Lender in Texas · HMDA 2025
Farm Credit Mid-America mortgages in Texas
Farm Credit Mid-America's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Farm Credit Mid-America originated 259 owner-occupied single-family loans in Texas from 340 completed applications.
Its median conventional purchase loan costs were $11,980 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 7.125% (Texas: 6.50%).
Loans in TX
259
of 340 applications
Denial rate
22.3%
Purchase · TX 10.2%
Rate spread
+0.51 pts
Conv. · TX +0.09 pts
Loan amount
$465,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 323 | 246 | 22.3% | 7.125% | +0.51 pts | $11,980 | $465,000 |
| Refinance | 17 | 13 | — | — | — | — | — |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Farm Credit Mid-America ranks in the top 25
Showing the 30 counties where it ranks highest, of 43.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Glasscock County | 1 | 1 | 33.3% |
| Mills County | 2 | 4 | 9.3% |
| Kimble County | 2 | 3 | 12.5% |
| Culberson County | 3 | 1 | 7.7% |
| Menard County | 3 | 1 | 16.7% |
| Fayette County | 4 | 7 | 4.0% |
| Colorado County | 5 | 4 | 2.9% |
| Karnes County | 5 | 2 | 3.1% |
| Real County | 5 | 1 | 6.3% |
| Hemphill County | 6 | 1 | 5.3% |
| Knox County | 6 | 1 | 4.8% |
| Live Oak County | 7 | 3 | 4.0% |
| Leon County | 8 | 4 | 2.5% |
| Lynn County | 8 | 2 | 3.0% |
| Sherman County | 8 | 1 | 3.3% |
| Bee County | 10 | 3 | 2.0% |
| Trinity County | 10 | 2 | 1.8% |
| Red River County | 11 | 2 | 2.3% |
| Fannin County | 13 | 6 | 1.2% |
| Hopkins County | 14 | 5 | 1.3% |
| Houston County | 14 | 2 | 1.7% |
| Lavaca County | 15 | 2 | 1.4% |
| Goliad County | 16 | 1 | 1.7% |
| Washington County | 17 | 5 | 1.2% |
| Bandera County | 17 | 3 | 1.2% |
| Robertson County | 17 | 2 | 1.2% |
| Refugio County | 17 | 1 | 1.9% |
| Anderson County | 18 | 4 | 1.2% |
| Austin County | 19 | 5 | 1.4% |
| Cherokee County | 19 | 4 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology