Applications / Mortgage Analytics / Lenders / North Carolina / AgCarolina Farm Credit, FLCA
Raleigh, NC · Independent non-bank lender · CFPB · 197 loans in 2025
AgCarolina Farm Credit, FLCA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
197
loans originated, 2025
288
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AgCarolina Farm Credit, FLCA, a Raleigh-based non-bank lender, has more than doubled its home lending since 2020 with conventional purchase loans in rural North Carolina, a tenth of them on manufactured homes.
Manufactured homes made up 10.2% of its loans; the typical similar lender, an independent non-bank lender making between half and twice as many loans, made none. Every loan was conventional, while its peers typically had 16.0% FHA loans (insured by the Federal Housing Administration). Purchases were 70.1% of its lending.
It made 90 loans in 2020 and 200 in 2024. In 2025 it made 197, down 2%, about where similar lenders were, while the whole market grew 10%. Its dollar volume rose to $72.8 million.
Some 30.2% of its loans were in low- and moderate-income neighborhoods, against 18.0% at similar lenders, a higher share than more than four in five of them. Its largest market is non-metro North Carolina, where it ranked 75 of 762 lenders. It has lent in North Carolina since 2016, when it first reported, and added Myrtle Beach, South Carolina, in 2023.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AgCarolina Farm Credit, FLCA took 288 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.1% · Refinance 27.4% · Home improvement 2.5%
Conventional 100.0% · of 197 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 181 | 91.9% |
| South Carolina | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Raleigh-Cary | 32 |
| Goldsboro | 10 |
| Rocky Mount | 8 |
| Fayetteville | 6 |
| Wilmington | 6 |
| Virginia Beach-Chesapeake-Norfolk | 4 |
| Greenville | 3 |
| Jacksonville | 3 |
| Durham-Chapel Hill | 2 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XYK7KGXCRSH318 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2970497 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7562187972 |
Established 14 February 2018. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: AgCarolina Farm Credit, FLCA's data.
AgCarolina Farm Credit, FLCA's data
$215
AgCarolina Farm Credit, FLCA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy AgCarolina Farm Credit, FLCA's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]