Agriculture Federal Credit Union Mortgage Rates, Fees & Info
Washington, DCLEI: 549300P5JG6WBCSZ7M53
Tax ID: 53-0176413
Latest/2023 | 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 loans. Agriculture Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Washington, Charlotte, Baltimore, Truckee, and Sacramento among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Agriculture Federal Credit Union has an 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
105Origination Dollar Volume (All Markets)
$8,305,000Top 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) | 70 | $5,420,000 | $77,429 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $300,000 | $50,000 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Burley, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 0.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Easton, MD (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 0.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $35,000 | $35,000 | $0 | 0.00% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 105 | $8,305,000 | $79,095 | $0 | 0.00% |
For 2022, Agriculture Federal Credit Union's most frequently originated type of loan was Conventional, with 105 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Improvement | 104 | $8,270,000 | $79,519 | $0 | 0.00% |
| Other | 1 | $35,000 | $35,000 | $0 | 0.00% |
For 2022, Agriculture Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 104 originations. The 2nd most popular reason was Other, with 1 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 105 | $8,305,000 | $79,095 | $0 | 0.00% |
For 2022, Agriculture Federal Credit Union's most frequently cited loan duration was Other, with 105 originations.
Loan Sizing
2022 saw Agriculture Federal Credit Union place emphasis on $100,000 or less loans with 72 originations, totaling $3,290,000 in origination value.
Applicant Income
Agriculture Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 35 originations. The second most popular income band? $100k-150k, with 34 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 105 | $8,305,000 | $79,095 | $0 | 0.00% |
Agriculture Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 105 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.11%
Agriculture Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination78.10%
Agriculture Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 105 | $8,305,000 | $79,095 |