AgWest Farm Credit, FLCA in California vs the state
17.6%Denial rate+0.15 pts vs state
31.0%Decision denial rate+8.55 pts vs state
31.1%Origination rate-25.12 pts vs state
6.20%Median rate-0.42 pts vs state
0.11Rate spread (pts)-0.17 pts vs state
$235kMedian applicant income
46Loans originated
26Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 35 | 22.6% | 7.20% | #415 |
| 2024 | 143 | 47 | 15.4% | 6.50% | #389 |
| 2025 | 148 | 46 | 17.6% | 6.20% | #393 |
What AgWest Farm Credit, FLCA lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most AgWest Farm Credit, FLCA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulare County | 20 | 8 | 2 | 10.0% |
| Fresno County | 17 | 9 | 1 | 5.9% |
| San Luis Obispo County | 11 | 2 | 6 | 54.5% |
| Merced County | 10 | 3 | 0 | 0.0% |
| Kings County | 9 | 2 | 1 | 11.1% |
| Stanislaus County | 8 | 1 | 1 | 12.5% |
| Colusa County | 7 | 2 | 3 | 42.9% |
| Yolo County | 7 | 2 | 0 | 0.0% |
| Madera County | 6 | 1 | 0 | 0.0% |
| Kern County | 6 | 3 | 1 | 16.7% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 148 applications in 2025, of which 46 were originated and 26 denied.
17.6% of all applications, or 31.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans AgWest Farm Credit, FLCA originated in California in 2025 was 6.20%, against a statewide median of 6.63%.
About this data. Figures are AgWest Farm Credit, FLCA's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology