Ark-La-Tex Financial Services, LLC. in Kentucky vs the state
3.4%Denial rate-15.42 pts vs state
4.3%Decision denial rate-19.16 pts vs state
74.1%Origination rate+16.06 pts vs state
6.63%Median rate-0.13 pts vs state
0.34Rate spread (pts)+0.03 pts vs state
$87kMedian applicant income
1,179Loans originated
54Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 956 | 698 | 2.9% | 6.75% | #41 |
| 2024 | 1,184 | 863 | 2.7% | 6.75% | #36 |
| 2025 | 1,591 | 1,179 | 3.4% | 6.63% | #28 |
What Ark-La-Tex Financial Services, LLC. lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 394 | 290 | 7 | 1.8% |
| Madison County | 201 | 156 | 3 | 1.5% |
| Jefferson County | 198 | 148 | 4 | 2.0% |
| Scott County | 107 | 87 | 2 | 1.9% |
| Jessamine County | 60 | 41 | 1 | 1.7% |
| Laurel County | 55 | 33 | 10 | 18.2% |
| Bullitt County | 47 | 37 | 1 | 2.1% |
| Clark County | 43 | 34 | 0 | 0.0% |
| Franklin County | 42 | 27 | 0 | 0.0% |
| Mercer County | 33 | 23 | 2 | 6.1% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 1,591 applications in 2025, of which 1,179 were originated and 54 denied.
3.4% of all applications, or 4.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Ark-La-Tex Financial Services, LLC.'s own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology