Purchase Originations
436
Median Total Costs
$4,657
−30.3% vs national ($6,680)
↑ $218 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,552
Median Lender Credits
$372
Denial Rate
12.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 391 | 6.375% | $4,672 | $2,602 |
| va | 39 | 6.125% | $3,300 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,530 | 6.500% | — | 3 | −$1,127 | |
| 2 | $4,005 | 6.125% | — | 7 | −$652 | |
| 3 | $4,121 | 6.625% | — | 7 | −$536 | |
| 4 | $4,201 | 6.375% | — | 22 | −$456 | |
| 5 | $4,220 | 6.438% | — | 10 | −$437 | |
| 6 | $4,263 | 6.438% | — | 18 | −$394 | |
| 7 | $4,310 | 6.438% | — | 10 | −$347 | |
| 8 | $4,339 | 6.250% | — | 33 | −$318 | |
| 9 | $4,626 | 6.125% | — | 48 | −$31 | |
| 10 | $4,674 | 6.688% | — | 2 | +$17 | |
| 11 | $4,692 | 6.375% | — | 50 | +$35 | |
| 12 | $4,708 | 6.500% | — | 9 | +$51 | |
| 13 | $4,731 | 6.188% | — | 10 | +$74 | |
| 14 | $4,811 | 6.375% | — | 122 | +$154 | |
| 15 | $4,946 | 6.375% | — | 34 | +$289 | |
| 16 | $5,143 | 6.750% | — | 5 | +$486 | |
| 17 | $5,159 | 6.312% | — | 4 | +$502 | |
| 18 | $5,166 | 6.250% | — | 12 | +$509 | |
| 19 | $6,746 | 5.875% | — | 2 | +$2,089 | |
| 20 | $7,759 | 6.812% | — | 2 | +$3,102 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | ARKANSAS Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,657 | $7,127 | −$2,470 (−34.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.