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AgWest Farm Credit, FLCA

Independent Mortgage CompanySpokane, WADirect to Consumer

Agwest Farm Credit Flca has 239 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Mediocre
vs. all lenders
Pull Through
Mediocre
closing strength
Products
Strong
Conventional · Jumbo
Place
Sound
Multi-Region · 2 mkts

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Safe Rate's Summary

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,316)
  • Pull through efficiency is below industry average

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Report Card

AgWest Farm Credit, FLCA performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+30.3 bps above market avg
Pull Through
Closing strength
Mediocre
Below peers
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Mediocre
Acceptable
Mediocre
Mediocre
18276.2%
+0.318%Above
$4,192Fees
Jumbo Loans
Sound
Strong
Sound
5723.8%
+0.012%Above
$6,741Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Mediocre
Acceptable
16970.7%
+0.419%Above
$4,187Fees
Refinance
Acceptable
Sound
Mediocre
Sound
7029.3%
+0.140%Above
$4,496Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
239
Applications
585
Volume
$137 million
Pricing & Closing
Avg Rate Spread
+0.303%
vs. market APOR
Avg Net Fees
$4,316
Origination − Credits
Pullthrough Rate
40.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$574,874
Avg Borrower Income
$362,586
Avg Property Value
$1,076,757

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Portland, OR-WAMSA
Volume: 22Mix: 9.21%of portfolio
Place
Sound
2
Bend, OR, ORMSA
Volume: 13Mix: 5.44%of portfolio
Place
Sound

Top States by Place Specialization Score

1
ORState
Volume: 86Mix: 35.98%of portfolio
Place
Strong
2
WAState
Volume: 52Mix: 21.76%of portfolio
Place
Strong
3
MTState
Volume: 21Mix: 8.79%of portfolio
Place
Sound
4
CAState
Volume: 37Mix: 15.48%of portfolio
Place
Sound
5
IDState
Volume: 20Mix: 8.37%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.