Agfirst Farm Credit Bank Mortgage Rates, Fees & Info
Columbia, SCLEI: MMO6VV34TNP4Z1T8NG83
Tax ID: 57-1016947
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Agfirst Farm Credit Bank is a smaller bank specializing in Home Purchase loans. Agfirst Farm Credit Bank has a high proportion of conventional loans. Their top markets by origination volume include: Charlotte, Columbia, Greenville, Greensboro, and Atlanta among others. We have data for 110 markets. (Some data included below & more in-depth data is available with an active subscription.)Agfirst Farm Credit Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Agfirst Farm Credit Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.51% | 11/17/24 |
| 30 Year Conventional Refi | 6.36% | 11/17/24 |
| 30 Year Cash-out Refi | 6.52% | 11/17/24 |
| 15 Year Conventional Purchase | 5.58% | 11/17/24 |
| 15 Year Conventional Refi | 5.69% | 11/17/24 |
| 15 Year Cash-out Refi | 5.69% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Agfirst Farm Credit Bank Mortgage Calculator
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Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Agfirst Farm Credit Bank. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,097Origination Dollar Volume (All Markets)
$396,695,000Relative Rate
Agfirst Farm Credit Bank's average 30 year fixed mortgage rate was
7%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.52%.
Relative Fees (Closing Costs)
Agfirst Farm Credit Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,495.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 321 | $114,755,000 | $357,492 | $8,242 | 7.45% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 83 | $30,365,000 | $365,843 | $8,215 | 7.34% |
| COLUMBIA, SC (FHA|USDA|VA) | 58 | $22,590,000 | $389,483 | $8,642 | 7.22% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 58 | $22,330,000 | $385,000 | $9,476 | 7.28% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 56 | $20,860,000 | $372,500 | $8,043 | 7.37% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 49 | $18,485,000 | $377,245 | $8,693 | 7.16% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 43 | $15,535,000 | $361,279 | $8,085 | 7.47% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 30 | $10,980,000 | $366,000 | $7,993 | 7.29% |
| Statesboro, GA (FHA|USDA|VA) | 23 | $8,405,000 | $365,435 | $7,908 | 7.11% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 20 | $8,080,000 | $404,000 | $8,267 | 7.24% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 13 | $5,845,000 | $449,615 | $8,854 | 7.23% |
| Shelby, NC (FHA|USDA|VA) | 16 | $5,540,000 | $346,250 | $8,202 | 7.60% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 13 | $5,235,000 | $402,692 | $8,446 | 7.02% |
| Mount Airy, NC (FHA|USDA|VA) | 10 | $4,830,000 | $483,000 | $9,574 | 6.90% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 11 | $3,965,000 | $360,455 | $7,644 | 7.19% |
| BURLINGTON, NC (FHA|USDA|VA) | 11 | $3,905,000 | $355,000 | $7,797 | 7.36% |
| Seneca, SC (FHA|USDA|VA) | 9 | $3,865,000 | $429,444 | $11,194 | 7.32% |
| Forest City, NC (FHA|USDA|VA) | 10 | $3,830,000 | $383,000 | $8,293 | 7.51% |
| Newberry, SC (FHA|USDA|VA) | 13 | $3,775,000 | $290,385 | $7,362 | 7.35% |
| RICHMOND, VA (FHA|USDA|VA) | 11 | $3,695,000 | $335,909 | $6,743 | 7.53% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $3,305,000 | $367,222 | $7,810 | 6.78% |
| Palatka, FL (FHA|USDA|VA) | 11 | $3,295,000 | $299,545 | $9,587 | 7.20% |
| ASHEVILLE, NC (FHA|USDA|VA) | 11 | $3,275,000 | $297,727 | $6,875 | 7.14% |
| Cullowhee, NC (FHA|USDA|VA) | 8 | $2,800,000 | $350,000 | $9,439 | 7.58% |
| SPARTANBURG, SC (FHA|USDA|VA) | 10 | $2,680,000 | $268,000 | $6,216 | 7.09% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 7 | $2,655,000 | $379,286 | $9,710 | 7.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 8 | $2,260,000 | $282,500 | $8,713 | 7.72% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $2,205,000 | $315,000 | $9,162 | 7.34% |
| Albemarle, NC (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $8,685 | 6.85% |
| Greenwood, SC (FHA|USDA|VA) | 6 | $2,070,000 | $345,000 | $6,936 | 6.90% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $2,060,000 | $515,000 | $10,351 | 7.97% |
| ROANOKE, VA (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $6,625 | 7.19% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $8,039 | 8.06% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $10,022 | 7.03% |
| Marion, NC (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $7,567 | 7.23% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $1,515,000 | $1,515,000 | $3,191 | 7.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $9,013 | 7.21% |
| Waycross, GA (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $6,431 | 7.08% |
| HINESVILLE, GA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $8,634 | 6.63% |
| Orangeburg, SC (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $9,294 | 7.53% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $7,803 | 7.83% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $9,833 | 6.92% |
| OCALA, FL (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $9,309 | 7.58% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,389 | 6.63% |
| Vidalia, GA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $7,085 | 7.16% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $14,468 | 8.13% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $9,875 | 8.06% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $12,294 | 8.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $7,481 | 6.81% |
| STAUNTON, VA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $3,629 | 6.79% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $8,238 | 7.58% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $3,791 | 7.29% |
