Applications / Mortgage Analytics / Lenders / Arkansas / Diamond Lakes Federal Credit Union
Malvern, AR · Credit union · NCUA · $78.7 million assets · 51 loans in 2025
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51
loans originated, 2025
51
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Diamond Lakes Federal Credit Union is a refinance lender: 84.3% of its 51 loans in 2025 were refinances, and its lending grew 42%.
Its loans rose from 36 to 51, against 6% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. More than four in five peers grew more slowly. Its record has gaps: it first reported in 2010 and filed no report for 2018 to 2022.
Refinances made up 84.3% of its loans and purchases 15.7%. Manufactured homes took 11.8%, where most peers made none, though on 51 loans that is a handful. Its typical loan, $105,000, was close to peers' $95,000. Its typical rate, 6.50%, was lower than at about two-thirds of peers.
Low- and moderate-income (LMI) borrowers took 35.3% of its loans, against 31.2% at peers. Poorer neighborhoods (LMI tracts) took 7.8%, against 17.6%, lower than more than four in five peers. The counties it serves, mostly in non-metro Arkansas, may have few such neighborhoods, and on 51 loans a few loans move the share.
In Hot Springs, where it has lent since 2010, it ranked 47 of 240 lenders. Its share fell from 0.7% to 0.5%; its growth may have come in other counties. Arvest Bank led there.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Diamond Lakes Federal Credit Union took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 84.3% · Purchase 15.7%
Conventional 92.2% · VA 5.9% · FHA 2.0% · of 51 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 | 51 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hot Springs | 19 |
| Little Rock-North Little Rock-Conway | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900NWDFXM54GX9625 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 429786 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513762 | 2010–2016 |
Established 1 January 1960. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Diamond Lakes Federal Credit Union's data.
Diamond Lakes Federal Credit Union's data
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Diamond Lakes 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.
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