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GreenStone Farm Credit Services, FLCA

Independent Mortgage Company•East Lansing, MIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from GreenStone Farm Credit Services, FLCA — 791 loans across 856 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Particularly strong in Conventional and Jumbo loans

Things to Think About

  • Rates typically 77 basis points above market average

Explore another lender or local market

Report Card

GreenStone Farm Credit Services, FLCA performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+76.9 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
749 loans · 0.77% above market
Strong
Top 40% of lenders
4/5
Jumbo
42 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
616 loans · 0.85% above market
Strong
Top 40% of lenders
4/5
Refinance
175 loans · 0.69% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume749
Mix94.7%
Spread
+0.769%Above
Fees
$2,193Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume42
Mix5.3%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume616
Mix77.9%
Spread
+0.846%Above
Fees
$2,309Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume175
Mix22.1%
Spread
+0.691%Above
Fees
$2,074Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
791
Applications
856
Volume
$258 million
Pricing & Closing
Avg Rate Spread
+0.769%
vs. market APOR
Avg Net Fees
$2,193
Origination − Credits
Pullthrough Rate
92.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$327,200
Avg Borrower Income
$183,329
Avg Property Value
$516,315

Geographic Coverage

Geographic Performance

Metro Areas
11
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
< 5050+None
Midwest4
ILMIMNWI
South2
FLTN

Top Metro Areas by Place Specialization Score

1© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 112Mix 14.16% of portfolio
68/100
Strong
2© WeaponizingArchitecture · CC BY-SA 4.0
Lansing, MIMetro
Volume 51Mix 6.45% of portfolio
65/100
Strong
3© WMrapids · CC0
Grand Rapids, MIMetro
Volume 80Mix 10.11% of portfolio
64/100
Strong
4© Michael Barera · CC BY-SA 4.0
Jackson, MIMetro
Volume 23Mix 2.91% of portfolio
63/100
Strong
5© w_lemay · CC BY-SA 2.0
Ann Arbor, MIMetro
Volume 29Mix 3.67% of portfolio
63/100
Strong
6© formulanone · CC BY-SA 2.0
Monroe, MIMetro
Volume 27Mix 3.41% of portfolio
63/100
Strong
7© w_lemay · CC0
Traverse City, MIMetro
Volume 25Mix 3.16% of portfolio
60/100
Sound
8© Michael Barera · CC BY-SA 4.0
Flint, MIMetro
Volume 15Mix 1.90% of portfolio
48/100
Sound
9© User:Hsxeric · CC BY-SA 4.0
Saginaw, MIMetro
Volume 11Mix 1.39% of portfolio
44/100
Sound
10© Michael Steeber from USA · CC BY-SA 2.0
Green Bay, WIMetro
Volume 12Mix 1.52% of portfolio
43/100
Sound
Showing 10 of 11 metro areas

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 721Mix 91.15% of portfolio
84/100
Exceptional
Wisconsin
Wisconsin
2
WisconsinState
Volume 65Mix 8.22% of portfolio
59/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.