Agsouth Farm Credit Mortgage Lending & HMDA Data, 2023
In 2023, Agsouth Farm Credit of Lincolnton, NC reported 433 mortgage applications totaling $143.5 million, down 9% from 2022. The average application was for $331,327, and applicants reported an average income of $138,355. 14% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (63), Greenville-Anderson-Mauldin, SC (42) and Charlotte-Concord-Gastonia, NC-SC (36) (applications in parentheses).
| Mortgage Company & Address | Agsouth Farm Credit Lincolnton, NC 28092 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 433 |
| Total Mortgage Loan Application Amount | $143,465,000 |
| Average Mortgage Loan Application Amount | $331,327 |
| Highest Mortgage Loan Application Amount | $1,825,000 |
| Average Applicant Income | $138,355 |
| Highest Applicant Income | $1,800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Agsouth Farm Credit filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anderson, South Carolina | 28 | $ 11,290,000 | $ 403,214 | $ 131,000 |
| Carroll, Georgia | 21 | $ 6,435,000 | $ 306,428 | $ 109,000 |
| Davidson, North Carolina | 17 | $ 4,905,000 | $ 288,529 | $ 109,000 |
| Oconee, South Carolina | 15 | $ 4,815,000 | $ 321,000 | $ 98,000 |
| Lexington, South Carolina | 14 | $ 5,560,000 | $ 397,142 | $ 135,000 |
| Stokes, North Carolina | 11 | $ 3,655,000 | $ 332,272 | $ 99,000 |
| Aiken, South Carolina | 11 | $ 2,145,000 | $ 195,000 | $ 108,000 |
| Appling, Georgia | 10 | $ 2,360,000 | $ 236,000 | $ 98,000 |
| Guilford, North Carolina | 10 | $ 4,810,000 | $ 481,000 | $ 177,000 |
| Randolph, North Carolina | 10 | $ 2,210,000 | $ 221,000 | $ 149,000 |
| Kershaw, South Carolina | 9 | $ 2,155,000 | $ 239,444 | $ 125,000 |
| Rowan, North Carolina | 8 | $ 3,260,000 | $ 407,500 | $ 240,000 |
| Newberry, South Carolina | 8 | $ 2,800,000 | $ 350,000 | $ 121,000 |
| Richland, South Carolina | 8 | $ 2,480,000 | $ 310,000 | $ 123,000 |
| Haralson, Georgia | 7 | $ 2,155,000 | $ 307,857 | $ 101,000 |
| Morgan, Georgia | 7 | $ 3,035,000 | $ 433,571 | $ 161,000 |
| Iredell, North Carolina | 7 | $ 1,895,000 | $ 270,714 | $ 96,000 |
| York, South Carolina | 7 | $ 3,245,000 | $ 463,571 | $ 341,000 |
| Meriwether, Georgia | 6 | $ 1,190,000 | $ 198,333 | $ 83,000 |
| Monroe, Georgia | 6 | $ 2,600,000 | $ 433,333 | $ 124,000 |
| Person, North Carolina | 6 | $ 1,520,000 | $ 253,333 | $ 373,000 |
| Yancey, North Carolina | 6 | $ 1,610,000 | $ 268,333 | $ 119,000 |
| Laurens, South Carolina | 6 | $ 1,610,000 | $ 268,333 | $ 141,000 |
| Orangeburg, South Carolina | 6 | $ 1,410,000 | $ 235,000 | $ 136,000 |
| Bulloch, Georgia | 5 | $ 1,595,000 | $ 319,000 | $ 176,000 |
| Walton, Georgia | 5 | $ 2,015,000 | $ 403,000 | $ 96,000 |
| Wayne, Georgia | 5 | $ 585,000 | $ 117,000 | $ 117,000 |
| Caswell, North Carolina | 5 | $ 1,865,000 | $ 373,000 | $ 131,000 |
| Montgomery, North Carolina | 5 | $ 1,345,000 | $ 269,000 | $ 93,000 |
| Orange, North Carolina | 5 | $ 1,835,000 | $ 367,000 | $ 138,000 |
| Richmond, North Carolina | 5 | $ 1,445,000 | $ 289,000 | $ 111,000 |
| Swain, North Carolina | 5 | $ 1,345,000 | $ 269,000 | $ 98,000 |
| Alexander, North Carolina | 4 | $ 1,380,000 | $ 345,000 | $ 113,000 |
| Catawba, North Carolina | 4 | $ 770,000 | $ 192,500 | $ 81,000 |
| Forsyth, North Carolina | 4 | $ 1,370,000 | $ 342,500 | $ 88,000 |
| Gaston, North Carolina | 4 | $ 700,000 | $ 175,000 | $ 170,000 |
| Stanly, North Carolina | 4 | $ 920,000 | $ 230,000 | $ 69,000 |
| Greenville, South Carolina | 4 | $ 1,280,000 | $ 320,000 | $ 114,000 |
| Pickens, South Carolina | 4 | $ 950,000 | $ 237,500 | $ 86,000 |
| Spartanburg, South Carolina | 4 | $ 1,900,000 | $ 475,000 | $ 150,000 |
| Newton, Georgia | 3 | $ 1,115,000 | $ 371,666 | $ 141,000 |
| Pike, Georgia | 3 | $ 1,695,000 | $ 565,000 | $ 172,000 |
| Upson, Georgia | 3 | $ 585,000 | $ 195,000 | $ 40,000 |
| Cabarrus, North Carolina | 3 | $ 275,000 | $ 91,666 | $ 551,000 |
| Chatham, North Carolina | 3 | $ 1,155,000 | $ 385,000 | $ 102,000 |
| Cleveland, North Carolina | 3 | $ 1,085,000 | $ 361,666 | $ 290,000 |
| Jackson, North Carolina | 3 | $ 945,000 | $ 315,000 | $ 121,000 |
| Rockingham, North Carolina | 3 | $ 1,165,000 | $ 388,333 | $ 109,000 |
| Surry, North Carolina | 3 | $ 1,285,000 | $ 428,333 | $ 155,000 |
| Wilkes, North Carolina | 3 | $ 1,785,000 | $ 595,000 | $ 226,000 |
| Yadkin, North Carolina | 3 | $ 665,000 | $ 221,666 | $ 101,000 |
| Abbeville, South Carolina | 3 | $ 705,000 | $ 235,000 | $ 87,000 |
| Cherokee, South Carolina | 3 | $ 955,000 | $ 318,333 | $ 120,000 |
| Coweta, Georgia | 2 | $ 1,240,000 | $ 620,000 | $ 197,000 |
| Douglas, Georgia | 2 | $ 1,530,000 | $ 765,000 | $ 167,000 |
| Fayette, Georgia | 2 | $ 870,000 | $ 435,000 | $ 201,000 |
| Spalding, Georgia | 2 | $ 1,880,000 | $ 940,000 | $ 357,000 |
| Talbot, Georgia | 2 | $ 920,000 | $ 460,000 | $ 266,000 |
| Troup, Georgia | 2 | $ 530,000 | $ 265,000 | $ 93,000 |
| Ware, Georgia | 2 | $ 210,000 | $ 105,000 | $ 34,000 |
| Ashe, North Carolina | 2 | $ 920,000 | $ 460,000 | $ 161,000 |
| Burke, North Carolina | 2 | $ 350,000 | $ 175,000 | $ 57,000 |
| Cherokee, North Carolina | 2 | $ 570,000 | $ 285,000 | $ 84,000 |
| Macon, North Carolina | 2 | $ 610,000 | $ 305,000 | $ 139,000 |
| Moore, North Carolina | 2 | $ 1,100,000 | $ 550,000 | $ 240,000 |
| Union, North Carolina | 2 | $ 810,000 | $ 405,000 | $ 79,000 |
| Barnwell, South Carolina | 2 | $ 520,000 | $ 260,000 | $ 84,000 |
| Calhoun, South Carolina | 2 | $ 310,000 | $ 155,000 | $ 124,000 |
| Fairfield, South Carolina | 2 | $ 230,000 | $ 115,000 | $ 97,000 |
| Lancaster, South Carolina | 2 | $ 1,040,000 | $ 520,000 | $ 170,000 |
| Bacon, Georgia | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Effingham, Georgia | 1 | $ 65,000 | $ 65,000 | $ 99,000 |
| Fulton, Georgia | 1 | $ 535,000 | $ 535,000 | $ 227,000 |
| Harris, Georgia | 1 | $ 565,000 | $ 565,000 | $ 222,000 |
| Henry, Georgia | 1 | $ 555,000 | $ 555,000 | $ 157,000 |
| Long, Georgia | 1 | $ 305,000 | $ 305,000 | $ 42,000 |
| Muscogee, Georgia | 1 | $ 645,000 | $ 645,000 | $ 341,000 |
| Putnam, Georgia | 1 | $ 365,000 | $ 365,000 | $ 155,000 |
| Rockdale, Georgia | 1 | $ 375,000 | $ 375,000 | $ 67,000 |
| Wilkinson, Georgia | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| McLean, Illinois | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Flathead, Montana | 1 | $ 1,825,000 | $ 1,825,000 | $ 1,039,000 |
| Alamance, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 89,000 |
| Anson, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Avery, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Caldwell, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 13,000 |
| Davie, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 145,000 |
| Durham, North Carolina | 1 | $ 545,000 | $ 545,000 | $ 298,000 |
| Harnett, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Haywood, North Carolina | 1 | $ 445,000 | $ 445,000 | $ 98,000 |
| Lincoln, North Carolina | 1 | $ 635,000 | $ 635,000 | $ 178,000 |
| Madison, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| McDowell, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 148,000 |
| Mitchell, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 132,000 |
| Watauga, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 32,000 |
| Allendale, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 164,000 |
| Chester, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Dorchester, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 175,000 |
| Edgefield, South Carolina | 1 | $ 385,000 | $ 385,000 | $ 123,000 |
| Greenwood, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Hampton, South Carolina | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Saluda, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 114,000 |
| Union, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Agsouth Farm Credit 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 | 339 | $119,875,000 | $353,000 | $1,545,000 | $144,000 | $1,800,000 |
| Cash-out Refinancing | 43 | $9,595,000 | $223,000 | $675,000 | $91,000 | $211,000 |
| Refinancing | 39 | $11,295,000 | $289,000 | $1,825,000 | $134,000 | $1,039,000 |
| Home Improvement | 6 | $480,000 | $80,000 | $255,000 | $166,000 | $471,000 |
| Not Applicable | 3 | $1,205,000 | $401,000 | $465,000 | $126,000 | $165,000 |
| Other Purpose | 3 | $1,015,000 | $338,000 | $575,000 | $193,000 | $250,000 |
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 | 379 | $124,775,000 | $329,000 | $1,825,000 | $135,000 | $1,375,000 |
| Black or African American | 24 | $7,390,000 | $307,000 | $645,000 | $186,000 | $1,800,000 |
| Not Provided | 19 | $7,315,000 | $385,000 | $1,545,000 | $150,000 | $632,000 |
| Hispanic | 9 | $3,425,000 | $380,000 | $615,000 | $133,000 | $244,000 |
| Asian | 2 | $560,000 | $280,000 | $465,000 | $80,000 | $113,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 421 | $140,145,000 | $332,000 | $1,825,000 | $139,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,045,000 | $209,000 | $255,000 | $81,000 | $134,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,810,000 | $452,000 | $575,000 | $167,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $465,000 | $155,000 | $205,000 | $53,000 | $68,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 201 | $72,485,000 | $360,000 | $1,825,000 | $142,000 | $1,039,000 |
| Application Denied By Financial Institution | 161 | $52,175,000 | $324,000 | $1,545,000 | $115,000 | $1,800,000 |
| Loan Originated | 61 | $14,935,000 | $244,000 | $755,000 | $189,000 | $1,375,000 |
| File Closed For Incompleteness | 6 | $2,680,000 | $446,000 | $525,000 | $126,000 | $202,000 |
| Application Approved But Not Accepted | 4 | $1,190,000 | $297,000 | $375,000 | $184,000 | $403,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | 272 | $91,290,000 | $335,000 | $1,825,000 | $152,000 | $1,375,000 |
| Debt-To-Income Ratio | 68 | $24,070,000 | $353,000 | $1,205,000 | $92,000 | $277,000 |
| Credit History | 50 | $15,370,000 | $307,000 | $1,445,000 | $154,000 | $1,800,000 |
| Credit Application Incomplete | 20 | $6,920,000 | $346,000 | $1,545,000 | $133,000 | $632,000 |
| Other | 12 | $2,960,000 | $246,000 | $475,000 | $71,000 | $175,000 |
| Collateral | 8 | $2,270,000 | $283,000 | $585,000 | $107,000 | $158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $490,000 | $245,000 | $395,000 | $52,000 | $56,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $114,000 | $114,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Agsouth Farm Credit'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 Agsouth Farm Credit'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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