Memphis City Employees Credit Union in Arkansas vs the state
14.3%Denial rate-3.90 pts vs state
20.0%Decision denial rate-3.13 pts vs state
57.1%Origination rate+0.31 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
4Loans originated
1Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 0.0% | — | #394 |
| 2025 | 7 | 4 | 14.3% | — | #379 |
What Memphis City Employees Credit Union lends in Arkansas
By loan purpose
By loan type
Where in Arkansas
Counties with the most Memphis City Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Crittenden County | 4 | 2 | 1 | 25.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
| Cleburne County | 1 | 1 | 0 | 0.0% |
| Saline County | 1 | 0 | 0 | 0.0% |
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: 7 applications in 2025, of which 4 were originated and 1 denied.
14.3% of all applications, or 20.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Memphis City Employees 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