Credit Human Federal Credit Union in Arkansas vs the state
85.6%Denial rate+67.41 pts vs state
85.8%Decision denial rate+62.66 pts vs state
3.4%Origination rate-53.48 pts vs state
8.05%Median rate+1.43 pts vs state
2.12Rate spread (pts)+1.78 pts vs state
$63kMedian applicant income
30Loans originated
767Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 897 | 38 | 85.8% | 7.90% | #26 |
| 2024 | 1,026 | 33 | 87.8% | 8.50% | #29 |
| 2025 | 896 | 30 | 85.6% | 8.05% | #33 |
What Credit Human Federal Credit Union lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saline County | 80 | 1 | 70 | 87.5% |
| White County | 61 | 1 | 57 | 93.4% |
| Pulaski County | 59 | 2 | 55 | 93.2% |
| Hot Spring County | 59 | 0 | 52 | 88.1% |
| Garland County | 51 | 2 | 41 | 80.4% |
| Lonoke County | 31 | 0 | 26 | 83.9% |
| Faulkner County | 27 | 1 | 22 | 81.5% |
| Grant County | 24 | 1 | 20 | 83.3% |
| Cleburne County | 22 | 0 | 17 | 77.3% |
| Clark County | 20 | 1 | 19 | 95.0% |
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% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| 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% |
Frequently asked questions
Arkansas: 896 applications in 2025, of which 30 were originated and 767 denied.
85.6% of all applications, or 85.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Credit Human Federal Credit Union originated in Arkansas in 2025 was 8.05%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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