PINE BLUFF COTTON BELT Federal Credit Union in Arkansas vs the state
11.4%Denial rate-6.79 pts vs state
14.8%Decision denial rate-8.36 pts vs state
64.9%Origination rate+8.08 pts vs state
6.50%Median rate-0.13 pts vs state
0.90Rate spread (pts)+0.56 pts vs state
$68kMedian applicant income
74Loans originated
13Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 75 | 2.5% | 6.75% | #161 |
| 2024 | 109 | 73 | 14.7% | 6.75% | #142 |
| 2025 | 114 | 74 | 11.4% | 6.50% | #140 |
What PINE BLUFF COTTON BELT Federal Credit Union lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most PINE BLUFF COTTON BELT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 87 | 55 | 13 | 14.9% |
| Cleveland County | 8 | 6 | 0 | 0.0% |
| Grant County | 4 | 2 | 0 | 0.0% |
| Lincoln County | 4 | 3 | 0 | 0.0% |
| Saline County | 4 | 4 | 0 | 0.0% |
| Pulaski County | 2 | 2 | 0 | 0.0% |
| Garland County | 2 | 1 | 0 | 0.0% |
| Union County | 1 | 0 | 0 | 0.0% |
| Nevada County | 1 | 0 | 0 | 0.0% |
| Lonoke County | 1 | 1 | 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: 114 applications in 2025, of which 74 were originated and 13 denied.
11.4% of all applications, or 14.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans PINE BLUFF COTTON BELT Federal Credit Union originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are PINE BLUFF COTTON BELT 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