Applications / Mortgage Analytics / Lenders / Arkansas / Farm Credit Services of Western Arkansas, FLCA
Russellville, AR · Independent non-bank lender · CFPB · 192 loans in 2025
Farm Credit Services of Western Arkansas, FLCA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
192
loans originated, 2025
282
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farm Credit Services of Western Arkansas, FLCA, a rural Arkansas lender of conventional home-purchase loans, grew its lending by half in 2025, faster than more than nine in ten similar lenders.
It made 192 loans, up 51% on the year. Similar lenders, independent non-bank lenders making between half and twice as many loans, saw lending fall 1%, while the whole market grew 10%. The rise follows a slump to 127 loans in 2024, its fewest in the record since 2018, and leaves it below the 325 of 2020.
Every loan was conventional; peers put 16.3% into loans insured by the Federal Housing Administration. Purchases were 69.8% of its lending and refinances 22.9%. Its typical loan, $240,000, was smaller than peers' $325,000.
Its biggest market is non-metro Arkansas, where it ranks 28 of 459 lenders. It gained share in Fayetteville-Springdale-Rogers this year. Arvest Bank leads in Little Rock and Hot Springs, two of its other metro markets, where its own share held steady.
None of its loans in 2025 were higher-priced (carrying a rate well above the average for similar loans), against 1.8% at peers. Its typical rate, 6.60%, sat near the middle of similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farm Credit Services of Western Arkansas, FLCA took 282 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.8% · Refinance 22.9% · Home improvement 6.8% · Other 0.5%
Conventional 100.0% · of 192 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 188 | 97.9% |
| Oklahoma | 4 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 33 |
| Little Rock-North Little Rock-Conway | 16 |
| Fort Smith | 15 |
| Texarkana | 7 |
| Hot Springs | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LAQ3M8E5I08F43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4531575 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7710697350 |
Established 1 January 2001. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Farm Credit Services of Western Arkansas, FLCA's data.
Farm Credit Services of Western Arkansas, FLCA's data
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Farm Credit Services of Western Arkansas, FLCA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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