AgSouth Farm Credit, ACA
AgSouth Farm Credit, ACA received 318 applications in 2025 and made 72 mortgages, in 100 counties across 3 states. The median rate its borrowers got was 7.970% on a median loan of $255,000. Of 159 decisions, 86 were denials — 54.1%, most often for debt-to-income ratio. 17 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300LG73ZJO2VYV440 |
|---|---|
| Applications received | 318 |
| Mortgages made | 72 |
| Denied | 86 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 159 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.494 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 | 51 | 7.970% | $265,000 | 51.4% |
| Refinancing | 18 | 7.975% | $150,000 | 61.7% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 40.0% |
Where AgSouth Farm Credit, ACA lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Randolph County, NC | 8 | Under 10 loans | 20.0% |
| Rowan County, NC | 5 | Under 10 loans | 16.7% |
| Wayne County, GA | 4 | Under 10 loans | 0.0% |
| Gaston County, NC | 4 | Under 10 loans | 0.0% |
| Montgomery County, GA | 3 | Under 10 loans | 0.0% |
| Davidson County, NC | 3 | Under 10 loans | 57.1% |
| Lincoln County, NC | 3 | Under 10 loans | 0.0% |
| Union County, NC | 3 | Under 10 loans | 0.0% |
| Yancey County, NC | 3 | Under 10 loans | 0.0% |
| Clinch County, GA | 2 | Under 10 loans | 0.0% |
| Long County, GA | 2 | Under 10 loans | 0.0% |
| Alleghany County, NC | 2 | Under 10 loans | 0.0% |
| Caldwell County, NC | 2 | Under 10 loans | 0.0% |
| Chatham County, NC | 2 | Under 10 loans | 0.0% |
| Mitchell County, NC | 2 | Under 10 loans | 0.0% |
| Richmond County, NC | 2 | Under 10 loans | 50.0% |
| Calhoun County, SC | 2 | Under 10 loans | 0.0% |
| Bryan County, GA | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Pierce County, GA | 1 | Under 10 loans | 0.0% |
| Alamance County, NC | 1 | Under 10 loans | 66.7% |
| Anson County, NC | 1 | Under 10 loans | 0.0% |
| Caswell County, NC | 1 | Under 10 loans | 0.0% |
| Clay County, NC | 1 | Under 10 loans | 0.0% |
| Cleveland County, NC | 1 | Under 10 loans | 0.0% |
| Davie County, NC | 1 | Under 10 loans | 0.0% |
| Henderson County, NC | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 66.7% |
| Jackson County, NC | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 0.0% |
| Orange County, NC | 1 | Under 10 loans | 0.0% |
| Rutherford County, NC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Kershaw County, SC | 1 | Under 10 loans | 50.0% |
| Lancaster County, SC | 1 | Under 10 loans | 0.0% |
| Lexington County, SC | 1 | Under 10 loans | 50.0% |
| Newberry County, SC | 1 | Under 10 loans | 50.0% |
| Appling County, GA | 0 | Under 10 loans | 100.0% |
| Bacon County, GA | 0 | Under 10 loans | 100.0% |
| Carroll County, GA | 0 | Under 10 loans | 100.0% |
| Coweta County, GA | 0 | Under 10 loans | 100.0% |
| Douglas County, GA | 0 | Under 10 loans | 100.0% |
| Fayette County, GA | 0 | Under 10 loans | Not published |
| Fulton County, GA | 0 | Under 10 loans | Not published |
| Greene County, GA | 0 | Under 10 loans | Not published |
| Haralson County, GA | 0 | Under 10 loans | 100.0% |
| Harris County, GA | 0 | Under 10 loans | Not published |
| Heard County, GA | 0 | Under 10 loans | 100.0% |
| Henry County, GA | 0 | Under 10 loans | Not published |
| Jasper County, GA | 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.