AgFirst Farm Credit Bank in North Carolina vs the state
10.6%Denial rate-7.45 pts vs state
11.4%Decision denial rate-11.44 pts vs state
82.6%Origination rate+24.77 pts vs state
6.50%Median rate0.00 pts vs state
0.33Rate spread (pts)+0.24 pts vs state
$109kMedian applicant income
109Loans originated
14Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 404 | 349 | 9.7% | 7.38% | #133 |
| 2024 | 408 | 366 | 6.4% | 7.50% | #144 |
| 2025 | 132 | 109 | 10.6% | 6.50% | #284 |
What AgFirst Farm Credit Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most AgFirst Farm Credit Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stokes County | 11 | 8 | 2 | 18.2% |
| Guilford County | 9 | 9 | 0 | 0.0% |
| Rockingham County | 8 | 7 | 1 | 12.5% |
| Caldwell County | 7 | 5 | 2 | 28.6% |
| Surry County | 6 | 5 | 0 | 0.0% |
| Wilkes County | 6 | 5 | 0 | 0.0% |
| Cleveland County | 4 | 3 | 1 | 25.0% |
| Randolph County | 4 | 3 | 1 | 25.0% |
| Alamance County | 4 | 4 | 0 | 0.0% |
| Caswell County | 4 | 3 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 132 applications in 2025, of which 109 were originated and 14 denied.
10.6% of all applications, or 11.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans AgFirst Farm Credit Bank originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are AgFirst Farm Credit Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology