Agfirst Farm Credit Bank Mortgage Lending & HMDA Data, 2025

In 2025, Agfirst Farm Credit Bank of Columbia, SC reported 397 mortgage applications totaling $139.3 million, down 69% from 2024. The average application was for $350,969, and applicants reported an average income of $153,103. 81% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (28), Columbia, SC (26) and Winston-Salem, NC (25) (applications in parentheses).

Mortgage Company & Address Agfirst Farm Credit Bank
1901 Main Street
Columbia, SC 29201
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 397
Total Mortgage Loan Application Amount $139,335,000
Average Mortgage Loan Application Amount $350,969
Highest Mortgage Loan Application Amount $1,965,000
Average Applicant Income $153,103
Highest Applicant Income $1,984,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Agfirst Farm Credit Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Agfirst Farm Credit Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Bulloch, Georgia 12 $ 3,980,000 $ 331,666 $ 133,000
Stokes, North Carolina 12 $ 3,430,000 $ 285,833 $ 118,000
Lexington, South Carolina 11 $ 3,535,000 $ 321,363 $ 150,000
Screven, Georgia 10 $ 3,900,000 $ 390,000 $ 241,000
Guilford, North Carolina 9 $ 3,725,000 $ 413,888 $ 171,000
Carroll, Georgia 8 $ 3,950,000 $ 493,750 $ 256,000
Rockingham, North Carolina 8 $ 2,500,000 $ 312,500 $ 106,000
Caldwell, North Carolina 7 $ 1,565,000 $ 223,571 $ 85,000
Aiken, South Carolina 7 $ 2,075,000 $ 296,428 $ 131,000
Effingham, Georgia 6 $ 2,350,000 $ 391,666 $ 175,000
Surry, North Carolina 6 $ 2,430,000 $ 405,000 $ 142,000
Wilkes, North Carolina 6 $ 1,780,000 $ 296,666 $ 127,000
Meriwether, Georgia 5 $ 1,235,000 $ 247,000 $ 137,000
Lancaster, South Carolina 5 $ 1,565,000 $ 313,000 $ 121,000
Saluda, South Carolina 5 $ 1,885,000 $ 377,000 $ 106,000
Hillsborough, Florida 4 $ 1,120,000 $ 280,000 $ 61,000
Putnam, Florida 4 $ 720,000 $ 180,000 $ 105,000
Marion, Kentucky 4 $ 1,460,000 $ 365,000 $ 154,000
Alamance, North Carolina 4 $ 1,430,000 $ 357,500 $ 121,000
Caswell, North Carolina 4 $ 1,510,000 $ 377,500 $ 121,000
Cleveland, North Carolina 4 $ 1,590,000 $ 397,500 $ 90,000
Forsyth, North Carolina 4 $ 1,590,000 $ 397,500 $ 207,000
Iredell, North Carolina 4 $ 1,770,000 $ 442,500 $ 136,000
Randolph, North Carolina 4 $ 1,290,000 $ 322,500 $ 567,000
Rowan, North Carolina 4 $ 1,470,000 $ 367,500 $ 106,000
Yadkin, North Carolina 4 $ 1,120,000 $ 280,000 $ 94,000
Anderson, South Carolina 4 $ 1,340,000 $ 335,000 $ 185,000
Chester, South Carolina 4 $ 930,000 $ 232,500 $ 137,000
Laurens, South Carolina 4 $ 2,130,000 $ 532,500 $ 216,000
York, South Carolina 4 $ 2,310,000 $ 577,500 $ 382,000
Alachua, Florida 3 $ 565,000 $ 188,333 $ 81,000
Levy, Florida 3 $ 775,000 $ 258,333 $ 153,000
Evans, Georgia 3 $ 875,000 $ 291,666 $ 132,000
Haralson, Georgia 3 $ 2,695,000 $ 898,333 $ 501,000
Liberty, Georgia 3 $ 1,785,000 $ 595,000 $ 225,000
Morgan, Georgia 3 $ 1,615,000 $ 538,333 $ 226,000
Alexander, North Carolina 3 $ 605,000 $ 201,666 $ 79,000
Burke, North Carolina 3 $ 1,355,000 $ 451,666 $ 185,000
Catawba, North Carolina 3 $ 975,000 $ 325,000 $ 110,000
Chatham, North Carolina 3 $ 1,275,000 $ 425,000 $ 123,000
Davidson, North Carolina 3 $ 505,000 $ 168,333 $ 79,000
Granville, North Carolina 3 $ 1,405,000 $ 468,333 $ 138,000
Moore, North Carolina 3 $ 1,435,000 $ 478,333 $ 119,000
Union, North Carolina 3 $ 1,385,000 $ 461,666 $ 184,000
Charleston, South Carolina 3 $ 1,345,000 $ 448,333 $ 190,000
Fairfield, South Carolina 3 $ 765,000 $ 255,000 $ 73,000
Kershaw, South Carolina 3 $ 1,555,000 $ 518,333 $ 108,000
Newberry, South Carolina 3 $ 955,000 $ 318,333 $ 128,000
Gadsden, Florida 2 $ 850,000 $ 425,000 $ 140,000
Jackson, Florida 2 $ 530,000 $ 265,000 $ 101,000
Marion, Florida 2 $ 950,000 $ 475,000 $ 193,000
Santa Rosa, Florida 2 $ 630,000 $ 315,000 $ 120,000
Sumter, Florida 2 $ 1,120,000 $ 560,000 $ 176,000
Bacon, Georgia 2 $ 320,000 $ 160,000 $ 94,000
Candler, Georgia 2 $ 720,000 $ 360,000 $ 155,000
Jeff Davis, Georgia 2 $ 280,000 $ 140,000 $ 75,000
Warren, Georgia 2 $ 930,000 $ 465,000 $ 181,000
Anderson, Kentucky 2 $ 680,000 $ 340,000 $ 99,000
Boyle, Kentucky 2 $ 270,000 $ 135,000 $ 37,000
Harrison, Kentucky 2 $ 1,150,000 $ 575,000 $ 113,000
Madison, Kentucky 2 $ 520,000 $ 260,000 $ 111,000
Washington, Kentucky 2 $ 330,000 $ 165,000 $ 73,000
Anson, North Carolina 2 $ 600,000 $ 300,000 $ 110,000
Davie, North Carolina 2 $ 840,000 $ 420,000 $ 151,000
Durham, North Carolina 2 $ 790,000 $ 395,000 $ 151,000
Lee, North Carolina 2 $ 540,000 $ 270,000 $ 103,000
Macon, North Carolina 2 $ 500,000 $ 250,000 $ 91,000
Mitchell, North Carolina 2 $ 680,000 $ 340,000 $ 105,000
Person, North Carolina 2 $ 760,000 $ 380,000 $ 130,000
Yancey, North Carolina 2 $ 390,000 $ 195,000 $ 118,000
Abbeville, South Carolina 2 $ 350,000 $ 175,000 $ 42,000
Berkeley, South Carolina 2 $ 1,110,000 $ 555,000 $ 134,000
Calhoun, South Carolina 2 $ 730,000 $ 365,000 $ 92,000
Colleton, South Carolina 2 $ 420,000 $ 210,000 $ 798,000
Jasper, South Carolina 2 $ 690,000 $ 345,000 $ 77,000
Oconee, South Carolina 2 $ 690,000 $ 345,000 $ 242,000
Richland, South Carolina 2 $ 800,000 $ 400,000 $ 128,000
Dinwiddie, Virginia 2 $ 500,000 $ 250,000 $ 86,000
Lunenburg, Virginia 2 $ 580,000 $ 290,000 $ 128,000
Citrus, Florida 1 $ 545,000 $ 545,000 $ 295,000
Columbia, Florida 1 $ 155,000 $ 155,000 $ 108,000
Flagler, Florida 1 $ 615,000 $ 615,000 $ 193,000
Franklin, Florida 1 $ 535,000 $ 535,000 $ 211,000
Gilchrist, Florida 1 $ 35,000 $ 35,000 $ 24,000
Hamilton, Florida 1 $ 205,000 $ 205,000 $ 73,000
Lafayette, Florida 1 $ 175,000 $ 175,000 $ 142,000
Lake, Florida 1 $ 155,000 $ 155,000 $ 48,000
Lee, Florida 1 $ 275,000 $ 275,000 $ 185,000
Leon, Florida 1 $ 85,000 $ 85,000 $ 31,000
Madison, Florida 1 $ 315,000 $ 315,000 $ 78,000
Miami-Dade, Florida 1 $ 175,000 $ 175,000 $ 104,000
Okeechobee, Florida 1 $ 175,000 $ 175,000 $ 221,000
Polk, Florida 1 $ 325,000 $ 325,000 $ 97,000
Suwannee, Florida 1 $ 355,000 $ 355,000 $ 165,000
Appling, Georgia 1 $ 385,000 $ 385,000 $ 96,000
Butts, Georgia 1 $ 425,000 $ 425,000 $ 114,000
Camden, Georgia 1 $ 615,000 $ 615,000 $ 131,000
Coffee, Georgia 1 $ 95,000 $ 95,000 $ 116,000
Coweta, Georgia 1 $ 275,000 $ 275,000 $ 91,000
Crisp, Georgia 1 $ 405,000 $ 405,000 $ 500,000
Elbert, Georgia 1 $ 225,000 $ 225,000 $ 133,000
Franklin, Georgia 1 $ 145,000 $ 145,000 $ 70,000
Gordon, Georgia 1 $ 545,000 $ 545,000 $ 124,000
Grady, Georgia 1 $ 355,000 $ 355,000 $ 273,000
Greene, Georgia 1 $ 245,000 $ 245,000 $ 191,000
Heard, Georgia 1 $ 315,000 $ 315,000 $ 133,000
Jasper, Georgia 1 $ 255,000 $ 255,000 $ 214,000
Jefferson, Georgia 1 $ 175,000 $ 175,000 $ 70,000
Lamar, Georgia 1 $ 545,000 $ 545,000 $ 229,000
Madison, Georgia 1 $ 395,000 $ 395,000 $ 94,000
Montgomery, Georgia 1 $ 235,000 $ 235,000 $ 113,000
Oglethorpe, Georgia 1 $ 405,000 $ 405,000 $ 154,000
Paulding, Georgia 1 $ 715,000 $ 715,000 $ 151,000
Pickens, Georgia 1 $ 865,000 $ 865,000 $ 203,000
Richmond, Georgia 1 $ 285,000 $ 285,000 $ 166,000
Spalding, Georgia 1 $ 105,000 $ 105,000 $ 67,000
Wilkes, Georgia 1 $ 265,000 $ 265,000 $ 91,000
Wilkinson, Georgia 1 $ 335,000 $ 335,000 $ 107,000
Graves, Kentucky 1 $ 65,000 $ 65,000 $ 38,000
Jackson, Kentucky 1 $ 165,000 $ 165,000 $ 91,000
Lincoln, Kentucky 1 $ 305,000 $ 305,000 $ 111,000
Marshall, Kentucky 1 $ 165,000 $ 165,000 $ 71,000
Mercer, Kentucky 1 $ 265,000 $ 265,000 $ 87,000
Rockcastle, Kentucky 1 $ 315,000 $ 315,000 $ 111,000
Taylor, Kentucky 1 $ 205,000 $ 205,000 $ 97,000
Woodford, Kentucky 1 $ 645,000 $ 645,000 $ 243,000
St. Mary's, Maryland 1 $ 265,000 $ 265,000 $ 99,000
Genesee, New York 1 $ 185,000 $ 185,000 $ 118,000
Alleghany, North Carolina 1 $ 105,000 $ 105,000 $ 47,000
Ashe, North Carolina 1 $ 285,000 $ 285,000 $ 92,000
Cabarrus, North Carolina 1 $ 655,000 $ 655,000 $ 160,000
Cherokee, North Carolina 1 $ 135,000 $ 135,000 $ 68,000
Jackson, North Carolina 1 $ 485,000 $ 485,000 $ 88,000
Lincoln, North Carolina 1 $ 135,000 $ 135,000 $ 109,000
Montgomery, North Carolina 1 $ 515,000 $ 515,000 $ 202,000
Orange, North Carolina 1 $ 465,000 $ 465,000 $ 112,000
Richmond, North Carolina 1 $ 485,000 $ 485,000 $ 138,000
Rutherford, North Carolina 1 $ 475,000 $ 475,000 $ 213,000
Stanly, North Carolina 1 $ 295,000 $ 295,000 $ 132,000
Swain, North Carolina 1 $ 155,000 $ 155,000 $ 88,000
Watauga, North Carolina 1 $ 1,965,000 $ 1,965,000 $ 1,274,000
York, Pennsylvania 1 $ 225,000 $ 225,000 $ 44,000
Bamberg, South Carolina 1 $ 95,000 $ 95,000 $ 49,000
Barnwell, South Carolina 1 $ 285,000 $ 285,000 $ 121,000
Cherokee, South Carolina 1 $ 235,000 $ 235,000 $ 65,000
Chesterfield, South Carolina 1 $ 475,000 $ 475,000 $ 106,000
Dorchester, South Carolina 1 $ 335,000 $ 335,000 $ 110,000
Hampton, South Carolina 1 $ 185,000 $ 185,000 $ 80,000
Marlboro, South Carolina 1 $ 135,000 $ 135,000 $ 29,000
McCormick, South Carolina 1 $ 175,000 $ 175,000 $ 60,000
Orangeburg, South Carolina 1 $ 145,000 $ 145,000 $ 65,000
Pickens, South Carolina 1 $ 55,000 $ 55,000 $ 44,000
Spartanburg, South Carolina 1 $ 425,000 $ 425,000 $ 114,000
Sumter, South Carolina 1 $ 475,000 $ 475,000 $ 172,000
Williamsburg, South Carolina 1 $ 345,000 $ 345,000 $ 159,000
Austin, Texas 1 $ 805,000 $ 805,000 $ 392,000
Bee, Texas 1 $ 605,000 $ 605,000 $ 245,000
Callahan, Texas 1 $ 375,000 $ 375,000 $ 104,000
Falls, Texas 1 $ 335,000 $ 335,000 $ 149,000
Jeff Davis, Texas 1 $ 385,000 $ 385,000 $ 181,000
Jim Wells, Texas 1 $ 555,000 $ 555,000 $ 283,000
Knox, Texas 1 $ 305,000 $ 305,000 $ 169,000
McLennan, Texas 1 $ 415,000 $ 415,000 $ 190,000
Montgomery, Texas 1 $ 475,000 $ 475,000 $ 234,000
Tom Green, Texas 1 $ 715,000 $ 715,000 $ 660,000
Waller, Texas 1 $ 255,000 $ 255,000 $ 234,000
Amherst, Virginia 1 $ 245,000 $ 245,000 $ 72,000
Appomattox, Virginia 1 $ 355,000 $ 355,000 $ 167,000
Augusta, Virginia 1 $ 545,000 $ 545,000 $ 128,000
Floyd, Virginia 1 $ 245,000 $ 245,000 $ 64,000
Franklin, Virginia 1 $ 385,000 $ 385,000 $ 177,000
Halifax, Virginia 1 $ 515,000 $ 515,000 $ 130,000
Henry, Virginia 1 $ 185,000 $ 185,000 $ 48,000
Isle of Wight, Virginia 1 $ 515,000 $ 515,000 $ 204,000
Loudoun, Virginia 1 $ 95,000 $ 95,000 $ 59,000
Louisa, Virginia 1 $ 445,000 $ 445,000 $ 171,000
Orange, Virginia 1 $ 315,000 $ 315,000 $ 134,000
Rappahannock, Virginia 1 $ 405,000 $ 405,000 $ 150,000
Rockingham, Virginia 1 $ 145,000 $ 145,000 $ 49,000
Sussex, Virginia 1 $ 135,000 $ 135,000 $ 75,000
Warren, Virginia 1 $ 265,000 $ 265,000 $ 190,000
Berkeley, West Virginia 1 $ 255,000 $ 255,000 $ 78,000
Calhoun, West Virginia 1 $ 195,000 $ 195,000 $ 67,000

Mortgage Loan Application Detail Totals for Agfirst Farm Credit Bank in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 230 $87,030,000 $378,000 $1,965,000 $165,000 $1,547,000
Refinancing 59 $22,765,000 $385,000 $1,285,000 $160,000 $949,000
Cash-out Refinancing 56 $17,750,000 $316,000 $865,000 $156,000 $1,984,000
Other Purpose 38 $8,730,000 $229,000 $805,000 $82,000 $243,000
Home Improvement 14 $3,060,000 $218,000 $325,000 $110,000 $315,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 347 $119,235,000 $343,000 $1,965,000 $151,000 $1,984,000
Not Provided 33 $12,885,000 $390,000 $1,125,000 $163,000 $949,000
Hispanic 8 $3,020,000 $377,000 $715,000 $180,000 $660,000
American Indian or Alaskan Native 3 $1,395,000 $465,000 $865,000 $133,000 $203,000
Black or African American 3 $1,055,000 $351,000 $475,000 $110,000 $134,000
Asian 2 $1,280,000 $640,000 $905,000 $324,000 $399,000
Native Hawaiian or Other Pacific Islander 1 $465,000 $465,000 $465,000 $219,000 $219,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 397 $139,335,000 $350,000 $1,965,000 $153,000 $1,984,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 321 $107,805,000 $335,000 $1,965,000 $138,000 $1,274,000
Application Denied By Financial Institution 44 $20,770,000 $472,000 $1,895,000 $223,000 $1,984,000
Application Withdrawn By Applicant 29 $9,775,000 $337,000 $805,000 $219,000 $1,547,000
File Closed For Incompleteness 1 $445,000 $445,000 $445,000 $171,000 $171,000
Application Approved But Not Accepted 1 $145,000 $145,000 $145,000 $52,000 $52,000
Loan Purchased By The Institution 1 $395,000 $395,000 $395,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 353 $118,565,000 $335,000 $1,965,000 $144,000 $1,547,000
Debt-To-Income Ratio 26 $13,020,000 $500,000 $1,285,000 $120,000 $722,000
Collateral 10 $4,870,000 $487,000 $1,895,000 $314,000 $1,214,000
Credit Application Incomplete 3 $1,455,000 $485,000 $505,000 $1,049,000 $1,984,000
Credit History 2 $420,000 $210,000 $325,000 $82,000 $115,000
Insufficient Cash (Downpayment, Closing Cost) 2 $820,000 $410,000 $515,000 $92,000 $100,000
Employment History 1 $185,000 $185,000 $185,000 $84,000 $84,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Agfirst Farm Credit Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Agfirst Farm Credit Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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