# ARK-LA-TEX FINANCIAL SERVICES, LLC.

> **Canonical URL:** https://saferate.com/lenders/ark-la-tex-financial-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ARK-LA-TEX FINANCIAL SERVICES, LLC. is a independent mortgage company, headquartered in AUSTIN, TX, serving borrowers nationwide, with 14,849 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001GDRY0EL7VG372
- **Headquarters:** AUSTIN, TX
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 60.4%
- **Brokered/Wholesale:** 39.6%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.294%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,079
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 14,849
- **Dollar Volume:** $4.9 billion
- **Applications Received:** 20,331
- **Market Share:** 42.00%

## Typical Borrower Profile

- **Average Loan Amount:** $329,466
- **Average Borrower Income:** $138,193
- **Average Property Value:** $406,744

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (76%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 89/100 | 7,901 | +0.339% | $2,277 | Exceptional 🤩 |
| FHA | 91/100 | 4,454 | +0.479% | $1,645 | Exceptional 🤩 |
| VA | 90/100 | 2,217 | -0.329% | $2,070 | Exceptional 🤩 |
| Jumbo | 76/100 | 92 | +0.463% | $2,467 | Strong 😀 |
| USDA | 90/100 | 185 | +0.407% | $1,112 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 7,032 loans, Score: 90/100 (Exceptional)
- Refinance: 869 loans, Score: 83/100 (Exceptional)

**FHA:**
- Purchase: 4,148 loans, Score: 91/100 (Exceptional)
- Refinance: 306 loans, Score: 82/100 (Exceptional)

**VA:**
- Purchase: 2,092 loans, Score: 89/100 (Exceptional)
- Refinance: 125 loans, Score: 82/100 (Exceptional)

**Jumbo:**
- Purchase: 83 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 185 loans, Score: 90/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 91/100 | 13,540 | $4.5B | +0.293% | Exceptional 🤩 |
| Refinance | 84/100 | 1,309 | $420M | +0.300% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 4,738 | 1.35% | 91/100 |
| KY | 746 | 1.61% | 84/100 |
| FL | 652 | 0.22% | 69/100 |
| CA | 637 | 0.22% | 68/100 |
| CO | 593 | 0.71% | 75/100 |
| TN | 559 | 0.61% | 76/100 |
| SC | 467 | 0.58% | 77/100 |
| MI | 457 | 0.40% | 70/100 |
| GA | 399 | 0.29% | 70/100 |
| IL | 354 | 0.28% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,579 | 78/100 |
| Houston | TX | 1,489 | 88/100 |
| Dallas | TX | 1,138 | 87/100 |
| Fort Worth | TX | 501 | 84/100 |
| San Antonio | TX | 438 | 77/100 |
| Lexington | KY | 366 | 93/100 |
| Omaha, NE | NE-IA | 363 | 83/100 |
| Grand Junction, CO | CO | 297 | 100/100 |
| Austin | TX | 295 | 78/100 |
| Lubbock, TX | TX | 262 | 81/100 |
| Kansas City, MO | MO-KS | 248 | 70/100 |
| Chattanooga, TN | TN-GA | 191 | 81/100 |
| Chicago | IL | 185 | 65/100 |
| Grand Rapids | MI | 184 | 68/100 |
| Spartanburg, SC | SC | 180 | 85/100 |

## Where This Lender Ranks

ARK-LA-TEX FINANCIAL SERVICES, LLC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lexington Mortgage Companies
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Lexington for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Lexington for FHA Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Lexington for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Lexington for USDA Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Lexington for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Omaha, NE for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Grand Junction, CO
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders)
- 🥇 **#1** in Grand Junction, CO Mortgage Companies
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Grand Junction, CO for Conventional Loans
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Grand Junction, CO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Grand Junction, CO for FHA Loans
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Grand Junction, CO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Lubbock, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Lubbock, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Lubbock, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Chattanooga, TN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Chattanooga, TN for FHA Loans
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Chattanooga, TN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Spartanburg, SC for FHA Loans
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does ARK-LA-TEX FINANCIAL SERVICES, LLC. offer?

ARK-LA-TEX FINANCIAL SERVICES, LLC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ARK-LA-TEX FINANCIAL SERVICES, LLC. offer mortgages?

ARK-LA-TEX FINANCIAL SERVICES, LLC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are ARK-LA-TEX FINANCIAL SERVICES, LLC.'s mortgage rates?

ARK-LA-TEX FINANCIAL SERVICES, LLC. has a pricing score of 46/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.294% above market average.

### What type of lender is ARK-LA-TEX FINANCIAL SERVICES, LLC.?

ARK-LA-TEX FINANCIAL SERVICES, LLC. is a non-depository lender that specializes in mortgage origination, headquartered in AUSTIN, TX.

### What is ARK-LA-TEX FINANCIAL SERVICES, LLC.'s loan approval success rate?

ARK-LA-TEX FINANCIAL SERVICES, LLC. has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ark-la-tex-financial-services

### How to Cite

> "ARK-LA-TEX FINANCIAL SERVICES, LLC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ark-la-tex-financial-services

---

**[View Interactive Profile →](https://saferate.com/lenders/ark-la-tex-financial-services)**