ARKANSAS Federal Credit Union in Arkansas vs the state
23.6%Denial rate+5.44 pts vs state
31.7%Decision denial rate+8.54 pts vs state
51.0%Origination rate-5.85 pts vs state
7.50%Median rate+0.88 pts vs state
0.56Rate spread (pts)+0.22 pts vs state
$90kMedian applicant income
2,263Loans originated
1,049Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,875 | 2,409 | 20.7% | 8.35% | #3 |
| 2024 | 4,110 | 2,416 | 22.0% | 8.75% | #3 |
| 2025 | 4,439 | 2,263 | 23.6% | 7.50% | #3 |
What ARKANSAS Federal Credit Union lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most ARKANSAS Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 1,220 | 649 | 266 | 21.8% |
| Saline County | 404 | 236 | 88 | 21.8% |
| Faulkner County | 400 | 258 | 70 | 17.5% |
| Benton County | 389 | 193 | 81 | 20.8% |
| Lonoke County | 312 | 175 | 60 | 19.2% |
| Garland County | 219 | 112 | 45 | 20.5% |
| White County | 195 | 92 | 40 | 20.5% |
| Washington County | 173 | 79 | 48 | 27.7% |
| Sebastian County | 137 | 68 | 39 | 28.5% |
| Craighead County | 87 | 35 | 31 | 35.6% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
| Centennial Bank | D | 2,104 | 16.1% | 6.63% |
Frequently asked questions
Arkansas: 4,439 applications in 2025, of which 2,263 were originated and 1,049 denied.
23.6% of all applications, or 31.7% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans ARKANSAS Federal Credit Union originated in Arkansas in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are ARKANSAS Federal Credit Union's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology