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Agwest Farm Credit, Flca

SPOKANE, WA

Agwest Farm Credit, Flca processed 761 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 324 loans with a 16.0% denial rate. Home Purchase was the primary loan purpose. Based in SPOKANE, WA. The approval rate of 42.6% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Agwest Farm Credit, Flca's 42.6% origination rate tells you how often an application turned into funded money; the 16.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (761 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

761
Applications
324
Originated
16.0%
Denial Rate
$563,068
Avg Loan Amount
Avg Interest Rate: 6.758% Avg Applicant Income: $31,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 761 324 122 $563,068

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Agwest Farm Credit, Flca (LEI: 549300KDR80I1ELW8D36) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
81
Credit history
38
Other
17
Collateral
13
Insufficient cash
5
Unverifiable information
2
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 544 205 $611,728
Refinancing 195 104 $461,154
Home Improvement 22 15 $263,182

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 450 43.3% 15.3%
Joint * 14 42.9% 28.6%
Asian * 13 15.4% 38.5%
American Indian or Alaska Native * 5 40.0% 20.0%
Black or African American * 4 0.0% 75.0%
2 or more minority races * 2 0.0% 0.0%
Native Hawaiian or Other Pacific Islander * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 409 43.8% 16.4%
Hispanic or Latino * 41 14.6% 36.6%
Joint * 21 38.1% 19.1%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in WA

Other HMDA-reporting lenders in WA with similar activity. Compare any two side-by-side.

Coastal Community Bank

Everett, WA

64,233 apps 15,099 originated 1.6% denied

Boeing Employees' Credit Union

Tukwila, WA

21,382 apps 13,093 originated 24.6% denied

Evergreen Moneysource Mortgage Company

BELLEVUE, WA

6,824 apps 4,791 originated 3.0% denied

Banner Bank

Walla Walla, WA

6,099 apps 3,140 originated 33.5% denied

WSECU

OLYMPIA, WA

4,133 apps 1,960 originated 42.2% denied
Compare Agwest Farm Credit, Flca vs Coastal Community Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Agwest Farm Credit, Flca process?
Agwest Farm Credit, Flca processed 761 mortgage applications in the 2024 HMDA reporting year. Of these, 324 were originated (approved and funded), 82 were withdrawn by the applicant, and 122 were denied.
What is Agwest Farm Credit, Flca's mortgage approval rate?
Agwest Farm Credit, Flca has an approval (origination) rate of 42.6%, meaning 42.6% of all applications resulted in a funded mortgage. The denial rate is 16.0%.
What is the average loan amount at Agwest Farm Credit, Flca?
The average mortgage loan amount at Agwest Farm Credit, Flca is $563,068. The average interest rate is 6.758%. The average applicant income is $31,000.
What are the most common reasons for mortgage denial at Agwest Farm Credit, Flca?
The most common reasons for mortgage denial at Agwest Farm Credit, Flca are: Debt-to-income ratio, Credit history, Other. In total, 122 applications were denied out of 761 total applications.
What types of mortgage loans does Agwest Farm Credit, Flca offer?
Agwest Farm Credit, Flca processes Conventional loans. The most common type is Conventional with 761 applications and an average loan amount of $563,068.
What loan purposes does Agwest Farm Credit, Flca serve?
Agwest Farm Credit, Flca serves the following loan purposes: Home Purchase (544 applications), Refinancing (195 applications), Home Improvement (22 applications). Home Purchase is the most common purpose.
Where is Agwest Farm Credit, Flca located?
Agwest Farm Credit, Flca is headquartered in SPOKANE, WA. The lender is identified by LEI 549300KDR80I1ELW8D36 in HMDA data.
How does Agwest Farm Credit, Flca compare in lending across racial demographics?
Agwest Farm Credit, Flca reports demographic lending data under HMDA requirements. White applicants have an approval rate of 43.3% and denial rate of 15.3%; Joint applicants have an approval rate of 42.9% and denial rate of 28.6%; Asian applicants have an approval rate of 15.4% and denial rate of 38.5%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.