Name of the lender

Ark-La-Tex Financial Services LLC in South CarolinaMortgage rates, total loan costs and denial rate for homes in South Carolina, 2025

HMDA year2025

StateSouth Carolina

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 711 applications for homes in South Carolina in the HMDA data of 2025.

It originated 545 loans in the state in 2025, for $152 million in total.

The median interest rate of these loans in 2025 was 6.624%, and the median of all lenders in South Carolina was 6.375%.

The median total loan costs in 2025 were $5,489, and the state median was $6,489.

It denied 3.0% of the applications that it decided in the state in 2025, and the state denial rate was 23.5%.

Filed figures of Ark-La-Tex Financial Services LLC in South Carolina, 2025
Figure	In SC	Lender, all states	SC, all lenders
Applications	711	20,196	252,738
Loans originated	545	15,382	143,083
Median interest rate	6.624%	6.500%	6.375%
Median total loan costs	$5,489	$6,038	$6,489
Denial rate	3.0%	3.3%	23.5%

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 SC

Pricing medians of Ark-La-Tex Financial Services LLC in South Carolina, 2025Each value has the median of all lenders in South Carolina 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 SC	490	6.624%SC 6.375%	$5,489SC $6,489	$608SC $2,287	$1,978SC $2,865	$74SC $510	0.280SC 0.148

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 0.280 percentage points above the average prime offer rate. On a loan of $300,000, that is about $840 more a year, or $70 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 South Carolina by the action taken
Action taken	Records	Share
1Loan originated	545	76.4%
2Application approved but not accepted	5	0.7%
3Application denied	17	2.4%
4Application withdrawn by applicant	129	18.1%
5File closed for incompleteness	15	2.1%
6Purchased loan	0	0.0%
7Preapproval request denied	1	0.1%
8Preapproval request approved but not accepted	1	0.1%

Applications in South Carolina by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	387	294	2.9%
FHA-insured	219	169	2.3%
VA-guaranteed	89	70	5.4%
USDA Rural Housing Service or Farm Service Agency guaranteed	16	12	n/a

Counties in South Carolina

Counties of Ark-La-Tex Financial Services LLC in South Carolina with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Beaufort County	94	67	$25.7 million	4.3%
Berkeley County	32	24	$8.9 million	0.0%
Charleston County	57	46	$23.1 million	4.2%
Cherokee County	58	50	$8.9 million	0.0%
Greenville County	51	37	$11.2 million	5.1%
Spartanburg County	290	232	$50.4 million	2.5%

Figures by year

Ark-La-Tex Financial Services LLC in South Carolina 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	711	545	$152 million	6.624%	$5,489	3.0%
2024	727	540	$157 million	n/a	n/a	2.1%
2023	739	487	$126 million	n/a	n/a	3.1%
2022	1,164	838	$221 million	n/a	n/a	4.8%

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 South Carolina, 2025", https://lenderregister.com/lender/5493001gdry0el7vg372-ark-la-tex-financial-services-llc/sc/
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 South Carolina. 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 South Carolina in 2025?: 545 of its loans originated, out of 15,382 in all states. That is 3.5%.
In which counties of South Carolina did Ark-La-Tex Financial Services LLC originate the most loans in 2025?: The three with the most loans were Spartanburg County (232), Beaufort County (67) and Cherokee County (50).
Which loan types did Ark-La-Tex Financial Services LLC originate in South Carolina in 2025?: 294 conventional, 169 FHA, 70 VA and 12 USDA.
How did the applications of Ark-La-Tex Financial Services LLC in South Carolina change from 2022 to 2025?: It reported 1,164 applications in 2022 and 711 in 2025.