ARSENAL CREDIT UNION
ARSENAL CREDIT UNION received 281 applications in 2025 and made 240 mortgages, in 10 counties across 2 states. The median rate its borrowers got was 6.625% on a median loan of $125,000. Of 275 decisions, 28 were denials — 10.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300OSS620JYU5KR81 |
|---|---|
| Applications received | 281 |
| Mortgages made | 240 |
| Denied | 28 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.31 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 | 71 | 4.750% | $215,000 | 0.0% |
| Refinancing | 32 | 4.750% | $175,000 | 3.0% |
| Cash-out refinancing | 118 | 6.750% | $75,000 | 3.3% |
| Other purposes | 19 | 7.250% | $35,000 | 47.9% |
Where ARSENAL CREDIT UNION lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, MO | 92 | 6.750% | 10.6% |
| St. Louis County, MO | 75 | 6.500% | 11.4% |
| St. Louis city, MO | 41 | 4.750% | 0.0% |
| St. Charles County, MO | 14 | 6.750% | 11.8% |
| St. Clair County, IL | 5 | Under 10 loans | 14.3% |
| Franklin County, MO | 5 | Under 10 loans | 16.7% |
| Monroe County, IL | 4 | Under 10 loans | 0.0% |
| St. Francois County, MO | 3 | Under 10 loans | 25.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 0 | Under 10 loans | 100.0% |
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When ARSENAL CREDIT UNION’s figures are published for the next year, or restated.
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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.