Farm Credit of the Virginias, ACA
Farm Credit of the Virginias, ACA received 301 applications in 2025 and made 168 mortgages, in 69 counties across 6 states. The median rate its borrowers got was 7.960% on a median loan of $255,000. Of 235 decisions, 63 were denials — 26.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493002RKLPCGAVLNC16 |
|---|---|
| Applications received | 301 |
| Mortgages made | 168 |
| Denied | 63 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 66 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.382 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 137 | 7.950% | $275,000 | 25.0% |
| Refinancing | 29 | 8.000% | $195,000 | 35.6% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where Farm Credit of the Virginias, ACA lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Augusta County, VA | 16 | 7.983% | 15.8% |
| Washington County, VA | 11 | 8.070% | 31.3% |
| Halifax County, VA | 8 | Under 10 loans | 11.1% |
| Albemarle County, VA | 6 | Under 10 loans | 0.0% |
| Culpeper County, VA | 6 | Under 10 loans | 14.3% |
| Loudoun County, VA | 6 | Under 10 loans | 0.0% |
| Pittsylvania County, VA | 6 | Under 10 loans | 33.3% |
| Rockingham County, VA | 6 | Under 10 loans | 40.0% |
| Scott County, VA | 6 | Under 10 loans | 0.0% |
| Garrett County, MD | 5 | Under 10 loans | 28.6% |
| Floyd County, VA | 5 | Under 10 loans | 0.0% |
| Wythe County, VA | 5 | Under 10 loans | 16.7% |
| Bedford County, VA | 4 | Under 10 loans | 50.0% |
| Greene County, VA | 4 | Under 10 loans | 20.0% |
| Montgomery County, VA | 4 | Under 10 loans | 0.0% |
| Rappahannock County, VA | 4 | Under 10 loans | 0.0% |
| Hardy County, WV | 4 | Under 10 loans | 20.0% |
| Jackson County, WV | 4 | Under 10 loans | 20.0% |
| Madison County, VA | 3 | Under 10 loans | 0.0% |
| Orange County, VA | 3 | Under 10 loans | 44.4% |
| Roanoke County, VA | 3 | Under 10 loans | 25.0% |
| Russell County, VA | 3 | Under 10 loans | 0.0% |
| Grant County, WV | 3 | Under 10 loans | 0.0% |
| Allegany County, MD | 2 | Under 10 loans | 0.0% |
| Bland County, VA | 2 | Under 10 loans | 0.0% |
| Botetourt County, VA | 2 | Under 10 loans | 0.0% |
| Fauquier County, VA | 2 | Under 10 loans | 60.0% |
| Franklin County, VA | 2 | Under 10 loans | 66.7% |
| Grayson County, VA | 2 | Under 10 loans | 33.3% |
| Highland County, VA | 2 | Under 10 loans | 0.0% |
| Prince William County, VA | 2 | Under 10 loans | 0.0% |
| Pulaski County, VA | 2 | Under 10 loans | 33.3% |
| Rockbridge County, VA | 2 | Under 10 loans | 33.3% |
| Shenandoah County, VA | 2 | Under 10 loans | 0.0% |
| Smyth County, VA | 2 | Under 10 loans | 60.0% |
| Hampshire County, WV | 2 | Under 10 loans | 33.3% |
| Mason County, WV | 2 | Under 10 loans | 0.0% |
| Monongalia County, WV | 2 | Under 10 loans | 0.0% |
| Preston County, WV | 2 | Under 10 loans | 0.0% |
| Caswell County, NC | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Alleghany County, VA | 1 | Under 10 loans | 50.0% |
| Henry County, VA | 1 | Under 10 loans | 66.7% |
| King William County, VA | 1 | Under 10 loans | 0.0% |
| Lee County, VA | 1 | Under 10 loans | 0.0% |
| Wise County, VA | 1 | Under 10 loans | 0.0% |
| Barbour County, WV | 1 | Under 10 loans | 0.0% |
| Greenbrier County, WV | 1 | Under 10 loans | 50.0% |
| Harrison County, WV | 1 | Under 10 loans | 0.0% |
| Kanawha County, WV | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.