Agfirst Farm Credit Bank Mortgage Lending & HMDA Data, 2023
In 2023, Agfirst Farm Credit Bank of Columbia, SC reported 1,270 mortgage applications totaling $460.4 million, down 45% from 2022. The average application was for $362,543, and applicants reported an average income of $136,484. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (86), Greensboro-High Point, NC (68) and Columbia, SC (65) (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 | 1,270 |
| Total Mortgage Loan Application Amount | $460,430,000 |
| Average Mortgage Loan Application Amount | $362,543 |
| Highest Mortgage Loan Application Amount | $1,515,000 |
| Average Applicant Income | $136,484 |
| Highest Applicant Income | $910,000 |
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(HMDA) records Agfirst Farm Credit Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 587 | $ 208,185,000 | $ 354,659 | $ 135,534 |
| Charlotte-Concord-Gastonia, NC-SC | 86 | $ 31,010,000 | $ 360,581 | $ 118,069 |
| Greensboro-High Point, NC | 68 | $ 26,340,000 | $ 387,352 | $ 131,000 |
| Columbia, SC | 65 | $ 24,975,000 | $ 384,230 | $ 149,000 |
| Greenville-Anderson-Mauldin, SC | 64 | $ 24,960,000 | $ 390,000 | $ 148,000 |
| Atlanta-Sandy Springs-Roswell, GA | 57 | $ 22,735,000 | $ 398,859 | $ 153,000 |
| Winston-Salem, NC | 49 | $ 17,695,000 | $ 361,122 | $ 135,000 |
| Hickory-Lenoir-Morganton, NC | 37 | $ 12,775,000 | $ 345,270 | $ 113,000 |
| Durham-Chapel Hill, NC | 26 | $ 9,950,000 | $ 382,692 | $ 148,000 |
| Charleston-North Charleston, SC | 15 | $ 6,385,000 | $ 425,666 | $ 139,000 |
| Asheville, NC | 14 | $ 4,630,000 | $ 330,714 | $ 126,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 5,235,000 | $ 402,692 | $ 183,076 |
| Spartanburg, SC | 13 | $ 4,275,000 | $ 328,846 | $ 96,000 |
| Burlington, NC | 12 | $ 4,240,000 | $ 353,333 | $ 113,000 |
| Richmond, VA | 11 | $ 3,695,000 | $ 335,909 | $ 137,000 |
| Savannah, GA | 10 | $ 3,370,000 | $ 337,000 | $ 132,000 |
| Gainesville, FL | 9 | $ 2,345,000 | $ 260,555 | $ 107,000 |
| Macon-Bibb County, GA | 9 | $ 3,155,000 | $ 350,555 | $ 125,000 |
| Jacksonville, FL | 7 | $ 2,205,000 | $ 315,000 | $ 125,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 2,190,000 | $ 365,000 | $ 135,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 2,555,000 | $ 511,000 | $ 236,000 |
| Roanoke, VA | 5 | $ 1,995,000 | $ 399,000 | $ 172,000 |
| Florence, SC | 4 | $ 840,000 | $ 210,000 | $ 82,000 |
| Hinesville, GA | 4 | $ 1,380,000 | $ 345,000 | $ 113,000 |
| Lakeland-Winter Haven, FL | 4 | $ 1,420,000 | $ 355,000 | $ 150,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,260,000 | $ 315,000 | $ 193,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,170,000 | $ 292,500 | $ 134,000 |
| Warner Robins, GA | 4 | $ 1,640,000 | $ 410,000 | $ 235,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,980,000 | $ 495,000 | $ 156,000 |
| Albany, GA | 3 | $ 1,435,000 | $ 478,333 | $ 168,000 |
| Chattanooga, TN-GA | 3 | $ 865,000 | $ 288,333 | $ 126,000 |
| Columbus, GA-AL | 3 | $ 1,285,000 | $ 428,333 | $ 196,000 |
| Fayetteville, NC | 3 | $ 1,425,000 | $ 475,000 | $ 156,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 515,000 | $ 171,666 | $ 112,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 795,000 | $ 265,000 | $ 91,000 |
| Ocala, FL | 3 | $ 1,195,000 | $ 398,333 | $ 144,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,255,000 | $ 418,333 | $ 97,000 |
| Staunton-Waynesboro, VA | 3 | $ 925,000 | $ 308,333 | $ 95,000 |
| Sumter, SC | 3 | $ 935,000 | $ 311,666 | $ 123,000 |
| Athens-Clarke County, GA | 2 | $ 1,060,000 | $ 530,000 | $ 159,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 670,000 | $ 335,000 | $ 115,000 |
| California-Lexington Park, MD | 2 | $ 960,000 | $ 480,000 | $ 149,000 |
| Charlottesville, VA | 2 | $ 340,000 | $ 170,000 | $ 111,000 |
| Cleveland, TN | 2 | $ 700,000 | $ 350,000 | $ 147,000 |
| Fort Worth-Arlington, TX | 2 | $ 330,000 | $ 165,000 | $ 89,000 |
| Homosassa Springs, FL | 2 | $ 640,000 | $ 320,000 | $ 108,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 960,000 | $ 480,000 | $ 165,000 |
| Tallahassee, FL | 2 | $ 830,000 | $ 415,000 | $ 112,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Auburn-Opelika, AL | 1 | $ 435,000 | $ 435,000 | $ 246,000 |
| College Station-Bryan, TX | 1 | $ 725,000 | $ 725,000 | $ 332,000 |
| Dallas-Plano-Irving, TX | 1 | $ 185,000 | $ 185,000 | $ 164,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 375,000 | $ 375,000 | $ 166,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Harrisonburg, VA | 1 | $ 315,000 | $ 315,000 | $ 143,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 535,000 | $ 535,000 | $ 220,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Jacksonville, NC | 1 | $ 545,000 | $ 545,000 | $ 239,000 |
| Lafayette, LA | 1 | $ 265,000 | $ 265,000 | $ 282,000 |
| Lancaster, PA | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Longview, TX | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Lubbock, TX | 1 | $ 345,000 | $ 345,000 | $ 95,000 |
| Lynchburg, VA | 1 | $ 395,000 | $ 395,000 | $ 123,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 605,000 | $ 605,000 | $ 167,000 |
| Parkersburg-Vienna, WV | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Pittsburgh, PA | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Raleigh, NC | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Reading, PA | 1 | $ 485,000 | $ 485,000 | $ 153,000 |
| Salisbury, MD-DE | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| San Antonio-New Braunfels, TX | 1 | $ 455,000 | $ 455,000 | $ 233,000 |
| Sioux City, IA-NE-SD | 1 | $ 55,000 | $ 55,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Waco, TX | 1 | $ 435,000 | $ 435,000 | $ 192,000 |
| Winchester, VA-WV | 1 | $ 495,000 | $ 495,000 | $ 260,000 |
Mortgage Loan Application Detail Totals for Agfirst Farm Credit Bank in 2023
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 | 1,152 | $433,470,000 | $376,000 | $1,515,000 | $140,000 | $910,000 |
| Cash-out Refinancing | 54 | $13,410,000 | $248,000 | $525,000 | $102,000 | $244,000 |
| Other Purpose | 33 | $6,575,000 | $199,000 | $705,000 | $105,000 | $479,000 |
| Refinancing | 19 | $5,215,000 | $274,000 | $645,000 | $101,000 | $213,000 |
| Home Improvement | 10 | $1,470,000 | $147,000 | $265,000 | $89,000 | $130,000 |
| Not Applicable | 2 | $290,000 | $145,000 | $175,000 | $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 | 1,110 | $397,160,000 | $357,000 | $1,515,000 | $134,000 | $902,000 |
| Not Provided | 62 | $25,980,000 | $419,000 | $905,000 | $177,000 | $910,000 |
| Black or African American | 48 | $19,250,000 | $401,000 | $915,000 | $147,000 | $650,000 |
| Hispanic | 31 | $11,495,000 | $370,000 | $725,000 | $140,000 | $278,000 |
| American Indian or Alaskan Native | 7 | $2,495,000 | $356,000 | $595,000 | $111,000 | $146,000 |
| Asian | 7 | $2,805,000 | $400,000 | $695,000 | $139,000 | $239,000 |
| Not applicable | 2 | $290,000 | $145,000 | $175,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,270 | $460,430,000 | $362,000 | $1,515,000 | $136,000 | $910,000 |
| 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 | 1,097 | $396,695,000 | $361,000 | $1,515,000 | $138,000 | $910,000 |
| Application Denied By Financial Institution | 115 | $43,145,000 | $375,000 | $1,165,000 | $106,000 | $650,000 |
| Application Withdrawn By Applicant | 49 | $18,335,000 | $374,000 | $1,105,000 | $168,000 | $674,000 |
| Application Approved But Not Accepted | 7 | $1,965,000 | $280,000 | $475,000 | $161,000 | $518,000 |
| Loan Purchased By The Institution | 2 | $290,000 | $145,000 | $175,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,155 | $417,285,000 | $361,000 | $1,515,000 | $139,000 | $910,000 |
| Debt-To-Income Ratio | 60 | $23,930,000 | $398,000 | $855,000 | $85,000 | $277,000 |
| Collateral | 32 | $10,960,000 | $342,000 | $725,000 | $145,000 | $650,000 |
| Other | 10 | $3,260,000 | $326,000 | $505,000 | $99,000 | $146,000 |
| Credit History | 7 | $1,665,000 | $237,000 | $515,000 | $89,000 | $176,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $630,000 | $315,000 | $545,000 | $144,000 | $239,000 |
| Credit Application Incomplete | 2 | $1,150,000 | $575,000 | $645,000 | $172,000 | $206,000 |
| Mortgage Insurance Denied | 1 | $385,000 | $385,000 | $385,000 | $93,000 | $93,000 |
| Unverifiable Information | 1 | $1,165,000 | $1,165,000 | $1,165,000 | $78,000 | $78,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Agfirst Farm Credit Bank's 2023 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.
For a list of all lenders in South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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