Ark-La-Tex Financial Services, LLC. in Texas vs the state
2.5%Denial rate-16.96 pts vs state
3.1%Decision denial rate-21.82 pts vs state
77.2%Origination rate+22.36 pts vs state
6.25%Median rate-0.25 pts vs state
-0.01Rate spread (pts)-0.20 pts vs state
$122kMedian applicant income
4,151Loans originated
133Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,816 | 4,785 | 3.4% | 6.50% | #29 |
| 2024 | 6,378 | 4,847 | 2.8% | 6.38% | #27 |
| 2025 | 5,374 | 4,151 | 2.5% | 6.25% | #33 |
What Ark-La-Tex Financial Services, LLC. lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 580 | 409 | 12 | 2.1% |
| Montgomery County | 499 | 421 | 15 | 3.0% |
| Denton County | 475 | 351 | 9 | 1.9% |
| Tarrant County | 473 | 379 | 10 | 2.1% |
| Harris County | 414 | 277 | 18 | 4.3% |
| Dallas County | 269 | 188 | 6 | 2.2% |
| Lubbock County | 266 | 242 | 0 | 0.0% |
| Bexar County | 265 | 220 | 8 | 3.0% |
| Midland County | 175 | 150 | 2 | 1.1% |
| Travis County | 174 | 133 | 5 | 2.9% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 5,374 applications in 2025, of which 4,151 were originated and 133 denied.
2.5% of all applications, or 3.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Texas in 2025 was 6.25%, 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology