Purchase Originations
11,871
Ranked #33 nationally
Median Total Costs
$6,043
−9.5% vs national ($6,680)
↓ $331 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$839
Median Lender Credits
$150
Cost Rank (500+ vol.)
#282
among lenders with 500+ originations
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,745 | 6.625% | $4,480 | $1,613 |
| fha | 4,039 | 6.250% | $7,895 | $0 |
| va | 1,833 | 6.125% | $6,562 | $0 |
| usda | 254 | 6.250% | $5,117 | $193 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 3,678 | 6.250% | $6,225 | #13 |
| Kentucky | 928 | 6.625% | $4,580 | #7 |
| Florida | 611 | 6.490% | $7,088 | #76 |
| Colorado | 597 | 6.625% | $5,618 | #24 |
| California | 462 | 6.375% | $12,645 | #83 |
| South Carolina | 428 | 6.500% | $5,418 | #39 |
| Tennessee | 406 | 6.500% | $5,439 | #41 |
| Georgia | 312 | 6.375% | $6,776 | #76 |
| Pennsylvania | 308 | 6.625% | $7,794 | #71 |
| Louisiana | 291 | 6.375% | $5,417 | #29 |
| Michigan | 285 | 6.625% | $5,388 | #66 |
| Arizona | 266 | 6.495% | $7,085 | #61 |
| Arkansas | 241 | 6.490% | $4,611 | #29 |
| Alabama | 234 | 6.490% | $6,302 | #49 |
| Nebraska | 225 | 6.500% | $4,602 | #25 |
| Illinois | 198 | 6.625% | $6,284 | #99 |
| Wisconsin | 196 | 6.624% | $4,925 | #58 |
| Kansas | 187 | 6.750% | $3,585 | #38 |
| Ohio | 181 | 6.625% | $5,086 | #97 |
| North Dakota | 165 | 6.200% | $5,151 | #11 |
| Iowa | 155 | 6.750% | $5,258 | #44 |
| North Carolina | 141 | 6.624% | $5,082 | #128 |
| Indiana | 129 | 6.500% | $5,591 | #114 |
| Missouri | 120 | 6.625% | $3,688 | #80 |
| Utah | 120 | 6.500% | $6,201 | #50 |
| Minnesota | 116 | 6.375% | $7,590 | #85 |
| New Jersey | 107 | 6.750% | $8,634 | #105 |
| Nevada | 100 | 6.500% | $7,339 | #63 |
| Virginia | 90 | 6.624% | $7,378 | #134 |
| Massachusetts | 74 | 6.490% | $10,066 | #105 |
| Maryland | 68 | 6.500% | $11,914 | #119 |
| Connecticut | 58 | 6.625% | $10,464 | #70 |
| Oklahoma | 54 | 6.375% | $6,667 | #90 |
| Oregon | 44 | 6.495% | $6,771 | — |
| Delaware | 39 | 6.125% | $9,224 | — |
| Idaho | 39 | 6.125% | $11,984 | — |
| Vermont | 35 | 6.625% | $7,880 | — |
| New Hampshire | 32 | 6.490% | $4,167 | — |
| Washington | 30 | 6.750% | $6,494 | — |
| Alaska | 29 | 6.125% | $8,962 | — |
| Maine | 26 | 6.495% | $4,713 | — |
| Montana | 26 | 6.312% | $4,110 | — |
| Mississippi | 14 | 6.058% | $6,480 | — |
| West Virginia | 6 | 6.625% | $9,381 | — |
| New Mexico | 5 | 6.875% | $4,181 | — |
| Rhode Island | 5 | 6.375% | $11,748 | — |
| Wyoming | 4 | 6.688% | $7,310 | — |
| New York | 3 | 7.000% | $8,337 | — |
| South Dakota | 3 | 6.125% | $2,837 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,455 | 6.490% | — | 123 | −$2,588 | |
| 2 | $4,248 | 6.625% | — | 134 | −$1,795 | |
| 3 | $4,375 | 6.500% | — | 123 | −$1,668 | |
| 4 | $4,718 | 6.625% | — | 226 | −$1,325 | |
| 5 | $4,882 | 6.625% | — | 123 | −$1,161 | |
| 6 | $5,269 | 6.250% | — | 225 | −$774 | |
| 7 | $5,466 | 6.500% | — | 313 | −$577 | |
| 8 | $5,631 | 6.625% | — | 323 | −$412 | |
| 9 | $5,829 | 6.500% | — | 336 | −$214 | |
| 10 | $5,853 | 6.625% | — | 184 | −$190 | |
| 11 | $5,893 | 6.625% | — | 125 | −$150 | |
| 12 | $5,953 | 5.490% | — | 407 | −$90 | |
| 13 | $6,178 | 6.375% | — | 113 | +$135 | |
| 14 | $6,498 | 6.625% | — | 159 | +$455 | |
| 15 | $6,795 | 5.625% | — | 254 | +$752 | |
| 16 | $6,836 | 5.250% | — | 207 | +$793 | |
| 17 | $6,923 | 6.500% | — | 121 | +$880 | |
| 18 | $6,975 | 5.490% | — | 117 | +$932 | |
| 19 | $7,267 | 6.625% | — | 155 | +$1,224 | |
| 20 | $7,498 | 6.250% | — | 339 | +$1,455 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Ark-La-Tex Financial Services, LLC. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,043 | $7,127 | −$1,084 (−15.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.