PINE BLUFF COTTON BELT Federal Credit Union
PINE BLUFF COTTON BELT Federal Credit Union received 114 applications in 2025 and made 74 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $90,000. Of 88 decisions, 13 were denials — 14.8%, most often for credit history.
| Legal Entity Identifier | 549300UYF8OQLB7L7745 |
|---|---|
| Applications received | 114 |
| Mortgages made | 74 |
| Denied | 13 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.8975 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 29 | 6.625% | $125,000 | 11.8% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 27 | 6.500% | $45,000 | 15.6% |
| Other purposes | 11 | 6.500% | $35,000 | 26.7% |
Where PINE BLUFF COTTON BELT Federal Credit Union lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, AR | 55 | 6.500% | 18.8% |
| Cleveland County, AR | 6 | Under 10 loans | 0.0% |
| Saline County, AR | 4 | Under 10 loans | 0.0% |
| Lincoln County, AR | 3 | Under 10 loans | 0.0% |
| Grant County, AR | 2 | Under 10 loans | 0.0% |
| Pulaski County, AR | 2 | Under 10 loans | 0.0% |
| Garland County, AR | 1 | Under 10 loans | 0.0% |
| Lonoke County, AR | 1 | Under 10 loans | 0.0% |
| Nevada County, AR | 0 | Under 10 loans | Not published |
| Union County, AR | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.