Agwest Farm Credit, Flca Mortgage Lending & HMDA Data, 2025

In 2025, Agwest Farm Credit, Flca of Spokane, WA reported 904 mortgage applications totaling $532.8 million, up 19% from 2024. The average application was for $589,402, and applicants reported an average income of $347,336. 37% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (81), Salem, OR (49) and Bend-Redmond, OR (32) (applications in parentheses).

Mortgage Company & Address Agwest Farm Credit, Flca
2001 South Flint Road
Spokane, WA 99224
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 904
Total Mortgage Loan Application Amount $532,820,000
Average Mortgage Loan Application Amount $589,402
Highest Mortgage Loan Application Amount $3,705,000
Average Applicant Income $347,336
Highest Applicant Income $7,776,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Agwest Farm Credit, Flca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Agwest Farm Credit, Flca by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Marion, Oregon 31 $ 22,265,000 $ 718,225 $ 479,000
Clackamas, Oregon 27 $ 18,485,000 $ 684,629 $ 553,000
Linn, Oregon 26 $ 15,650,000 $ 601,923 $ 223,000
Deschutes, Oregon 22 $ 20,380,000 $ 926,363 $ 463,000
Lewis, Washington 22 $ 8,110,000 $ 368,636 $ 194,000
Tulare, California 20 $ 12,910,000 $ 645,500 $ 571,000
Lane, Oregon 19 $ 10,155,000 $ 534,473 $ 255,000
Polk, Oregon 18 $ 11,160,000 $ 620,000 $ 218,000
Fresno, California 17 $ 12,455,000 $ 732,647 $ 458,000
Washington, Oregon 17 $ 12,215,000 $ 718,529 $ 318,000
Spokane, Washington 16 $ 4,950,000 $ 309,375 $ 150,000
Grant, Washington 13 $ 6,395,000 $ 491,923 $ 580,000
Klickitat, Washington 13 $ 4,605,000 $ 354,230 $ 383,000
Yamhill, Oregon 12 $ 7,030,000 $ 585,833 $ 287,000
Clark, Washington 12 $ 5,500,000 $ 458,333 $ 153,000
San Luis Obispo, California 11 $ 20,095,000 $ 1,826,818 $ 1,055,000
Umatilla, Oregon 11 $ 5,245,000 $ 476,818 $ 466,000
Wasco, Oregon 11 $ 3,095,000 $ 281,363 $ 160,000
Whatcom, Washington 11 $ 5,985,000 $ 544,090 $ 388,000
Merced, California 10 $ 6,530,000 $ 653,000 $ 623,000
Canyon, Idaho 10 $ 5,800,000 $ 580,000 $ 223,000
Klamath, Oregon 10 $ 4,740,000 $ 474,000 $ 161,000
Clallam, Washington 10 $ 3,310,000 $ 331,000 $ 136,000
Skagit, Washington 10 $ 4,410,000 $ 441,000 $ 122,000
Yakima, Washington 10 $ 6,080,000 $ 608,000 $ 378,000
Kings, California 9 $ 5,285,000 $ 587,222 $ 357,000
Baker, Oregon 9 $ 3,505,000 $ 389,444 $ 442,000
Jackson, Oregon 9 $ 4,345,000 $ 482,777 $ 282,000
Mohave, Arizona 8 $ 1,230,000 $ 153,750 $ 189,000
Stanislaus, California 8 $ 8,580,000 $ 1,072,500 $ 666,000
Crook, Oregon 8 $ 4,260,000 $ 532,500 $ 427,000
Cache, Utah 8 $ 9,130,000 $ 1,141,250 $ 434,000
Chelan, Washington 8 $ 2,890,000 $ 361,250 $ 298,000
Stevens, Washington 8 $ 3,260,000 $ 407,500 $ 153,000
Colusa, California 7 $ 6,925,000 $ 989,285 $ 374,000
Yolo, California 7 $ 6,105,000 $ 872,142 $ 337,000
Gem, Idaho 7 $ 2,945,000 $ 420,714 $ 710,000
Benton, Oregon 7 $ 3,375,000 $ 482,142 $ 395,000
Grays Harbor, Washington 7 $ 2,865,000 $ 409,285 $ 167,000
King, Washington 7 $ 5,595,000 $ 799,285 $ 311,000
Maricopa, Arizona 6 $ 5,060,000 $ 843,333 $ 299,000
Butte, California 6 $ 3,520,000 $ 586,666 $ 402,000
Kern, California 6 $ 3,170,000 $ 528,333 $ 181,000
Madera, California 6 $ 3,550,000 $ 591,666 $ 929,000
Solano, California 6 $ 4,610,000 $ 768,333 $ 237,000
Clatsop, Oregon 6 $ 2,780,000 $ 463,333 $ 197,000
Douglas, Oregon 6 $ 2,120,000 $ 353,333 $ 76,000
Malheur, Oregon 6 $ 2,430,000 $ 405,000 $ 170,000
Pierce, Washington 6 $ 3,420,000 $ 570,000 $ 156,000
Snohomish, Washington 6 $ 3,830,000 $ 638,333 $ 895,000
Thurston, Washington 6 $ 1,770,000 $ 295,000 $ 230,000
Glenn, California 5 $ 3,535,000 $ 707,000 $ 197,000
Sutter, California 5 $ 5,655,000 $ 1,131,000 $ 383,000
Tehama, California 5 $ 2,215,000 $ 443,000 $ 512,000
Franklin, Idaho 5 $ 3,145,000 $ 629,000 $ 168,000
Kootenai, Idaho 5 $ 2,645,000 $ 529,000 $ 258,000
Payette, Idaho 5 $ 3,055,000 $ 611,000 $ 265,000
Yellowstone, Montana 5 $ 1,695,000 $ 339,000 $ 165,000
Columbia, Oregon 5 $ 2,845,000 $ 569,000 $ 174,000
Harney, Oregon 5 $ 1,545,000 $ 309,000 $ 147,000
Hood River, Oregon 5 $ 4,715,000 $ 943,000 $ 287,000
Morrow, Oregon 5 $ 3,725,000 $ 745,000 $ 374,000
Multnomah, Oregon 5 $ 4,405,000 $ 881,000 $ 860,000
Box Elder, Utah 5 $ 2,285,000 $ 457,000 $ 138,000
Cowlitz, Washington 5 $ 2,615,000 $ 523,000 $ 217,000
Franklin, Washington 5 $ 2,025,000 $ 405,000 $ 417,000
Kittitas, Washington 5 $ 3,055,000 $ 611,000 $ 177,000
Matanuska-Susitna, Alaska 4 $ 820,000 $ 205,000 $ 125,000
Apache, Arizona 4 $ 1,240,000 $ 310,000 $ 146,000
Yavapai, Arizona 4 $ 1,610,000 $ 402,500 $ 116,000
Adams, Idaho 4 $ 1,240,000 $ 310,000 $ 104,000
Bingham, Idaho 4 $ 2,760,000 $ 690,000 $ 916,000
Bonner, Idaho 4 $ 2,140,000 $ 535,000 $ 226,000
Jefferson, Idaho 4 $ 1,980,000 $ 495,000 $ 75,000
Twin Falls, Idaho 4 $ 740,000 $ 185,000 $ 213,000
Cascade, Montana 4 $ 2,060,000 $ 515,000 $ 197,000
Gallatin, Montana 4 $ 2,220,000 $ 555,000 $ 224,000
Jefferson, Montana 4 $ 1,890,000 $ 472,500 $ 208,000
Park, Montana 4 $ 3,070,000 $ 767,500 $ 305,000
Tillamook, Oregon 4 $ 1,890,000 $ 472,500 $ 212,000
Benton, Washington 4 $ 1,890,000 $ 472,500 $ 140,000
Douglas, Washington 4 $ 1,180,000 $ 295,000 $ 195,000
Mason, Washington 4 $ 1,540,000 $ 385,000 $ 203,000
Okanogan, Washington 4 $ 1,440,000 $ 360,000 $ 298,000
Walla Walla, Washington 4 $ 1,630,000 $ 407,500 $ 264,000
Uinta, Wyoming 4 $ 1,380,000 $ 345,000 $ 187,000
Pinal, Arizona 3 $ 2,485,000 $ 828,333 $ 277,000
Nevada, California 3 $ 5,995,000 $ 1,998,333 $ 1,514,000
Placer, California 3 $ 1,295,000 $ 431,666 $ 258,000
Ada, Idaho 3 $ 4,385,000 $ 1,461,666 $ 306,000
Bannock, Idaho 3 $ 1,485,000 $ 495,000 $ 256,000
Caribou, Idaho 3 $ 1,815,000 $ 605,000 $ 123,000
Gooding, Idaho 3 $ 2,585,000 $ 861,666 $ 760,000
Lemhi, Idaho 3 $ 1,775,000 $ 591,666 $ 64,000
Richland, Montana 3 $ 1,415,000 $ 471,666 $ 1,740,000
Sanders, Montana 3 $ 2,065,000 $ 688,333 $ 181,000
Coos, Oregon 3 $ 955,000 $ 318,333 $ 154,000
Curry, Oregon 3 $ 1,215,000 $ 405,000 $ 163,000
Millard, Utah 3 $ 1,355,000 $ 451,666 $ 355,000
Sanpete, Utah 3 $ 1,195,000 $ 398,333 $ 124,000
Sevier, Utah 3 $ 1,165,000 $ 388,333 $ 194,000
Ferry, Washington 3 $ 495,000 $ 165,000 $ 297,000
Skamania, Washington 3 $ 1,105,000 $ 368,333 $ 178,000
Cochise, Arizona 2 $ 700,000 $ 350,000 $ 315,000
Pima, Arizona 2 $ 700,000 $ 350,000 $ 142,000
Sacramento, California 2 $ 900,000 $ 450,000 $ 103,000
Santa Barbara, California 2 $ 1,720,000 $ 860,000 $ 218,000
Siskiyou, California 2 $ 1,210,000 $ 605,000 $ 422,000
Ventura, California 2 $ 3,530,000 $ 1,765,000 $ 481,000
Benewah, Idaho 2 $ 1,050,000 $ 525,000 $ 178,000
Boise, Idaho 2 $ 1,060,000 $ 530,000 $ 160,000
Cassia, Idaho 2 $ 460,000 $ 230,000 $ 148,000
Clearwater, Idaho 2 $ 850,000 $ 425,000 $ 175,000
Jerome, Idaho 2 $ 900,000 $ 450,000 $ 168,000
Owyhee, Idaho 2 $ 1,110,000 $ 555,000 $ 194,000
Valley, Idaho 2 $ 280,000 $ 140,000 $ 332,000
Beaverhead, Montana 2 $ 830,000 $ 415,000 $ 91,000
Broadwater, Montana 2 $ 570,000 $ 285,000 $ 87,000
Carbon, Montana 2 $ 1,280,000 $ 640,000 $ 200,000
Deer Lodge, Montana 2 $ 230,000 $ 115,000 $ 242,000
Lewis and Clark, Montana 2 $ 1,580,000 $ 790,000 $ 3,941,000
Lincoln, Montana 2 $ 860,000 $ 430,000 $ 158,000
Madison, Montana 2 $ 1,710,000 $ 855,000 $ 249,000
Musselshell, Montana 2 $ 630,000 $ 315,000 $ 212,000
Ravalli, Montana 2 $ 1,260,000 $ 630,000 $ 333,000
Teton, Montana 2 $ 640,000 $ 320,000 $ 103,000
Grant, Oregon 2 $ 1,890,000 $ 945,000 $ 435,000
Jefferson, Oregon 2 $ 920,000 $ 460,000 $ 122,000
Josephine, Oregon 2 $ 700,000 $ 350,000 $ 180,000
Lincoln, Oregon 2 $ 1,580,000 $ 790,000 $ 239,000
Sherman, Oregon 2 $ 630,000 $ 315,000 $ 103,000
Union, Oregon 2 $ 1,510,000 $ 755,000 $ 261,000
Iron, Utah 2 $ 930,000 $ 465,000 $ 74,000
Rich, Utah 2 $ 1,170,000 $ 585,000 $ 407,000
Jefferson, Washington 2 $ 760,000 $ 380,000 $ 114,000
Kitsap, Washington 2 $ 1,090,000 $ 545,000 $ 321,000
Lincoln, Washington 2 $ 710,000 $ 355,000 $ 196,000
Pacific, Washington 2 $ 730,000 $ 365,000 $ 145,000
Juneau, Alaska 1 $ 145,000 $ 145,000 $ 145,000
Sitka, Alaska 1 $ 1,505,000 $ 1,505,000 $ 348,000
Coconino, Arizona 1 $ 2,105,000 $ 2,105,000 $ 1,029,000
Navajo, Arizona 1 $ 605,000 $ 605,000 $ 407,000
El Dorado, California 1 $ 565,000 $ 565,000 $ 236,000
Los Angeles, California 1 $ 85,000 $ 85,000 $ 60,000
Mendocino, California 1 $ 175,000 $ 175,000 $ 84,000
San Diego, California 1 $ 1,505,000 $ 1,505,000 $ 450,000
Shasta, California 1 $ 555,000 $ 555,000 $ 157,000
Yuba, California 1 $ 465,000 $ 465,000 $ 290,000
Bear Lake, Idaho 1 $ 405,000 $ 405,000 $ 1,000
Blaine, Idaho 1 $ 2,875,000 $ 2,875,000 $ 1,894,000
Bonneville, Idaho 1 $ 585,000 $ 585,000 $ 1,989,000
Elmore, Idaho 1 $ 355,000 $ 355,000 $ 117,000
Fremont, Idaho 1 $ 105,000 $ 105,000 $ 60,000
Idaho, Idaho 1 $ 155,000 $ 155,000 $ 425,000
Latah, Idaho 1 $ 1,435,000 $ 1,435,000 $ 824,000
Oneida, Idaho 1 $ 115,000 $ 115,000 $ 48,000
Power, Idaho 1 $ 355,000 $ 355,000 $ 49,000
Teton, Idaho 1 $ 755,000 $ 755,000 $ 313,000
Custer, Montana 1 $ 105,000 $ 105,000 $ 123,000
Dawson, Montana 1 $ 205,000 $ 205,000 $ 131,000
Fallon, Montana 1 $ 405,000 $ 405,000 $ 186,000
Fergus, Montana 1 $ 435,000 $ 435,000 $ 80,000
Flathead, Montana 1 $ 695,000 $ 695,000 $ 600,000
Granite, Montana 1 $ 2,255,000 $ 2,255,000 $ 3,493,000
Hill, Montana 1 $ 395,000 $ 395,000 $ 95,000
Lake, Montana 1 $ 615,000 $ 615,000 $ 139,000
Missoula, Montana 1 $ 505,000 $ 505,000 $ 635,000
Powder River, Montana 1 $ 545,000 $ 545,000 $ 40,000
Silver Bow, Montana 1 $ 155,000 $ 155,000 $ 116,000
Lincoln, Nevada 1 $ 2,165,000 $ 2,165,000 $ 44,000
Santa Fe, New Mexico 1 $ 725,000 $ 725,000 $ 415,000
Gilliam, Oregon 1 $ 965,000 $ 965,000 $ 611,000
Wallowa, Oregon 1 $ 905,000 $ 905,000 $ 400,000
Beaver, Utah 1 $ 365,000 $ 365,000 $ 128,000
Daggett, Utah 1 $ 435,000 $ 435,000 $ 105,000
Duchesne, Utah 1 $ 1,025,000 $ 1,025,000 $ 251,000
Emery, Utah 1 $ 405,000 $ 405,000 $ 248,000
Summit, Utah 1 $ 505,000 $ 505,000 $ 54,000
Tooele, Utah 1 $ 455,000 $ 455,000 $ 135,000
Uintah, Utah 1 $ 365,000 $ 365,000 $ 419,000
Utah, Utah 1 $ 645,000 $ 645,000 $ 60,000
Washington, Utah 1 $ 1,125,000 $ 1,125,000 $ 150,000
Weber, Utah 1 $ 685,000 $ 685,000 $ 153,000
Clarke, Virginia 1 $ 905,000 $ 905,000 $ 745,000
