The reason why the mortgage of ABC 1 month is more than that of last month may be caused by multiple factors. First of all, the reduction of interest does not mean that the mortgage amount will be reduced accordingly. Secondly, the factors that affect the mortgage amount are not only interest, but also the borrower's personal credit risk.

Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. If the borrower's risk score is high, his loan application may be rejected. Therefore, when applying for a loan, the borrower's personal credit risk index is a very important consideration.

Specifically, if borrowers frequently apply for loans or conduct frequent loan operations before last month, their personal credit risk index may rise accordingly. This may lead to some restrictions when the Agricultural Bank of China evaluates his mortgage application, such as increasing the down payment ratio or reducing the loan amount.

Therefore, although the interest rate may be lowered, if the personal credit risk of the borrower increases, the Agricultural Bank of China may have some additional restrictions when granting loans to it, resulting in more loans than last month.

The above are the possible reasons that may lead to more mortgage loans in ABC 1 month than last month.