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AgCountry Farm Credit Services, FLCA

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AgCountry Farm Credit Services, FLCA has 160 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Regional · 1 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 60 basis points above market average

Explore another lender or local market

Report Card

AgCountry Farm Credit Services, FLCA performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+59.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume156
Mix97.5%
Spread
+0.596%Above
Fees
$2,250Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume98
Mix61.3%
Spread
+0.583%Above
Fees
$2,661Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume62
Mix38.8%
Spread
+0.612%Above
Fees
$1,800Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
160
Applications
180
Volume
$44 million
Pricing & Closing
Avg Rate Spread
+0.597%
vs. market APOR
Avg Net Fees
$2,272
Origination − Credits
Pullthrough Rate
88.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$275,938
Avg Borrower Income
$215,719
Avg Property Value
$486,312

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest4
MNNDSDWI

Top Metro Areas by Place Specialization Score

1© WI-Photos · CC0
Wausau, WIMetro
Volume 12Mix 7.50% of portfolio
48/100
Sound

Top States by Place Specialization Score

Minnesota
Minnesota
1
MinnesotaState
Volume 64Mix 40.00% of portfolio
63/100
Strong
Wisconsin
Wisconsin
2
WisconsinState
Volume 58Mix 36.25% of portfolio
63/100
Strong
North Dakota
North Dakota
3
North DakotaState
Volume 33Mix 20.62% of portfolio
60/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.