Columbia, Washington 1 $ 345,000 $ 345,000 $ 157,000
Garfield, Washington 1 $ 505,000 $ 505,000 $ 54,000
San Juan, Washington 1 $ 1,005,000 $ 1,005,000 $ 1,206,000
Lincoln, Wyoming 1 $ 345,000 $ 345,000 $ 78,000

Mortgage Loan Application Detail Totals for Agwest Farm Credit, Flca in 2025

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 674 $431,500,000 $640,000 $3,705,000 $343,000 $6,105,000
Refinancing 210 $86,620,000 $412,000 $2,725,000 $335,000 $7,776,000
Home Improvement 20 $14,700,000 $735,000 $2,105,000 $623,000 $6,290,000
Cash-out Refinancing 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 529 $324,665,000 $613,000 $3,705,000 $347,000 $6,290,000
Not Provided 299 $162,035,000 $541,000 $2,805,000 $343,000 $7,776,000
Hispanic 52 $28,590,000 $549,000 $1,805,000 $376,000 $6,105,000
Asian 11 $11,505,000 $1,045,000 $2,505,000 $463,000 $1,200,000
American Indian or Alaskan Native 8 $3,460,000 $432,000 $595,000 $195,000 $316,000
Black or African American 2 $740,000 $370,000 $425,000 $111,000 $118,000
Native Hawaiian or Other Pacific Islander 2 $1,320,000 $660,000 $665,000 $437,000 $591,000
Not applicable 1 $505,000 $505,000 $505,000 $258,000 $258,000

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) 904 $532,820,000 $589,000 $3,705,000 $347,000 $7,776,000
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 330 $194,950,000 $590,000 $3,705,000 $421,000 $7,776,000
File Closed For Incompleteness 233 $133,985,000 $575,000 $2,505,000 $327,000 $6,105,000
Application Denied By Financial Institution 176 $107,080,000 $608,000 $3,225,000 $207,000 $2,400,000
Application Withdrawn By Applicant 106 $62,650,000 $591,000 $3,005,000 $381,000 $3,720,000
Application Approved But Not Accepted 59 $34,155,000 $578,000 $2,725,000 $369,000 $2,841,000
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 728 $425,740,000 $584,000 $3,705,000 $381,000 $7,776,000
Debt-To-Income Ratio 103 $63,535,000 $616,000 $3,225,000 $141,000 $565,000
Credit History 43 $27,135,000 $631,000 $2,805,000 $263,000 $2,400,000
Collateral 16 $6,470,000 $404,000 $1,365,000 $249,000 $658,000
Other 11 $8,365,000 $760,000 $2,725,000 $536,000 $1,660,000
Insufficient Cash (Downpayment, Closing Cost) 2 $1,510,000 $755,000 $1,245,000 $232,000 $358,000
Employment History 1 $65,000 $65,000 $65,000 $52,000 $52,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Agwest Farm Credit, Flca's 2025 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 Agwest Farm Credit, 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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