Applications / Mortgage Analytics / Lenders / Washington / AgWest Farm Credit, FLCA
Spokane, WA · Independent non-bank lender · CFPB · 330 loans in 2025
AgWest Farm Credit, FLCA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
330
loans originated, 2025
904
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AgWest Farm Credit, FLCA makes big conventional loans, mostly in Oregon, with a jumbo share far above similar non-banks' and a sideline in manufactured homes.
Its typical loan was $465,000, against $325,000 for similar lenders, meaning non-banks making between half and twice as many loans. Jumbo loans, those larger than the conforming limit, were 19.4% of its lending; the typical peer's share was 1.0%. That puts it above nearly all of them.
Manufactured homes made up 16.4% of its loans, against 0.2% at similar lenders. Every loan was conventional, with no loans insured by the Federal Housing Administration (FHA) or guaranteed by Veterans Affairs. Its typical rate, 6.45%, was below most peers'. Its higher-priced share (a rate well above the average for similar loans) was 3.6%, against 1.4%, a gap its manufactured-home lending could account for.
Only 4.5% of its borrowers had low or moderate incomes (LMI), against 22.1% at similar lenders, among the lowest twentieth. Loans this large usually go to higher earners, which may explain much of the gap.
Its loans rose 2% to 330, in line with peers' 3%. It has lent in Portland, Salem and the countryside of Oregon, Washington and Idaho since 2004. It ranks 53 of 325 lenders in Salem, and it entered Santa Fe in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AgWest Farm Credit, FLCA took 904 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.4% · Refinance 29.1% · Home improvement 4.5%
Conventional 100.0% · of 330 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 |
|---|---|---|
| Oregon | 121 | 36.7% |
| Washington | 65 | 19.7% |
| California | 46 | 13.9% |
| Idaho | 37 | 11.2% |
| Montana | 29 | 8.8% |
| Arizona | 14 | 4.2% |
| Utah | 13 | 3.9% |
| Alaska | 2 | 0.6% |
| New Mexico | 1 | 0.3% |
| Virginia | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 30 |
| Salem | 20 |
| Albany | 12 |
| Bend | 10 |
| Eugene-Springfield | 10 |
| Fresno | 10 |
| Boise City | 9 |
| Visalia | 8 |
| Yakima | 6 |
| Sacramento-Roseville-Folsom | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KDR80I1ELW8D36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2558943 | 2010–2016 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5814734 | 2022–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7912006136 |
Established 1 January 2023. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: AgWest Farm Credit, FLCA's data.
AgWest Farm Credit, FLCA's data
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AgWest Farm Credit, FLCA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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