Applications / Mortgage Analytics / Lenders / North Dakota / AgCountry Farm Credit Services, FLCA
Fargo, ND · Independent non-bank lender · CFPB · 102 loans in 2025
AgCountry Farm Credit Services, FLCA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
102
loans originated, 2025
137
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AgCountry Farm Credit Services, FLCA, a Fargo-based non-bank lender to rural home buyers in Minnesota, the Dakotas and Wisconsin, saw its lending fall 43% in 2025, one of the steepest falls among similar lenders.
Its three largest markets are the non-metro parts of Minnesota, North Dakota and Wisconsin; it lends in 50 counties across four states. Every loan in 2025 was conventional, while similar lenders, independent non-bank lenders making between half and twice as many loans, typically had 15.4% FHA loans (insured by the Federal Housing Administration). Purchases were 58.8% of its loans and refinances 35.3%.
It made 102 loans, down from 178 a year earlier. Similar lenders fell 2% and the whole market grew 10%, so only a few of its peers shrank faster. Its lending has swung before: from 136 loans in 2020 to 192 in 2021 and back to 138 in 2022. The record gives no reason for this year's drop.
In Fargo, its home metro, it held 0.1% of lending and ranked 76 of 207 lenders; Bell Bank and Gate City Bank lead there. It does better outside the cities, ranking 24 of 191 lenders in non-metro North Dakota. Its shares in smaller metros such as Wausau and Grand Forks rest on too few loans to read much into.
None of its loans was higher-priced, meaning a rate well above the average for similar loans, against 1.9% at similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AgCountry Farm Credit Services, FLCA took 137 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.8% · Refinance 35.3% · Home improvement 5.9%
Conventional 100.0% · of 102 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Minnesota | 46 | 45.1% |
| North Dakota | 28 | 27.5% |
| Wisconsin | 27 | 26.5% |
| South Dakota | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fargo | 3 |
| Grand Forks | 2 |
| Wausau | 2 |
| Eau Claire | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ASL383AJ6GSJ43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2944818 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7450455253 |
Established 1 July 2017. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: AgCountry Farm Credit Services, FLCA's data.
AgCountry Farm Credit Services, FLCA's data
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