Farm Credit of the Virginias, ACA: 2025 mortgage rates, costs & approvals
How Farm Credit of the Virginias, ACA priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Farm Credit of the Virginias, ACA · LEI 5493002RKLPCGAVLNC16
In 2025, Farm Credit of the Virginias, ACA originated 122 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 1661st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 7.875% (all lenders: 6.625%); its median rate spread was 120 basis points above the national median. Median conventional loan costs were $1,790, 68% lower than the national median ($5,570).
It denied 21.5% of completed home-purchase applications (all lenders: 8.5%).
How Farm Credit of the Virginias, ACA priced home-purchase loans
| Purchase loans, 2025 | Farm Credit of the Virginias, ACA | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 7.875% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +1.33 pts | +0.13 pts |
| Total loan costs · conventional | $1,790 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,000 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 20.4% | 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 of the Virginias, ACA denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Farm Credit of the Virginias, ACA lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Virginia | 101 | 140 | 22.6% | 7.870% | $1,620 |
| West Virginia | 15 | 21 | — | — | — |
| Maryland | 5 | 5 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| Tennessee | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Farm Credit of the Virginias, ACA's page for that state.
Counties where Farm Credit of the Virginias, ACA is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Highland County, VA | 3 | 2 | 12.5% |
| Floyd County, VA | 6 | 5 | 3.3% |
| Grant County, WV | 8 | 3 | 3.3% |
| Halifax County, VA | 6 | 8 | 2.8% |
| Bland County, VA | 10 | 1 | 2.6% |
| Rappahannock County, VA | 9 | 2 | 2.4% |
| Russell County, VA | 11 | 3 | 1.8% |
| Madison County, VA | 15 | 3 | 1.6% |
| Hardy County, WV | 12 | 2 | 1.5% |
| Scott County, VA | 15 | 2 | 1.4% |
| Mason County, WV | 16 | 2 | 1.2% |
| Garrett County, MD | 15 | 3 | 1.2% |
| Washington County, VA | 17 | 6 | 1.1% |
| Greene County, VA | 16 | 4 | 1.1% |
| Rockbridge County, VA | 23 | 2 | 0.8% |
Check Farm Credit of the Virginias, ACA yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493002RKLPCGAVLNC16.
- 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 of the Virginias, ACA 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