Agcountry Farm Credit Services Flca Mortgage Rates, Fees & Info
Fargo, NDLEI: 254900ASL383AJ6GSJ43
Tax ID: 45-0455253
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Mortgage Data
Review & Overview
Agcountry Farm Credit Services Flca is a smaller mortgage company specializing in Refi and Home Purchase loans. Agcountry Farm Credit Services Flca has a high proportion of conventional loans. Their top markets by origination volume include: Stevens Point, Wausau, Fergus Falls, Willmar, and Alexandria among others. We have data for 15 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% | 11/21/24 |
| 15 Year Conventional Refi | 7.10% | 11/21/24 |
| 15 Year Cash-out Refi | 7.10% | 11/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
136Origination Dollar Volume (All Markets)
$25,840,000Top 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 | 77 | $13,905,000 | $180,584 | $2,643 | 3.41% |
| Stevens Point, WI (FHA|USDA|VA) | 22 | $3,960,000 | $180,000 | $1,484 | 3.32% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 13 | $2,635,000 | $202,692 | $1,868 | 3.50% |
| Fergus Falls, MN (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $4,957 | 3.28% |
| Willmar, MN (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $5,783 | 3.68% |
| Alexandria, MN (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,848 | 3.10% |
| Marshall, MN (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $2,718 | 3.35% |
| Shawano, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $1,100 | 3.13% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,913 | 3.85% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,302 | 3.25% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $1,133 | 2.90% |
| Brookings, SD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,970 | 3.25% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,570 | 3.15% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,600 | 3.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,435 | 3.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 136 | $25,840,000 | $190,000 | $2,497 | 3.37% |
For 2020, Agcountry Farm Credit Services Flca's most frequently originated type of loan was Conventional, with 136 originations.
Loan Reason
For 2020, Agcountry Farm Credit Services Flca's most frequently cited loan purpose was Refi, with 69 originations. The 2nd most popular reason was Home Purchase, with 53 originations.
Loan Duration/Length
For 2020, Agcountry Farm Credit Services Flca's most frequently cited loan duration was Other, with 85 originations. The 2nd most popular length was 20 Year, with 25 originations.
Origination Fees/Closing Costs
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 95 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 88 | $16,980,000 | $192,955 |
| 2.5-3% | 27 | $5,035,000 | $186,481 |
| 4-5% | 17 | $3,635,000 | $213,824 |
| <2.5% | 4 | $190,000 | $47,500 |
During 2020, Agcountry Farm Credit Services Flca's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 88 originations.
Loan Sizing
2020 saw Agcountry Farm Credit Services Flca place emphasis on $100k-200k loans with 55 originations, totaling $8,065,000 in origination value.
Applicant Income
Agcountry Farm Credit Services Flca lent most frequently to those with incomes in the $100k-150k range, with 41 originations. The second most popular income band? $50k-75k, with 28 originations.
Applicant Debt to Income Ratio
Agcountry Farm Credit Services Flca lent most frequently to those with DTI ratios of 20-30%, with 51 originations. The next most common DTI ratio? 30-36%, with 36 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 133 | $25,175,000 | $189,286 | $2,470 | 3.37% |
| Not provided | 3 | $665,000 | $221,667 | $3,705 | 3.47% |
Approval Rates
Total approvals of all applications98.88%
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 origination69.85%
Agcountry Farm Credit Services Flca has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 136 | $25,840,000 | $190,000 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3 | $805,000 | $268,333 |
| Single Family (1-4 Units):Site-Built | 133 | $25,035,000 | $188,233 |