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 score and performance metrics.

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 an overall pricing score of 13.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Farm Credit of the Virginias, ACA is a Independent Mortgage Company headquartered in Staunton, VA.

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Farm Credit of the Virginias, ACA

Independent Mortgage Company•Staunton, VAHQ•Direct•Reviews near you on Google

Farm Credit of the Virginias, ACA has 107 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 164 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Farm Credit of the Virginias, ACA performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+163.9 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

103 loans · 1.64% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

89 loans · 1.63% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

18 loans · 1.69% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Acceptable	Acceptable	Mediocre	Acceptable	103	96.3%	+1.642%Above	$1,453Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume103

Mix96.3%

Spread

+1.642%Above

Fees

$1,453Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	89	83.2%	+1.629%Above	$1,444Fees
Refinance	Acceptable	Acceptable	—	Acceptable	18	16.8%	+1.691%Above	$1,811Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume89

Mix83.2%

Spread

+1.629%Above

Fees

$1,444Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume18

Mix16.8%

Spread

+1.691%Above

Fees

$1,811Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

107

Applications

177

Volume

$33 million

Pricing & Closing

Avg Rate Spread

+1.639%

vs. market APOR

Avg Net Fees

$1,505

Origination − Credits

Pullthrough Rate

60.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$317,150

Avg Borrower Income

$206,916

Avg Property Value

$612,383

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 1010+None

South3

MDVAWV

Top Metro Areas by Place Specialization Score

Charlottesville, VAMetro

Volume 13Mix 12.15% of portfolio

52/100

Sound

Arlington, VA-WVMetro

Volume 10Mix 9.35% of portfolio

44/100

Sound

Top States by Place Specialization Score

VirginiaState

Volume 88Mix 82.24% of portfolio

70/100

Strong

West VirginiaState

Volume 14Mix 13.08% of portfolio

50/100

Sound

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.