# GreenStone Farm Credit Services, FLCA

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

GreenStone Farm Credit Services, FLCA is a independent mortgage company, headquartered in East Lansing, MI, serving borrowers across 6 states, with 791 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300461TECLDDGNF98
- **Headquarters:** East Lansing, MI
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, IL, MI, MN, TN, WI
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.769%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,193
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 791
- **Dollar Volume:** $259 million
- **Applications Received:** 856
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $327,200
- **Average Borrower Income:** $183,329

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 749 | +0.769% | $2,193 | Strong 😀 |
| Jumbo | 73/100 | 42 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 578 loans, Score: 64/100 (Strong)
- Refinance: 171 loans, Score: 65/100 (Strong)

**Jumbo:**
- Purchase: 38 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 616 | $219M | +0.846% | Strong 😀 |
| Refinance | 63/100 | 175 | $40M | +0.691% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 721 | 0.64% | 84/100 |
| WI | 65 | 0.10% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 335 | 71/100 |
| Warren | MI | 112 | 68/100 |
| Grand Rapids | MI | 80 | 64/100 |
| Lansing | MI | 51 | 65/100 |
| Ann Arbor, MI | MI | 29 | 63/100 |
| Monroe, MI | MI | 27 | 63/100 |
| Traverse City, MI | MI | 25 | 60/100 |
| Jackson, MI | MI | 23 | 63/100 |
| Flint, MI | MI | 15 | 48/100 |
| Green Bay, WI | WI | 12 | 43/100 |
| Saginaw, MI | MI | 11 | 44/100 |
| Midland, MI | MI | 10 | 43/100 |

## Frequently Asked Questions

### What loan types does GreenStone Farm Credit Services, FLCA offer?

GreenStone Farm Credit Services, 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 GreenStone Farm Credit Services, FLCA offer mortgages?

GreenStone Farm Credit Services, FLCA offers mortgages in 6 states: FL, IL, MI, MN, TN, WI.

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

GreenStone Farm Credit Services, FLCA has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.769% above market average.

### What type of lender is GreenStone Farm Credit Services, FLCA?

GreenStone Farm Credit Services, FLCA is a non-depository lender that specializes in mortgage origination, headquartered in East Lansing, MI.

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

GreenStone Farm Credit Services, FLCA has a pull-through score of 59/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/greenstone-farm-credit-services-flca

### How to Cite

> "GreenStone Farm Credit Services, FLCA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/greenstone-farm-credit-services-flca

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