Agriculture Federal Credit Union Mortgage Rates, Fees & Info
Washington, DCLEI: 549300P5JG6WBCSZ7M53
Tax ID: 53-0176413
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Agriculture Federal Credit Union is a smaller credit union specializing in Home Improvement and Other loans. Agriculture Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Washington, Baltimore, San Francisco, Los Angeles, and New York among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)Agriculture Federal Credit Union has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
82Origination Dollar Volume (All Markets)
$7,360,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 56 | $5,330,000 | $95,179 | $0 | 0.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 0.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $55,000 | $55,000 | $0 | 0.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 82 | $7,360,000 | $89,756 | $0 | 0.00% |
For 2024, Agriculture Federal Credit Union's most frequently originated type of loan was Conventional, with 82 originations.
Loan Reason
For 2024, Agriculture Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 50 originations. The 2nd most popular reason was Other, with 25 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 82 | $7,360,000 | $89,756 | $0 | 0.00% |
For 2024, Agriculture Federal Credit Union's most frequently cited loan duration was Other, with 82 originations.
Loan Sizing
2024 saw Agriculture Federal Credit Union place emphasis on $100,000 or less loans with 51 originations, totaling $2,655,000 in origination value.
Applicant Income
Agriculture Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 32 originations. The second most popular income band? $100k-150k, with 21 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 82 | $7,360,000 | $89,756 | $0 | 0.00% |
Agriculture Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 82 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications67.72%
Agriculture Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination69.51%
Agriculture Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 82 | $7,360,000 | $89,756 |