AgWest Farm Credit, Flca: 2025 mortgage rates, costs & approvals
How AgWest Farm Credit, Flca priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: AgWest Farm Credit, FLCA · LEI 549300KDR80I1ELW8D36
In 2025, AgWest Farm Credit, Flca originated 192 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 11 states — 1282nd by volume among the 2,017 lenders profiled here.
It denied 32.4% of completed home-purchase applications (all lenders: 8.5%).
How AgWest Farm Credit, Flca priced home-purchase loans
| Purchase loans, 2025 | AgWest Farm Credit, Flca | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.10 pts | +0.13 pts |
| Total loan costs · conventional | $12,460 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $8,850 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 27.7% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why AgWest Farm Credit, Flca denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where AgWest Farm Credit, Flca lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Oregon | 64 | 104 | 25.0% | — | $11,580 |
| California | 36 | 59 | 28.9% | — | $13,900 |
| Washington | 33 | 73 | 45.6% | — | $10,030 |
| Idaho | 22 | 36 | 45.0% | — | — |
| Montana | 15 | 23 | — | — | — |
| Utah | 11 | 18 | — | — | — |
| Arizona | 8 | 12 | — | — | — |
| Alaska | 2 | 2 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
| Wyoming | 0 | 2 | — | — | — |
| Nevada | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open AgWest Farm Credit, Flca's page for that state.
Counties where AgWest Farm Credit, Flca is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sherman County, OR | 8 | 1 | 5.3% |
| Teton County, MT | 12 | 2 | 2.6% |
| Rich County, UT | 15 | 1 | 2.2% |
| Musselshell County, MT | 17 | 1 | 2.2% |
| Clearwater County, ID | 12 | 2 | 2.0% |
| Adams County, ID | 19 | 1 | 2.0% |
| Hood River County, OR | 17 | 3 | 1.7% |
| Harney County, OR | 16 | 1 | 1.7% |
| Klickitat County, WA | 19 | 3 | 1.4% |
| Dawson County, MT | 19 | 1 | 1.3% |
| Millard County, UT | 14 | 2 | 1.3% |
| Malheur County, OR | 21 | 3 | 1.1% |
| Caribou County, ID | 25 | 1 | 1.1% |
Check AgWest Farm Credit, Flca yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300KDR80I1ELW8D36.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from AgWest Farm Credit, Flca with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology