Ark-La-Tex Financial Services, LLC. in Vermont vs the state
2.2%Denial rate-12.60 pts vs state
2.5%Decision denial rate-15.57 pts vs state
86.7%Origination rate+21.80 pts vs state
6.63%Median rate-0.08 pts vs state
0.09Rate spread (pts)-0.03 pts vs state
$111kMedian applicant income
39Loans originated
1Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 25 | 2.9% | 6.88% | #65 |
| 2024 | 38 | 31 | 2.6% | 6.63% | #60 |
| 2025 | 45 | 39 | 2.2% | 6.63% | #58 |
What Ark-La-Tex Financial Services, LLC. lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 17 | 17 | 0 | 0.0% |
| Franklin County | 17 | 15 | 1 | 5.9% |
| Lamoille County | 3 | 1 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Addison County | 2 | 1 | 0 | 0.0% |
| Windsor County | 1 | 0 | 0 | 0.0% |
| Orleans County | 1 | 1 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Mascoma Bank | B | 717 | 16.5% | 6.75% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
Frequently asked questions
Vermont: 45 applications in 2025, of which 39 were originated and 1 denied.
2.2% of all applications, or 2.5% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Vermont in 2025 was 6.63%, against a statewide median of 6.71%.
About this data. Figures are Ark-La-Tex Financial Services, LLC.'s own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology