Empeople Credit Union in Arkansas vs the state
45.5%Denial rate+27.26 pts vs state
55.6%Decision denial rate+32.43 pts vs state
34.6%Origination rate-22.28 pts vs state
6.49%Median rate-0.13 pts vs state
-0.24Rate spread (pts)-0.58 pts vs state
$92kMedian applicant income
19Loans originated
25Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 19 | 19.5% | 6.38% | #207 |
| 2024 | 45 | 25 | 22.2% | 6.99% | #210 |
| 2025 | 55 | 19 | 45.5% | 6.49% | #203 |
What Empeople Credit Union lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Craighead County | 9 | 1 | 6 | 66.7% |
| Benton County | 7 | 3 | 3 | 42.9% |
| Clay County | 5 | 2 | 2 | 40.0% |
| Garland County | 4 | 1 | 2 | 50.0% |
| Saline County | 3 | 3 | 0 | 0.0% |
| Poinsett County | 3 | 0 | 2 | 66.7% |
| Cross County | 2 | 1 | 1 | 50.0% |
| Izard County | 2 | 1 | 1 | 50.0% |
| Crawford County | 2 | 1 | 1 | 50.0% |
| St. Francis County | 2 | 0 | 2 | 100.0% |
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: 55 applications in 2025, of which 19 were originated and 25 denied.
45.5% of all applications, or 55.6% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Empeople Credit Union originated in Arkansas in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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