Farm Credit Mid-America in Texas vs the state
15.4%Denial rate-4.00 pts vs state
20.9%Decision denial rate-3.96 pts vs state
56.6%Origination rate+1.74 pts vs state
7.13%Median rate+0.63 pts vs state
0.52Rate spread (pts)+0.33 pts vs state
$213kMedian applicant income
312Loans originated
85Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 373 | 213 | 24.7% | 7.00% | #295 |
| 2024 | 532 | 344 | 16.7% | 7.13% | #248 |
| 2025 | 551 | 312 | 15.4% | 7.13% | #248 |
What Farm Credit Mid-America lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Farm Credit Mid-America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 20 | 11 | 2 | 10.0% |
| Washington County | 15 | 9 | 2 | 13.3% |
| Fannin County | 14 | 6 | 1 | 7.1% |
| Henderson County | 12 | 10 | 2 | 16.7% |
| Lubbock County | 12 | 5 | 3 | 25.0% |
| Cherokee County | 12 | 9 | 1 | 8.3% |
| Anderson County | 12 | 6 | 2 | 16.7% |
| Hays County | 11 | 5 | 2 | 18.2% |
| Grayson County | 11 | 6 | 3 | 27.3% |
| Fayette County | 11 | 8 | 1 | 9.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 551 applications in 2025, of which 312 were originated and 85 denied.
15.4% of all applications, or 20.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Farm Credit Mid-America originated in Texas in 2025 was 7.13%, against a statewide median of 6.50%.
About this data. Figures are Farm Credit Mid-America's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology