What loan types does PINE BLUFF COTTON BELT Federal Credit Union offer?

PINE BLUFF COTTON BELT Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does PINE BLUFF COTTON BELT Federal Credit Union offer mortgages?

PINE BLUFF COTTON BELT Federal Credit Union offers mortgages in 1 states: AR.

How competitive are PINE BLUFF COTTON BELT Federal Credit Union's mortgage rates?

PINE BLUFF COTTON BELT Federal Credit Union has an overall pricing score of 42.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is PINE BLUFF COTTON BELT Federal Credit Union?

PINE BLUFF COTTON BELT Federal Credit Union is a Credit Union headquartered in Pine Bluff, AR.

Unclaimed

PINE BLUFF COTTON BELT Federal Credit Union

Credit Union•Pine Bluff, ARHQ•Direct•Reviews near you on Google

PINE BLUFF COTTON BELT Federal Credit Union has 42 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Active

Single State

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

PINE BLUFF COTTON BELT Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+34.2 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

37 loans · 0.44% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

21 loans · 0.01% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

21 loans · 0.68% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	37	88.1%	+0.439%Above	$1,163Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume37

Mix88.1%

Spread

+0.439%Above

Fees

$1,163Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Acceptable	21	50.0%	-0.015%Below	$798Fees
Refinance	Sound	Acceptable	—	Sound	21	50.0%	+0.678%Above	$1,302Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume21

Mix50.0%

Spread

-0.015%Below

Fees

$798Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume21

Mix50.0%

Spread

+0.678%Above

Fees

$1,302Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$6 million

Pricing & Closing

Avg Rate Spread

+0.342%

vs. market APOR

Avg Net Fees

$1,058

Origination − Credits

Pullthrough Rate

63.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$143,810

Avg Borrower Income

$73,286

Avg Property Value

$181,905

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top States by Place Specialization Score

ArkansasState

Volume 42Mix 100.00% of portfolio

64/100

Strong

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.

Looking for a different lender?

Are you the owner of PINE BLUFF COTTON BELT Federal Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.