AgFirst Farm Credit Bank: 2025 mortgage rates, costs & approvals
How AgFirst Farm Credit Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: AgFirst Farm Credit Bank · LEI MMO6VV34TNP4Z1T8NG83
In 2025, AgFirst Farm Credit Bank originated 236 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 9 states — 1129th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 11 basis points above the national median. Median conventional loan costs were $7,080, 27% higher than the national median ($5,570).
It denied 9.8% of completed home-purchase applications (all lenders: 8.5%).
How AgFirst Farm Credit Bank priced home-purchase loans
| Purchase loans, 2025 | AgFirst Farm Credit Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.24 pts | +0.13 pts |
| Total loan costs · conventional | $7,080 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $4,170 | $1,860 |
| Borrowers paying discount points | 9.7% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 20.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where AgFirst Farm Credit Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| North Carolina | 85 | 94 | 10.9% | 6.500% | $6,940 |
| Georgia | 56 | 67 | 10.2% | 6.375% | $8,370 |
| South Carolina | 45 | 57 | 13.9% | 6.500% | $7,010 |
| Florida | 16 | 16 | — | — | — |
| Kentucky | 14 | 15 | — | — | — |
| Virginia | 12 | 13 | — | — | — |
| Texas | 6 | 6 | — | — | — |
| New York | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open AgFirst Farm Credit Bank's page for that state.
Counties where AgFirst Farm Credit Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Screven County, GA | 2 | 8 | 9.3% |
| Jeff Davis County, TX | 11 | 1 | 7.1% |
| Evans County, GA | 8 | 3 | 5.2% |
| Calhoun County, WV | 12 | 1 | 5.0% |
| Knox County, TX | 17 | 1 | 4.8% |
| Marion County, KY | 12 | 4 | 2.7% |
| Candler County, GA | 12 | 2 | 2.5% |
| Bacon County, GA | 18 | 1 | 2.5% |
| Jeff Davis County, GA | 9 | 2 | 2.4% |
| Saluda County, SC | 15 | 3 | 2.2% |
| Bulloch County, GA | 19 | 10 | 1.2% |
| Anson County, NC | 24 | 2 | 1.1% |
| Yadkin County, NC | 21 | 4 | 1.0% |
| Stokes County, NC | 24 | 6 | 1.0% |
| Wilkes County, NC | 22 | 5 | 0.9% |
Check AgFirst Farm Credit Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI MMO6VV34TNP4Z1T8NG83.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from AgFirst Farm Credit Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology