Name of the lender

Ark-La-Tex Financial Services LLC in GeorgiaMortgage rates, total loan costs and denial rate for homes in Georgia, 2025

HMDA year2025

StateGeorgia

Head office: Plano, TX
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

Ark-La-Tex Financial Services LLC reported 547 applications for homes in Georgia in the HMDA data of 2025.

It originated 387 loans in the state in 2025, for $120 million in total.

The median interest rate of these loans in 2025 was 6.375%, and the median of all lenders in Georgia was 6.375%.

The median total loan costs in 2025 were $6,652, and the state median was $7,626.

It denied 1.5% of the applications that it decided in the state in 2025, and the state denial rate was 25.1%.

Filed figures of Ark-La-Tex Financial Services LLC in Georgia, 2025
Figure	In GA	Lender, all states	GA, all lenders
Applications	547	20,196	449,146
Loans originated	387	15,382	242,931
Median interest rate	6.375%	6.500%	6.375%
Median total loan costs	$6,652	$6,038	$7,626
Denial rate	1.5%	3.3%	25.1%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in GA

Pricing medians of Ark-La-Tex Financial Services LLC in Georgia, 2025Each value has the median of all lenders in Georgia under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in GA	380	6.375%GA 6.375%	$6,652GA $7,626	$1,012GA $2,978	$3,000GA $2,987	$95GA $541	0.175GA 0.167

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.175 percentage points above the average prime offer rate. On a loan of $300,000, that is about $525 more a year, or $44 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Georgia by the action taken
Action taken	Records	Share
1Loan originated	387	69.6%
2Application approved but not accepted	7	1.3%
3Application denied	6	1.1%
4Application withdrawn by applicant	141	25.4%
5File closed for incompleteness	6	1.1%
6Purchased loan	1	0.2%
7Preapproval request denied	3	0.5%
8Preapproval request approved but not accepted	5	0.9%

Applications in Georgia by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	222	148	2.6%
FHA-insured	168	124	0.8%
VA-guaranteed	151	110	0.9%
USDA Rural Housing Service or Farm Service Agency guaranteed	6	5	n/a

Counties in Georgia

Counties of Ark-La-Tex Financial Services LLC in Georgia with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Catoosa County	29	26	$6.6 million	0.0%
Cobb County	45	27	$11.5 million	0.0%
Fulton County	32	16	$7.5 million	n/a
Harris County	40	30	$10.1 million	0.0%
Muscogee County	118	94	$26.1 million	0.0%
Troup County	44	34	$8.4 million	0.0%

Figures by year

Ark-La-Tex Financial Services LLC in Georgia by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	547	387	$120 million	6.375%	$6,652	1.5%
2024	651	436	$140 million	n/a	n/a	5.5%
2023	554	351	$102 million	n/a	n/a	7.4%
2022	599	404	$113 million	n/a	n/a	3.7%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Ark-La-Tex Financial Services LLC in Georgia, 2025", https://lenderregister.com/lender/5493001gdry0el7vg372-ark-la-tex-financial-services-llc/ga/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Georgia. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Ark-La-Tex Financial Services LLC were in Georgia in 2025?: 387 of its loans originated, out of 15,382 in all states. That is 2.5%.
In which counties of Georgia did Ark-La-Tex Financial Services LLC originate the most loans in 2025?: The three with the most loans were Muscogee County (94), Troup County (34) and Harris County (30).
Which loan types did Ark-La-Tex Financial Services LLC originate in Georgia in 2025?: 148 conventional, 124 FHA, 110 VA and 5 USDA.
How did the applications of Ark-La-Tex Financial Services LLC in Georgia change from 2022 to 2025?: It reported 599 applications in 2022 and 547 in 2025.