AgCountry Farm Credit Services, FLCA at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
89th1.9% deniedPricingmedian rate spread over APOR, weight 30%
35th0.41 ptsProcesswithdrawn + incomplete share, weight 15%
12th24.1%Closing coststotal loan costs ÷ loan amount, weight 10%
56th1.78% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 160 | 137 | 2.5% | 2.8% | 7.30% | $33M |
| 2024 | 207 | 178 | 0.5% | 0.6% | 7.18% | $49M |
| 2025 | 137 | 102 | 1.5% | 1.9% | 7.10% | $33M |
What AgCountry Farm Credit Services, FLCA lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 2 investment properties.
Why AgCountry Farm Credit Services, FLCA denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at AgCountry Farm Credit Services, FLCA
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 38 | 27 | 6.9% |
| $100k – $150k | 20 | 11 | 0.0% |
| $150k – $250k | 40 | 27 | 0.0% |
| Over $250k | 32 | 31 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 14 | 6.7% |
| 25–34 | 45 | 34 | 0.0% |
| 35–44 | 33 | 27 | 0.0% |
| 45–54 | 25 | 15 | 6.3% |
Where AgCountry Farm Credit Services, FLCA lends
4 states and 57 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Minnesota | 61 | 46 | 0.0% | 7.10% | #265 |
| Wisconsin | 44 | 27 | 4.6% | 7.15% | #345 |
| North Dakota | 31 | 28 | 0.0% | 7.10% | #88 |
Frequently asked questions
AgCountry Farm Credit Services, FLCA denied 1.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 89th percentile of small mortgage lenders.
The most common reason AgCountry Farm Credit Services, FLCA gave in 2025 was "debt-to-income ratio", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans AgCountry Farm Credit Services, FLCA originated in 2025 was 7.10%, and its median rate spread over the average prime offer rate was 0.41 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 62% of its applications were for home purchases, 33% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.