Ark-La-Tex Financial Services, LLC. in Minnesota vs the state
3.5%Denial rate-10.09 pts vs state
4.0%Decision denial rate-12.32 pts vs state
82.5%Origination rate+16.09 pts vs state
6.38%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.16 pts vs state
$90kMedian applicant income
141Loans originated
6Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 230 | 164 | 8.3% | 6.75% | #111 |
| 2024 | 230 | 164 | 3.5% | 6.62% | #116 |
| 2025 | 171 | 141 | 3.5% | 6.38% | #148 |
What Ark-La-Tex Financial Services, LLC. lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 26 | 22 | 1 | 3.8% |
| Stearns County | 25 | 21 | 2 | 8.0% |
| Dakota County | 20 | 16 | 0 | 0.0% |
| Anoka County | 12 | 8 | 1 | 8.3% |
| Polk County | 12 | 10 | 2 | 16.7% |
| Sherburne County | 10 | 10 | 0 | 0.0% |
| Ramsey County | 8 | 7 | 0 | 0.0% |
| Benton County | 5 | 4 | 0 | 0.0% |
| Washington County | 5 | 4 | 0 | 0.0% |
| Renville County | 5 | 4 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 171 applications in 2025, of which 141 were originated and 6 denied.
3.5% of all applications, or 4.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology