Lender profile · HMDA 2025

Ark-La-Tex Financial Services, LLC.: 2025 mortgage rates, costs & approvals

How Ark-La-Tex Financial Services, LLC. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: ARK-LA-TEX FINANCIAL SERVICES, LLC. · LEI 5493001GDRY0EL7VG372

In 2025, Ark-La-Tex Financial Services, LLC. originated 13,530 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 49 states — 40th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 12 basis points above the national median. Median conventional loan costs were $4,490, 19% lower than the national median ($5,570).

It denied 2.8% of completed home-purchase applications (all lenders: 8.5%).

Loans

13,530

of 14,154 applications

Denial rate

2.8%

Purchase · all 8.5%

30-yr fixed rate

6.625%

Conv. · all 6.625%

Loan costs

$4,490

Conv. · all $5,570

Loan amount

$295,000

Purchase · all $335,000

Borrower income

$105,000

Purchase · all $116,000

How Ark-La-Tex Financial Services, LLC. priced home-purchase loans

Purchase loans, 2025	Ark-La-Tex Financial Services, LLC.	All lenders
30-year fixed rate · conventional	6.625%	6.625%
30-year fixed rate · FHA	6.250%	6.250%
30-year fixed rate · VA	6.125%	6.125%
15-year fixed rate · conventional	5.990%	5.875%
Rate spread vs. APOR · conventional	+0.25 pts	+0.13 pts
Total loan costs · conventional	$4,490	$5,570
Total loan costs · FHA	$7,920	$11,310
Total loan costs · VA	$6,590	$6,490
Origination charges (all types)	$850	$1,860
Borrowers paying discount points	55.1%	51.3%
Points paid, when paid (% of loan)	0.84%	0.87%
Borrowers receiving lender credits	35.3%	33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 49.7% 6,729

FHA 31.6% 4,275

VA 16.8% 2,272

USDA 1.9% 254

By purpose

Home purchase 86.3% 11,670

Refinance 8.1% 1,097

Cash-out refinance 5.6% 763

Home value

$335,000

Median, purchase loans

Down payment

All lenders 10%

Refi rate

6.49%

30-yr fixed, conventional

Refi denial rate

3.7%

Cash-out 7.5%

Why Ark-La-Tex Financial Services, LLC. denied purchase applications

Debt-to-income ratio 43.4% 147

Collateral (appraisal/property) 17.1% 58

Credit history 13.3% 45

Employment history 8.6% 29

Unverifiable information 8.0% 27

Insufficient cash (down payment/closing costs) 4.7% 16

Other 3.8% 13

Credit application incomplete 1.2% 4

First reason the lender reported for each denied home-purchase application.

Where Ark-La-Tex Financial Services, LLC. lends

State	Loans	Applications	Purchase denial rate	30-yr rate*	Loan costs*
Texas	3,935	4,092	2.9%	6.625%	$4,570
Kentucky	1,028	1,086	1.7%	6.750%	$3,890
Florida	696	743	4.1%	6.625%	$5,010
Colorado	679	703	2.8%	6.750%	$3,640
California	602	641	5.1%	6.625%	$8,580
Tennessee	450	469	2.5%	6.750%	$4,070
South Carolina	448	466	2.9%	6.625%	$4,120
Georgia	362	372	1.0%	6.625%	$3,480
Michigan	356	367	1.8%	6.750%	$5,150
Pennsylvania	348	364	3.1%	6.625%	$7,590
Louisiana	316	325	1.4%	6.625%	$3,980
Arizona	304	323	3.0%	6.625%	$5,540
Alabama	290	300	2.1%	6.750%	$4,750
Wisconsin	268	281	3.4%	6.750%	$3,850
Arkansas	265	272	1.6%	6.500%	$3,510
Nebraska	248	255	1.3%	6.625%	$4,070
Illinois	244	270	5.6%	6.875%	$4,830
Kansas	223	232	2.1%	6.875%	$2,850
Ohio	214	223	2.1%	6.625%	$3,830
Iowa	170	174	2.0%	6.750%	$4,690
Missouri	168	173	2.4%	6.625%	$2,960
North Dakota	164	169	2.5%	6.450%	$2,340
North Carolina	161	168	2.2%	6.625%	$4,660
Indiana	155	167	4.3%	6.750%	$3,270
Utah	148	157	0.8%	6.625%	$2,710
New Jersey	136	141	1.8%	6.875%	$7,850
Minnesota	132	139	4.1%	6.490%	$6,010
Virginia	127	129	1.1%	6.750%	$5,360
Nevada	110	113	1.1%	6.624%	$5,460
Maryland	97	104	2.8%	6.625%	$8,590
Massachusetts	88	105	11.5%	6.750%	$5,850
Connecticut	80	84	1.5%	6.875%	$9,280
Oklahoma	59	67	8.3%	—	$4,670
Washington	55	57	0.0%	—	—
Idaho	55	56	0.0%	—	—
Oregon	53	55	0.0%	6.625%	$4,770
Maine	51	54	0.0%	—	—
Delaware	46	46	0.0%	—	—
New Hampshire	44	49	5.9%	6.500%	$3,990
Vermont	36	37	2.9%	—	—
Montana	35	38	10.3%	—	—
Alaska	31	32	3.3%	—	—
Mississippi	20	21	—	—	—
South Dakota	7	7	—	—	—
West Virginia	7	7	—	—	—
New Mexico	6	6	—	—	—
Rhode Island	5	7	—	—	—
Wyoming	5	5	—	—	—
New York	3	3	—	—	—

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Ark-La-Tex Financial Services, LLC.'s page for that state.

Counties where Ark-La-Tex Financial Services, LLC. is a top lender

County	Rank	Loans	Market share
Castro County, TX	1	14	36.8%
Swisher County, TX	1	14	22.2%
Gaines County, TX	1	42	15.7%
Motley County, TX	1	1	14.3%
Lamb County, TX	2	11	14.1%
Mesa County, CO	1	350	13.1%
Pratt County, KS	2	8	10.4%
Mills County, IA	2	31	10.3%
McHenry County, ND	4	5	10.0%
McCone County, MT	2	1	10.0%
Rio Blanco County, CO	3	10	9.5%
Madison County, KY	2	137	9.3%
Nicholas County, KY	2	5	8.5%
Rains County, TX	1	12	8.4%
Yoakum County, TX	2	4	8.2%

Check Ark-La-Tex Financial Services, LLC. yourself

FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493001GDRY0EL7VG372.
NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
CFPB Consumer Complaint Database — search complaints by company name.
Compare your Loan Estimate from Ark-La-Tex Financial Services, LLC. with similar 2025 loans.

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology