What loan types does Ark-La-Tex Financial Services offer?

Ark-La-Tex Financial Services offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Ark-La-Tex Financial Services offer mortgages?

Ark-La-Tex Financial Services is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Ark-La-Tex Financial Services's mortgage rates?

Ark-La-Tex Financial Services has an overall pricing score of 45.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ark-La-Tex Financial Services?

Ark-La-Tex Financial Services is a Independent Mortgage Company headquartered in AUSTIN, TX.

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Ark-La-Tex Financial Services

Independent Mortgage Company•Austin, TXHQ•Direct & Wholesale•Reviews near you on Google

Ark-La-Tex Financial Services's 14.8k closed loans and 20k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

Ark-La-Tex Financial Services performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+29.4 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 10% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Strong	7,901	53.2%	+0.339%Above	$2,277Fees
FHA Loans	Strong	Exceptional	Strong	Strong	4,454	30.0%	+0.479%Above	$1,645Fees
VA Loans	Strong	Exceptional	Sound	Exceptional	2,217	14.9%	-0.329%Below	$2,070Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	92	0.6%	+0.463%Above	$2,467Fees
USDA Loans	Strong	Exceptional	Strong	Strong	185	1.2%	+0.407%Above	$1,112Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume7,901

Mix53.2%

Spread

+0.339%Above

Fees

$2,277Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume4,454

Mix30.0%

Spread

+0.479%Above

Fees

$1,645Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume2,217

Mix14.9%

Spread

-0.329%Below

Fees

$2,070Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume92

Mix0.6%

Spread

+0.463%Above

Fees

$2,467Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume185

Mix1.2%

Spread

+0.407%Above

Fees

$1,112Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	13,540	91.2%	+0.293%Above	$2,046Fees
Refinance	Strong	Exceptional	Acceptable	Strong	1,309	8.8%	+0.300%Above	$2,299Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume13,540

Mix91.2%

Spread

+0.293%Above

Fees

$2,046Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,309

Mix8.8%

Spread

+0.300%Above

Fees

$2,299Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

14,849

Applications

20,331

Volume

$4 billion

Pricing & Closing

Avg Rate Spread

+0.294%

vs. market APOR

Avg Net Fees

$2,079

Origination − Credits

Pullthrough Rate

73.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$329,466

Avg Borrower Income

$138,193

Avg Property Value

$406,744

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

Includes Washington, DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

51Nationwide · all 50 states and DC

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© inkknife_2000 (7.5 million views +) · CC BY-SA 2.0

Grand Junction, COMetro

Volume 297Mix 2.00% of portfolio

100/100

Exceptional

2© J654567 · CC BY-SA 3.0

Lexington, KYMetro

Volume 366Mix 2.46% of portfolio

93/100

Exceptional

3© David Daniel Turner · CC BY 4.0

Houston, TXMetro

Volume 1,489Mix 10.03% of portfolio

88/100

Exceptional

Dallas, TXMetro

Volume 1,138Mix 7.66% of portfolio

87/100

Exceptional

Spartanburg, SCMetro

Volume 180Mix 1.21% of portfolio

85/100

Exceptional

Fort Worth, TXMetro

Volume 501Mix 3.37% of portfolio

84/100

Exceptional

Omaha, NE, NE-IAMetro

Volume 363Mix 2.44% of portfolio

83/100

Exceptional

Chattanooga, TN, TN-GAMetro

Volume 191Mix 1.29% of portfolio

81/100

Exceptional

Scranton, PAMetro

Volume 173Mix 1.17% of portfolio

81/100

Exceptional

Lubbock, TXMetro

Volume 262Mix 1.76% of portfolio

81/100

Exceptional

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TexasState

Volume 4,738Mix 31.91% of portfolio

91/100

Exceptional

KentuckyState

Volume 746Mix 5.02% of portfolio

84/100

Exceptional

North DakotaState

Volume 285Mix 1.92% of portfolio

78/100

Strong

South CarolinaState

Volume 467Mix 3.14% of portfolio

77/100

Strong

TennesseeState

Volume 559Mix 3.76% of portfolio

76/100

Strong

ColoradoState

Volume 593Mix 3.99% of portfolio

75/100

Strong

KansasState

Volume 232Mix 1.56% of portfolio

75/100

Strong

NebraskaState

Volume 263Mix 1.77% of portfolio

74/100

Strong

MichiganState

Volume 457Mix 3.08% of portfolio

70/100

Strong

GeorgiaState

Volume 399Mix 2.69% of portfolio

70/100

Strong

Showing 10 of 45 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.