Ark-La-Tex Financial Services, LLC. at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 101 large mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
96th3.4% deniedPricingmedian rate spread over APOR, weight 30%
69th0.21 ptsProcesswithdrawn + incomplete share, weight 15%
44th20.2%Closing coststotal loan costs ÷ loan amount, weight 10%
73rd2.09% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 21,470 | 14,775 | 4.2% | 5.2% | 6.63% | $4.5B |
| 2024 | 22,406 | 16,232 | 3.4% | 4.3% | 6.63% | $5.2B |
| 2025 | 20,196 | 15,382 | 2.7% | 3.4% | 6.50% | $4.9B |
What Ark-La-Tex Financial Services, LLC. lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 9 home-equity lines, 0 reverse mortgages, 440 manufactured homes, 997 investment properties.
Why Ark-La-Tex Financial Services, LLC. denies applications
Primary reason reported for each of the 540 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Ark-La-Tex Financial Services, LLC.
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 1,255 | 868 | 8.9% |
| $50k – $100k | 7,556 | 5,882 | 3.3% |
| $100k – $150k | 5,205 | 4,016 | 2.8% |
| $150k – $250k | 3,886 | 2,963 | 2.8% |
| Over $250k | 1,674 | 1,216 | 3.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 1,515 | 1,225 | 3.4% |
| 25–34 | 6,375 | 5,005 | 2.5% |
| 35–44 | 5,197 | 3,943 | 3.5% |
| 45–54 | 3,358 | 2,460 | 4.0% |
| 55–64 | 2,237 | 1,626 | 4.5% |
| 65–74 | 1,102 | 817 | 4.0% |
| Over 74 | 412 | 306 | 2.5% |
Where Ark-La-Tex Financial Services, LLC. lends
50 states and 1,413 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 5,374 | 4,151 | 2.5% | 6.25% | #33 |
| Kentucky | 1,591 | 1,179 | 3.4% | 6.63% | #28 |
| Colorado | 1,255 | 914 | 2.2% | 6.63% | #52 |
| Florida | 1,051 | 795 | 4.2% | 6.50% | #148 |
| California | 1,049 | 751 | 4.1% | 6.38% | #167 |
| Tennessee | 726 | 524 | 2.5% | 6.50% | #86 |
| South Carolina | 711 | 545 | 2.4% | 6.62% | #78 |
| Georgia | 547 | 387 | 1.1% | 6.38% | #144 |
| Arizona | 537 | 384 | 3.5% | 6.62% | #106 |
| Michigan | 492 | 399 | 1.4% | 6.63% | #129 |
| Pennsylvania | 489 | 380 | 2.5% | 6.62% | #157 |
| Arkansas | 463 | 326 | 1.5% | 6.50% | #56 |
| Louisiana | 461 | 372 | 1.1% | 6.38% | #60 |
| Alabama | 393 | 314 | 2.0% | 6.50% | #102 |
| Illinois | 372 | 280 | 5.1% | 6.63% | #160 |
| Nebraska | 356 | 303 | 1.4% | 6.49% | #48 |
| Wisconsin | 345 | 289 | 2.9% | 6.50% | #104 |
| Iowa | 313 | 244 | 1.9% | 6.75% | #71 |
| Kansas | 304 | 243 | 1.6% | 6.75% | #81 |
| Ohio | 288 | 242 | 2.1% | 6.62% | #194 |
| Utah | 277 | 180 | 4.0% | 6.50% | #86 |
| North Carolina | 257 | 193 | 2.0% | 6.62% | #211 |
| North Dakota | 231 | 176 | 2.6% | 6.20% | #21 |
| Indiana | 225 | 168 | 2.7% | 6.50% | #186 |
| Missouri | 216 | 182 | 1.9% | 6.62% | #173 |
| New Jersey | 209 | 151 | 1.9% | 6.75% | #193 |
| Virginia | 175 | 139 | 1.7% | 6.49% | #218 |
| Minnesota | 171 | 141 | 3.5% | 6.38% | #148 |
| Nevada | 159 | 136 | 1.3% | 6.50% | #118 |
| Massachusetts | 141 | 102 | 9.9% | 6.50% | #211 |
| Maryland | 128 | 103 | 3.9% | 6.25% | #209 |
| Connecticut | 112 | 84 | 1.8% | 6.63% | #159 |
| Oklahoma | 100 | 67 | 5.0% | 6.49% | #188 |
| Idaho | 95 | 81 | 1.1% | 6.38% | #120 |
| Washington | 83 | 61 | 2.4% | 6.19% | #257 |
| Maine | 75 | 57 | 4.0% | 6.50% | #109 |
| Oregon | 72 | 61 | 1.4% | 6.38% | #193 |
| New Hampshire | 67 | 48 | 3.0% | 6.50% | #103 |
| Delaware | 57 | 53 | 0.0% | 6.13% | #109 |
| Montana | 49 | 41 | 6.1% | 6.38% | #101 |
| Alaska | 45 | 34 | 2.2% | 6.13% | #65 |
| Vermont | 45 | 39 | 2.2% | 6.63% | #58 |
| Mississippi | 35 | 25 | 0.0% | 6.25% | #194 |
| New Mexico | 15 | 11 | 0.0% | 6.99% | #225 |
| West Virginia | 11 | 7 | 0.0% | 6.63% | #248 |
| Rhode Island | 8 | 5 | 12.5% | 6.38% | #204 |
| South Dakota | 8 | 7 | 0.0% | 6.13% | #152 |
| Wyoming | 7 | 5 | 0.0% | 6.63% | #173 |
| New York | 5 | 3 | 0.0% | 7.00% | #512 |
Frequently asked questions
Ark-La-Tex Financial Services, LLC. denied 3.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of large mortgage lenders.
The most common reason Ark-La-Tex Financial Services, LLC. gave in 2025 was "debt-to-income ratio", cited on 39.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Ark-La-Tex Financial Services, LLC. originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.21 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 84% of its applications were for home purchases, 16% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 55% conventional, 28% FHA, 15% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.