Lender in Arkansas · HMDA 2025
United Federal Credit Union mortgages in Arkansas
United Federal Credit Union's 2025 home-purchase and refinance lending in Arkansas, compared with all lenders in the state.
United Federal Credit Union originated 221 owner-occupied single-family loans in Arkansas from 241 completed applications.
Its median conventional purchase loan costs were $3,280 versus $3,850 for all Arkansas lenders, at a median 30-year fixed rate of 6.625% (Arkansas: 6.625%).
Loans in AR
221
of 241 applications
Denial rate
8.1%
Purchase · AR 8.5%
Rate spread
−0.01 pts
Conv. · AR +0.17 pts
Loan amount
$265,000
Purchase · AR $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 186 | 171 | 8.1% | 6.625% | −0.01 pts | $3,280 | $265,000 |
| Refinance | 29 | 25 | 13.8% | — | −0.56 pts | $3,260 | $305,000 |
| Cash-out refinance | 26 | 25 | 3.9% | — | −0.56 pts | $3,860 | $315,000 |
*Conventional loans only; medians with at least 20 loans.
Arkansas counties where United Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Benton County | 10 | 104 | 1.6% |
| Crawford County | 11 | 20 | 2.5% |
| Sebastian County | 12 | 41 | 2.9% |
| Madison County | 18 | 3 | 1.4% |
| Franklin County | 20 | 3 | 1.4% |
| Scott County | 23 | 1 | 1.2% |
| Washington County | 24 | 38 | 1.0% |
| Johnson County | 24 | 2 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology