Navy Federal Credit Union in Arkansas vs the state
17.3%Denial rate-0.88 pts vs state
26.4%Decision denial rate+3.24 pts vs state
47.3%Origination rate-9.53 pts vs state
6.50%Median rate-0.13 pts vs state
-0.10Rate spread (pts)-0.44 pts vs state
$107kMedian applicant income
500Loans originated
183Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 918 | 411 | 28.0% | 6.63% | #24 |
| 2024 | 1,049 | 474 | 22.1% | 6.50% | #28 |
| 2025 | 1,057 | 500 | 17.3% | 6.50% | #27 |
What Navy Federal Credit Union lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 193 | 82 | 34 | 17.6% |
| Benton County | 178 | 99 | 21 | 11.8% |
| Washington County | 74 | 42 | 7 | 9.5% |
| Saline County | 64 | 24 | 11 | 17.2% |
| Lonoke County | 60 | 33 | 12 | 20.0% |
| Faulkner County | 52 | 22 | 13 | 25.0% |
| Garland County | 33 | 14 | 6 | 18.2% |
| Sebastian County | 30 | 13 | 7 | 23.3% |
| Crawford County | 26 | 18 | 2 | 7.7% |
| White County | 25 | 10 | 7 | 28.0% |
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: 1,057 applications in 2025, of which 500 were originated and 183 denied.
17.3% of all applications, or 26.4% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Navy Federal Credit Union originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Navy 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