AGRICULTURE Federal Credit Union 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%
3rd41.8% deniedProcesswithdrawn + incomplete share, weight 15%
13th23.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 130 | 64 | 20.0% | 27.4% | — | $5.8M |
| 2024 | 189 | 82 | 32.3% | 41.5% | — | $7.4M |
| 2025 | 159 | 68 | 32.1% | 41.8% | 7.37% | $5.9M |
What AGRICULTURE Federal Credit Union 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: 22 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why AGRICULTURE Federal Credit Union denies applications
Primary reason reported for each of the 51 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at AGRICULTURE Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 27 | 9 | 50.0% |
| $100k – $150k | 49 | 22 | 43.6% |
| $150k – $250k | 51 | 24 | 33.3% |
| Over $250k | 24 | 13 | 36.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 26 | 7 | 65.0% |
| 45–54 | 35 | 11 | 51.9% |
| 55–64 | 52 | 27 | 33.3% |
| 65–74 | 35 | 18 | 18.2% |
Where AGRICULTURE Federal Credit Union lends
21 states and 54 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 90 | 33 | 32.2% | 7.37% | #248 |
| Virginia | 25 | 17 | 20.0% | 7.49% | #466 |
| District of Columbia | 9 | 5 | 33.3% | 10.25% | #190 |
| Florida | 5 | 3 | 40.0% | 7.25% | #1,130 |
| Pennsylvania | 5 | 2 | 40.0% | 6.99% | #796 |
Frequently asked questions
AGRICULTURE Federal Credit Union denied 41.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 3rd percentile of small mortgage lenders.
The most common reason AGRICULTURE Federal Credit Union gave in 2025 was "other", cited on 50.0% 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 AGRICULTURE Federal Credit Union originated in 2025 was 7.37%, and its median rate spread over the average prime offer rate was 0.92 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 1% of its applications were for home purchases, 6% for refinancing (including cash-out), and 93% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.