AgGeorgia Farm Credit, ACA at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
0th60.7% deniedPricingmedian rate spread over APOR, weight 30%
2nd1.87 ptsProcesswithdrawn + incomplete share, weight 15%
1st41.9%Closing coststotal loan costs ÷ loan amount, weight 10%
59th1.69% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 122 | 59 | 18.0% | 26.8% | 8.50% | $23M |
| 2024 | 194 | 64 | 26.8% | 44.8% | 8.48% | $23M |
| 2025 | 210 | 48 | 35.2% | 60.7% | 8.03% | $18M |
What AgGeorgia Farm Credit, ACA lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 20 manufactured homes, 3 investment properties.
Why AgGeorgia Farm Credit, ACA denies applications
Primary reason reported for each of the 74 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at AgGeorgia Farm Credit, ACA
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 53 | 3 | 90.9% |
| $100k – $150k | 56 | 12 | 58.6% |
| $150k – $250k | 41 | 10 | 50.0% |
| Over $250k | 46 | 20 | 35.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 62 | 7 | 78.8% |
| 35–44 | 51 | 9 | 70.0% |
| 45–54 | 36 | 8 | 61.9% |
| 55–64 | 36 | 14 | 33.3% |
Where AgGeorgia Farm Credit, ACA lends
2 states and 72 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 209 | 48 | 35.4% | 8.03% | #240 |
Frequently asked questions
AgGeorgia Farm Credit, ACA denied 60.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 0th percentile of small mortgage lenders.
The most common reason AgGeorgia Farm Credit, ACA gave in 2025 was "debt-to-income ratio", cited on 37.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans AgGeorgia Farm Credit, ACA originated in 2025 was 8.03%, and its median rate spread over the average prime offer rate was 1.87 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 74% of its applications were for home purchases, 20% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 92% conventional, 5% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.