Ark-La-Tex Financial Services, LLC. in Massachusetts vs the state
9.9%Denial rate-6.28 pts vs state
11.6%Decision denial rate-8.38 pts vs state
72.3%Origination rate+9.74 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.23 pts vs state
$127kMedian applicant income
102Loans originated
14Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 74 | 4.9% | 6.88% | #225 |
| 2024 | 166 | 125 | 6.6% | 6.75% | #167 |
| 2025 | 141 | 102 | 9.9% | 6.50% | #211 |
What Ark-La-Tex Financial Services, LLC. lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 27 | 23 | 1 | 3.7% |
| Worcester County | 27 | 21 | 1 | 3.7% |
| Hampden County | 24 | 15 | 3 | 12.5% |
| Plymouth County | 14 | 11 | 0 | 0.0% |
| Essex County | 13 | 9 | 2 | 15.4% |
| Norfolk County | 12 | 11 | 1 | 8.3% |
| Barnstable County | 10 | 7 | 3 | 30.0% |
| Bristol County | 7 | 3 | 0 | 0.0% |
| Suffolk County | 5 | 1 | 2 | 40.0% |
| Dukes County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 141 applications in 2025, of which 102 were originated and 14 denied.
9.9% of all applications, or 11.6% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Massachusetts in 2025 was 6.50%, 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 Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology