Specialization
Sound
8
Lake County, INMSA
Volume: 25Mix: 0.78%
Place Specialization
Sound
9
San Antonio, TXMSA
Volume: 41Mix: 1.29%
Place Specialization
Sound
10
Lexington, KYMSA
Volume: 24Mix: 0.75%
Place Specialization
Sound
Showing 10 of 35 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 553Mix: 17.34%
Place Specialization
Exceptional
2
KYState
Volume: 315Mix: 9.87%
Place Specialization
Strong
3
OHState
Volume: 498Mix: 15.61%
Place Specialization
Strong
4
INState
Volume: 352Mix: 11.03%
Place Specialization
Strong
5
KSState
Volume: 122Mix: 3.82%
Place Specialization
Strong
6
TXState
Volume: 329Mix: 10.31%
Place Specialization
Strong
7
IAState
Volume: 138Mix: 4.33%
Place Specialization
Strong
8
NEState
Volume: 83Mix: 2.60%
Place Specialization
Strong
9
SDState
Volume: 66Mix: 2.07%
Place Specialization
Strong
10
OKState
Volume: 61Mix: 1.91%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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