Ark-La-Tex Financial Services, LLC. in Arizona vs the state
3.5%Denial rate-12.69 pts vs state
4.7%Decision denial rate-15.76 pts vs state
71.5%Origination rate+12.03 pts vs state
6.62%Median rate+0.12 pts vs state
0.28Rate spread (pts)+0.06 pts vs state
$128kMedian applicant income
384Loans originated
19Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 428 | 277 | 6.5% | 6.75% | #107 |
| 2024 | 559 | 375 | 3.0% | 6.63% | #99 |
| 2025 | 537 | 384 | 3.5% | 6.62% | #106 |
What Ark-La-Tex Financial Services, LLC. lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 252 | 176 | 10 | 4.0% |
| Coconino County | 104 | 82 | 0 | 0.0% |
| Yavapai County | 47 | 36 | 2 | 4.3% |
| Pima County | 34 | 22 | 1 | 2.9% |
| Pinal County | 33 | 25 | 0 | 0.0% |
| Navajo County | 20 | 9 | 2 | 10.0% |
| Santa Cruz County | 16 | 12 | 1 | 6.3% |
| Cochise County | 9 | 9 | 0 | 0.0% |
| Gila County | 9 | 5 | 0 | 0.0% |
| Mohave County | 8 | 7 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 537 applications in 2025, of which 384 were originated and 19 denied.
3.5% of all applications, or 4.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Arizona in 2025 was 6.62%, 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 Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology