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AgFirst Farm Credit Bank
Independent Mortgage Company|Columbia, SC|Multi-Region
Loans Originated
1,047
Applications
1,202
Volume
$423 million
Sources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.615%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,777
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
87.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Rates typically 62 basis points above market average
Report Card
AgFirst Farm Credit Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 16 metro areas · 12 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$404,723
Average Borrower Income
$151,614
Average Property Value
$568,687
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 1,043 | 99.6% | +0.616% | $3,764 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 968 | 92.5% | +0.608% | $3,806 |
Refinance | Acceptable | Sound | Mediocre | Sound | 79 | 7.5% | +0.633% | $3,704 |
Geographic Coverage
Metro Areas
15
States Served
12
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
FLGAKYMDNCNYPASCTNTXVAWV
Top Metro Areas by Place Specialization Score
1
Charlotte, NC-SCMSA
Volume: 108Mix: 10.32%
Place Specialization
Strong
2
Greenville, SCMSA
Volume: 65Mix: 6.21%
Place Specialization
Strong
3
Greensboro, NCMSA
Volume: 51Mix: 4.87%
Place Specialization
Strong
4
Winston, NCMSA
Volume: 47Mix: 4.49%
Place Specialization
Strong
5
Columbia, SC, SCMSA
Volume: 47Mix: 4.49%
Place Specialization
Strong
6
Hickory, NCMSA
Volume: 40Mix: 3.82%
Place Specialization
Strong
7
Augusta, GA-SCMSA
Volume: 28Mix: 2.67%
Place Specialization
Sound
8
Durham, NCMSA
Volume: 28Mix: 2.67%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 41Mix: 3.92%
Place Specialization
Sound
10
Burlington, NC, NCMSA
Volume: 16Mix: 1.53%
Place Specialization
Sound
Showing 10 of 15 metro areas
Top States by Place Specialization Score
1
SCState
Volume: 228Mix: 21.78%
Place Specialization
Strong
2
NCState
Volume: 352Mix: 33.62%
Place Specialization
Strong
3
GAState
Volume: 148Mix: 14.14%
Place Specialization
Strong
4
FLState
Volume: 67Mix: 6.40%
Place Specialization
Sound
5
KYState
Volume: 19Mix: 1.81%
Place Specialization
Sound
6
VAState
Volume: 19Mix: 1.81%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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