# AgCarolina Farm Credit, FLCA

> **Canonical URL:** https://saferate.com/lenders/agcarolina-farm-credit-flca


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AgCarolina Farm Credit, FLCA is a independent mortgage company, headquartered in Raleigh, NC, with 152 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 95% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300XYK7KGXCRSH318
- **Headquarters:** Raleigh, NC
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 5/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.478%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,500
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 152
- **Dollar Volume:** $55 million
- **Applications Received:** 198
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $360,789
- **Average Borrower Income:** $211,184
- **Average Property Value:** $645,921

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 143 | +1.483% | $3,343 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 110 loans, Score: 35/100 (Acceptable)
- Refinance: 33 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 119 | $46M | +1.384% | Acceptable 🙂 |
| Refinance | 36/100 | 33 | $8M | +1.673% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 152 | 0.10% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 71 | 55/100 |
| Raleigh | NC | 37 | 63/100 |
| Rocky Mount, NC | NC | 10 | 53/100 |

## Where This Lender Ranks

AgCarolina Farm Credit, FLCA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Rocky Mount, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rocky-mount-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does AgCarolina Farm Credit, FLCA offer?

AgCarolina Farm Credit, FLCA offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AgCarolina Farm Credit, FLCA offer mortgages?

AgCarolina Farm Credit, FLCA offers mortgages in 1 states: NC.

### How competitive are AgCarolina Farm Credit, FLCA's mortgage rates?

AgCarolina Farm Credit, FLCA has a pricing score of 5/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.478% above market average.

### What type of lender is AgCarolina Farm Credit, FLCA?

AgCarolina Farm Credit, FLCA is a non-depository lender that specializes in mortgage origination, headquartered in Raleigh, NC.

### What is AgCarolina Farm Credit, FLCA's loan approval success rate?

AgCarolina Farm Credit, FLCA has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/agcarolina-farm-credit-flca

### How to Cite

> "AgCarolina Farm Credit, FLCA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/agcarolina-farm-credit-flca

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