Agcountry Farm Credit Services, Flca Mortgage Lending & HMDA Data, 2022
In 2022, Agcountry Farm Credit Services, Flca of Fargo, ND reported 195 mortgage applications totaling $42.0 million, down 25% from 2021. The average application was for $215,358, and applicants reported an average income of $152,928. 71% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Wausau, WI (12), Eau Claire, WI (5) and Fargo, ND-MN (4) (applications in parentheses).
| Mortgage Company & Address | Agcountry Farm Credit Services, Flca 1900 44th St S - Po Box 6020 Fargo, ND 58108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 195 |
| Total Mortgage Loan Application Amount | $41,995,000 |
| Average Mortgage Loan Application Amount | $215,358 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $152,928 |
| Highest Applicant Income | $2,335,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Agcountry Farm Credit Services, Flca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Otter Tail, Minnesota | 16 | $ 3,250,000 | $ 203,125 | $ 136,000 |
| Clark, Wisconsin | 13 | $ 1,845,000 | $ 141,923 | $ 78,000 |
| Marathon, Wisconsin | 12 | $ 2,530,000 | $ 210,833 | $ 147,000 |
| Portage, Wisconsin | 12 | $ 2,190,000 | $ 182,500 | $ 117,000 |
| Taylor, Wisconsin | 12 | $ 1,440,000 | $ 120,000 | $ 87,000 |
| Waushara, Wisconsin | 9 | $ 1,495,000 | $ 166,111 | $ 157,000 |
| Redwood, Minnesota | 6 | $ 1,630,000 | $ 271,666 | $ 133,000 |
| Price, Wisconsin | 6 | $ 840,000 | $ 140,000 | $ 84,000 |
| Becker, Minnesota | 5 | $ 935,000 | $ 187,000 | $ 589,000 |
| Renville, Minnesota | 5 | $ 985,000 | $ 197,000 | $ 103,000 |
| Stevens, Minnesota | 5 | $ 1,185,000 | $ 237,000 | $ 157,000 |
| Chippewa, Wisconsin | 5 | $ 725,000 | $ 145,000 | $ 100,000 |
| Clay, Minnesota | 4 | $ 1,180,000 | $ 295,000 | $ 194,000 |
| Norman, Minnesota | 4 | $ 1,000,000 | $ 250,000 | $ 198,000 |
| Traill, North Dakota | 4 | $ 1,040,000 | $ 260,000 | $ 230,000 |
| Wood, Wisconsin | 4 | $ 930,000 | $ 232,500 | $ 82,000 |
| Chippewa, Minnesota | 3 | $ 835,000 | $ 278,333 | $ 82,000 |
| Pope, Minnesota | 3 | $ 1,635,000 | $ 545,000 | $ 225,000 |
| Roseau, Minnesota | 3 | $ 755,000 | $ 251,666 | $ 232,000 |
| Stearns, Minnesota | 3 | $ 405,000 | $ 135,000 | $ 433,000 |
| Yellow Medicine, Minnesota | 3 | $ 225,000 | $ 75,000 | $ 95,000 |
| Richland, North Dakota | 3 | $ 475,000 | $ 158,333 | $ 186,000 |
| Stutsman, North Dakota | 3 | $ 1,465,000 | $ 488,333 | $ 202,000 |
| Grant, Minnesota | 2 | $ 310,000 | $ 155,000 | $ 80,000 |
| Kandiyohi, Minnesota | 2 | $ 350,000 | $ 175,000 | $ 148,000 |
| Lyon, Minnesota | 2 | $ 300,000 | $ 150,000 | $ 150,000 |
| Polk, Minnesota | 2 | $ 460,000 | $ 230,000 | $ 100,000 |
| Traverse, Minnesota | 2 | $ 500,000 | $ 250,000 | $ 157,000 |
| Barnes, North Dakota | 2 | $ 430,000 | $ 215,000 | $ 117,000 |
| Cavalier, North Dakota | 2 | $ 610,000 | $ 305,000 | $ 212,000 |
| Grand Forks, North Dakota | 2 | $ 970,000 | $ 485,000 | $ 331,000 |
| Sargent, North Dakota | 2 | $ 340,000 | $ 170,000 | $ 259,000 |
| Big Stone, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Carver, Minnesota | 1 | $ 425,000 | $ 425,000 | $ 240,000 |
| Cottonwood, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Douglas, Minnesota | 1 | $ 505,000 | $ 505,000 | $ 299,000 |
| Hubbard, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 324,000 |
| Kittson, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 148,000 |
| Koochiching, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 112,000 |
| Lac qui Parle, Minnesota | 1 | $ 335,000 | $ 335,000 | $ 222,000 |
| Mahnomen, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 201,000 |
| Meeker, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Pennington, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Swift, Minnesota | 1 | $ 525,000 | $ 525,000 | $ 253,000 |
| Wilkin, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 162,000 |
| Ransom, North Dakota | 1 | $ 365,000 | $ 365,000 | $ 167,000 |
| Walsh, North Dakota | 1 | $ 515,000 | $ 515,000 | $ 155,000 |
| Brookings, South Dakota | 1 | $ 645,000 | $ 645,000 | $ 169,000 |
| Jackson, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Langlade, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Oneida, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Pepin, Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 108,000 |
| Rusk, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Vilas, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Agcountry Farm Credit Services, Flca in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 118 | $30,060,000 | $254,000 | $1,105,000 | $169,000 | $2,335,000 |
| Refinancing | 47 | $8,415,000 | $179,000 | $425,000 | $135,000 | $1,020,000 |
| Home Improvement | 21 | $2,165,000 | $103,000 | $275,000 | $108,000 | $259,000 |
| Other Purpose | 8 | $1,290,000 | $161,000 | $505,000 | $138,000 | $324,000 |
| Cash-out Refinancing | 1 | $65,000 | $65,000 | $65,000 | $162,000 | $162,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 191 | $40,945,000 | $214,000 | $1,105,000 | $151,000 | $2,335,000 |
| Not Provided | 2 | $420,000 | $210,000 | $405,000 | $94,000 | $100,000 |
| Asian | 1 | $305,000 | $305,000 | $305,000 | $612,000 | $612,000 |
| Hispanic | 1 | $325,000 | $325,000 | $325,000 | $72,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 195 | $41,995,000 | $215,000 | $1,105,000 | $153,000 | $2,335,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 138 | $26,490,000 | $191,000 | $645,000 | $154,000 | $2,335,000 |
| Application Withdrawn By Applicant | 56 | $15,320,000 | $273,000 | $1,105,000 | $151,000 | $1,020,000 |
| Application Denied By Financial Institution | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 194 | $41,810,000 | $215,000 | $1,105,000 | $153,000 | $2,335,000 |
| Credit History | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Agcountry Farm Credit Services, Flca's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Agcountry Farm Credit Services, Flca's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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