# Farm Credit Services of Western Arkansas, ACA

> **Canonical URL:** https://saferate.com/lenders/farm-credit-services-of-western-arkansas-aca


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Farm Credit Services of Western Arkansas, ACA is a independent mortgage company, headquartered in Russellville, AR, serving borrowers across 2 states, with 112 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 89% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LAQ3M8E5I08F43
- **Headquarters:** Russellville, AR
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AR, OK
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 11/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.504%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,619
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 112
- **Dollar Volume:** $31 million
- **Applications Received:** 188
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $275,446
- **Average Borrower Income:** $173,277
- **Average Property Value:** $446,964

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 110 | +0.504% | $2,619 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 84 loans, Score: 43/100 (Sound)
- Refinance: 26 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 85 | $24M | +0.533% | Acceptable 🙂 |
| Refinance | 38/100 | 27 | $7M | +0.476% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 110 | 0.34% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 56 | 52/100 |
| Fayetteville | AR | 17 | 53/100 |
| Fort Smith, AR | AR-OK | 17 | 54/100 |
| Little Rock | AR | 10 | 46/100 |

## Where This Lender Ranks

Farm Credit Services of Western Arkansas, ACA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Fort Smith, AR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does Farm Credit Services of Western Arkansas, ACA offer?

Farm Credit Services of Western Arkansas, ACA offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Farm Credit Services of Western Arkansas, ACA offer mortgages?

Farm Credit Services of Western Arkansas, ACA offers mortgages in 2 states: AR, OK.

### How competitive are Farm Credit Services of Western Arkansas, ACA's mortgage rates?

Farm Credit Services of Western Arkansas, ACA has a pricing score of 11/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.504% above market average.

### What type of lender is Farm Credit Services of Western Arkansas, ACA?

Farm Credit Services of Western Arkansas, ACA is a non-depository lender that specializes in mortgage origination, headquartered in Russellville, AR.

### What is Farm Credit Services of Western Arkansas, ACA's loan approval success rate?

Farm Credit Services of Western Arkansas, ACA has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/farm-credit-services-of-western-arkansas-aca

### How to Cite

> "Farm Credit Services of Western Arkansas, ACA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/farm-credit-services-of-western-arkansas-aca

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