Applications / Mortgage Analytics / Lenders / Ohio / AG Credit Agricultural Credit Association
Fostoria, OH · Independent non-bank lender · CFPB · 254 loans in 2025
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254
loans originated, 2025
271
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AG Credit Agricultural Credit Association, a non-bank lender based in Fostoria, Ohio, makes only conventional home loans, chiefly in Ohio, and grew 16% in 2025 while similar lenders stood still.
Every loan it made was conventional; it made none backed by the government, while similar lenders, independent non-bank lenders making between half and twice as many loans, typically had 17.5% FHA loans (insured by the Federal Housing Administration). Purchases were 74.8% of its loans and refinances the rest. Its typical loan, $225,000, was smaller than the $335,000 typical of its peers. Its largest market is non-metro Ohio, where it ranked 39 of 592 lenders.
Its loans rose 16% to 254, against no change at similar lenders and growth of 10% in the whole market. That was faster than more than two-thirds of its peers. It remains below the 428 loans it made in 2020; the count fell each year to 219 in 2024 before this rise.
It has lent in its Ohio markets since 2009, when it first reported. In Lima its share rose from 0.3% to 0.8%, ranking it 25 of 154 lenders; Superior Credit Union leads there. In Sandusky its share edged up to 0.5%. Elsewhere, in Cleveland and Toledo, its share held steady.
It turned down 2.6% of decided home-purchase applications, against 3.5% at similar lenders, near the middle of its peers. Refinance applications were too few for a rate.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AG Credit Agricultural Credit Association took 271 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.8% · Refinance 25.2%
Conventional 100.0% · of 254 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 251 | 98.8% |
| Indiana | 3 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 17 |
| Toledo | 16 |
| Columbus | 13 |
| Sandusky | 12 |
| Lima | 6 |
| Fort Wayne | 1 |
| Mansfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BRCCRMIPW8R563 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3696105 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7341691741 |
Established 1 January 2008. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: AG Credit Agricultural Credit Association's data.
AG Credit Agricultural Credit Association's data
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AG Credit Agricultural Credit Association and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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