Applications / Mortgage Analytics / Lenders / South Carolina / AgFirst Farm Credit Bank
Columbia, SC · Independent non-bank lender · CFPB · 321 loans in 2025
AgFirst Farm Credit Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
321
loans originated, 2025
396
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AgFirst Farm Credit Bank, a Columbia, South Carolina non-bank lender, made 321 home loans in 2025, down 71% in a year and far below the 2,703 it made in 2020.
Its loans fell from 1,124 in 2024 to 321, while similar lenders, independent non-bank lenders making between half and twice as many loans, grew 3% and the whole market grew 10%. Almost none of its peers shrank faster. The fall continues a slide that began after 2020, through 1,979 loans in 2022 and 1,097 in 2023. The record does not say why; it may have chosen to make fewer home loans.
Every loan was conventional, while its peers typically had 17.5% FHA loans (insured by the Federal Housing Administration). Manufactured homes were 13.4% of its loans, against 0.2% at similar lenders. Purchases were 58.3% of its lending and refinances 28.7%. Its typical rate, 6.50%, matched its peers'.
It lends in 11 states and 45 metros, with non-metro North Carolina its largest market. The fall in its lending shows in its markets: its share dropped from 0.4% to 0.1% in Columbia, its home metro, and from 0.5% to 0.2% in Greensboro-High Point. In Columbia it now ranks 117 of 515 lenders; Guild Mortgage Company leads there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AgFirst Farm Credit Bank took 396 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.3% · Refinance 28.7% · Other 9.0% · Home improvement 4.0%
Conventional 100.0% · of 321 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 | 109 | 34.0% |
| Georgia | 68 | 21.2% |
| South Carolina | 64 | 19.9% |
| Florida | 34 | 10.6% |
| Kentucky | 18 | 5.6% |
| Virginia | 15 | 4.7% |
| Texas | 8 | 2.5% |
| West Virginia | 2 | 0.6% |
| Maryland | 1 | 0.3% |
| New York | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 22 |
| Greensboro-High Point | 19 |
| Winston-Salem | 19 |
| Charlotte-Concord-Gastonia | 18 |
| Atlanta-Sandy Springs-Roswell | 17 |
| Hickory-Lenoir-Morganton | 13 |
| Greenville-Anderson-Greer | 8 |
| Augusta-Richmond County | 7 |
| Durham-Chapel Hill | 7 |
| Gainesville | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | MMO6VV34TNP4Z1T8NG83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2333690 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7571016947 |
Established 31 March 1995. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: AgFirst Farm Credit Bank's data.
AgFirst Farm Credit Bank's data
$215
AgFirst Farm Credit Bank 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 AgFirst Farm Credit Bank'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]