Ark-La-Tex Financial Services, LLC. in North Dakota vs the state
2.6%Denial rate-8.84 pts vs state
3.3%Decision denial rate-10.42 pts vs state
76.2%Origination rate+6.50 pts vs state
6.20%Median rate-0.30 pts vs state
-0.06Rate spread (pts)-0.30 pts vs state
$102kMedian applicant income
176Loans originated
6Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 383 | 301 | 2.6% | 6.45% | #11 |
| 2024 | 381 | 309 | 3.2% | 6.13% | #12 |
| 2025 | 231 | 176 | 2.6% | 6.20% | #21 |
What Ark-La-Tex Financial Services, LLC. lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ward County | 98 | 74 | 2 | 2.0% |
| Stark County | 37 | 31 | 0 | 0.0% |
| Burleigh County | 31 | 25 | 0 | 0.0% |
| Grand Forks County | 24 | 17 | 1 | 4.2% |
| Morton County | 10 | 8 | 0 | 0.0% |
| McHenry County | 6 | 6 | 0 | 0.0% |
| Traill County | 5 | 4 | 0 | 0.0% |
| Williams County | 4 | 3 | 0 | 0.0% |
| Mountrail County | 3 | 2 | 1 | 33.3% |
| McLean County | 2 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 231 applications in 2025, of which 176 were originated and 6 denied.
2.6% of all applications, or 3.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in North Dakota in 2025 was 6.20%, 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 Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology