Farm Credit Services of Western Arkansas, ACA in Arkansas vs the state
14.6%Denial rate-3.59 pts vs state
16.9%Decision denial rate-6.25 pts vs state
68.6%Origination rate+11.78 pts vs state
6.60%Median rate-0.03 pts vs state
0.29Rate spread (pts)-0.05 pts vs state
$126kMedian applicant income
188Loans originated
40Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 234 | 168 | 15.8% | 7.15% | #85 |
| 2024 | 205 | 125 | 18.5% | 6.75% | #99 |
| 2025 | 274 | 188 | 14.6% | 6.60% | #90 |
What Farm Credit Services of Western Arkansas, ACA lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Farm Credit Services of Western Arkansas, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 19 | 17 | 0 | 0.0% |
| Washington County | 18 | 15 | 1 | 5.6% |
| Franklin County | 16 | 9 | 4 | 25.0% |
| Logan County | 15 | 10 | 3 | 20.0% |
| Conway County | 14 | 12 | 1 | 7.1% |
| Crawford County | 14 | 9 | 2 | 14.3% |
| Johnson County | 12 | 10 | 2 | 16.7% |
| Faulkner County | 12 | 7 | 3 | 25.0% |
| Columbia County | 10 | 9 | 1 | 10.0% |
| Pope County | 10 | 7 | 0 | 0.0% |
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: 274 applications in 2025, of which 188 were originated and 40 denied.
14.6% of all applications, or 16.9% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Farm Credit Services of Western Arkansas, ACA originated in Arkansas in 2025 was 6.60%, against a statewide median of 6.63%.
About this data. Figures are Farm Credit Services of Western Arkansas, 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