Rural 1st is the consumer lending division of Farm Credit Mid-America and offers specialized financing for those looking to fulfill their dream of country living. Rural 1st offers home loans – purchase and refinance, construction loans, lot loans, land loans and home equity loans in rural areas of Indiana, Ohio, Kentucky and Tennessee and through our partner associations in Arkansas, southern Colorado, central and southern Illinois, Indiana, Iowa, eastern Kansas, Kentucky, southeast Missouri, Nebraska, New Mexico, Ohio, South Dakota, Tennessee, Texas, and Wyoming.Rural 1st is a tradename of Farm Credit Mid-America. Rural 1st products are available to consumers within the territories of participating Farm Credit System Associations.*All loans are subject to credit approval and eligibility.