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AgSouth Farm Credit, ACA

Independent Mortgage CompanyStatesboro, GADirect to Consumer

Agsouth Farm Credit Aca has 48 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Mediocre
vs. all lenders
Pull Through
Mediocre
closing strength
Products
Acceptable
Conventional
Place
Active
Regional

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Safe Rate's Summary

Things to Think About

  • Rates typically 159 basis points above market average
  • Pull through efficiency is below industry average

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Report Card

AgSouth Farm Credit, ACA performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+158.7 bps above market avg
Pull Through
Closing strength
Mediocre
Below peers
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Acceptable
Near industry average
Bottom 40% of lenders
Regional1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Mediocre
Acceptable
Mediocre
Mediocre
48100.0%
+1.587%Above
$1,477Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Mediocre
Acceptable
Mediocre
3368.8%
+1.737%Above
$2,738Fees
Refinance
Mediocre
Acceptable
Mediocre
1531.3%
+1.477%Above
$552Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
48
Applications
324
Volume
$13 million
Pricing & Closing
Avg Rate Spread
+1.587%
vs. market APOR
Avg Net Fees
$1,477
Origination − Credits
Pullthrough Rate
14.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$285,833
Avg Borrower Income
$185,729
Avg Property Value
$429,167

Geographic Coverage

Geographic Performance

Metro Areas
0
States Served
3
We count Washington DC as a state
Avg Place Specialization
N/A

States with Loan Originations

GANCSC

Top States by Place Specialization Score

1
NCState
Volume: 39Mix: 81.25%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.