Arkansas Federal Credit Union mortgage approval rate & lending review
Arkansas Federal Credit Union decided 3,473 mortgage applications and funded 2,865 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Arkansas Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Arkansas Federal Credit Union at a glance
Approval is 7.4 points above the 75.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 887 / 1,027 | 100% | $205K | 887 |
| Home improvement loans | 76% | 987 / 1,291 | 100% | $45K | 987 |
| Cash-out refinance | 82% | 144 / 176 | 100% | $125K | 144 |
| Refinance | 84% | 469 / 560 | 100% | $105K | 469 |
| Investment property purchase | 96% | 323 / 337 | 100% | $105K | 323 |
| Investment cash-out refinance | 76% | 26 / 34 | 100% | $125K | 26 |
| Investment refinance | 83% | 25 / 30 | 100% | $125K | 25 |
Arkansas Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 83% | $105K | 3,466 | 2,861 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Arkansas Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pulaski County, AR | Home improvement loans | 74% | 613 | 452 |
| Pulaski County, AR | Mortgage lenders | 87% | 405 | 354 |
| Pulaski County, AR | Investment property purchase | 97% | 223 | 217 |
| Pulaski County, AR | Refinance | 79% | 226 | 179 |
| Saline County, AR | Home improvement loans | 79% | 185 | 147 |
| Saline County, AR | Mortgage lenders | 80% | 175 | 140 |
| Faulkner County, AR | Mortgage lenders | 92% | 148 | 136 |
| Faulkner County, AR | Home improvement loans | 81% | 165 | 134 |
| Benton County, AR | Mortgage lenders | 91% | 109 | 99 |
| Benton County, AR | Home improvement loans | 84% | 110 | 92 |
| Garland County, AR | Home improvement loans | 77% | 108 | 83 |
| Faulkner County, AR | Refinance | 90% | 89 | 80 |
The county markets where Arkansas Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Arkansas Federal Credit Union
What is Arkansas Federal Credit Union's mortgage approval rate?
Arkansas Federal Credit Union approved 82.5% of the 3,473 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points above the 75.1% national rate for the same mix of loan types.
How often do borrowers take the loan Arkansas Federal Credit Union offers?
Borrowers accepted 100% of the loans Arkansas Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Arkansas Federal Credit Union make?
The typical home improvement loan loan Arkansas Federal Credit Union made was $45K; across all loan types its typical loan ran from $45K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Arkansas Federal Credit Union lend?
Arkansas Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Arkansas, Missouri and Oklahoma.
Can I apply to Arkansas Federal Credit Union directly?
Yes. Arkansas Federal Credit Union is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Arkansas Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Arkansas Federal Credit Union treats applications, then get a rate quote from the lender.