Farm Credit Mid-America: what its borrowers actually paid (2025)
Farm Credit Mid-America reported 1,183 closed first-lien, owner-occupied home loans in 2025 under HMDA, across 143 counties in 14 states, and 1,149 in 2024. The table below shows its median rates and costs in the counties where it lent most, next to each county's all-lender median, so you can see at a glance where this lender's closed loans landed relative to the local market.
Home purchase
1,165 loans
across 142 counties with at least 5 such loans, 2025.
Refinance
18 loans
across 3 counties with at least 5 such loans, 2025.
Where Farm Credit Mid-America stands
Statewide, Farm Credit Mid-America ranks #55 of 382 lenders in Tennessee by 2025 closed loans in this dataset, purchase and refinance combined. Below, its standing in the counties where it closed the most purchase loans in 2025. Loan-count ranks include every lender that reported at least 5 loans in the county; rate and cost ranks compare only lenders with at least 30 closed purchase loans there, so a one-off low median never outranks a lender with real volume.
| County | Loans | By closed loans | By lowest median rate | By lowest median costs |
|---|---|---|---|---|
| Muskingum County, OH | 25 | #11 of 30 | under 30-loan floor | under 30-loan floor |
| LaGrange County, IN | 22 | #4 of 15 | under 30-loan floor | under 30-loan floor |
| Geauga County, OH | 22 | #12 of 34 | under 30-loan floor | under 30-loan floor |
| McMinn County, TN | 22 | #9 of 28 | under 30-loan floor | under 30-loan floor |
| Rutherford County, TN | 21 | #43 of 105 | under 30-loan floor | under 30-loan floor |
| Stark County, OH | 18 | #38 of 78 | under 30-loan floor | under 30-loan floor |
| Trumbull County, OH | 18 | #19 of 44 | under 30-loan floor | under 30-loan floor |
| Maury County, TN | 18 | #27 of 69 | under 30-loan floor | under 30-loan floor |
| Elkhart County, IN | 17 | #27 of 47 | under 30-loan floor | under 30-loan floor |
| Medina County, OH | 16 | #31 of 55 | under 30-loan floor | under 30-loan floor |
Ranks describe 2025 closed purchase loans reported under HMDA, not current pricing. "Of N" counts the lenders eligible for that ranking: every reporting lender for loan counts, lenders with 30 or more such loans for rate and cost ranks.
County by county
Each row is this lender's median among its own closed loans in that county, with the county's all-lender median beneath it for comparison. Origination is the lender's own charges (Loan Estimate section A); points is the discount-points portion. County pages link to the full local picture.
| County | Loans | Median rate | Total costs | Origination | Points | Loan amount |
|---|---|---|---|---|---|---|
| Muskingum County, OH | 25 | 7%county 6.75% | $6,628county $5,649 | $4,970 | n/a | $285,000county $215,000 |
| LaGrange County, IN | 22 | 6.625%county 6.69% | $6,173county $3,298 | $5,453 | n/a | $365,000county $265,000 |
| Geauga County, OH | 22 | 6.938%county 6.625% | $7,614county $5,851 | $5,075 | n/a | $315,000county $305,000 |
| McMinn County, TN | 22 | 7.062%county 6.5% | $8,411county $6,614 | $6,518 | n/a | $355,000county $245,000 |
| Rutherford County, TN | 21 | 7.125%county 6.375% | $13,287county $7,861 | $9,685 | $9,382 | $535,000county $385,000 |
| Stark County, OH | 18 | 6.812%county 6.625% | $5,916county $5,511 | $4,188 | n/a | $245,000county $205,000 |
| Trumbull County, OH | 18 | 7.188%county 6.628% | $6,181county $5,408 | $4,215 | n/a | $240,000county $165,000 |
| Maury County, TN | 18 | 7%county 6.375% | $9,885county $6,475 | $7,557 | n/a | $415,000county $355,000 |
| Elkhart County, IN | 17 | 6.75%county 6.75% | $6,295county $4,126 | $5,438 | n/a | $385,000county $225,000 |
| Medina County, OH | 16 | 6.812%county 6.575% | $6,721county $5,638 | $4,975 | $7,589 | $380,000county $295,000 |
| Cumberland County, TN | 16 | 7%county 6.625% | $8,856county $5,391 | $6,920 | n/a | $355,000county $245,000 |
| Roane County, TN | 16 | 6.938%county 6.5% | $8,851county $7,525 | $6,955 | n/a | $350,000county $275,000 |
| Knox County, OH | 14 | 6.625%county 6.625% | $6,707county $5,154 | $4,881 | n/a | $335,000county $245,000 |
| Licking County, OH | 14 | 6.938%county 6.625% | $7,465county $5,465 | $5,615 | n/a | $385,000county $295,000 |
| Knox County, TN | 14 | 6.812%county 6.49% | $11,216county $6,968 | $8,528 | n/a | $520,000county $335,000 |
| Blount County, TN | 13 | 7.125%county 6.5% | $9,988county $7,151 | $7,945 | n/a | $465,000county $325,000 |
| Greene County, TN | 13 | 7.125%county 6.625% | $8,721county $6,470 | $6,861 | n/a | $395,000county $235,000 |
| Loudon County, TN | 13 | 6.75%county 6.5% | $14,232county $7,136 | $11,084 | n/a | $735,000county $345,000 |
| Marshall County, TN | 13 | 7.125%county 6.374% | $9,721county $6,952 | $7,796 | n/a | $405,000county $285,000 |
| Williamson County, TN | 13 | 7.125%county 6.49% | $11,874county $6,735 | $9,480 | n/a | $765,000county $665,000 |
| Sumner County, TN | 12 | 7%county 6.375% | $9,584county $7,130 | $6,902 | n/a | $490,000county $365,000 |
| Wilson County, TN | 12 | 7.125%county 6.25% | $11,180county $6,492 | $9,115 | n/a | $545,000county $405,000 |
| Sedgwick County, KS | 11 | 7.125%county 6.5% | $9,613county $4,193 | $6,950 | n/a | $455,000county $225,000 |
| Christian County, KY | 11 | 7.125%county 6.25% | $6,227county $5,832 | $4,525 | $1,445 | $285,000county $225,000 |
| Dickson County, TN | 11 | 7.125%county 6.49% | $10,176county $7,355 | $8,200 | $25,600 | $475,000county $315,000 |
| Grainger County, TN | 11 | 7.25%county 6.625% | $9,468county $7,305 | $6,775 | n/a | $495,000county $255,000 |
| Washington County, TN | 11 | 7%county 6.5% | $7,719county $5,600 | $5,475 | n/a | $355,000county $295,000 |
| Porter County, IN | 10 | 7.062%county 6.625% | $8,327county $4,501 | $6,706 | n/a | $430,000county $285,000 |
| Oldham County, KY | 10 | 6.812%county 6.5% | $7,933county $5,329 | $5,728 | n/a | $480,000county $395,000 |
| Scott County, KY | 10 | 7.062%county 6.5% | $10,221county $5,199 | $7,875 | n/a | $620,000county $295,000 |
| Gallia County, OH | 10 | 6.938%county 6.75% | $6,886county $5,602 | $5,246 | n/a | $295,000county $175,000 |
| Morrow County, OH | 10 | 6.938%county 6.625% | $6,511county $5,745 | $5,100 | n/a | $275,000county $285,000 |
| Hawkins County, TN | 10 | 7.062%county 6.625% | $10,169county $6,669 | $7,714 | n/a | $405,000county $225,000 |
| Harrison County, IN | 9 | 7%county 6.624% | $5,409county $4,644 | $4,462 | n/a | $325,000county $235,000 |
| Shelby County, KY | 9 | 7%county 6.49% | $8,071county $5,479 | $5,900 | n/a | $525,000county $295,000 |
| Brown County, OH | 9 | 6.75%county 6.75% | $7,725county $6,119 | $6,103 | n/a | $315,000county $225,000 |
| Greene County, OH | 9 | 6.625%county 6.5% | $6,593county $4,770 | $4,750 | n/a | $455,000county $285,000 |
| Guernsey County, OH | 9 | 6.875%county 6.75% | $6,211county $5,805 | $4,452 | n/a | $255,000county $185,000 |
| Portage County, OH | 9 | 7%county 6.625% | $8,775county $5,495 | $6,325 | n/a | $395,000county $245,000 |
| Preble County, OH | 9 | 7.125%county 6.625% | $6,396county $5,337 | $4,757 | n/a | $295,000county $195,000 |
| Tuscarawas County, OH | 9 | 7.125%county 6.75% | $6,909county $5,278 | $5,825 | n/a | $405,000county $185,000 |
| Sevier County, TN | 9 | 7.125%county 6.562% | $9,966county $7,070 | $7,455 | n/a | $395,000county $325,000 |
| Montgomery County, TX | 9 | 7.125%county 6.125% | $13,348county $8,096 | $9,025 | n/a | $565,000county $295,000 |
| Daviess County, IN | 8 | 6.875%county 6.625% | $6,952county $4,017 | $5,358 | n/a | $280,000county $205,000 |
| LaPorte County, IN | 8 | 6.938%county 6.75% | $9,572county $4,463 | $7,645 | n/a | $535,000county $215,000 |
| Butler County, KS | 8 | 6.938%county 6.5% | $7,978county $4,140 | $6,100 | n/a | $400,000county $225,000 |
| Breckinridge County, KY | 8 | 7.062%county 6.625% | $6,315county $5,834 | $4,612 | n/a | $260,000county $175,000 |
| Daviess County, KY | 8 | 7.188%county 6.375% | $6,808county $4,350 | $5,146 | n/a | $280,000county $215,000 |
| Ashland County, OH | 8 | 7.188%county 6.625% | $6,037county $4,476 | $4,410 | n/a | $315,000county $195,000 |
| Carroll County, OH | 8 | 6.688%county 6.625% | $6,476county $5,616 | $5,019 | n/a | $300,000county $205,000 |
Showing the 50 counties where this lender closed the most purchase loans in 2025, out of 142 counties with at least 5 such loans.
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages, in county groups of at least 5 loans. These are medians of loans that already closed, not advertised offers, and the public file contains no credit scores. A lender whose customers skew toward larger loans, stronger credit, or paying discount points will show different medians than its neighbors at identical pricing. The methodology page documents every step.
The way to compare actual offers is the Loan Estimate: every lender must give you one within 3 business days of application, on the same standardized form, and its origination charges are binding. If you have one in hand, the checker compares it against your county's figures in your browser.
Common questions
What mortgage rates did Farm Credit Mid-America borrowers get in 2025?
Across the counties where Farm Credit Mid-America closed the most home-purchase loans in 2025, its county median rates ran from 6.625% to 7.25%. Each figure is a median of closed loans reported under HMDA, not an advertised offer, and the table on this page shows each county next to its all-lender benchmark.
Can I get these rates from Farm Credit Mid-America today?
Not from this page. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. To learn your own number, apply and get a Loan Estimate, which federal rules require within 3 business days and make close to free.
Why might Farm Credit Mid-America's medians differ from the county median?
Partly pricing, partly customer mix. The public HMDA file contains no credit scores, so a lender serving stronger-credit borrowers, larger loans, or borrowers who paid points will show different medians than its neighbors at identical pricing.
Where does this data come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in county groups of at least 5.