First South Farm Credit, ACA
First South Farm Credit, ACA received 136 applications in 2025 and made 109 mortgages, in 73 counties across 4 states. The median rate its borrowers got was 7.590% on a median loan of $215,000. Of 119 decisions, 10 were denials — 8.4%, most often for credit history.
| Legal Entity Identifier | 549300W76QLF060CER73 |
|---|---|
| Applications received | 136 |
| Mortgages made | 109 |
| Denied | 10 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.397 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 | 44 | 7.680% | $225,000 | 12.0% |
| Refinancing | 55 | 7.500% | $225,000 | 5.2% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 12.5% |
Where First South Farm Credit, 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 |
|---|---|---|---|
| Dale County, AL | 8 | Under 10 loans | 0.0% |
| Lee County, AL | 7 | Under 10 loans | 0.0% |
| Houston County, AL | 5 | Under 10 loans | 0.0% |
| Autauga County, AL | 3 | Under 10 loans | 0.0% |
| DeKalb County, AL | 3 | Under 10 loans | 0.0% |
| Etowah County, AL | 3 | Under 10 loans | 0.0% |
| Lawrence County, AL | 3 | Under 10 loans | 25.0% |
| Tuscaloosa County, AL | 3 | Under 10 loans | 0.0% |
| Pearl River County, MS | 3 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Barbour County, AL | 2 | Under 10 loans | 0.0% |
| Blount County, AL | 2 | Under 10 loans | 0.0% |
| Butler County, AL | 2 | Under 10 loans | 0.0% |
| Calhoun County, AL | 2 | Under 10 loans | 0.0% |
| Coffee County, AL | 2 | Under 10 loans | 50.0% |
| Covington County, AL | 2 | Under 10 loans | 33.3% |
| Cullman County, AL | 2 | Under 10 loans | 33.3% |
| Jefferson County, AL | 2 | Under 10 loans | 0.0% |
| Marshall County, AL | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 2 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 2 | Under 10 loans | 33.3% |
| East Carroll Parish, LA | 2 | Under 10 loans | 0.0% |
| Chambers County, AL | 1 | Under 10 loans | 50.0% |
| Cherokee County, AL | 1 | Under 10 loans | 0.0% |
| Choctaw County, AL | 1 | Under 10 loans | 50.0% |
| Clay County, AL | 1 | Under 10 loans | 0.0% |
| Conecuh County, AL | 1 | Under 10 loans | 0.0% |
| Elmore County, AL | 1 | Under 10 loans | 0.0% |
| Fayette County, AL | 1 | Under 10 loans | 0.0% |
| Hale County, AL | 1 | Under 10 loans | 0.0% |
| Henry County, AL | 1 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Limestone County, AL | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Marengo County, AL | 1 | Under 10 loans | 0.0% |
| Monroe County, AL | 1 | Under 10 loans | 0.0% |
| Morgan County, AL | 1 | Under 10 loans | 66.7% |
| Russell County, AL | 1 | Under 10 loans | 0.0% |
| Walker County, AL | 1 | Under 10 loans | 0.0% |
| Washington County, AL | 1 | Under 10 loans | 0.0% |
| Wilcox County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Calcasieu Parish, LA | 1 | Under 10 loans | 0.0% |
| East Feliciana Parish, LA | 1 | Under 10 loans | 0.0% |
| Franklin Parish, LA | 1 | Under 10 loans | 0.0% |
| Natchitoches Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Helena Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Landry Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Tammany Parish, LA | 1 | Under 10 loans | 0.0% |
| Vernon Parish, LA | 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.