United Federal Credit Union in Arkansas vs the state
25.3%Denial rate+7.09 pts vs state
29.1%Decision denial rate+5.93 pts vs state
58.7%Origination rate+1.82 pts vs state
6.81%Median rate+0.19 pts vs state
0.46Rate spread (pts)+0.12 pts vs state
$95kMedian applicant income
478Loans originated
206Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 748 | 406 | 26.2% | 7.75% | #30 |
| 2024 | 656 | 372 | 29.3% | 8.25% | #40 |
| 2025 | 815 | 478 | 25.3% | 6.81% | #35 |
What United Federal Credit Union lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 282 | 165 | 58 | 20.6% |
| Sebastian County | 184 | 110 | 53 | 28.8% |
| Washington County | 139 | 84 | 33 | 23.7% |
| Crawford County | 135 | 78 | 38 | 28.1% |
| Franklin County | 11 | 7 | 4 | 36.4% |
| Madison County | 11 | 7 | 1 | 9.1% |
| White County | 6 | 2 | 4 | 66.7% |
| Johnson County | 6 | 3 | 2 | 33.3% |
| Pulaski County | 6 | 2 | 3 | 50.0% |
| Scott County | 5 | 3 | 2 | 40.0% |
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: 815 applications in 2025, of which 478 were originated and 206 denied.
25.3% of all applications, or 29.1% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans United Federal Credit Union originated in Arkansas in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are United 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