# AgCountry Farm Credit Services, FLCA

> **Canonical URL:** https://saferate.com/lenders/agcountry-farm-credit-services-flca


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AgCountry Farm Credit Services, FLCA is a independent mortgage company, headquartered in Fargo, ND, serving borrowers across 4 states, with 160 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900ASL383AJ6GSJ43
- **Headquarters:** Fargo, ND
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** MN, ND, SD, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.597%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,272
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 160
- **Dollar Volume:** $44 million
- **Applications Received:** 180
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $275,938
- **Average Borrower Income:** $215,719
- **Average Property Value:** $486,312

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 156 | +0.596% | $2,250 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 94 loans, Score: 38/100 (Acceptable)
- Refinance: 62 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 98 | $32M | +0.583% | Acceptable 🙂 |
| Refinance | 45/100 | 62 | $12M | +0.612% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 64 | 0.10% | 63/100 |
| WI | 58 | 0.09% | 63/100 |
| ND | 33 | 0.45% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 137 | 65/100 |
| Wausau, WI | WI | 12 | 48/100 |

## Where This Lender Ranks

AgCountry Farm Credit Services, FLCA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Wausau, WI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does AgCountry Farm Credit Services, FLCA offer?

AgCountry Farm Credit Services, FLCA offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AgCountry Farm Credit Services, FLCA offer mortgages?

AgCountry Farm Credit Services, FLCA offers mortgages in 4 states: MN, ND, SD, WI.

### How competitive are AgCountry Farm Credit Services, FLCA's mortgage rates?

AgCountry Farm Credit Services, FLCA has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.597% above market average.

### What type of lender is AgCountry Farm Credit Services, FLCA?

AgCountry Farm Credit Services, FLCA is a non-depository lender that specializes in mortgage origination, headquartered in Fargo, ND.

### What is AgCountry Farm Credit Services, FLCA's loan approval success rate?

AgCountry Farm Credit Services, FLCA has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/agcountry-farm-credit-services-flca

### How to Cite

> "AgCountry Farm Credit Services, FLCA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/agcountry-farm-credit-services-flca

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