Ark-La-Tex Financial Services
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
7,901 loans · 0.34% above market
Exceptional
Top 20% of lenders
5/5
FHA
4,454 loans · 0.48% above market
Exceptional
Top 10% of lenders
5/5
VA
2,217 loans · 0.33% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
92 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
USDA
185 loans · 0.41% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
13,540 loans · 0.29% above market
Exceptional
Top 10% of lenders
5/5
Refinance
1,309 loans · 0.30% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 7,901 | 53.2% | +0.339%Above | $2,277Fees | ||||
FHA Loans | 4,454 | 30.0% | +0.479%Above | $1,645Fees | ||||
VA Loans | 2,217 | 14.9% | -0.329%Below | $2,070Fees | ||||
Jumbo Loans | 92 | 0.6% | +0.463%Above | $2,467Fees | ||||
USDA Loans | 185 | 1.2% | +0.407%Above | $1,112Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume7,901
Mix53.2%
Spread
+0.339%Above
Fees
$2,277Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume4,454
Mix30.0%
Spread
+0.479%Above
Fees
$1,645Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume2,217
Mix14.9%
Spread
-0.329%Below
Fees
$2,070Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume92
Mix0.6%
Spread
+0.463%Above
Fees
$2,467Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
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 | 13,540 | 91.2% | +0.293%Above | $2,046Fees | ||||
Refinance | 1,309 | 8.8% | +0.300%Above | $2,299Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume13,540
Mix91.2%
Spread
+0.293%Above
Fees
$2,046Fees
Refinance
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
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
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
51Full-year 2024 · HMDANationwide · all 50 states and DCLoans originated
< 100100–200200–500500+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
6© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 501Mix 3.37% of portfolio
84/100
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 45 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
Looking for a different lender?
Are you the owner of Ark-La-Tex Financial Services?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.