Agfirst Farm Credit Bank Mortgage Rates, Fees & Info

Columbia, SC

LEI: MMO6VV34TNP4Z1T8NG83

Tax ID: 57-1016947

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Mortgage Data

Review & Overview

Agfirst Farm Credit Bank is a smaller bank specializing in Home Purchase and Refi loans. Agfirst Farm Credit Bank has a high proportion of conventional loans. Their top markets by origination volume include: Charlotte, Winston, Greensboro, Greenville, and Atlanta among others. We have data for 184 markets. (Some data included below & more in-depth data is available with an active subscription.)

Agfirst Farm Credit Bank has an average approval rate when compared to the average across all lenders. They have an 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.51% 3/28/24
30 Year Conventional Refi 6.36% 3/28/24
30 Year Cash-out Refi 6.52% 3/28/24
15 Year Conventional Purchase 5.58% 3/28/24
15 Year Conventional Refi 5.69% 3/28/24
15 Year Cash-out Refi 5.69% 3/28/24
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

2,703

Origination Dollar Volume (All Markets)

$705,455,000

Awards

AgFirst Farm Credit Bank 30 Year Conventional Loans gold AgFirst Farm Credit Bank 30 Year Conventional Loans silver AgFirst Farm Credit Bank 30 Year Conventional Loans gold AgFirst Farm Credit Bank 30 Year Conventional Loans bronze
Show all (4) 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 548 $137,830,000 $251,515 $5,333 3.70%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 166 $46,370,000 $279,337 $6,536 3.70%
WINSTON-SALEM, NC (FHA|USDA|VA) 137 $37,495,000 $273,686 $5,997 3.59%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 141 $36,785,000 $260,887 $5,677 3.55%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 109 $29,365,000 $269,404 $6,024 3.39%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 104 $28,940,000 $278,269 $6,649 3.42%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 89 $23,945,000 $269,045 $5,798 3.41%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 70 $22,720,000 $324,571 $3,840 3.60%
COLUMBIA, SC (FHA|USDA|VA) 67 $18,055,000 $269,478 $6,571 3.61%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 63 $15,595,000 $247,540 $5,821 3.62%
BURLINGTON, NC (FHA|USDA|VA) 62 $15,320,000 $247,097 $5,737 3.62%
Shelby, NC (FHA|USDA|VA) 48 $11,370,000 $236,875 $5,777 3.38%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 31 $11,105,000 $358,226 $3,949 3.52%
Statesboro, GA (FHA|USDA|VA) 47 $9,925,000 $211,170 $5,222 3.27%
WINCHESTER, VA-WV (FHA|USDA|VA) 37 $9,505,000 $256,892 $4,166 3.43%
SPARTANBURG, SC (FHA|USDA|VA) 26 $8,090,000 $311,154 $5,110 3.47%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 40 $7,890,000 $197,250 $3,307 3.55%
ASHEVILLE, NC (FHA|USDA|VA) 26 $7,140,000 $274,615 $6,027 3.83%
RICHMOND, VA (FHA|USDA|VA) 23 $6,275,000 $272,826 $4,647 3.65%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 21 $6,225,000 $296,429 $5,379 3.65%
Mount Airy, NC (FHA|USDA|VA) 25 $6,105,000 $244,200 $5,878 3.64%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 24 $6,040,000 $251,667 $5,130 3.48%
GAINESVILLE, FL (FHA|USDA|VA) 25 $5,875,000 $235,000 $6,029 3.64%
OCALA, FL (FHA|USDA|VA) 17 $5,625,000 $330,882 $5,712 3.63%
Newberry, SC (FHA|USDA|VA) 18 $5,360,000 $297,778 $7,988 3.88%
ROANOKE, VA (FHA|USDA|VA) 21 $5,305,000 $252,619 $3,509 3.43%
Cullowhee, NC (FHA|USDA|VA) 20 $5,080,000 $254,000 $6,330 3.84%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 17 $5,045,000 $296,765 $5,243 3.83%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 15 $4,735,000 $315,667 $4,178 3.63%
JACKSONVILLE, FL (FHA|USDA|VA) 16 $4,660,000 $291,250 $6,003 3.86%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 14 $4,290,000 $306,429 $4,468 3.72%
DOVER, DE (FHA|USDA|VA) 17 $4,135,000 $243,235 $3,279 3.62%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 11 $4,045,000 $367,727 $4,216 3.47%
North Wilkesboro, NC (FHA|USDA|VA) 16 $3,700,000 $231,250 $5,501 3.32%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $3,670,000 $305,833 $4,689 3.94%
COLUMBUS, GA-AL (FHA|USDA|VA) 16 $3,610,000 $225,625 $5,695 3.55%
STAUNTON, VA (FHA|USDA|VA) 13 $3,455,000 $265,769 $3,116 3.43%
Palatka, FL (FHA|USDA|VA) 14 $3,190,000 $227,857 $6,862 4.06%
TALLAHASSEE, FL (FHA|USDA|VA) 10 $3,170,000 $317,000 $4,703 4.09%
Forest City, NC (FHA|USDA|VA) 11 $3,125,000 $284,091 $5,883 3.76%
Vidalia, GA (FHA|USDA|VA) 18 $3,010,000 $167,222 $5,468 3.26%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 11 $2,965,000 $269,545 $3,842 3.39%
SALISBURY, MD-DE (FHA|USDA|VA) 15 $2,845,000 $189,667 $3,628 3.71%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 11 $2,815,000 $255,909 $5,921 3.75%
Paducah, KY-IL (FHA|USDA|VA) 14 $2,810,000 $200,714 $3,298 3.41%
SAVANNAH, GA (FHA|USDA|VA) 12 $2,770,000 $230,833 $5,504 3.40%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 9 $2,695,000 $299,444 $6,587 3.56%
Albemarle, NC (FHA|USDA|VA) 11 $2,685,000 $244,091 $5,280 3.27%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 12 $2,610,000 $217,500 $5,025 4.36%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $2,505,000 $501,000 $9,023 4.10%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $2,485,000 $355,000 $4,670 4.20%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 12 $2,410,000 $200,833 $2,724 3.40%
Seneca, SC (FHA|USDA|VA) 11 $2,395,000 $217,727 $5,701 3.40%
Danville, VA (FHA|USDA|VA) 10 $2,370,000 $237,000 $3,748 3.58%
HARRISONBURG, VA (FHA|USDA|VA) 12 $2,350,000 $195,833 $2,923 3.41%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $2,320,000 $386,667 $9,245 3.94%
Orangeburg, SC (FHA|USDA|VA) 8 $2,240,000 $280,000 $5,986 3.72%
Arcadia, FL (FHA|USDA|VA) 8 $2,180,000 $272,500 $7,757 4.47%
LANCASTER, PA (FHA|USDA|VA) 8 $2,160,000 $270,000 $3,986 3.63%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $1,965,000 $280,714 $6,549 3.73%
CLEVELAND, TN (FHA|USDA|VA) 9 $1,915,000 $212,778 $3,243 3.43%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 8 $1,830,000 $228,750 $3,914 4.05%
LYNCHBURG, VA (FHA|USDA|VA) 7 $1,825,000 $260,714 $3,145 3.38%
Pottsville, PA (FHA|USDA|VA) 5 $1,755,000 $351,000 $5,352 3.68%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 5 $1,745,000 $349,000 $4,241 3.25%
Danville, KY (FHA|USDA|VA) 7 $1,685,000 $240,714 $3,804 3.18%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,640,000 $273,333 $6,308 3.79%
Jesup, GA (FHA|USDA|VA) 8 $1,640,000 $205,000 $5,809 3.63%
Mayfield, KY (FHA|USDA|VA) 10 $1,610,000 $161,000 $2,876 3.65%
Greenwood, SC (FHA|USDA|VA) 8 $1,490,000 $186,250 $5,201 3.36%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,485,000 $297,000 $4,352 3.78%
Frankfort, KY (FHA|USDA|VA) 4 $1,430,000 $357,500 $5,005 3.09%
Dayton, TN (FHA|USDA|VA) 8 $1,380,000 $172,500 $3,047 3.61%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,360,000 $340,000 $5,312 3.09%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,280,000 $320,000 $4,256 3.31%
Gaffney, SC (FHA|USDA|VA) 5 $1,245,000 $249,000 $4,308 3.30%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $1,235,000 $411,667 $8,214 3.83%
READING, PA (FHA|USDA|VA) 3 $1,195,000 $398,333 $4,509 3.46%
Boone, NC (FHA|USDA|VA) 3 $1,175,000 $391,667 $4,362 3.42%
St. Marys, GA (FHA|USDA|VA) 4 $1,160,000 $290,000 $7,357 3.81%
Douglas, GA (FHA|USDA|VA) 7 $1,155,000 $165,000 $4,364 2.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,110,000 $185,000 $3,278 3.27%
Thomaston, GA (FHA|USDA|VA) 6 $1,090,000 $181,667 $5,296 3.52%
Lake City, FL (FHA|USDA|VA) 7 $1,085,000 $155,000 $4,459 3.73%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,080,000 $270,000 $6,189 4.03%
Murray, KY (FHA|USDA|VA) 5 $1,075,000 $215,000 $3,550 3.55%
BRUNSWICK, GA (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,977 3.33%
CHARLESTON, WV (FHA|USDA|VA) 4 $930,000 $232,500 $3,733 3.56%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $890,000 $222,500 $5,352 3.59%
LEBANON, PA (FHA|USDA|VA) 4 $880,000 $220,000 $3,435 3.25%
CUMBERLAND, MD-WV (FHA|USDA|VA) 4 $820,000 $205,000 $5,109 3.41%
Waycross, GA (FHA|USDA|VA) 5 $815,000 $163,000 $5,438 3.68%
Clewiston, FL (FHA|USDA|VA) 5 $815,000 $163,000 $6,211 4.18%
Union, SC (FHA|USDA|VA) 3 $805,000 $268,333 $5,565 3.50%
Athens, TN (FHA|USDA|VA) 3 $765,000 $255,000 $4,457 3.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $760,000 $380,000 $2,742 3.13%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 3 $735,000 $245,000 $4,918 3.63%
Stephenville, TX (FHA|USDA|VA) 1 $705,000 $705,000 $8,366 4.13%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $660,000 $165,000 $4,996 3.66%
LONGVIEW, TX (FHA|USDA|VA) 2 $650,000 $325,000 $8,997 4.06%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $650,000 $325,000 $6,808 3.25%
Wauchula, FL (FHA|USDA|VA) 3 $645,000 $215,000 $5,614 3.88%
LaGrange, GA-AL (FHA|USDA|VA) 2 $620,000 $310,000 $6,824 3.13%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $605,000 $605,000 $11,220 3.63%
Campbellsville, KY (FHA|USDA|VA) 2 $600,000 $300,000 $5,050 3.75%
Dublin, GA (FHA|USDA|VA) 4 $590,000 $147,500 $6,355 3.28%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $590,000 $295,000 $5,998 3.63%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $550,000 $275,000 $11,386 3.13%
ALBANY, GA (FHA|USDA|VA) 2 $550,000 $275,000 $5,655 3.31%
Marion, NC (FHA|USDA|VA) 2 $530,000 $265,000 $5,694 4.00%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $525,000 $525,000 $2,775 4.00%
Easton, MD (FHA|USDA|VA) 2 $520,000 $260,000 $2,847 3.44%
KNOXVILLE, TN (FHA|USDA|VA) 1 $515,000 $515,000 $4,961 4.75%
Jefferson, GA (FHA|USDA|VA) 1 $515,000 $515,000 $9,069 3.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $510,000 $255,000 $4,929 3.31%
Paragould, AR (FHA|USDA|VA) 2 $490,000 $245,000 $4,207 3.50%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $485,000 $485,000 $4,078 3.25%
El Campo, TX (FHA|USDA|VA) 1 $485,000 $485,000 $17,196 2.88%
Henderson, NC (FHA|USDA|VA) 2 $470,000 $235,000 $5,524 3.44%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $455,000 $455,000 $11,411 4.38%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $445,000 $445,000 $5,427 3.25%
Sanford, NC (FHA|USDA|VA) 3 $445,000 $148,333 $4,198 2.96%
Cambridge, MD (FHA|USDA|VA) 1 $435,000 $435,000 $3,373 3.25%
Bluefield, WV-VA (FHA|USDA|VA) 2 $420,000 $210,000 $2,381 3.13%
Okeechobee, FL (FHA|USDA|VA) 2 $420,000 $210,000 $5,335 3.56%
VALDOSTA, GA (FHA|USDA|VA) 1 $415,000 $415,000 $8,223 3.50%
Corsicana, TX (FHA|USDA|VA) 1 $415,000 $415,000 $7,759 3.75%
THE VILLAGES, FL (FHA|USDA|VA) 1 $395,000 $395,000 $4,571 4.13%
Morehead City, NC (FHA|USDA|VA) 1 $395,000 $395,000 $7,403 2.88%
Lufkin, TX (FHA|USDA|VA) 1 $395,000 $395,000 $7,937 3.38%
MIDLAND, TX (FHA|USDA|VA) 1 $395,000 $395,000 $7,580 3.63%
ROME, GA (FHA|USDA|VA) 1 $395,000 $395,000 $7,741 3.50%
Oneonta, NY (FHA|USDA|VA) 2 $360,000 $180,000 $3,778 3.81%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $355,000 $355,000 $3,878 3.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $355,000 $355,000 $9,440 5.38%
Rockingham, NC (FHA|USDA|VA) 2 $350,000 $175,000 $4,775 3.13%
LOUISVILLE, KY (FHA|USDA|VA) 1 $345,000 $345,000 $3,112 2.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $345,000 $345,000 $3,517 4.00%
Pearsall, TX (FHA|USDA|VA) 1 $335,000 $335,000 $7,272 4.25%
SYRACUSE, NY (FHA|USDA|VA) 2 $320,000 $160,000 $4,431 3.31%
Raymondville, TX (FHA|USDA|VA) 1 $315,000 $315,000 $1,705 3.75%
Brenham, TX (FHA|USDA|VA) 1 $305,000 $305,000 $5,802 4.63%
Bardstown, KY (FHA|USDA|VA) 1 $305,000 $305,000 $5,782 2.88%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $295,000 $295,000 $2,949 3.38%
FLORENCE, SC (FHA|USDA|VA) 1 $275,000 $275,000 $7,909 4.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $3,550 2.75%
Georgetown, SC (FHA|USDA|VA) 1 $265,000 $265,000 $5,570 2.88%
GOLDSBORO, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,655 2.75%
Martin, TN (FHA|USDA|VA) 1 $255,000 $255,000 $4,521 5.25%
Jennings, LA (FHA|USDA|VA) 1 $255,000 $255,000 $5,341 3.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $245,000 $245,000 $4,177 3.50%
Bonham, TX (FHA|USDA|VA) 1 $235,000 $235,000 $6,474 4.25%
Calhoun, GA (FHA|USDA|VA) 1 $235,000 $235,000 $5,692 3.38%
Milledgeville, GA (FHA|USDA|VA) 2 $230,000 $115,000 $4,339 3.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $225,000 $225,000 $5,441 4.13%
Huntsville, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,078 3.63%
Eufaula, AL-GA (FHA|USDA|VA) 1 $215,000 $215,000 $3,878 3.50%
Alice, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,626 4.75%
Silver City, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,722 3.88%
Uvalde, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,778 3.63%
Hereford, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,593 4.00%
JACKSON, MS (FHA|USDA|VA) 2 $200,000 $100,000 $3,435 3.25%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $185,000 $185,000 $3,144 4.25%
Elizabeth City, NC (FHA|USDA|VA) 1 $185,000 $185,000 $4,724 3.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,399 3.13%
UTICA-ROME, NY (FHA|USDA|VA) 1 $165,000 $165,000 $3,070 3.50%
SAN ANGELO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,439 3.75%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $155,000 $155,000 $3,494 4.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,475 3.38%
BATON ROUGE, LA (FHA|USDA|VA) 1 $145,000 $145,000 $4,128 3.50%
ABILENE, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,425 3.50%
TYLER, TX (FHA|USDA|VA) 1 $125,000 $125,000 $7,526 3.88%
Elkins, WV (FHA|USDA|VA) 1 $125,000 $125,000 $2,077 3.25%
Tifton, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,981 4.00%
BECKLEY, WV (FHA|USDA|VA) 1 $115,000 $115,000 $3,676 3.50%
Moultrie, GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,083 3.13%
Norwalk, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,411 3.88%
Fitzgerald, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,010 3.00%
WACO, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,761 3.75%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $75,000 $75,000 $3,783 3.63%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,435 2.75%
Clarksburg, WV (FHA|USDA|VA) 1 $65,000 $65,000 $3,200 4.13%
Cortland, NY (FHA|USDA|VA) 1 $65,000 $65,000 $2,950 2.63%
ROCHESTER, NY (FHA|USDA|VA) 1 $55,000 $55,000 $3,452 3.38%
Agfirst Farm Credit Bank's top markets include Charlotte, Winston, Greensboro, Greenville, and Atlanta among others.

Their top states include:
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Virginia (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 2,703 $705,455,000 $260,990 $5,423 3.60%

    For 2020, Agfirst Farm Credit Bank's most frequently originated type of loan was Conventional, with 2,703 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,321 $366,575,000 $277,498 $6,138 3.94%
    Refi 873 $216,275,000 $247,738 $4,682 3.17%
    Cash Out Refi 504 $121,880,000 $241,825 $4,836 3.43%
    Other 5 $725,000 $145,000 $0 3.98%

    For 2020, Agfirst Farm Credit Bank's most frequently cited loan purpose was Home Purchase, with 1,321 originations. The 2nd most popular reason was Refi, with 873 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,392 $375,890,000 $270,036 $5,079 3.49%
    30+ year 582 $175,730,000 $301,942 $7,433 4.47%
    15 Year 447 $92,005,000 $205,828 $4,339 2.97%
    20 Year 183 $40,795,000 $222,923 $4,479 3.28%
    Other 59 $15,135,000 $256,525 $6,022 3.56%
    10 Year 40 $5,900,000 $147,500 $3,784 3.04%

    For 2020, Agfirst Farm Credit Bank's most frequently cited loan duration was 30 Year, with 1,392 originations. The 2nd most popular length was 30+ year, with 582 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 568 $136,610,000 $240,511
    $2k-3k 522 $108,240,000 $207,356
    $1k-2k 520 $95,150,000 $182,981
    $3k-4k 489 $136,045,000 $278,211
    $5k+ 301 $127,835,000 $424,701
    $4k-5k 298 $100,850,000 $338,423

    Agfirst Farm Credit Bank's average total fees were $5,079, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 568 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,495 $394,245,000 $263,709
    4-5% 612 $172,490,000 $281,846
    2.5-3% 533 $121,975,000 $228,846
    5-6% 36 $10,540,000 $292,778
    <2.5% 27 $6,205,000 $229,815

    During 2020, Agfirst Farm Credit Bank's average interest rate for loans was 3.49%, while their most frequently originated rate bucket for loans was 3-4%, with 1,495 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,348 $384,230,000 $285,037 $5,788 3.65%
    $100k-200k 815 $126,275,000 $154,939 $4,157 3.50%
    $400k-600k 338 $156,990,000 $464,467 $7,606 3.72%
    $100,000 or less 169 $13,435,000 $79,497 $3,354 3.38%
    $600k-1MM 31 $22,055,000 $711,452 $8,393 3.66%
    $1MM+ 2 $2,470,000 $1,235,000 $32,803 3.31%

    2020 saw Agfirst Farm Credit Bank place emphasis on $200k-400k loans with 1,348 originations, totaling $384,230,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 782 $222,790,000 $284,898 $5,725 3.58%
    $75k-100k 573 $133,365,000 $232,749 $5,233 3.64%
    $50k-75k 520 $101,120,000 $194,462 $4,676 3.65%
    $150k-250k 468 $161,510,000 $345,107 $6,218 3.53%
    $50k or less 236 $32,940,000 $139,576 $4,085 3.60%
    $250k+ 124 $53,730,000 $433,306 $7,059 3.46%

    Agfirst Farm Credit Bank lent most frequently to those with incomes in the $100k-150k range, with 782 originations. The second most popular income band? $75k-100k, with 573 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 813 $206,505,000 $254,004 $5,230 3.46%
    30-36% 574 $155,820,000 $271,463 $5,576 3.65%
    <20% 326 $75,660,000 $232,086 $4,840 3.34%
    36% 108 $28,370,000 $262,685 $5,415 3.61%
    39% 106 $27,580,000 $260,189 $5,860 3.67%
    37% 105 $30,115,000 $286,810 $5,867 3.65%
    41% 101 $26,665,000 $264,010 $5,856 3.64%
    42% 101 $25,085,000 $248,366 $5,232 3.66%
    38% 92 $25,660,000 $278,913 $5,269 3.76%
    40% 86 $21,970,000 $255,465 $5,445 3.74%
    43% 58 $16,660,000 $287,241 $6,503 3.98%
    44% 52 $13,730,000 $264,038 $5,748 4.01%
    47% 46 $12,930,000 $281,087 $6,195 4.00%
    45% 41 $11,915,000 $290,610 $5,559 4.00%
    46% 40 $11,240,000 $281,000 $5,561 3.88%
    49% 28 $7,940,000 $283,571 $5,800 4.05%
    48% 26 $7,610,000 $292,692 $6,110 3.95%

    Agfirst Farm Credit Bank lent most frequently to those with DTI ratios of 20-30%, with 813 originations. The next most common DTI ratio? 30-36%, with 574 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,510 $650,280,000 $259,076 $5,396 3.59%
    Not provided 140 $39,590,000 $282,786 $5,503 3.57%
    Black 31 $8,855,000 $285,645 $6,973 4.05%
    American Indian 9 $2,615,000 $290,556 $5,811 3.54%
    Asian 7 $1,805,000 $257,857 $4,993 3.09%
    Other Pacific Islander 2 $980,000 $490,000 $8,010 3.38%
    Filipino 2 $870,000 $435,000 $10,119 3.63%
    Other Asian 1 $295,000 $295,000 $2,676 3.63%
    Asian Indian 1 $165,000 $165,000 $2,807 3.38%

    Approval Rates

    Total approvals of all applications
    88.53%

    Agfirst Farm Credit Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    93.19%

    Agfirst Farm Credit Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,703 $705,455,000 $260,990

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 140 $18,300,000 $130,714
    Single Family (1-4 Units):Site-Built 2,563 $687,155,000 $268,106

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 145 $24,295,000 $167,552 $4,072 3.24%
    40-60% 447 $103,565,000 $231,689 $4,851 3.32%
    60-80% 1,208 $331,640,000 $274,536 $5,431 3.57%
    80-100% 886 $243,780,000 $275,147 $5,952 3.83%
    Under 20% 17 $2,175,000 $127,941 $3,856 3.19%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    ASPIRE FINANCIAL INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%