Farm Credit Mid-America: 2025 mortgage rates, costs & approvals
How Farm Credit Mid-America priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Farm Credit Mid-America · LEI 5493006JISETNI0GLE61
In 2025, Farm Credit Mid-America originated 2,565 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 23 states — 227th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 7.125% (all lenders: 6.625%); its median rate spread was 37 basis points above the national median. Median conventional loan costs were $8,150, 46% higher than the national median ($5,570).
It denied 14.4% of completed home-purchase applications (all lenders: 8.5%).
How Farm Credit Mid-America priced home-purchase loans
| Purchase loans, 2025 | Farm Credit Mid-America | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 7.125% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 6.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.51 pts | +0.13 pts |
| Total loan costs · conventional | $8,150 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $6,270 | $1,860 |
| Borrowers paying discount points | 0.5% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 0.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Farm Credit Mid-America denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Farm Credit Mid-America lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Tennessee | 532 | 627 | 12.5% | 7.000% | $9,380 |
| Ohio | 478 | 566 | 12.9% | 7.000% | $6,770 |
| Indiana | 314 | 345 | 6.8% | 7.000% | $6,670 |
| Kentucky | 305 | 357 | 12.5% | 7.000% | $7,220 |
| Texas | 259 | 340 | 22.3% | 7.125% | $11,980 |
| Kansas | 137 | 159 | 10.4% | 7.125% | $7,930 |
| Nebraska | 114 | 142 | 11.8% | 7.125% | $6,930 |
| Iowa | 107 | 150 | 27.3% | 7.125% | $6,580 |
| South Dakota | 74 | 92 | 14.3% | 7.125% | $7,130 |
| Oklahoma | 52 | 74 | 22.2% | — | $8,660 |
| Colorado | 47 | 62 | 20.4% | — | $9,440 |
| Illinois | 46 | 50 | 2.3% | — | $5,500 |
| California | 21 | 39 | 26.5% | — | — |
| Arkansas | 20 | 24 | — | — | — |
| Minnesota | 18 | 21 | 10.0% | — | — |
| New Mexico | 13 | 16 | — | — | — |
| Wyoming | 8 | 12 | — | — | — |
| Missouri | 8 | 11 | — | — | — |
| North Dakota | 8 | 9 | — | — | — |
| Nevada | 2 | 5 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| Wisconsin | 1 | 1 | — | — | — |
| Pennsylvania | 0 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Farm Credit Mid-America's page for that state.
Counties where Farm Credit Mid-America is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Banner County, NE | 1 | 1 | 50.0% |
| Glasscock County, TX | 1 | 1 | 33.3% |
| Greeley County, NE | 1 | 3 | 23.1% |
| Wichita County, KS | 1 | 2 | 20.0% |
| Comanche County, KS | 2 | 1 | 20.0% |
| Menard County, TX | 3 | 1 | 16.7% |
| Lane County, KS | 3 | 1 | 14.3% |
| Spink County, SD | 2 | 3 | 12.5% |
| Kimble County, TX | 2 | 3 | 12.5% |
| Edmunds County, SD | 4 | 2 | 9.5% |
| Perkins County, NE | 3 | 3 | 9.4% |
| Mills County, TX | 2 | 4 | 9.3% |
| Washington County, KS | 2 | 3 | 9.1% |
| Stafford County, KS | 1 | 2 | 9.1% |
| Sanborn County, SD | 4 | 1 | 9.1% |
Check Farm Credit Mid-America yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493006JISETNI0GLE61.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Farm Credit Mid-America with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology