Agcountry Farm Credit Services Flca Mortgage Rates, Fees & Info

Fargo, ND

LEI: 254900ASL383AJ6GSJ43

Tax ID: 45-0455253

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Agcountry Farm Credit Services Flca is a smaller mortgage company specializing in Home Purchase and Refi loans. Agcountry Farm Credit Services Flca has a high proportion of conventional loans. Their top markets by origination volume include: Stevens Point, Wisconsin Rapids, Wausau, Eau Claire, and Menomonie among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Agcountry Farm Credit Services Flca has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    15 Year Conventional Purchase 7.27% 11/22/24
    15 Year Conventional Refi 7.10% 11/22/24
    15 Year Cash-out Refi 7.10% 11/22/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Agcountry Farm Credit Services Flca Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Agcountry Farm Credit Services Flca. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    85

    Origination Dollar Volume (All Markets)

    $12,645,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 50 $8,070,000 $161,400 $2,173 4.36%
    Stevens Point, WI (FHA|USDA|VA) 11 $1,645,000 $149,545 $1,405 4.38%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 12 $1,230,000 $102,500 $1,371 4.26%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 7 $795,000 $113,571 $1,692 4.41%
    EAU CLAIRE, WI (FHA|USDA|VA) 3 $435,000 $145,000 $1,440 4.87%
    Menomonie, WI (FHA|USDA|VA) 1 $245,000 $245,000 $1,830 4.10%
    Willmar, MN (FHA|USDA|VA) 1 $225,000 $225,000 $3,946 4.55%
    Agcountry Farm Credit Services Flca's top markets include Stevens Point, Wisconsin Rapids, Wausau, Eau Claire, and Menomonie among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 85 $12,645,000 $148,765 $1,912 4.37%

    For 2019, Agcountry Farm Credit Services Flca's most frequently originated type of loan was Conventional, with 85 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 42 $6,810,000 $162,143 $2,230 4.31%
    Home Improvement 18 $1,230,000 $68,333 $1,384 4.36%
    Refi 18 $3,060,000 $170,000 $1,696 4.41%
    Other 7 $1,545,000 $220,714 $1,912 4.65%

    For 2019, Agcountry Farm Credit Services Flca's most frequently cited loan purpose was Home Purchase, with 42 originations. The 2nd most popular reason was Home Improvement, with 18 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 62 $10,200,000 $164,516 $2,048 4.45%
    15 Year 8 $1,090,000 $136,250 $1,586 3.98%
    20 Year 8 $910,000 $113,750 $1,633 4.53%
    10 Year 7 $445,000 $63,571 $1,394 3.89%

    For 2019, Agcountry Farm Credit Services Flca's most frequently cited loan duration was Other, with 62 originations. The 2nd most popular length was 15 Year, with 8 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 73 $10,005,000 $137,055
    $1k-2k 7 $1,065,000 $152,143
    $2k-3k 3 $695,000 $231,667
    $3k-4k 1 $375,000 $375,000
    $5k+ 1 $505,000 $505,000

    Agcountry Farm Credit Services Flca's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 73 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 59 $8,975,000 $152,119
    3-4% 15 $1,845,000 $123,000
    5-6% 11 $1,825,000 $165,909

    During 2019, Agcountry Farm Credit Services Flca's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 4-5%, with 59 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 35 $4,975,000 $142,143 $1,844 4.31%
    $100,000 or less 30 $1,810,000 $60,333 $1,390 4.39%
    $200k-400k 18 $4,630,000 $257,222 $2,544 4.38%
    $400k-600k 1 $505,000 $505,000 $7,130 4.50%
    $600k-1MM 1 $725,000 $725,000 $3,325 5.10%

    2019 saw Agcountry Farm Credit Services Flca place emphasis on $100k-200k loans with 35 originations, totaling $4,975,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 23 $2,885,000 $125,435 $1,695 4.50%
    $75k-100k 18 $2,110,000 $117,222 $1,607 4.31%
    $100k-150k 17 $2,855,000 $167,941 $2,119 4.36%
    $50k or less 15 $1,555,000 $103,667 $1,623 4.30%
    $150k-250k 8 $1,480,000 $185,000 $2,511 4.26%
    $250k+ 4 $1,760,000 $440,000 $3,531 4.41%

    Agcountry Farm Credit Services Flca lent most frequently to those with incomes in the $50k-75k range, with 23 originations. The second most popular income band? $75k-100k, with 18 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 34 $6,050,000 $177,941 $2,048 4.35%
    30-36% 26 $3,140,000 $120,769 $1,608 4.44%
    <20% 15 $1,665,000 $111,000 $1,600 4.24%
    38% 3 $615,000 $205,000 $2,978 4.45%
    41% 2 $530,000 $265,000 $4,181 4.23%
    40% 2 $270,000 $135,000 $2,999 4.38%
    36% 1 $85,000 $85,000 $1,350 4.35%
    37% 1 $115,000 $115,000 $1,325 5.45%

    Agcountry Farm Credit Services Flca lent most frequently to those with DTI ratios of 20-30%, with 34 originations. The next most common DTI ratio? 30-36%, with 26 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 84 $12,520,000 $149,048 $1,917 4.37%
    Black 1 $125,000 $125,000 $1,450 3.95%

    Approval Rates

    Total approvals of all applications
    98.20%

    Agcountry Farm Credit Services Flca has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    74.12%

    Agcountry Farm Credit Services Flca has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 85 $12,645,000 $148,765

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 4 $330,000 $82,500
    Single Family (1-4 Units):Site-Built 81 $12,315,000 $152,037

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 12 $1,080,000 $90,000 $1,536 4.38%
    40-60% 17 $2,995,000 $176,176 $2,064 4.36%
    60-80% 36 $6,510,000 $180,833 $1,962 4.35%
    80-100% 10 $1,530,000 $153,000 $2,469 4.26%
    Over 100% 2 $200,000 $100,000 $1,889 4.93%
    Under 20% 8 $330,000 $41,250 $1,233 4.44%