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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
2,961 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
Jumbo
197 loans · 0.46% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,842 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
Refinance
348 loans · 0.62% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 36 markets
Sound
Top 60% of lenders
3/5
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
24Full-year 2024 · HMDALoans originated
< 2020–5050–100100–500500+None
Midwest10
IAILINKSMIMNMONEOHSD
South8
ALARKYMSOKTNTXWV
West6
CACOHINMNVWY
Top Metro Areas by Place Specialization Score
Showing 10 of 35 metro areas
Top States by Place Specialization Score
Showing 10 of 17 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 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.