Farm Credit Mid-America, ACA mortgage approval rate & lending review
Farm Credit Mid-America, ACA decided 2,830 mortgage applications and funded 2,292 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Farm Credit Mid-America, ACA reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Farm Credit Mid-America, ACA at a glance
Approval is 0.5 points below the 84.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 1,791 / 2,132 | 97% | $405K | 1,742 |
| Home improvement loans | 87% | 160 / 183 | 98% | $115K | 156 |
| Refinance | 76% | 250 / 327 | 96% | $275K | 240 |
| Investment property purchase | 94% | 146 / 155 | 86% | $235K | 126 |
Farm Credit Mid-America, ACA lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 87% | $345K | 796 | 665 |
| Tennessee | 86% | $445K | 711 | 584 |
| Indiana | 88% | $335K | 416 | 356 |
| Texas | 71% | $465K | 309 | 212 |
| Kentucky | 84% | $375K | 179 | 147 |
| Kansas | 91% | $455K | 68 | 61 |
| Iowa | 68% | $415K | 57 | 39 |
| Colorado | 76% | $555K | 51 | 38 |
| Nebraska | 84% | $425K | 43 | 35 |
| Illinois | 88% | $255K | 42 | 36 |
| California | 85% | $955K | 39 | 27 |
| South Dakota | 70% | $475K | 30 | 19 |
| Arkansas | 92% | $325K | 24 | 22 |
| Oklahoma | 76% | $415K | 21 | 15 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Farm Credit Mid-America, ACA lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maury County, TN | Mortgage lenders | 89% | 76 | 67 |
| Rutherford County, TN | Mortgage lenders | 91% | 70 | 61 |
| Wilson County, TN | Mortgage lenders | 91% | 67 | 61 |
| Knox County, TN | Mortgage lenders | 93% | 60 | 55 |
| Elkhart County, IN | Mortgage lenders | 93% | 58 | 53 |
| Trumbull County, OH | Mortgage lenders | 86% | 63 | 52 |
| Medina County, OH | Mortgage lenders | 96% | 48 | 45 |
| Sumner County, TN | Mortgage lenders | 79% | 56 | 42 |
| Licking County, OH | Mortgage lenders | 87% | 46 | 39 |
| Stark County, OH | Mortgage lenders | 86% | 44 | 38 |
| Williamson County, TN | Mortgage lenders | 88% | 40 | 34 |
| Daviess County, KY | Mortgage lenders | 82% | 40 | 33 |
The county markets where Farm Credit Mid-America, ACA made the most loans. Each link opens that market with every lender ranked.
Questions about Farm Credit Mid-America, ACA
What is Farm Credit Mid-America, ACA's mortgage approval rate?
Farm Credit Mid-America, ACA approved 84.0% of the 2,830 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.5 points below the 84.4% national rate for the same mix of loan types.
How often do borrowers take the loan Farm Credit Mid-America, ACA offers?
Borrowers accepted 96% of the loans Farm Credit Mid-America, ACA approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Farm Credit Mid-America, ACA make?
The typical home purchase mortgage loan Farm Credit Mid-America, ACA made was $405K; across all loan types its typical loan ran from $115K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Farm Credit Mid-America, ACA lend?
Farm Credit Mid-America, ACA decided applications in 24 of the states Fat Boy Data covers, most of them in Ohio, Tennessee and Indiana.
Can I apply to Farm Credit Mid-America, ACA directly?
Yes. Farm Credit Mid-America, ACA reports as a direct lender that takes applications from borrowers.
Does this page show Farm Credit Mid-America, ACA's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Farm Credit Mid-America, ACA treats applications, then get a rate quote from the lender.