Ark-La-Tex Financial Services, LLC. in Virginia vs the state
1.7%Denial rate-14.23 pts vs state
2.1%Decision denial rate-18.14 pts vs state
79.4%Origination rate+19.91 pts vs state
6.49%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.05 pts vs state
$119kMedian applicant income
139Loans originated
3Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 269 | 159 | 3.4% | 6.75% | #159 |
| 2024 | 245 | 171 | 1.2% | 6.63% | #183 |
| 2025 | 175 | 139 | 1.7% | 6.49% | #218 |
What Ark-La-Tex Financial Services, LLC. lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Ark-La-Tex Financial Services, LLC. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shenandoah County | 26 | 21 | 0 | 0.0% |
| Fairfax County | 15 | 12 | 0 | 0.0% |
| Virginia Beach city | 13 | 12 | 0 | 0.0% |
| Chesapeake city | 11 | 8 | 0 | 0.0% |
| Frederick County | 11 | 8 | 0 | 0.0% |
| Washington County | 9 | 7 | 1 | 11.1% |
| Prince William County | 8 | 5 | 0 | 0.0% |
| Bristol city | 6 | 4 | 0 | 0.0% |
| Loudoun County | 5 | 5 | 0 | 0.0% |
| Spotsylvania County | 5 | 5 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 175 applications in 2025, of which 139 were originated and 3 denied.
1.7% of all applications, or 2.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Ark-La-Tex Financial Services, LLC. originated in Virginia in 2025 was 6.49%, 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology