Applications / Mortgage Analytics / Lenders / Arkansas / Arkansas Federal Credit Union
Little Rock, AR · Credit union · NCUA · $3.0 billion assets · 2,294 loans in 2025
Arkansas Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,294
loans originated, 2025
4,502
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arkansas Federal Credit Union is the third-largest lender in Little Rock, where its share rose to 4.7% from 4.1%, even as its loan count fell 6% while similar credit unions grew.
Similar lenders are credit unions making between half and twice as many loans. Originations fell 6% to 2,294, while similar lenders rose 11% and the whole market 10%, lower than nearly nine in ten of them. Yet its dollars rose to $365.4 million from $251.0 million and its typical loan to $85,000 from $65,000; one possibility is a shift away from its smallest loans.
Other purposes made up 37.2% of its loans, purchases 25.8%, refinances 19.1% and home improvement 17.9%. Even after rising, its typical loan was among the lowest tenth of similar lenders, against $115,000. Refinance applications were turned down at 8.7% against 19.3%, lower than nearly nine in ten similar lenders.
It ranks 3 of 423 in Little Rock-North Little Rock-Conway, behind Arvest Bank and First Security Bank, and has lent there since before 1990. In Hot Springs it ranks 4 of 240, its share up to 4.8% from 3.6%.
LMI (low- and moderate-income) borrowers took 24.8% of its loans against 27.2%, and 14.2% were in LMI areas against 15.0%. Its share in majority-minority areas, 11.2% against 11.6%, was at the middle of similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arkansas Federal Credit Union took 4,502 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 37.2% · Purchase 25.8% · Refinance 19.1% · Home improvement 17.9%
Conventional 97.7% · VA 2.0% · USDA (RHS or FSA) 0.3% · of 2,294 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 2,249 | 98.0% |
| Oklahoma | 19 | 0.8% |
| Missouri | 11 | 0.5% |
| Tennessee | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 1,348 |
| Fayetteville-Springdale-Rogers | 277 |
| Fort Smith | 117 |
| Hot Springs | 112 |
| Jonesboro | 40 |
| Memphis | 6 |
| Springfield | 5 |
| Oklahoma City | 2 |
| Enid | 1 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HIKKZQ0TVJWA08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 778680 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510920 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Arkansas Federal Credit Union's data.
Arkansas Federal Credit Union's data
$215
Arkansas Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Arkansas Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]