Lenders › Ark-La-Tex Financial Services LLC › Texas
Ark-La-Tex Financial Services LLC in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
Ark-La-Tex Financial Services LLC's 2024 HMDA record for Texas covers 6,378 applications, 4,847 of them originated, worth $1.6bn.
Its denial rate in the state was 3.5%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 4.2%.
The median rate spread on its Texas originations was 0.0 percentage points (state median 0.2).
Applications in the state were down 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Ark-La-Tex Financial Services LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.5% | 26.0% | 4.2% | 24.3% |
| Median rate spread, pp | 0.0 | 0.2 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.3% | 11.8% | 2.8% | 15.6% |
| Average originated loan | $337k | $350k | $320k | $329k |
| Home purchase share | 96.2% | 72.8% | 88.1% | 57.0% |
| FHA-insured share | 37.1% | 19.8% | 29.0% | 13.4% |
| VA-guaranteed share | 15.9% | 10.4% | 16.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 96% (4,661)Refinancing 2% (120)Cash-out refinancing 1% (66)
By type
Conventional 47% (2,265)FHA 37% (1,796)VA 16% (772)USDA 0% (14)
Denial reasons as coded
Share of 181 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 725 | 611 | $168m | 2.2% |
| Harris County | 674 | 450 | $158m | 6.3% |
| Tarrant County | 530 | 421 | $137m | 3.6% |
| Collin County | 577 | 402 | $170m | 3.7% |
| Denton County | 473 | 338 | $142m | 3.0% |
| Bexar County | 337 | 278 | $82m | 3.7% |
| Lubbock County | 302 | 256 | $63m | 1.5% |
| Fort Bend County | 288 | 232 | $72m | 4.1% |
| Dallas County | 305 | 209 | $82m | 3.9% |
| Travis County | 217 | 171 | $87m | 5.0% |
| Midland County | 142 | 116 | $37m | 1.7% |
| Guadalupe County | 129 | 115 | $35m | 2.5% |
| Brazoria County | 127 | 95 | $33m | 3.8% |
| Rockwall County | 91 | 72 | $26m | 2.7% |
| Ellis County | 80 | 63 | $23m | 7.1% |
| Williamson County | 87 | 61 | $24m | 4.6% |
| Hays County | 78 | 61 | $25m | 0.0% |
| Gaines County | 64 | 56 | $15m | 0.0% |
| Bell County | 54 | 46 | $12m | 0.0% |
| Kaufman County | 65 | 45 | $17m | 6.1% |
| Parker County | 60 | 44 | $20m | 2.2% |
| Grayson County | 58 | 42 | $14m | 0.0% |
| Chambers County | 57 | 39 | $13m | 7.1% |
| Galveston County | 59 | 38 | $12m | 7.1% |
| Waller County | 53 | 37 | $13m | 4.8% |
| Walker County | 35 | 34 | $8.5m | 2.9% |
| Comal County | 38 | 32 | $13m | 3.0% |
| Hunt County | 37 | 27 | $8.8m | 0.0% |
| Johnson County | 36 | 27 | $8.8m | 0.0% |
| McLennan County | 34 | 24 | $6.7m | — |
| Medina County | 26 | 24 | $7.4m | — |
| Hood County | 27 | 22 | $6.9m | — |
| Wise County | 26 | 19 | $7.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Ark-La-Tex Financial Services LLC originate in Texas in 2024?
4,847 loans totalling $1.6bn, from 6,378 applications reported for properties in Texas.
What is Ark-La-Tex Financial Services LLC's denial rate in Texas?
3.5% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 4.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Ark-La-Tex Financial Services LLC lend in most?
By originations: Montgomery County (611), Harris County (450), Tarrant County (421), Collin County (402), Denton County (338).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.