ARKANSAS Federal Credit Union
ARKANSAS Federal Credit Union received 4,495 applications in 2025 and made 2,294 mortgages, in 101 counties across 8 states. The median rate its borrowers got was 7.500% on a median loan of $85,000. Of 3,359 decisions, 1,065 were denials — 31.7%, most often for other. 41 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300HIKKZQ0TVJWA08 |
|---|---|
| Applications received | 4,495 |
| Mortgages made | 2,294 |
| Denied | 1,065 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1,136 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.55 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 591 | 6.500% | $195,000 | 15.6% |
| Refinancing | 299 | 7.000% | $155,000 | 19.8% |
| Cash-out refinancing | 140 | 6.375% | $155,000 | 15.7% |
| Other purposes | 1,264 | 8.250% | $55,000 | 40.4% |
Where ARKANSAS Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pulaski County, AR | 649 | 7.500% | 29.1% |
| Faulkner County, AR | 258 | 7.500% | 21.3% |
| Saline County, AR | 236 | 7.500% | 27.2% |
| Benton County, AR | 193 | 7.500% | 29.6% |
| Lonoke County, AR | 175 | 7.500% | 25.5% |
| Garland County, AR | 112 | 7.500% | 28.7% |
| White County, AR | 92 | 7.500% | 30.3% |
| Washington County, AR | 79 | 8.250% | 37.8% |
| Sebastian County, AR | 68 | 7.550% | 36.4% |
| Crawford County, AR | 44 | 7.750% | 31.3% |
| Cleburne County, AR | 43 | 7.000% | 18.9% |
| Craighead County, AR | 35 | 8.500% | 47.0% |
| Pope County, AR | 26 | 7.750% | 36.6% |
| Hot Spring County, AR | 25 | 7.500% | 44.4% |
| Conway County, AR | 21 | 6.750% | 34.4% |
| Perry County, AR | 19 | 7.000% | 34.5% |
| Van Buren County, AR | 17 | 6.750% | 29.2% |
| Independence County, AR | 12 | 7.800% | 42.9% |
| Grant County, AR | 11 | 8.250% | 54.2% |
| Jefferson County, AR | 11 | 7.500% | 67.7% |
| Greene County, AR | 8 | Under 10 loans | 33.3% |
| Cross County, AR | 7 | Under 10 loans | 53.3% |
| Montgomery County, AR | 7 | Under 10 loans | 22.2% |
| Johnson County, AR | 6 | Under 10 loans | 53.8% |
| Clark County, AR | 5 | Under 10 loans | 58.3% |
| Crittenden County, AR | 5 | Under 10 loans | 16.7% |
| Madison County, AR | 5 | Under 10 loans | 37.5% |
| Poinsett County, AR | 5 | Under 10 loans | 28.6% |
| Sequoyah County, OK | 5 | Under 10 loans | 0.0% |
| Arkansas County, AR | 4 | Under 10 loans | 50.0% |
| Baxter County, AR | 4 | Under 10 loans | 42.9% |
| Franklin County, AR | 4 | Under 10 loans | 55.6% |
| Izard County, AR | 4 | Under 10 loans | 33.3% |
| Prairie County, AR | 4 | Under 10 loans | 33.3% |
| Greene County, MO | 4 | Under 10 loans | 0.0% |
| Carroll County, AR | 3 | Under 10 loans | 62.5% |
| Clay County, AR | 3 | Under 10 loans | 25.0% |
| Logan County, AR | 3 | Under 10 loans | 62.5% |
| Ouachita County, AR | 3 | Under 10 loans | 50.0% |
| Randolph County, AR | 3 | Under 10 loans | 75.0% |
| Le Flore County, OK | 3 | Under 10 loans | 40.0% |
| Cleveland County, AR | 2 | Under 10 loans | 33.3% |
| Dallas County, AR | 2 | Under 10 loans | 50.0% |
| Drew County, AR | 2 | Under 10 loans | 60.0% |
| Marion County, AR | 2 | Under 10 loans | 0.0% |
| Mississippi County, AR | 2 | Under 10 loans | 50.0% |
| Nevada County, AR | 2 | Under 10 loans | 33.3% |
| Newton County, AR | 2 | Under 10 loans | 0.0% |
| Phillips County, AR | 2 | Under 10 loans | 71.4% |
| Polk County, AR | 2 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.