Ark-La-Tex Financial Services, LLC. in Alabama vs the state
2.0%Denial rate-17.81 pts vs state
2.5%Decision denial rate-22.53 pts vs state
79.9%Origination rate+24.51 pts vs state
6.50%Median rate0.00 pts vs state
0.28Rate spread (pts)-0.01 pts vs state
$87kMedian applicant income
314Loans originated
8Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 218 | 153 | 3.2% | 6.75% | #123 |
| 2024 | 288 | 227 | 2.8% | 6.62% | #108 |
| 2025 | 393 | 314 | 2.0% | 6.50% | #102 |
What Ark-La-Tex Financial Services, LLC. lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 61 | 52 | 2 | 3.3% |
| Lee County | 59 | 42 | 1 | 1.7% |
| Russell County | 48 | 40 | 1 | 2.1% |
| Shelby County | 43 | 34 | 1 | 2.3% |
| Jefferson County | 32 | 25 | 0 | 0.0% |
| Mobile County | 32 | 20 | 1 | 3.1% |
| Madison County | 13 | 11 | 0 | 0.0% |
| Tuscaloosa County | 13 | 11 | 0 | 0.0% |
| Escambia County | 10 | 10 | 0 | 0.0% |
| Chambers County | 8 | 8 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 393 applications in 2025, of which 314 were originated and 8 denied.
2.0% of all applications, or 2.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Ark-La-Tex Financial Services, LLC.'s own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology