Rural 1st is the consumer lending division of Farm Credit Mid-America and offers specialized financing for those looking to f ... ulfill 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. Rural 1st is the tradename for the consumer lending division of Farm Credit Mid-America. Rural 1st is also available to consumers within the territories of participating Farm Credit System Associations. *All loans are subject to credit approval and eligibility. read more