Agfirst Farm Credit Bank Mortgage Rates, Fees & Info

Columbia, SC

LEI: MMO6VV34TNP4Z1T8NG83

Tax ID: 57-1016947

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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, Winston, Atlanta, Greensboro, and Washington among others. We have data for 178 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 about average 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.51% 11/21/24
    30 Year Conventional Refi 6.36% 11/21/24
    30 Year Cash-out Refi 6.52% 11/21/24
    15 Year Conventional Purchase 5.58% 11/21/24
    15 Year Conventional Refi 5.69% 11/21/24
    15 Year Cash-out Refi 5.69% 11/21/24
    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

    2,381

    Origination Dollar Volume (All Markets)

    $620,015,000
    Show all (5) awards

    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 567 $143,075,000 $252,337 $5,463 4.43%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 143 $40,385,000 $282,413 $6,185 4.45%
    WINSTON-SALEM, NC (FHA|USDA|VA) 132 $34,090,000 $258,258 $6,143 4.54%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 92 $28,400,000 $308,696 $6,769 4.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 99 $25,465,000 $257,222 $5,731 4.47%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 60 $19,950,000 $332,500 $5,054 4.59%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 73 $19,585,000 $268,288 $5,965 4.39%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 56 $16,150,000 $288,393 $6,071 4.45%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 56 $12,700,000 $226,786 $5,635 4.39%
    COLUMBIA, SC (FHA|USDA|VA) 46 $12,340,000 $268,261 $6,405 4.39%
    BURLINGTON, NC (FHA|USDA|VA) 41 $11,225,000 $273,780 $5,933 4.45%
    Shelby, NC (FHA|USDA|VA) 39 $10,825,000 $277,564 $6,116 4.49%
    ASHEVILLE, NC (FHA|USDA|VA) 39 $9,915,000 $254,231 $5,429 4.28%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 28 $9,000,000 $321,429 $5,890 4.33%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 22 $7,700,000 $350,000 $4,145 4.38%
    Statesboro, GA (FHA|USDA|VA) 32 $7,540,000 $235,625 $5,868 4.20%
    SPARTANBURG, SC (FHA|USDA|VA) 23 $7,285,000 $316,739 $5,493 4.52%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 26 $5,880,000 $226,154 $3,919 4.43%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 20 $5,650,000 $282,500 $4,375 4.52%
    SALISBURY, MD-DE (FHA|USDA|VA) 19 $5,295,000 $278,684 $4,004 4.56%
    GAINESVILLE, FL (FHA|USDA|VA) 20 $5,140,000 $257,000 $7,271 4.43%
    Mount Airy, NC (FHA|USDA|VA) 18 $4,860,000 $270,000 $5,790 4.38%
    COLUMBUS, GA-AL (FHA|USDA|VA) 13 $4,735,000 $364,231 $7,966 3.98%
    WINCHESTER, VA-WV (FHA|USDA|VA) 20 $4,680,000 $234,000 $3,871 4.35%
    JACKSONVILLE, FL (FHA|USDA|VA) 14 $4,560,000 $325,714 $7,525 4.39%
    Vidalia, GA (FHA|USDA|VA) 25 $4,315,000 $172,600 $5,635 4.13%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 22 $4,300,000 $195,455 $4,702 4.30%
    OCALA, FL (FHA|USDA|VA) 16 $3,990,000 $249,375 $5,524 4.29%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 13 $3,825,000 $294,231 $4,982 4.45%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 15 $3,815,000 $254,333 $5,701 4.41%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 14 $3,780,000 $270,000 $2,969 4.31%
    TALLAHASSEE, FL (FHA|USDA|VA) 16 $3,620,000 $226,250 $4,534 4.54%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $3,445,000 $313,182 $5,513 4.41%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 12 $3,440,000 $286,667 $5,125 4.63%
    Douglas, GA (FHA|USDA|VA) 16 $3,370,000 $210,625 $5,502 3.98%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 11 $3,245,000 $295,000 $5,267 4.67%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 11 $3,015,000 $274,091 $4,635 4.55%
    ROANOKE, VA (FHA|USDA|VA) 10 $2,990,000 $299,000 $4,614 4.36%
    Cullowhee, NC (FHA|USDA|VA) 11 $2,985,000 $271,364 $6,419 4.67%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 8 $2,930,000 $366,250 $5,811 4.45%
    Paducah, KY-IL (FHA|USDA|VA) 14 $2,760,000 $197,143 $3,298 4.56%
    Newberry, SC (FHA|USDA|VA) 10 $2,720,000 $272,000 $6,528 4.31%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $2,675,000 $297,222 $4,671 4.68%
    RICHMOND, VA (FHA|USDA|VA) 10 $2,650,000 $265,000 $4,994 4.36%
    DOVER, DE (FHA|USDA|VA) 11 $2,595,000 $235,909 $4,144 4.20%
    North Wilkesboro, NC (FHA|USDA|VA) 15 $2,535,000 $169,000 $4,755 4.78%
    FAYETTEVILLE, NC (FHA|USDA|VA) 9 $2,485,000 $276,111 $5,699 4.40%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $2,440,000 $244,000 $4,543 4.66%
    Frankfort, KY (FHA|USDA|VA) 9 $2,395,000 $266,111 $2,970 4.47%
    Albemarle, NC (FHA|USDA|VA) 9 $2,215,000 $246,111 $6,004 4.68%
    STAUNTON, VA (FHA|USDA|VA) 8 $2,170,000 $271,250 $2,571 4.33%
    Seneca, SC (FHA|USDA|VA) 8 $2,120,000 $265,000 $5,928 4.23%
    HARRISONBURG, VA (FHA|USDA|VA) 9 $2,085,000 $231,667 $3,205 4.63%
    LANCASTER, PA (FHA|USDA|VA) 8 $2,080,000 $260,000 $5,672 4.27%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $2,025,000 $405,000 $10,239 3.78%
    Thomaston, GA (FHA|USDA|VA) 9 $2,005,000 $222,778 $5,938 4.25%
    Forest City, NC (FHA|USDA|VA) 8 $1,990,000 $248,750 $5,965 4.50%
    Lake City, FL (FHA|USDA|VA) 9 $1,975,000 $219,444 $5,999 4.21%
    Palatka, FL (FHA|USDA|VA) 9 $1,925,000 $213,889 $6,097 4.42%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $1,835,000 $367,000 $7,809 4.40%
    Wauchula, FL (FHA|USDA|VA) 7 $1,815,000 $259,286 $6,623 4.64%
    Boone, NC (FHA|USDA|VA) 6 $1,810,000 $301,667 $4,244 4.27%
    Orangeburg, SC (FHA|USDA|VA) 8 $1,810,000 $226,250 $5,545 4.06%
    Dublin, GA (FHA|USDA|VA) 10 $1,720,000 $172,000 $6,573 3.96%
    LUBBOCK, TX (FHA|USDA|VA) 6 $1,640,000 $273,333 $5,258 4.54%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,625,000 $325,000 $6,406 4.53%
    Arcadia, FL (FHA|USDA|VA) 8 $1,560,000 $195,000 $6,141 4.83%
    CHARLESTON, WV (FHA|USDA|VA) 9 $1,525,000 $169,444 $3,994 4.71%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,515,000 $303,000 $6,104 4.10%
    Dayton, TN (FHA|USDA|VA) 7 $1,485,000 $212,143 $3,891 4.68%
    LYNCHBURG, VA (FHA|USDA|VA) 7 $1,425,000 $203,571 $3,543 4.59%
    CLEVELAND, TN (FHA|USDA|VA) 7 $1,355,000 $193,571 $3,460 4.66%
    SAVANNAH, GA (FHA|USDA|VA) 7 $1,345,000 $192,143 $6,078 4.02%
    Mayfield, KY (FHA|USDA|VA) 9 $1,325,000 $147,222 $3,051 4.68%
    BRUNSWICK, GA (FHA|USDA|VA) 6 $1,200,000 $200,000 $5,461 4.06%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,165,000 $388,333 $7,630 4.29%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,145,000 $229,000 $5,394 4.33%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $1,130,000 $282,500 $6,144 4.78%
    Marion, NC (FHA|USDA|VA) 5 $1,085,000 $217,000 $5,256 4.43%
    Greenwood, SC (FHA|USDA|VA) 4 $1,080,000 $270,000 $5,768 4.13%
    Waycross, GA (FHA|USDA|VA) 6 $1,070,000 $178,333 $5,359 3.85%
    Danville, KY (FHA|USDA|VA) 4 $1,000,000 $250,000 $3,099 4.41%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 4 $900,000 $225,000 $4,020 4.56%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $875,000 $291,667 $6,359 4.29%
    Gaffney, SC (FHA|USDA|VA) 2 $830,000 $415,000 $6,130 4.56%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $780,000 $390,000 $3,252 3.94%
    Bluefield, WV-VA (FHA|USDA|VA) 3 $775,000 $258,333 $3,837 4.08%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $775,000 $258,333 $4,893 4.67%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $755,000 $251,667 $2,935 4.54%
    MIDLAND, TX (FHA|USDA|VA) 1 $755,000 $755,000 $13,177 4.00%
    Cambridge, MD (FHA|USDA|VA) 3 $735,000 $245,000 $4,711 4.63%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $725,000 $241,667 $4,119 4.50%
    Stephenville, TX (FHA|USDA|VA) 3 $685,000 $228,333 $4,297 3.71%
    LaGrange, GA-AL (FHA|USDA|VA) 2 $670,000 $335,000 $7,090 4.00%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $650,000 $325,000 $4,434 4.63%
    Athens, TN (FHA|USDA|VA) 4 $630,000 $157,500 $3,478 4.38%
    Milledgeville, GA (FHA|USDA|VA) 3 $585,000 $195,000 $5,781 4.04%
    Danville, VA (FHA|USDA|VA) 6 $580,000 $96,667 $3,187 4.25%
    Bonham, TX (FHA|USDA|VA) 1 $575,000 $575,000 $5,515 4.63%
    TYLER, TX (FHA|USDA|VA) 1 $535,000 $535,000 $8,753 4.63%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $520,000 $260,000 $3,860 3.88%
    Pottsville, PA (FHA|USDA|VA) 2 $510,000 $255,000 $4,753 4.38%
    Okeechobee, FL (FHA|USDA|VA) 2 $490,000 $245,000 $7,005 4.88%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $485,000 $485,000 $4,226 5.00%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $475,000 $475,000 $16,815 4.25%
    GETTYSBURG, PA (FHA|USDA|VA) 2 $470,000 $235,000 $6,903 4.56%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $465,000 $465,000 $3,398 4.25%
    Campbellsville, KY (FHA|USDA|VA) 1 $455,000 $455,000 $8,477 5.13%
    Corsicana, TX (FHA|USDA|VA) 2 $450,000 $225,000 $5,816 4.94%
    Easton, MD (FHA|USDA|VA) 1 $445,000 $445,000 $10,771 5.00%
    Jesup, GA (FHA|USDA|VA) 3 $435,000 $145,000 $4,389 4.25%
    Bennettsville, SC (FHA|USDA|VA) 1 $405,000 $405,000 $4,370 4.13%
    Bardstown, KY (FHA|USDA|VA) 2 $400,000 $200,000 $2,705 4.44%
    Paragould, AR (FHA|USDA|VA) 2 $400,000 $200,000 $4,124 4.25%
    FLORENCE, SC (FHA|USDA|VA) 1 $395,000 $395,000 $8,952 4.63%
    St. Marys, GA (FHA|USDA|VA) 3 $395,000 $131,667 $4,621 4.21%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $390,000 $195,000 $5,071 4.31%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $390,000 $195,000 $2,747 4.19%
    Mineral Wells, TX (FHA|USDA|VA) 1 $385,000 $385,000 $6,456 4.00%
    Moultrie, GA (FHA|USDA|VA) 1 $375,000 $375,000 $10,639 4.00%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $360,000 $180,000 $3,492 4.38%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $360,000 $180,000 $3,899 4.19%
    VICTORIA, TX (FHA|USDA|VA) 1 $355,000 $355,000 $7,060 4.38%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $355,000 $355,000 $3,097 4.50%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $355,000 $355,000 $6,736 4.13%
    Murray, KY (FHA|USDA|VA) 3 $345,000 $115,000 $3,082 4.79%
    DALTON, GA (FHA|USDA|VA) 1 $335,000 $335,000 $3,357 4.25%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $335,000 $335,000 $6,952 5.25%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $320,000 $160,000 $3,587 3.69%
    Rockingham, NC (FHA|USDA|VA) 1 $315,000 $315,000 $7,235 4.13%
    Athens, TX (FHA|USDA|VA) 2 $310,000 $155,000 $3,343 4.44%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $305,000 $305,000 $3,773 4.25%
    Huntsville, TX (FHA|USDA|VA) 1 $285,000 $285,000 $5,893 4.00%
    Alexander City, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,753 4.50%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $265,000 $265,000 $6,363 4.75%
    Big Stone Gap, VA (FHA|USDA|VA) 1 $265,000 $265,000 $5,889 6.13%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $265,000 $265,000 $3,946 4.00%
    Forrest City, AR (FHA|USDA|VA) 1 $265,000 $265,000 $5,711 4.88%
    HINESVILLE, GA (FHA|USDA|VA) 2 $260,000 $130,000 $4,103 4.38%
    LEBANON, PA (FHA|USDA|VA) 1 $255,000 $255,000 $3,723 3.75%
    Nacogdoches, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,831 4.25%
    READING, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,284 4.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $2,750 4.38%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 2 $250,000 $125,000 $3,480 4.88%
    Tifton, GA (FHA|USDA|VA) 1 $235,000 $235,000 $7,833 3.38%
    Sanford, NC (FHA|USDA|VA) 1 $235,000 $235,000 $5,956 4.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $235,000 $235,000 $9,186 4.00%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,030 4.88%
    Brenham, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,740 4.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $215,000 $215,000 $4,881 3.63%
    Union, SC (FHA|USDA|VA) 2 $210,000 $105,000 $3,760 4.38%
    ABILENE, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,652 4.25%
    JACKSON, MS (FHA|USDA|VA) 1 $205,000 $205,000 $3,163 3.88%
    Clewiston, FL (FHA|USDA|VA) 1 $185,000 $185,000 $6,881 4.63%
    ALBANY, GA (FHA|USDA|VA) 1 $185,000 $185,000 $5,236 3.75%
    Calhoun, GA (FHA|USDA|VA) 1 $175,000 $175,000 $5,121 4.63%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $175,000 $175,000 $2,540 4.25%
    LONGVIEW, TX (FHA|USDA|VA) 2 $170,000 $85,000 $4,437 5.00%
    DECATUR, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,662 4.25%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,166 3.75%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $155,000 $155,000 $4,300 4.13%
    Elkins, WV (FHA|USDA|VA) 1 $145,000 $145,000 $4,141 4.38%
    JONESBORO, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,542 4.25%
    ROCHESTER, NY (FHA|USDA|VA) 1 $125,000 $125,000 $3,745 4.13%
    SYRACUSE, NY (FHA|USDA|VA) 1 $125,000 $125,000 $3,885 4.25%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,739 4.38%
    Ruidoso, NM (FHA|USDA|VA) 1 $125,000 $125,000 $4,607 5.00%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $125,000 $125,000 $5,458 3.63%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,128 4.25%
    AMARILLO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,725 4.25%
    Uvalde, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,302 4.63%
    Morehead City, NC (FHA|USDA|VA) 1 $105,000 $105,000 $3,425 4.25%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $105,000 $105,000 $4,030 4.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $105,000 $105,000 $4,907 4.38%
    Amsterdam, NY (FHA|USDA|VA) 1 $105,000 $105,000 $3,687 4.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $95,000 $95,000 $4,002 4.63%
    Batavia, NY (FHA|USDA|VA) 1 $65,000 $65,000 $3,102 4.38%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $65,000 $65,000 $3,610 4.25%
    Agfirst Farm Credit Bank's top markets include Charlotte, Winston, Atlanta, Greensboro, and Washington among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against AgFirst Farm Credit Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    PATRIOT
    Similarity Rank: 96
    DUPONT COMMUNITY
    Similarity Rank: 117
    Kingsport Press Credit Union
    Similarity Rank: 135
    The Glen Burnie Mutual Savings Bank
    Similarity Rank: 218
    MEMBER ONE
    Similarity Rank: 260
    POINT BREEZE
    Similarity Rank: 270
    New Peoples Bank, Inc.
    Similarity Rank: 272
    KNOXVILLE TVA EMPLOYEES CREDIT UNION
    Similarity Rank: 325
    GREENVILLE FEDERAL CREDIT UNION
    Similarity Rank: 402
    FIRST FINANCIAL OF MARYLAND
    Similarity Rank: 444

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,381 $620,015,000 $260,401 $5,536 4.42%

    For 2019, Agfirst Farm Credit Bank's most frequently originated type of loan was Conventional, with 2,381 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,857 $501,005,000 $269,793 $5,813 4.47%
    Cash Out Refi 315 $70,375,000 $223,413 $4,633 4.30%
    Refi 203 $47,915,000 $236,034 $4,418 4.06%
    Other 4 $570,000 $142,500 $0 4.53%
    Home Improvement 2 $150,000 $75,000 $3,603 4.00%

    For 2019, Agfirst Farm Credit Bank's most frequently cited loan purpose was Home Purchase, with 1,857 originations. The 2nd most popular reason was Cash Out Refi, with 315 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,165 $292,215,000 $250,828 $4,786 4.33%
    30+ year 921 $271,355,000 $294,631 $6,783 4.66%
    15 Year 162 $28,750,000 $177,469 $4,521 3.83%
    20 Year 65 $11,935,000 $183,615 $3,912 4.32%
    Other 53 $13,565,000 $255,943 $5,982 4.02%
    10 Year 15 $2,195,000 $146,333 $3,758 3.73%

    For 2019, Agfirst Farm Credit Bank's most frequently cited loan duration was 30 Year, with 1,165 originations. The 2nd most popular length was 30+ year, with 921 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $3k-4k 520 $124,460,000 $239,346
    $<1k 413 $99,425,000 $240,738
    $4k-5k 387 $119,555,000 $308,928
    $2k-3k 369 $61,875,000 $167,683
    $1k-2k 353 $74,365,000 $210,666
    $5k+ 335 $139,765,000 $417,209

    Agfirst Farm Credit Bank's average total fees were $4,786, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 520 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,617 $426,795,000 $263,942
    3-4% 564 $142,260,000 $252,234
    5-6% 195 $50,045,000 $256,641
    2.5-3% 4 $650,000 $162,500
    6-7% 1 $265,000 $265,000

    During 2019, Agfirst Farm Credit Bank's average interest rate for loans was 4.33%, while their most frequently originated rate bucket for loans was 4-5%, with 1,617 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,271 $359,585,000 $282,915 $5,854 4.44%
    $100k-200k 634 $96,880,000 $152,808 $4,303 4.39%
    $400k-600k 301 $138,355,000 $459,651 $7,640 4.42%
    $100,000 or less 157 $12,095,000 $77,038 $3,414 4.34%
    $600k-1MM 17 $11,895,000 $699,706 $8,796 4.29%
    $1MM+ 1 $1,205,000 $1,205,000 $21,162 3.88%

    2019 saw Agfirst Farm Credit Bank place emphasis on $200k-400k loans with 1,271 originations, totaling $359,585,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 698 $204,640,000 $293,181 $5,936 4.42%
    $75k-100k 528 $129,540,000 $245,341 $5,522 4.45%
    $50k-75k 482 $96,320,000 $199,834 $4,803 4.42%
    $150k-250k 326 $113,560,000 $348,344 $6,430 4.38%
    $50k or less 257 $35,695,000 $138,891 $4,183 4.41%
    $250k+ 90 $40,260,000 $447,333 $7,052 4.28%

    Agfirst Farm Credit Bank lent most frequently to those with incomes in the $100k-150k range, with 698 originations. The second most popular income band? $75k-100k, with 528 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 582 $142,240,000 $244,399 $5,288 4.36%
    30-36% 475 $124,815,000 $262,768 $5,529 4.42%
    <20% 183 $44,515,000 $243,251 $5,071 4.21%
    43% 108 $29,600,000 $274,074 $6,151 4.51%
    40% 99 $25,385,000 $256,414 $5,745 4.46%
    42% 97 $26,295,000 $271,082 $5,557 4.38%
    38% 97 $25,475,000 $262,629 $5,607 4.48%
    39% 95 $25,965,000 $273,316 $5,585 4.45%
    49% 83 $23,185,000 $279,337 $5,530 4.44%
    44% 80 $21,970,000 $274,625 $5,529 4.54%
    41% 80 $21,290,000 $266,125 $5,910 4.57%
    37% 78 $21,330,000 $273,462 $5,411 4.45%
    47% 72 $20,360,000 $282,778 $6,086 4.55%
    36% 67 $17,335,000 $258,731 $5,860 4.51%
    46% 67 $18,455,000 $275,448 $5,844 4.40%
    45% 60 $15,500,000 $258,333 $5,701 4.46%
    48% 56 $15,500,000 $276,786 $5,756 4.45%
    50-60% 2 $800,000 $400,000 $9,672 4.56%

    Agfirst Farm Credit Bank lent most frequently to those with DTI ratios of 20-30%, with 582 originations. The next most common DTI ratio? 30-36%, with 475 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,193 $568,815,000 $259,378 $5,504 4.41%
    Not provided 141 $39,555,000 $280,532 $5,836 4.41%
    Black 28 $7,050,000 $251,786 $6,331 4.50%
    Asian 10 $2,580,000 $258,000 $6,059 4.66%
    American Indian 7 $1,535,000 $219,286 $5,284 4.20%
    Other Asian 1 $245,000 $245,000 $6,095 4.63%
    Korean 1 $235,000 $235,000 $6,095 4.75%

    Approval Rates

    Total approvals of all applications
    90.22%

    Agfirst Farm Credit Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    95.84%

    Agfirst Farm Credit Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,381 $620,015,000 $260,401

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 118 $14,180,000 $120,169
    Single Family (1-4 Units):Site-Built 2,263 $605,835,000 $267,713

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 75 $11,215,000 $149,533 $3,896 4.14%
    40-60% 267 $60,215,000 $225,524 $4,812 4.23%
    60-80% 872 $233,400,000 $267,661 $5,512 4.40%
    80-100% 1,159 $313,845,000 $270,789 $5,831 4.49%
    Under 20% 8 $1,340,000 $167,500 $4,470 4.13%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    ASPIRE FINANCIAL INC. Conventional home mortgage Improper use of your report 1 50.0%
    ASPIRE FINANCIAL INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 50.0%