Farm Credit Services of Western Arkansas, ACA: 2025 mortgage rates, costs & approvals
How Farm Credit Services of Western Arkansas, ACA priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Farm Credit Services of Western Arkansas, ACA · LEI 549300LAQ3M8E5I08F43
In 2025, Farm Credit Services of Western Arkansas, ACA originated 168 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 2 states — 1383rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 10 basis points above the national median. Median conventional loan costs were $6,490, 17% higher than the national median ($5,570).
It denied 17.0% of completed home-purchase applications (all lenders: 8.5%).
How Farm Credit Services of Western Arkansas, ACA priced home-purchase loans
| Purchase loans, 2025 | Farm Credit Services of Western Arkansas, ACA | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.23 pts | +0.13 pts |
| Total loan costs · conventional | $6,490 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $4,600 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 45.7% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Farm Credit Services of Western Arkansas, ACA denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Farm Credit Services of Western Arkansas, ACA lends
Counties where Farm Credit Services of Western Arkansas, ACA is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calhoun County, AR | 3 | 4 | 9.5% |
| Lafayette County, AR | 4 | 2 | 7.7% |
| Nevada County, AR | 5 | 3 | 6.1% |
| Columbia County, AR | 5 | 8 | 4.9% |
| Conway County, AR | 3 | 10 | 4.8% |
| Hempstead County, AR | 6 | 7 | 4.7% |
| Howard County, AR | 7 | 3 | 4.2% |
| Logan County, AR | 8 | 7 | 3.7% |
| Johnson County, AR | 7 | 9 | 3.3% |
| Sevier County, AR | 10 | 4 | 3.3% |
| Franklin County, AR | 9 | 6 | 2.9% |
| Little River County, AR | 11 | 3 | 2.8% |
| Dallas County, AR | 15 | 1 | 2.8% |
| Perry County, AR | 11 | 3 | 2.6% |
| Scott County, AR | 9 | 2 | 2.5% |
Check Farm Credit Services of Western Arkansas, ACA yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300LAQ3M8E5I08F43.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Farm Credit Services of Western Arkansas, ACA with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology