Ark-La-Tex Financial Services, LLC. in Pennsylvania vs the state
2.5%Denial rate-15.84 pts vs state
3.0%Decision denial rate-19.21 pts vs state
77.7%Origination rate+16.75 pts vs state
6.62%Median rate0.00 pts vs state
0.31Rate spread (pts)+0.07 pts vs state
$90kMedian applicant income
380Loans originated
12Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 474 | 373 | 4.4% | 6.75% | #148 |
| 2024 | 485 | 358 | 3.9% | 6.75% | #154 |
| 2025 | 489 | 380 | 2.5% | 6.62% | #157 |
What Ark-La-Tex Financial Services, LLC. lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 232 | 183 | 2 | 0.9% |
| Allegheny County | 41 | 37 | 1 | 2.4% |
| Lackawanna County | 31 | 22 | 4 | 12.9% |
| Montgomery County | 26 | 17 | 1 | 3.8% |
| Bucks County | 25 | 21 | 1 | 4.0% |
| Philadelphia County | 16 | 12 | 1 | 6.3% |
| Westmoreland County | 14 | 10 | 0 | 0.0% |
| Monroe County | 10 | 9 | 0 | 0.0% |
| Schuylkill County | 9 | 6 | 0 | 0.0% |
| York County | 9 | 6 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 489 applications in 2025, of which 380 were originated and 12 denied.
2.5% of all applications, or 3.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Pennsylvania in 2025 was 6.62%, 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology