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 score and performance metrics.

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 an overall pricing score of 52.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ARKANSAS Federal Credit Union?

ARKANSAS Federal Credit Union is a Credit Union headquartered in Jacksonville, AR.

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ARKANSAS Federal Credit Union

Credit Union•Jacksonville, ARHQ•Direct•Reviews near you on Google

We analyzed every closed loan from ARKANSAS Federal Credit Union — 486 loans across 611 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · VA

Place

Strong

4/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and VA loans

Explore another lender or local market

Report Card

ARKANSAS Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 4.1 bps below market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

452 loans · 0.03% below market

Strong

Top 40% of lenders

4/5

30 loans · 0.16% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

338 loans · 0.01% below market

Strong

Top 40% of lenders

4/5

Refinance

148 loans · 0.12% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Strong	452	93.0%	-0.029%Below	$2,482Fees
VA Loans	Strong	Strong	Sound	Exceptional	30	6.2%	-0.162%Below	$1,041Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume452

Mix93.0%

Spread

-0.029%Below

Fees

$2,482Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume30

Mix6.2%

Spread

-0.162%Below

Fees

$1,041Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Strong	338	69.5%	-0.010%Below	$2,450Fees
Refinance	Strong	Strong	Sound	Exceptional	148	30.5%	-0.124%Below	$2,317Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume338

Mix69.5%

Spread

-0.010%Below

Fees

$2,450Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume148

Mix30.5%

Spread

-0.124%Below

Fees

$2,317Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

486

Applications

611

Volume

$110 million

Pricing & Closing

Avg Rate Spread

-0.041%

vs. market APOR

Avg Net Fees

$2,413

Origination − Credits

Pullthrough Rate

79.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$227,016

Avg Borrower Income

$119,422

Avg Property Value

$310,597

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

South2

AROK

Top Metro Areas by Place Specialization Score

Little Rock, ARMetro

Volume 280Mix 57.61% of portfolio

96/100

Exceptional

Hot Springs, ARMetro

Volume 29Mix 5.97% of portfolio

72/100

Strong

Fayetteville, ARMetro

Volume 62Mix 12.76% of portfolio

66/100

Strong

Fort Smith, AR, AR-OKMetro

Volume 26Mix 5.35% of portfolio

56/100

Sound

Top States by Place Specialization Score

ArkansasState

Volume 477Mix 98.15% of portfolio

86/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.