AgHeritage Farm Credit Services, ACA in Arkansas vs the state
6.3%Denial rate-11.94 pts vs state
7.3%Decision denial rate-15.81 pts vs state
79.2%Origination rate+22.34 pts vs state
7.00%Median rate+0.38 pts vs state
0.45Rate spread (pts)+0.11 pts vs state
$171kMedian applicant income
76Loans originated
6Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 40 | 2.3% | 7.48% | #203 |
| 2024 | 71 | 66 | 2.8% | 7.25% | #173 |
| 2025 | 96 | 76 | 6.3% | 7.00% | #152 |
What AgHeritage Farm Credit Services, ACA lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most AgHeritage Farm Credit Services, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lonoke County | 19 | 17 | 2 | 10.5% |
| White County | 15 | 12 | 0 | 0.0% |
| Cleburne County | 9 | 9 | 0 | 0.0% |
| Pulaski County | 6 | 5 | 0 | 0.0% |
| Independence County | 5 | 5 | 0 | 0.0% |
| Randolph County | 5 | 2 | 0 | 0.0% |
| Ashley County | 4 | 3 | 0 | 0.0% |
| Izard County | 4 | 4 | 0 | 0.0% |
| Arkansas County | 3 | 1 | 0 | 0.0% |
| Saline County | 3 | 2 | 1 | 33.3% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 96 applications in 2025, of which 76 were originated and 6 denied.
6.3% of all applications, or 7.3% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans AgHeritage Farm Credit Services, ACA originated in Arkansas in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are AgHeritage Farm Credit Services, ACA's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology