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AgWest Farm Credit, FLCA

Independent Mortgage CompanySpokane, WAHQDirectReviews near you on Google

AgWest Farm Credit, FLCA has 239 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
Mediocre
1/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 2 mkts

Safe Rate Summary

Things to Think About

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

Explore another lender or local market

Report Card

AgWest Farm Credit, FLCA performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+30.3 bps above market avg
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Mediocre
Product
Acceptable
Pricing
Mediocre
Pull Through
Mediocre
Volume182
Mix76.2%
Spread
+0.318%Above
Fees
$4,192Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Sound
Volume57
Mix23.8%
Spread
+0.012%Above
Fees
$6,741Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume169
Mix70.7%
Spread
+0.419%Above
Fees
$4,187Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume70
Mix29.3%
Spread
+0.140%Above
Fees
$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
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
GATX
West9
AKAZCAIDMTORUTWAWY

Top Metro Areas by Place Specialization Score

1© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 22Mix 9.21% of portfolio
52/100
Sound
Volume 13Mix 5.44% of portfolio
52/100
Sound

Top States by Place Specialization Score

Oregon
Oregon
1
OregonState
Volume 86Mix 35.98% of portfolio
69/100
Strong
Washington
Washington
2
WashingtonState
Volume 52Mix 21.76% of portfolio
61/100
Strong
Montana
Montana
3
MontanaState
Volume 21Mix 8.79% of portfolio
53/100
Sound
California
California
4
CaliforniaState
Volume 37Mix 15.48% of portfolio
51/100
Sound
Idaho
Idaho
5
IdahoState
Volume 20Mix 8.37% of portfolio
50/100
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.