Arkansas Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Arkansas Federal Credit Union 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Arkansas Federal Credit Union Po Box 9 Jacksonville, AR 72078 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,360 |
| Total Mortgage Loan Application Amount | $481,150,000 |
| Average Mortgage Loan Application Amount | $128,400 |
| Highest Mortgage Loan Application Amount | $7,305,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $1,312,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Arkansas Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Arkansas Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Arkansas Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Arkansas Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Arkansas Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Arkansas Federal Credit Union's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pulaski County Arkansas | 1,331 | $ 147,275,000 | $ 110,000 | $ 105,000 |
| Saline County Arkansas | 490 | $ 51,120,000 | $ 104,000 | $ 109,000 |
| Faulkner County Arkansas | 391 | $ 51,185,000 | $ 130,000 | $ 110,000 |
| Lonoke County Arkansas | 376 | $ 36,230,000 | $ 96,000 | $ 96,000 |
| Benton County Arkansas | 360 | $ 49,260,000 | $ 136,000 | $ 136,000 |
| Garland County Arkansas | 190 | $ 20,860,000 | $ 109,000 | $ 101,000 |
| White County Arkansas | 185 | $ 18,165,000 | $ 98,000 | $ 86,000 |
| Washington County Arkansas | 156 | $ 19,490,000 | $ 124,000 | $ 116,000 |
| Sebastian County Arkansas | 116 | $ 8,860,000 | $ 76,000 | $ 88,000 |
| Crawford County Arkansas | 62 | $ 4,230,000 | $ 68,000 | $ 83,000 |
| Craighead County Arkansas | 53 | $ 4,095,000 | $ 77,000 | $ 105,000 |
| Cleburne County Arkansas | 52 | $ 7,770,000 | $ 149,000 | $ 119,000 |
| Jefferson County Arkansas | 45 | $ 2,965,000 | $ 65,000 | $ 80,000 |
| Pope County Arkansas | 32 | $ 3,180,000 | $ 99,000 | $ 66,000 |
| Conway County Arkansas | 31 | $ 2,965,000 | $ 95,000 | $ 106,000 |
| Hot Spring County Arkansas | 30 | $ 2,740,000 | $ 91,000 | $ 67,000 |
| Independence County Arkansas | 24 | $ 2,530,000 | $ 105,000 | $ 77,000 |
| Perry County Arkansas | 21 | $ 1,645,000 | $ 78,000 | $ 94,000 |
| Grant County Arkansas | 20 | $ 1,270,000 | $ 63,000 | $ 106,000 |
| Greene County Arkansas | 17 | $ 1,275,000 | $ 75,000 | $ 65,000 |
| Union County Arkansas | 15 | $ 815,000 | $ 54,000 | $ 89,000 |
| Arkansas County Arkansas | 14 | $ 860,000 | $ 61,000 | $ 80,000 |
| Crittenden County Arkansas | 14 | $ 1,140,000 | $ 81,000 | $ 88,000 |
| Mississippi County Arkansas | 14 | $ 1,150,000 | $ 82,000 | $ 63,000 |
| Van Buren County Arkansas | 14 | $ 940,000 | $ 67,000 | $ 78,000 |
| Clark County Arkansas | 12 | $ 12,560,000 | $ 1,046,000 | $ 93,000 |
| Cross County Arkansas | 11 | $ 485,000 | $ 44,000 | $ 65,000 |
| Johnson County Arkansas | 11 | $ 1,105,000 | $ 100,000 | $ 86,000 |
| Logan County Arkansas | 10 | $ 870,000 | $ 87,000 | $ 79,000 |
| Montgomery County Arkansas | 10 | $ 950,000 | $ 95,000 | $ 89,000 |
| Baxter County Arkansas | 9 | $ 1,095,000 | $ 121,000 | $ 85,000 |
| Franklin County Arkansas | 9 | $ 1,155,000 | $ 128,000 | $ 69,000 |
| Lawrence County Arkansas | 9 | $ 865,000 | $ 96,000 | $ 84,000 |
| Drew County Arkansas | 8 | $ 930,000 | $ 116,000 | $ 69,000 |
| Poinsett County Arkansas | 8 | $ 330,000 | $ 41,000 | $ 57,000 |
| Sharp County Arkansas | 8 | $ 720,000 | $ 90,000 | $ 86,000 |
| Yell County Arkansas | 8 | $ 620,000 | $ 77,000 | $ 87,000 |
| Boone County Arkansas | 7 | $ 815,000 | $ 116,000 | $ 69,000 |
| Miller County Arkansas | 7 | $ 345,000 | $ 49,000 | $ 65,000 |
| Randolph County Arkansas | 7 | $ 725,000 | $ 103,000 | $ 62,000 |
| Le Flore County Oklahoma | 7 | $ 485,000 | $ 69,000 | $ 67,000 |
| Chicot County Arkansas | 6 | $ 870,000 | $ 145,000 | $ 87,000 |
| Cleveland County Arkansas | 6 | $ 350,000 | $ 58,000 | $ 58,000 |
| Newton County Arkansas | 6 | $ 500,000 | $ 83,000 | $ 30,000 |
| Ouachita County Arkansas | 6 | $ 190,000 | $ 31,000 | $ 71,000 |
| Pike County Arkansas | 6 | $ 600,000 | $ 100,000 | $ 113,000 |
| Stone County Arkansas | 6 | $ 480,000 | $ 80,000 | $ 58,000 |
| Woodruff County Arkansas | 6 | $ 400,000 | $ 66,000 | $ 67,000 |
| Clay County Arkansas | 5 | $ 515,000 | $ 103,000 | $ 46,000 |
| Columbia County Arkansas | 5 | $ 995,000 | $ 199,000 | $ 92,000 |
| Hempstead County Arkansas | 5 | $ 195,000 | $ 39,000 | $ 58,000 |
| Jackson County Arkansas | 5 | $ 585,000 | $ 117,000 | $ 60,000 |
| Madison County Arkansas | 5 | $ 905,000 | $ 181,000 | $ 129,000 |
| Carroll County Arkansas | 4 | $ 380,000 | $ 95,000 | $ 96,000 |
| Dallas County Arkansas | 4 | $ 170,000 | $ 42,000 | $ 51,000 |
| Desha County Arkansas | 4 | $ 340,000 | $ 85,000 | $ 88,000 |
| Phillips County Arkansas | 4 | $ 240,000 | $ 60,000 | $ 121,000 |
| Prairie County Arkansas | 4 | $ 210,000 | $ 52,000 | $ 67,000 |
| Sequoyah County Oklahoma | 4 | $ 170,000 | $ 42,000 | $ 72,000 |
| Ashley County Arkansas | 3 | $ 175,000 | $ 58,000 | $ 55,000 |
| Calhoun County Arkansas | 3 | $ 215,000 | $ 71,000 | $ 71,000 |
| Fulton County Arkansas | 3 | $ 205,000 | $ 68,000 | $ 44,000 |
| Howard County Arkansas | 3 | $ 435,000 | $ 145,000 | $ 39,000 |
| Izard County Arkansas | 3 | $ 305,000 | $ 101,000 | $ 49,000 |
| Lee County Arkansas | 3 | $ 235,000 | $ 78,000 | $ 64,000 |
| Lincoln County Arkansas | 3 | $ 255,000 | $ 85,000 | $ 67,000 |
| Marion County Arkansas | 3 | $ 165,000 | $ 55,000 | $ 64,000 |
| Nevada County Arkansas | 3 | $ 55,000 | $ 18,000 | $ 28,000 |
| Polk County Arkansas | 3 | $ 215,000 | $ 71,000 | $ 28,000 |
| Scott County Arkansas | 3 | $ 375,000 | $ 125,000 | $ 70,000 |
| Sevier County Arkansas | 3 | $ 145,000 | $ 48,000 | $ 68,000 |
| St. Francis County Arkansas | 3 | $ 315,000 | $ 105,000 | $ 118,000 |
| Lafayette County Arkansas | 2 | $ 410,000 | $ 205,000 | $ 144,000 |
| Little River County Arkansas | 2 | $ 220,000 | $ 110,000 | $ 45,000 |
| Oklahoma County Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 91,000 |
| Bradley County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Searcy County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 166,000 |
| Cherokee County Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 66,000 |
| Cleveland County Oklahoma | 1 | $ 355,000 | $ 355,000 | $ 142,000 |
| Mayes County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Payne County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 225,000 |
| Wagoner County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Dallas County Texas | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Harris County Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
Mortgage Loan Application Detail Totals for Arkansas Federal Credit Union in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 1,672 | $95,920,000 | $57,000 | $615,000 | $106,000 | $1,156,000 |
| Home Purchase | 968 | $183,970,000 | $190,000 | $6,795,000 | $95,000 | $1,312,000 |
| Home Improvement | 898 | $63,840,000 | $71,000 | $505,000 | $101,000 | $696,000 |
| Refinancing | 532 | $94,820,000 | $178,000 | $7,305,000 | $113,000 | $1,020,000 |
| Cash-out Refinancing | 290 | $42,600,000 | $146,000 | $645,000 | $90,000 | $468,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,866 | $297,680,000 | $103,000 | $1,025,000 | $107,000 | $1,020,000 |
| Black or African American | 547 | $42,215,000 | $77,000 | $605,000 | $78,000 | $698,000 |
| Not Provided | 401 | $44,935,000 | $112,000 | $1,315,000 | $115,000 | $1,312,000 |
| Not applicable | 233 | $63,615,000 | $273,000 | $7,305,000 | $0 | $0 |
| Hispanic | 197 | $17,635,000 | $89,000 | $475,000 | $93,000 | $416,000 |
| Asian | 60 | $8,830,000 | $147,000 | $585,000 | $111,000 | $360,000 |
| American Indian or Alaskan Native | 42 | $4,760,000 | $113,000 | $605,000 | $98,000 | $499,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $400,000 | $50,000 | $105,000 | $89,000 | $282,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,293 | $464,165,000 | $108,000 | $7,305,000 | $103,000 | $1,312,000 |
| VA-guaranteed (Veterans Administration) | 54 | $14,860,000 | $275,000 | $605,000 | $102,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,125,000 | $163,000 | $305,000 | $59,000 | $98,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,517 | $300,735,000 | $119,000 | $7,305,000 | $116,000 | $1,312,000 |
| Application Withdrawn By Applicant | 998 | $118,010,000 | $118,000 | $905,000 | $100,000 | $1,020,000 |
| Application Denied By Financial Institution | 844 | $62,300,000 | $73,000 | $1,025,000 | $72,000 | $698,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $22,000 | $22,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 3,516 | $418,850,000 | $119,000 | $7,305,000 | $111,000 | $1,312,000 |
| Credit History | 428 | $35,290,000 | $82,000 | $1,025,000 | $68,000 | $624,000 |
| Other | 177 | $11,265,000 | $63,000 | $835,000 | $79,000 | $698,000 |
| Debt-To-Income Ratio | 141 | $9,805,000 | $69,000 | $505,000 | $55,000 | $264,000 |
| Collateral | 89 | $5,415,000 | $60,000 | $365,000 | $102,000 | $300,000 |
| Employment History | 5 | $225,000 | $45,000 | $75,000 | $44,000 | $83,000 |
| Unverifiable Information | 4 | $300,000 | $75,000 | $95,000 | $82,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Arkansas Federal Credit Union's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Arkansas Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.