AgSouth 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%
1st54.1% deniedPricingmedian rate spread over APOR, weight 30%
5th1.49 ptsProcesswithdrawn + incomplete share, weight 15%
1st50.0%Closing coststotal loan costs ÷ loan amount, weight 10%
85th0.98% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 433 | 61 | 37.2% | 71.2% | 8.48% | $15M |
| 2024 | 351 | 57 | 37.0% | 69.2% | 8.40% | $15M |
| 2025 | 318 | 72 | 27.0% | 54.1% | 7.97% | $22M |
What AgSouth 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, 22 manufactured homes, 5 investment properties.
Why AgSouth Farm Credit, ACA denies applications
Primary reason reported for each of the 86 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at AgSouth Farm Credit, ACA
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 5 | 54.6% |
| $50k – $100k | 92 | 17 | 63.0% |
| $100k – $150k | 86 | 19 | 51.2% |
| $150k – $250k | 79 | 15 | 58.3% |
| Over $250k | 34 | 12 | 40.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 4 | 63.6% |
| 25–34 | 79 | 21 | 47.5% |
| 35–44 | 82 | 14 | 60.5% |
| 45–54 | 54 | 13 | 56.7% |
| 55–64 | 46 | 15 | 37.5% |
| 65–74 | 24 | 4 | 55.6% |
Where AgSouth Farm Credit, ACA lends
3 states and 100 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| North Carolina | 140 | 51 | 24.3% | 7.99% | #278 |
| Georgia | 90 | 14 | 38.9% | 7.85% | #354 |
| South Carolina | 88 | 7 | 19.3% | 8.40% | #271 |
Frequently asked questions
AgSouth Farm Credit, ACA denied 54.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 1st percentile of small mortgage lenders.
The most common reason AgSouth Farm Credit, ACA gave in 2025 was "debt-to-income ratio", cited on 37.2% 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 AgSouth Farm Credit, ACA originated in 2025 was 7.97%, and its median rate spread over the average prime offer rate was 1.49 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 66% of its applications were for home purchases, 32% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 1% 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.