Ark-La-Tex Financial Services, LLC. in Utah vs the state
4.0%Denial rate-11.99 pts vs state
5.7%Decision denial rate-13.48 pts vs state
65.0%Origination rate+1.74 pts vs state
6.50%Median rate-0.13 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$126kMedian applicant income
180Loans originated
11Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 229 | 162 | 6.1% | 7.13% | #85 |
| 2024 | 268 | 196 | 2.2% | 6.75% | #79 |
| 2025 | 277 | 180 | 4.0% | 6.50% | #86 |
What Ark-La-Tex Financial Services, LLC. lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 102 | 64 | 7 | 6.9% |
| Washington County | 62 | 43 | 1 | 1.6% |
| Davis County | 34 | 19 | 0 | 0.0% |
| Weber County | 25 | 17 | 1 | 4.0% |
| Utah County | 17 | 13 | 1 | 5.9% |
| Tooele County | 9 | 5 | 0 | 0.0% |
| Box Elder County | 4 | 3 | 0 | 0.0% |
| Iron County | 3 | 3 | 0 | 0.0% |
| Sanpete County | 3 | 2 | 0 | 0.0% |
| Sevier County | 3 | 1 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 277 applications in 2025, of which 180 were originated and 11 denied.
4.0% of all applications, or 5.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Utah in 2025 was 6.50%, 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology