Applications / Mortgage Analytics / Lenders / Texas / Ark-La-Tex Financial Services
Plano, TX · Independent non-bank lender · CFPB · 15,382 loans in 2025
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15,382
loans originated, 2025
20,196
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ark-La-Tex Financial Services is a Texas-based home-purchase lender that ranked first of 268 lenders in Grand Junction, though its originations fell 5% in 2025 while similar lenders grew.
Originations fell 5% to 15,382, while similar lenders (independent non-bank lenders making between half and twice as many loans) grew 17% and the whole market 10%. Home purchases were 86.3% of its lending, so it may have had less refinance business to add than lenders with a larger refinance mix. Its share rose in Grand Junction but fell in Houston-Pasadena-The Woodlands, so the fall was not across all its markets. Its originations were 28,263 in 2020.
It ranked first of 268 lenders in Grand Junction, with a share of 10.1%, up from 9.5%. In Lexington-Fayette it ranked 6 of 389, with a share of 3.5%, unchanged. In Dallas-Fort Worth-Arlington it ranked 17 of 1,026.
VA loans (guaranteed by the Department of Veterans Affairs) made up 15.0% of its lending, against 8.8% at similar lenders, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.7%, against 0.3%. FHA loans (insured by the Federal Housing Administration) were 28.6%, close to peers' 26.2%.
Only 1.4% of its loans were higher-priced (a rate well above the average for similar loans), against 4.6%. It turned down 2.8% of decided first-lien home-purchase applications on owner-occupied homes, against 8.5% at similar lenders, and 5.5% of refinance applications, against 16.8%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ark-La-Tex Financial Services took 20,196 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.3% · Refinance 13.7% · Home improvement 0.0%
Conventional 54.7% · FHA 28.6% · VA 15.0% · USDA (RHS or FSA) 1.7% · of 15,382 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 4,151 | 27.0% |
| Kentucky | 1,179 | 7.7% |
| Colorado | 914 | 5.9% |
| Florida | 795 | 5.2% |
| California | 751 | 4.9% |
| South Carolina | 545 | 3.5% |
| Tennessee | 524 | 3.4% |
| Michigan | 399 | 2.6% |
| Georgia | 387 | 2.5% |
| Arizona | 384 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 1,112 |
| Houston-Pasadena-The Woodlands | 912 |
| Grand Junction | 496 |
| Lexington-Fayette | 483 |
| Fort Worth-Arlington-Grapevine | 477 |
| Omaha | 477 |
| San Antonio-New Braunfels | 319 |
| Louisville/Jefferson County | 309 |
| Austin-Round Rock-San Marcos | 270 |
| Lubbock | 255 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001GDRY0EL7VG372 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3844465 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7752838184 | |
| Respondent ID (the HMDA filer code before 2018) | 71614900001 | 2004–2010 |
Established 27 August 1999. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Ark-La-Tex Financial Services's data.
Ark-La-Tex Financial Services's data
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Ark-La-Tex Financial Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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