AgCarolina Farm Credit, FLCA
AgCarolina Farm Credit, FLCA received 288 applications in 2025 and made 197 mortgages, in 49 counties across 2 states. The median rate its borrowers got was 7.960% on a median loan of $305,000. Of 228 decisions, 16 were denials — 7.0%, most often for debt-to-income ratio. 32 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300XYK7KGXCRSH318 |
|---|---|
| Applications received | 288 |
| Mortgages made | 197 |
| Denied | 16 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 60 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.816 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 138 | 8.075% | $335,000 | 6.8% |
| Refinancing | 34 | 7.655% | $300,000 | 5.4% |
| Cash-out refinancing | 20 | 7.660% | $145,000 | 12.0% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 0.0% |
Where AgCarolina Farm Credit, FLCA lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnston County, NC | 17 | 7.830% | 0.0% |
| Duplin County, NC | 14 | 8.030% | 6.7% |
| Franklin County, NC | 13 | 7.860% | 0.0% |
| Robeson County, NC | 11 | 7.980% | 8.3% |
| Wayne County, NC | 10 | 7.660% | 0.0% |
| Wilson County, NC | 10 | 8.180% | 0.0% |
| Sampson County, NC | 8 | Under 10 loans | 11.1% |
| Chowan County, NC | 7 | Under 10 loans | 12.5% |
| Harnett County, NC | 7 | Under 10 loans | 10.0% |
| Nash County, NC | 7 | Under 10 loans | 0.0% |
| Columbus County, NC | 6 | Under 10 loans | 0.0% |
| Cumberland County, NC | 5 | Under 10 loans | 0.0% |
| Pamlico County, NC | 5 | Under 10 loans | 0.0% |
| Bladen County, NC | 4 | Under 10 loans | 0.0% |
| Brunswick County, NC | 4 | Under 10 loans | 20.0% |
| Craven County, NC | 4 | Under 10 loans | 0.0% |
| Granville County, NC | 4 | Under 10 loans | 20.0% |
| Lenoir County, NC | 4 | Under 10 loans | 0.0% |
| Halifax County, NC | 3 | Under 10 loans | 0.0% |
| Onslow County, NC | 3 | Under 10 loans | 0.0% |
| Pitt County, NC | 3 | Under 10 loans | 25.0% |
| Beaufort County, NC | 2 | Under 10 loans | 0.0% |
| Currituck County, NC | 2 | Under 10 loans | 0.0% |
| Dare County, NC | 2 | Under 10 loans | 0.0% |
| Gates County, NC | 2 | Under 10 loans | 0.0% |
| Martin County, NC | 2 | Under 10 loans | 0.0% |
| Northampton County, NC | 2 | Under 10 loans | 0.0% |
| Orange County, NC | 2 | Under 10 loans | 0.0% |
| Pender County, NC | 2 | Under 10 loans | 40.0% |
| Perquimans County, NC | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 2 | Under 10 loans | 20.0% |
| Avery County, NC | 1 | Under 10 loans | 0.0% |
| Carteret County, NC | 1 | Under 10 loans | 0.0% |
| Edgecombe County, NC | 1 | Under 10 loans | 0.0% |
| Hertford County, NC | 1 | Under 10 loans | 0.0% |
| Hoke County, NC | 1 | Under 10 loans | 0.0% |
| Lee County, NC | 1 | Under 10 loans | 0.0% |
| Pasquotank County, NC | 1 | Under 10 loans | 50.0% |
| Scotland County, NC | 1 | Under 10 loans | 0.0% |
| Tyrrell County, NC | 1 | Under 10 loans | 0.0% |
| Vance County, NC | 1 | Under 10 loans | 0.0% |
| Warren County, NC | 1 | Under 10 loans | 0.0% |
| Washington County, NC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Bertie County, NC | 0 | Under 10 loans | 100.0% |
| Camden County, NC | 0 | Under 10 loans | Not published |
| Greene County, NC | 0 | Under 10 loans | Not published |
| Hyde County, NC | 0 | Under 10 loans | 0.0% |
| Jones County, NC | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.