| FLORENCE, SC (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $6,146 | 7.16% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $6,151 | 6.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $6,266 | 7.00% |
| North Wilkesboro, NC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,554 | 7.13% |
| Rockingham, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,711 | 7.54% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $12,658 | 8.25% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,236 | 7.44% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $13,452 | 7.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,376 | 7.69% |
| Atmore, AL (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $8,647 | 9.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,089 | 7.94% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $7,338 | 7.50% |
| Thomaston, GA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $6,159 | 6.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,776 | 7.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $10,107 | 6.63% |
| Mayfield, KY (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,226 | 7.50% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,637 | 7.25% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $12,670 | 7.88% |
| Boone, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,408 | 7.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,722 | 7.04% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,851 | 6.75% |
| READING, PA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,490 | 7.63% |
| Brevard, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $8,403 | 6.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,943 | 9.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $10,368 | 7.13% |
| Sanford, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,909 | 6.81% |
| Tifton, GA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,770 | 5.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,074 | 7.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,885 | 7.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,637 | 7.50% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,454 | 7.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,353 | 6.88% |
| Douglas, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,406 | 6.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,404 | 7.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,157 | 7.38% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,585 | 8.38% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,607 | 6.81% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,687 | 7.13% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,693 | 6.75% |
| Lake City, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,398 | 7.31% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,269 | 8.38% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,233 | 6.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,131 | 6.75% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,318 | 8.38% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,065 | 6.63% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,306 | 6.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,039 | 9.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.00% |
| Dayton, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,259 | 7.50% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,024 | 6.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,131 | 6.88% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,767 | 7.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,189 | 6.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.63% |
| Dublin, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,725 | 6.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,925 | 7.63% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,335 | 7.38% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.75% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,097 | $396,695,000 | $361,618 | $8,172 | 7.32% |
For 2023, Agfirst Farm Credit Bank's most frequently originated type of loan was Conventional, with 1,097 originations.
Loan Reason
For 2023, Agfirst Farm Credit Bank's most frequently cited loan purpose was Home Purchase, with 1,009 originations. The 2nd most popular reason was Cash Out Refi, with 39 originations.
Loan Duration/Length
For 2023, Agfirst Farm Credit Bank's most frequently cited loan duration was 30+ year, with 695 originations. The 2nd most popular length was 30 Year, with 331 originations.
Origination Fees/Closing Costs
Agfirst Farm Credit Bank's average total fees were $6,495, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 533 originations.
Interest Rates
During 2023, Agfirst Farm Credit Bank's average interest rate for loans was 7.00%, while their most frequently originated rate bucket for loans was 7-8%, with 588 originations.
Loan Sizing
2023 saw Agfirst Farm Credit Bank place emphasis on $200k-400k loans with 513 originations, totaling $154,535,000 in origination value.
Applicant Income
Agfirst Farm Credit Bank lent most frequently to those with incomes in the $100k-150k range, with 357 originations. The second most popular income band? $150k-250k, with 288 originations.
Applicant Debt to Income Ratio
Agfirst Farm Credit Bank lent most frequently to those with DTI ratios of 30-36%, with 152 originations. The next most common DTI ratio? 20-30%, with 143 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.94%
Agfirst Farm Credit Bank has an average approval rate.
Pick Rate
Approvals leading to origination94.90%
Agfirst Farm Credit Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,097 | $396,695,000 | $361,618 |