# ARKANSAS Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/arkansas-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ARKANSAS Federal Credit Union is a credit union, headquartered in Jacksonville, AR, serving borrowers across 3 states, with 486 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300HIKKZQ0TVJWA08
- **Headquarters:** Jacksonville, AR
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AR, MO, OK
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 80/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.041%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,413
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 486
- **Dollar Volume:** $110 million
- **Applications Received:** 611
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $227,016
- **Average Borrower Income:** $119,422
- **Average Property Value:** $310,597

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 452 | -0.029% | $2,482 | Strong 😀 |
| VA | 65/100 | 30 | -0.162% | $1,041 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 310 loans, Score: 65/100 (Strong)
- Refinance: 142 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 25 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 338 | $79M | -0.010% | Strong 😀 |
| Refinance | 71/100 | 148 | $32M | -0.124% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 477 | 1.48% | 86/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Little Rock | AR | 280 | 96/100 |
| Non |  | 81 | 51/100 |
| Fayetteville | AR | 62 | 66/100 |
| Hot Springs, AR | AR | 29 | 72/100 |
| Fort Smith, AR | AR-OK | 26 | 56/100 |

## Where This Lender Ranks

ARKANSAS Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Little Rock for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Arkansas Credit Unions
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Little Rock for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Arkansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Fayetteville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Fort Smith, AR for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Hot Springs, AR
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders)
- 🏆 **#10** in Little Rock
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders)
- 🏆 **#10** in Hot Springs, AR for Conventional Loans
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Little Rock for VA Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Arkansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Little Rock for Conventional Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Arkansas
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders)
- 🏆 **#14** in Fort Smith, AR
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders)
- 🏆 **#16** in Fort Smith, AR for Conventional Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Arkansas for VA Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does ARKANSAS Federal Credit Union offer?

ARKANSAS Federal Credit Union offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ARKANSAS Federal Credit Union offer mortgages?

ARKANSAS Federal Credit Union offers mortgages in 3 states: AR, MO, OK.

### How competitive are ARKANSAS Federal Credit Union's mortgage rates?

ARKANSAS Federal Credit Union has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.041% below market average.

### What type of lender is ARKANSAS Federal Credit Union?

ARKANSAS Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Jacksonville, AR.

### What is ARKANSAS Federal Credit Union's loan approval success rate?

ARKANSAS Federal Credit Union has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/arkansas-federal-credit-union

### How to Cite

> "ARKANSAS Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/arkansas-federal-credit-union

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