Steady volume
It made 74 loans, against 73 in 2024 and 54 in 2018. Similar lenders (credit unions making between half and twice as many loans) grew 6%, and the whole market 10%. Refinances were 45.9% of its loans and home purchases 39.2%.
Applications / Mortgage Analytics / Lenders / Arkansas / Cotton Belt Federal Credit Union
Cotton Belt Federal Credit Union
Pine Bluff, AR · Credit union · NCUA · $72.7 million assets · 74 loans in 2025
Cotton Belt Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
74
loans originated, 2025
114
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cotton Belt Federal Credit Union is a small Arkansas credit union that makes loans guaranteed by the Department of Veterans Affairs, which similar lenders rarely do.
Veterans and manufactured homes
VA loans (guaranteed by the Department of Veterans Affairs) were 9.5% of its lending, higher than at almost all peers; the typical peer makes none. Manufactured homes took another 9.5%, higher than at about nine in ten peers. Most of its peers make only conventional loans.
Half its loans in majority-minority areas
Majority-minority neighborhoods took 50.0% of its loans, against 9.3% at peers. Low- and moderate-income (LMI) borrowers took 27.0%, a little lower than peers' 30.6% and down from 34.2% in 2024. On 74 loans, a few borrowers more or fewer move that share.
A small presence across Arkansas
It ranks 92 of 459 in non-metro Arkansas, where Rocket Mortgage leads. In Little Rock-North Little Rock-Conway, led by Arvest Bank, it ranks 156 of 423 and its share held at 0.1%.
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
74 loans in 2025, against a peak of 75 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cotton Belt Federal Credit Union took 114 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
45.9% of its 2025 loans were refinance loans; 90.5% were conventional loans.
Refinance 45.9% · Purchase 39.2% · Home improvement 14.9%
Conventional 90.5% · VA 9.5% · of 74 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
1 state, 2 metros, 8 counties
| State | Loans | Share |
|---|---|---|
| Arkansas | 74 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 9 |
| Hot Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UYF8OQLB7L7745 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 834773 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51245 | 2000–2017 |
Established 1 January 1936. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Cotton Belt Federal Credit Union's data.
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