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AgWest Farm Credit, FLCA
Independent Mortgage Company|Spokane, WA|Multi-Region
Loans Originated
239
Applications
585
Volume
$137 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Average Rate Spread
+0.303%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,316
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
40.9%
Percentage of applications that result in closed loans
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
Report Card
AgWest Farm Credit, FLCA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 3 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$574,874
Average Borrower Income
$362,586
Average Property Value
$1,076,757
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Mediocre | Acceptable | Mediocre | Mediocre | 182 | 76.2% | +0.318% | $4,192 |
Jumbo Loans | Sound | Strong | N/A | Sound | 57 | 23.8% | +0.012% | $6,741 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Acceptable | 169 | 70.7% | +0.419% | $4,187 |
Refinance | Acceptable | Sound | Mediocre | Sound | 70 | 29.3% | +0.140% | $4,496 |
Geographic Coverage
Metro Areas
2
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKAZCAGAIDMTORTXUTWAWY
Top Metro Areas by Place Specialization Score
1
Portland, OR-WAMSA
Volume: 22Mix: 9.21%
Place Specialization
Sound
2
Bend, OR, ORMSA
Volume: 13Mix: 5.44%
Place Specialization
Sound
Top States by Place Specialization Score
1
ORState
Volume: 86Mix: 35.98%
Place Specialization
Strong
2
WAState
Volume: 52Mix: 21.76%
Place Specialization
Strong
3
MTState
Volume: 21Mix: 8.79%
Place Specialization
Sound
4
CAState
Volume: 37Mix: 15.48%
Place Specialization
Sound
5
IDState
Volume: 20Mix: 8.37%
Place Specialization
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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