Agfirst Farm Credit Bank Mortgage Rates, Fees & Info

Columbia, SC

LEI: MMO6VV34TNP4Z1T8NG83

Tax ID: 57-1016947

5 stars - Updated: 7/11/24 - out of 5 stars, based on 33 reviews

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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.51% 7/11/24
30 Year Conventional Refi 6.36% 7/11/24
30 Year Cash-out Refi 6.52% 7/11/24
15 Year Conventional Purchase 5.58% 7/11/24
15 Year Conventional Refi 5.69% 7/11/24
15 Year Cash-out Refi 5.69% 7/11/24
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






Your Estimates

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™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,097

Origination Dollar Volume (All Markets)

$396,695,000

Relative 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%
Agfirst Farm Credit Bank's top markets include Charlotte, Columbia, Greenville, Greensboro, and Atlanta among others.

Their top states include:
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,009 $376,585,000 $373,226 $8,357 7.39%
    Cash Out Refi 39 $9,705,000 $248,846 $6,349 6.90%
    Other 26 $5,320,000 $204,615 $5,388 5.84%
    Refi 14 $3,700,000 $264,286 $5,684 6.79%
    Home Improvement 9 $1,385,000 $153,889 $4,872 7.22%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30+ year 695 $278,985,000 $401,417 $9,169 7.58%
    30 Year 331 $102,295,000 $309,048 $6,495 7.00%
    15 Year 25 $5,115,000 $204,600 $5,855 6.30%
    20 Year 24 $4,610,000 $192,083 $5,491 7.00%
    Other 17 $5,085,000 $299,118 $8,366 5.54%
    10 Year 5 $605,000 $121,000 $4,962 5.95%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 533 $252,395,000 $473,537
    $4k-5k 190 $57,880,000 $304,632
    $3k-4k 142 $37,100,000 $261,268
    $2k-3k 112 $20,000,000 $178,571
    $1k-2k 92 $21,580,000 $234,565
    $<1k 20 $6,020,000 $301,000

    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

    Loan Rate Originations Total Value Average Loan
    7-8% 588 $224,830,000 $382,364
    6-7% 331 $107,395,000 $324,456
    Over 8% 148 $57,510,000 $388,581
    5-6% 23 $5,785,000 $251,522
    3-4% 4 $770,000 $192,500
    <2.5% 1 $195,000 $195,000
    4-5% 1 $55,000 $55,000
    2.5-3% 1 $155,000 $155,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 513 $154,535,000 $301,238 $7,431 7.33%
    $400k-600k 291 $140,255,000 $481,976 $9,964 7.51%
    $100k-200k 157 $24,275,000 $154,618 $5,070 6.96%
    $600k-1MM 104 $71,470,000 $687,212 $12,349 7.44%
    $100,000 or less 29 $2,245,000 $77,414 $4,169 6.88%
    $1MM+ 3 $3,915,000 $1,305,000 $12,052 7.46%

    2023 saw Agfirst Farm Credit Bank place emphasis on $200k-400k loans with 513 originations, totaling $154,535,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 357 $125,085,000 $350,378 $8,097 7.37%
    $150k-250k 288 $137,310,000 $476,771 $9,857 7.46%
    $75k-100k 199 $56,255,000 $282,688 $7,027 7.30%
    $50k-75k 151 $32,055,000 $212,285 $6,105 7.13%
    $250k+ 64 $40,970,000 $640,156 $11,335 7.33%
    $50k or less 37 $4,965,000 $134,189 $4,696 6.88%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 152 $53,350,000 $350,987 $8,109 7.14%
    20-30% 143 $45,395,000 $317,448 $7,059 7.14%
    49% 89 $36,245,000 $407,247 $8,989 7.49%
    48% 71 $29,855,000 $420,493 $8,888 7.46%
    43% 63 $23,215,000 $368,492 $8,280 7.23%
    41% 58 $20,460,000 $352,759 $8,368 7.29%
    44% 57 $21,435,000 $376,053 $8,806 7.63%
    47% 55 $22,195,000 $403,545 $8,724 7.50%
    39% 54 $18,320,000 $339,259 $7,794 7.35%
    42% 53 $20,055,000 $378,396 $8,373 7.31%
    40% 53 $17,755,000 $335,000 $8,044 7.52%
    45% 51 $20,875,000 $409,314 $9,172 7.51%
    38% 48 $17,670,000 $368,125 $8,212 7.36%
    <20% 42 $12,230,000 $291,190 $6,789 6.96%
    46% 42 $14,420,000 $343,333 $8,056 7.54%
    37% 32 $11,320,000 $353,750 $7,902 7.36%
    36% 31 $10,855,000 $350,161 $7,954 7.19%
    50-60% 2 $990,000 $495,000 $8,845 7.56%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 978 $349,150,000 $357,004 $8,093 7.32%
    Not provided 62 $25,420,000 $410,000 $9,018 7.39%
    Black 43 $16,885,000 $392,674 $8,649 7.26%
    American Indian 6 $2,360,000 $393,333 $9,005 7.54%
    Asian 6 $2,260,000 $376,667 $8,108 7.17%
    Other Asian 1 $355,000 $355,000 $8,311 7.13%
    Japanese 1 $265,000 $265,000 $7,736 7.50%

    Approval Rates

    Total approvals of all applications
    90.94%

    Agfirst Farm Credit Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    94.90%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,097 $396,695,000 $361,618

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 59 $9,485,000 $160,763 $5,171 6.80%
    40-60% 156 $45,660,000 $292,692 $6,984 7.14%
    60-80% 429 $165,395,000 $385,536 $8,734 7.37%
    80-100% 446 $174,500,000 $391,256 $8,441 7.42%
    Over 100% 1 $425,000 $425,000 $9,130 7.25%
    Under 20% 5 $1,175,000 $235,000 $7,728 7.03%