# AgWest Farm Credit, FLCA

> **Canonical URL:** https://saferate.com/lenders/agwest-farm-credit-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


AgWest Farm Credit, FLCA is a independent mortgage company, headquartered in Spokane, WA, serving borrowers across 11 states, with 239 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 92% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 83% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300KDR80I1ELW8D36
- **Headquarters:** Spokane, WA
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AK, AZ, CA, GA, ID, MT, OR, TX, UT, WA, WY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 8/100
- Rating: ●○○○○ (1/5)

### Pull Through: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.303%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,316
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 239
- **Dollar Volume:** $137 million
- **Applications Received:** 585
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $574,874
- **Average Borrower Income:** $362,586
- **Average Property Value:** $1,076,757

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 182 | +0.318% | $4,192 | Acceptable 🙂 |
| Jumbo | 75/100 | 57 | +0.012% | $6,741 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 125 loans, Score: 37/100 (Acceptable)
- Refinance: 57 loans, Score: 48/100 (Sound)

**Jumbo:**
- Purchase: 44 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 169 | $103M | +0.419% | Sound ☺️ |
| Refinance | 48/100 | 70 | $35M | +0.140% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 86 | 0.20% | 69/100 |
| WA | 52 | 0.06% | 61/100 |
| CA | 37 | 0.01% | 51/100 |
| MT | 21 | 0.20% | 53/100 |
| ID | 20 | 0.07% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 84 | 55/100 |
| Portland | OR-WA | 22 | 52/100 |
| Bend, OR | OR | 13 | 52/100 |

## Where This Lender Ranks

AgWest Farm Credit, FLCA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Montana for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Bend, OR for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bend-or/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does AgWest Farm Credit, FLCA offer?

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

### Where does AgWest Farm Credit, FLCA offer mortgages?

AgWest Farm Credit, FLCA offers mortgages in 11 states: AK, AZ, CA, GA, ID, MT, OR, TX, UT, WA, WY.

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

AgWest Farm Credit, FLCA has a pricing score of 8/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.303% above market average.

### What type of lender is AgWest Farm Credit, FLCA?

AgWest Farm Credit, FLCA is a non-depository lender that specializes in mortgage origination, headquartered in Spokane, WA.

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

AgWest Farm Credit, FLCA has a pull-through score of 17/100 (Mediocre). 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/agwest-farm-credit-flca

### How to Cite

> "AgWest Farm Credit, FLCA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/agwest-farm-credit-flca

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