# AgFirst Farm Credit Bank

> **Canonical URL:** https://saferate.com/lenders/agfirst-farm-credit-bank


> **📋 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


AgFirst Farm Credit Bank is a independent mortgage company, headquartered in Columbia, SC, serving borrowers across 12 states, with 1,047 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** MMO6VV34TNP4Z1T8NG83
- **Headquarters:** Columbia, SC
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** FL, GA, KY, MD, NC, NY, PA, SC, TN, TX, VA, WV
- **Markets (MSAs):** 16
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.615%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,777
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,047
- **Dollar Volume:** $424 million
- **Applications Received:** 1,202
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $404,723
- **Average Borrower Income:** $151,614
- **Average Property Value:** $568,687

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 1,043 | +0.616% | $3,764 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 964 loans, Score: 66/100 (Strong)
- Refinance: 79 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 968 | $400M | +0.608% | Strong 😀 |
| Refinance | 46/100 | 79 | $24M | +0.633% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 352 | 0.24% | 73/100 |
| SC | 228 | 0.28% | 76/100 |
| GA | 148 | 0.11% | 66/100 |
| FL | 67 | 0.02% | 52/100 |
| KY | 19 | 0.04% | 46/100 |
| VA | 19 | 0.02% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 383 | 71/100 |
| Charlotte | NC-SC | 108 | 69/100 |
| Greenville | SC | 65 | 69/100 |
| Greensboro | NC | 51 | 65/100 |
| Columbia, SC | SC | 47 | 63/100 |
| Winston | NC | 47 | 65/100 |
| Atlanta | GA | 41 | 54/100 |
| Hickory | NC | 40 | 63/100 |
| Augusta | GA-SC | 28 | 57/100 |
| Durham | NC | 28 | 57/100 |
| Burlington, NC | NC | 16 | 53/100 |
| Charleston | SC | 16 | 47/100 |
| Spartanburg, SC | SC | 15 | 48/100 |
| Asheville, NC | NC | 14 | 47/100 |
| Pensacola | FL | 13 | 44/100 |

## Where This Lender Ranks

AgFirst Farm Credit Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#19** in Pinehurst for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does AgFirst Farm Credit Bank offer?

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

### Where does AgFirst Farm Credit Bank offer mortgages?

AgFirst Farm Credit Bank offers mortgages in 12 states: FL, GA, KY, MD, NC, NY, PA, SC, TN, TX, VA, WV.

### How competitive are AgFirst Farm Credit Bank's mortgage rates?

AgFirst Farm Credit Bank has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.615% above market average.

### What type of lender is AgFirst Farm Credit Bank?

AgFirst Farm Credit Bank is a non-depository lender that specializes in mortgage origination, headquartered in Columbia, SC.

### What is AgFirst Farm Credit Bank's loan approval success rate?

AgFirst Farm Credit Bank has a pull-through score of 57/100 (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/agfirst-farm-credit-bank

### How to Cite

> "AgFirst Farm Credit Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/agfirst-farm-credit-bank

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