Farm Credit Mid-America in California vs the state
21.2%Denial rate+3.79 pts vs state
26.4%Decision denial rate+4.02 pts vs state
47.0%Origination rate-9.23 pts vs state
7.13%Median rate+0.50 pts vs state
0.64Rate spread (pts)+0.37 pts vs state
$222kMedian applicant income
31Loans originated
14Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 16 | 10 | 6.3% | 7.25% | #657 |
| 2025 | 66 | 31 | 21.2% | 7.13% | #494 |
What Farm Credit Mid-America lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Farm Credit Mid-America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Joaquin County | 11 | 7 | 2 | 18.2% |
| Mendocino County | 10 | 5 | 3 | 30.0% |
| Humboldt County | 9 | 3 | 1 | 11.1% |
| Sonoma County | 5 | 3 | 2 | 40.0% |
| Lake County | 4 | 2 | 0 | 0.0% |
| Tuolumne County | 4 | 1 | 1 | 25.0% |
| Amador County | 3 | 2 | 1 | 33.3% |
| Alameda County | 2 | 0 | 0 | 0.0% |
| San Diego County | 2 | 1 | 0 | 0.0% |
| Calaveras County | 2 | 0 | 2 | 100.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 66 applications in 2025, of which 31 were originated and 14 denied.
21.2% of all applications, or 26.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Farm Credit Mid-America originated in California in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Farm Credit Mid-America's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology