Lender in Kentucky · HMDA 2025
Ark-La-Tex Financial Services, LLC. mortgages in Kentucky
Ark-La-Tex Financial Services, LLC.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Ark-La-Tex Financial Services, LLC. originated 1,028 owner-occupied single-family loans in Kentucky from 1,086 completed applications, making it the state's #9 lender by volume.
Its median conventional purchase loan costs were $3,890 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
1,028
of 1,086 applications
Denial rate
1.7%
Purchase · KY 8.2%
Rate spread
+0.29 pts
Conv. · KY +0.21 pts
Loan amount
$255,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 946 | 920 | 1.7% | 6.750% | +0.29 pts | $3,890 | $255,000 |
| Refinance | 70 | 59 | 14.3% | 6.490% | +0.25 pts | $3,590 | $265,000 |
| Cash-out refinance | 70 | 49 | 28.6% | 6.990% | +0.61 pts | $5,160 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Ark-La-Tex Financial Services, LLC. ranks in the top 25
Showing the 30 counties where it ranks highest, of 47.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fayette County | 2 | 252 | 7.0% |
| Madison County | 2 | 137 | 9.3% |
| Nicholas County | 2 | 5 | 8.5% |
| Lee County | 2 | 2 | 7.1% |
| Scott County | 3 | 80 | 6.7% |
| Garrard County | 3 | 19 | 6.9% |
| Rowan County | 3 | 11 | 7.2% |
| Bath County | 3 | 7 | 8.0% |
| Clark County | 4 | 27 | 5.1% |
| Woodford County | 4 | 16 | 4.6% |
| Jessamine County | 5 | 35 | 4.2% |
| Laurel County | 5 | 31 | 5.9% |
| Mercer County | 5 | 16 | 4.8% |
| Whitley County | 5 | 13 | 5.3% |
| Bourbon County | 5 | 10 | 4.5% |
| Perry County | 5 | 5 | 5.0% |
| Jackson County | 5 | 3 | 4.4% |
| Breathitt County | 5 | 1 | 4.8% |
| Franklin County | 6 | 19 | 2.6% |
| Estill County | 6 | 6 | 5.0% |
| Clay County | 7 | 3 | 4.8% |
| Letcher County | 7 | 2 | 3.2% |
| Bullitt County | 8 | 37 | 2.3% |
| Montgomery County | 8 | 11 | 3.2% |
| Fleming County | 8 | 3 | 2.4% |
| Powell County | 9 | 3 | 2.3% |
| Cumberland County | 9 | 1 | 3.5% |
| Anderson County | 10 | 8 | 2.2% |
| Harrison County | 10 | 5 | 2.8% |
| Carter County | 10 | 4 | 1.8% |
- Ark-La-Tex Financial Services, LLC. nationwide
- Kentucky mortgage market
- Ark-La-Tex Financial Services, LLC. in Texas
- Ark-La-Tex Financial Services, LLC. in Florida
- Ark-La-Tex Financial Services, LLC. in Colorado
- Ark-La-Tex Financial Services, LLC. in California
- Ark-La-Tex Financial Services, LLC. in Tennessee
- Ark-La-Tex Financial Services, LLC. in South Carolina
- Ark-La-Tex Financial Services, LLC. in Georgia
- Ark-La-Tex Financial Services, LLC. in Michigan
- Ark-La-Tex Financial Services, LLC. in Pennsylvania
- Ark-La-Tex Financial Services, LLC. in Louisiana
- Ark-La-Tex Financial Services, LLC. in Arizona
- Ark-La-Tex Financial Services, LLC. in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology