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AgFirst Farm Credit Bank

Independent Mortgage Company•Columbia, SCHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from AgFirst Farm Credit Bank — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Multi-Region · 15 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 62 basis points above market average

Explore another lender or local market

Report Card

AgFirst Farm Credit Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+61.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume1,043
Mix99.6%
Spread
+0.616%Above
Fees
$3,764Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume968
Mix92.5%
Spread
+0.608%Above
Fees
$3,806Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume79
Mix7.5%
Spread
+0.633%Above
Fees
$3,704Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,047
Applications
1,202
Volume
$423 million
Pricing & Closing
Avg Rate Spread
+0.615%
vs. market APOR
Avg Net Fees
$3,777
Origination − Credits
Pullthrough Rate
87.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$404,723
Avg Borrower Income
$151,614
Avg Property Value
$568,687

Geographic Coverage

Geographic Performance

Metro Areas
15
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

12
12 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NYPA
South10
FLGAKYMDNCSCTNTXVAWV

Top Metro Areas by Place Specialization Score

1© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 108Mix 10.32% of portfolio
69/100
Strong
2© Spatms · CC BY-SA 4.0
Greenville, SCMetro
Volume 65Mix 6.21% of portfolio
69/100
Strong
3© Warren LeMay from Cullowhee, NC, United States · CC0
Greensboro, NCMetro
Volume 51Mix 4.87% of portfolio
65/100
Strong
4© DiscoA340 · CC BY-SA 4.0
Winston, NCMetro
Volume 47Mix 4.49% of portfolio
65/100
Strong
5© Thomas Kirchel · CC BY-SA 4.0
Columbia, SCMetro
Volume 47Mix 4.49% of portfolio
63/100
Strong
6© Unknown authorUnknown author · Public domain
Hickory, NCMetro
Volume 40Mix 3.82% of portfolio
63/100
Strong
7© c_live_lee · CC0
Augusta, GA-SCMetro
Volume 28Mix 2.67% of portfolio
57/100
Sound
8© Atlpedia · CC BY-SA 3.0
Durham, NCMetro
Volume 28Mix 2.67% of portfolio
57/100
Sound
9© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 41Mix 3.92% of portfolio
54/100
Sound
10© Boston Public Library · CC BY 2.0
Burlington, NCMetro
Volume 16Mix 1.53% of portfolio
53/100
Sound
Showing 10 of 15 metro areas

Top States by Place Specialization Score

South Carolina
South Carolina
1
South CarolinaState
Volume 228Mix 21.78% of portfolio
76/100
Strong
North Carolina
North Carolina
2
North CarolinaState
Volume 352Mix 33.62% of portfolio
73/100
Strong
Georgia
Georgia
3
GeorgiaState
Volume 148Mix 14.14% of portfolio
66/100
Strong
Florida
Florida
4
FloridaState
Volume 67Mix 6.40% of portfolio
52/100
Sound
Kentucky
Kentucky
5
KentuckyState
Volume 19Mix 1.81% of portfolio
46/100
Sound
Virginia
Virginia
6
VirginiaState
Volume 19Mix 1.81% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.