Ark-La-Tex Financial Services, LLC. in California vs the state
4.1%Denial rate-13.32 pts vs state
5.3%Decision denial rate-17.07 pts vs state
71.6%Origination rate+15.39 pts vs state
6.38%Median rate-0.25 pts vs state
0.22Rate spread (pts)-0.05 pts vs state
$143kMedian applicant income
751Loans originated
43Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,209 | 733 | 4.8% | 6.63% | #119 |
| 2024 | 1,161 | 736 | 5.2% | 6.63% | #141 |
| 2025 | 1,049 | 751 | 4.1% | 6.38% | #167 |
What Ark-La-Tex Financial Services, LLC. lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 134 | 104 | 6 | 4.5% |
| Los Angeles County | 119 | 81 | 10 | 8.4% |
| San Bernardino County | 115 | 82 | 7 | 6.1% |
| Kern County | 83 | 67 | 1 | 1.2% |
| San Diego County | 82 | 51 | 5 | 6.1% |
| Fresno County | 80 | 53 | 1 | 1.3% |
| Tulare County | 75 | 54 | 2 | 2.7% |
| Sacramento County | 55 | 41 | 1 | 1.8% |
| Orange County | 38 | 26 | 1 | 2.6% |
| Imperial County | 26 | 19 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,049 applications in 2025, of which 751 were originated and 43 denied.
4.1% of all applications, or 5.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Ark-La-Tex Financial Services, LLC.'s own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology