Ag Credit Agricultural Credit Association at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
74th4.9% deniedPricingmedian rate spread over APOR, weight 30%
51st0.26 ptsProcesswithdrawn + incomplete share, weight 15%
91st1.5%Closing coststotal loan costs ÷ loan amount, weight 10%
73rd1.33% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 255 | 232 | 9.0% | 9.0% | 7.05% | $46M |
| 2024 | 253 | 219 | 7.5% | 8.0% | 6.81% | $53M |
| 2025 | 271 | 254 | 4.8% | 4.9% | 6.79% | $63M |
What Ag Credit Agricultural Credit Association lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 0 investment properties.
Why Ag Credit Agricultural Credit Association denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Ag Credit Agricultural Credit Association
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 85 | 79 | 6.0% |
| $100k – $150k | 78 | 75 | 3.9% |
| $150k – $250k | 80 | 76 | 3.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 45 | 43 | 2.3% |
| 25–34 | 92 | 86 | 4.4% |
| 35–44 | 68 | 63 | 7.4% |
| 45–54 | 34 | 32 | 5.9% |
Where Ag Credit Agricultural Credit Association lends
2 states and 32 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 268 | 251 | 4.9% | 6.80% | #199 |
Frequently asked questions
Ag Credit Agricultural Credit Association denied 4.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 74th percentile of small mortgage lenders.
The most common reason Ag Credit Agricultural Credit Association gave in 2025 was "debt-to-income ratio", cited on 76.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Ag Credit Agricultural Credit Association originated in 2025 was 6.79%, and its median rate spread over the average prime offer rate was 0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 73% of its applications were for home purchases, 27% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.