Ark-La-Tex Financial Services, LLC. in Tennessee vs the state
2.5%Denial rate-14.66 pts vs state
3.3%Decision denial rate-18.40 pts vs state
72.2%Origination rate+14.10 pts vs state
6.50%Median rate-0.12 pts vs state
0.27Rate spread (pts)+0.04 pts vs state
$103kMedian applicant income
524Loans originated
18Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 718 | 514 | 3.2% | 6.88% | #83 |
| 2024 | 897 | 632 | 3.2% | 6.75% | #67 |
| 2025 | 726 | 524 | 2.5% | 6.50% | #86 |
What Ark-La-Tex Financial Services, LLC. lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 180 | 128 | 0 | 0.0% |
| Sullivan County | 78 | 54 | 0 | 0.0% |
| Knox County | 69 | 50 | 4 | 5.8% |
| Washington County | 63 | 48 | 3 | 4.8% |
| Greene County | 28 | 22 | 1 | 3.6% |
| Blount County | 20 | 16 | 0 | 0.0% |
| Davidson County | 18 | 13 | 0 | 0.0% |
| Anderson County | 17 | 14 | 0 | 0.0% |
| Bradley County | 16 | 12 | 0 | 0.0% |
| Hawkins County | 16 | 13 | 1 | 6.3% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 726 applications in 2025, of which 524 were originated and 18 denied.
2.5% of all applications, or 3.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Ark-La-Tex Financial Services, LLC.'s own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology