Ark-La-Tex Financial Services, LLC. in North Carolina vs the state
2.0%Denial rate-16.11 pts vs state
2.5%Decision denial rate-20.34 pts vs state
75.1%Origination rate+17.29 pts vs state
6.62%Median rate+0.12 pts vs state
0.24Rate spread (pts)+0.15 pts vs state
$102kMedian applicant income
193Loans originated
5Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 339 | 258 | 1.5% | 6.75% | #146 |
| 2024 | 346 | 262 | 2.3% | 6.75% | #163 |
| 2025 | 257 | 193 | 2.0% | 6.62% | #211 |
What Ark-La-Tex Financial Services, LLC. lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 90 | 73 | 0 | 0.0% |
| Wake County | 15 | 12 | 1 | 6.7% |
| Rockingham County | 14 | 11 | 0 | 0.0% |
| Cumberland County | 13 | 8 | 1 | 7.7% |
| Mecklenburg County | 12 | 5 | 2 | 16.7% |
| Forsyth County | 12 | 10 | 0 | 0.0% |
| Davidson County | 10 | 6 | 0 | 0.0% |
| Randolph County | 8 | 6 | 0 | 0.0% |
| Harnett County | 6 | 5 | 0 | 0.0% |
| Davie County | 5 | 5 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 257 applications in 2025, of which 193 were originated and 5 denied.
2.0% of all applications, or 2.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in North Carolina 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 North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology