Lender in Arkansas · HMDA 2025
Arkansas Federal Credit Union mortgages in Arkansas
Arkansas Federal Credit Union's 2025 home-purchase and refinance lending in Arkansas, compared with all lenders in the state.
Arkansas Federal Credit Union originated 648 owner-occupied single-family loans in Arkansas from 730 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $4,640 versus $3,850 for all Arkansas lenders, at a median 30-year fixed rate of 6.375% (Arkansas: 6.625%).
Loans in AR
648
of 730 applications
Denial rate
12.9%
Purchase · AR 8.5%
Rate spread
+0.10 pts
Conv. · AR +0.17 pts
Loan amount
$225,000
Purchase · AR $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 473 | 412 | 12.9% | 6.375% | +0.10 pts | $4,640 | $225,000 |
| Refinance | 166 | 149 | 10.2% | 6.375% | +0.01 pts | $4,150 | $265,000 |
| Cash-out refinance | 91 | 87 | 4.4% | 6.250% | +0.00 pts | $4,170 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Arkansas counties where Arkansas Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cleburne County | 5 | 16 | 5.4% |
| Perry County | 5 | 7 | 6.0% |
| Prairie County | 5 | 3 | 4.3% |
| Lonoke County | 6 | 68 | 4.6% |
| Conway County | 6 | 9 | 4.3% |
| Pulaski County | 7 | 169 | 3.4% |
| Saline County | 7 | 72 | 3.1% |
| Faulkner County | 8 | 77 | 3.9% |
| Van Buren County | 8 | 7 | 3.7% |
| Arkansas County | 8 | 3 | 1.9% |
| Monroe County | 8 | 1 | 4.5% |
| Garland County | 9 | 28 | 2.3% |
| White County | 10 | 32 | 3.1% |
| Woodruff County | 11 | 1 | 3.3% |
| Hot Spring County | 13 | 7 | 2.1% |
| Howard County | 14 | 1 | 1.4% |
| Phillips County | 14 | 1 | 2.1% |
| Franklin County | 15 | 4 | 1.9% |
| Drew County | 15 | 1 | 1.0% |
| Montgomery County | 16 | 1 | 1.5% |
| Crawford County | 17 | 11 | 1.4% |
| Pike County | 17 | 1 | 1.9% |
| Pope County | 19 | 8 | 1.2% |
| Grant County | 21 | 2 | 0.8% |
| Johnson County | 21 | 2 | 0.7% |
| Independence County | 23 | 3 | 0.7% |
| Newton County | 24 | 1 | 1.5% |
| Searcy County | 24 | 1 | 1.4% |
| Sebastian County | 25 | 10 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology