What loan types does First South Farm Credit, ACA offer?

First South Farm Credit, ACA offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First South Farm Credit, ACA offer mortgages?

First South Farm Credit, ACA offers mortgages in 3 states: AL, LA, MS.

How competitive are First South Farm Credit, ACA's mortgage rates?

First South Farm Credit, ACA has an overall pricing score of 10.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First South Farm Credit, ACA?

First South Farm Credit, ACA is a Independent Mortgage Company headquartered in Ridgeland, MS.

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First South Farm Credit, ACA

Independent Mortgage Company•Ridgeland, MSHQ•Direct•Reviews near you on Google

First South Farm Credit, ACA has 47 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

Active

Regional

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 144 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

First South Farm Credit, ACA performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+144.2 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

44 loans · 1.45% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

10 loans · 1.58% above market

Mediocre

Bottom 20% of lenders

1/5

Refinance

37 loans · 1.40% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Acceptable

Bottom 40% of lenders

2/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Acceptable	44	93.6%	+1.454%Above	$1,201Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume44

Mix93.6%

Spread

+1.454%Above

Fees

$1,201Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	10	21.3%	+1.583%Above	$2,376Fees
Refinance	Acceptable	Sound	Mediocre	Strong	37	78.7%	+1.402%Above	$853Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume10

Mix21.3%

Spread

+1.583%Above

Fees

$2,376Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume37

Mix78.7%

Spread

+1.402%Above

Fees

$853Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$13 million

Pricing & Closing

Avg Rate Spread

+1.442%

vs. market APOR

Avg Net Fees

$1,192

Origination − Credits

Pullthrough Rate

69.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$279,043

Avg Borrower Income

$318,234

Avg Property Value

$601,170

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

All statesNone

South3

ALLAMS

Top States by Place Specialization Score

AlabamaState

Volume 40Mix 85.11% of portfolio

64/100

Strong

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.