Ark-la-tex Financial Services Mortgage Rates, Fees & Info

AUSTIN, TX

LEI: 5493001GDRY0EL7VG372

Tax ID: 75-2838184

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Ark-la-tex Financial Services is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Ark-la-tex Financial Services has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Dallas, Los Angeles, Austin, and San Diego among others. We have data for 382 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ark-la-tex Financial Services has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ark-la-tex Financial Services is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.91% 5/5/24
30 Year Conventional Purchase 6.71% 5/5/24
30 Year Conventional Refi 6.66% 5/5/24
30 Year Cash-out Refi 6.89% 5/5/24
30 Year FHA Purchase 7.29% 5/5/24
30 Year FHA Refi 7.13% 5/5/24
30 Year VA Purchase 6.27% 5/5/24
30 Year VA Refi 6.00% 5/5/24
30 Year USDA Purchase 6.90% 5/5/24
30 Year USDA Refi 6.27% 5/5/24
15 Year Conventional Purchase 5.98% 5/5/24
15 Year Conventional Refi 6.13% 5/5/24
15 Year Cash-out Refi 6.13% 5/5/24
15 Year FHA Purchase 6.84% 5/5/24
15 Year FHA Refi 6.98% 5/5/24
15 Year VA Purchase 5.82% 5/5/24
15 Year VA Refi 5.56% 5/5/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Ark-la-tex Financial Services Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Ark-la-tex Financial Services. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

15,900

Origination Dollar Volume (All Markets)

$4,037,480,000
Show all (64) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,777 $431,555,000 $242,856 $4,626 4.26%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1,131 $318,695,000 $281,782 $5,861 4.20%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 580 $296,030,000 $510,397 $6,572 4.22%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 660 $194,140,000 $294,152 $5,281 4.19%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 318 $161,990,000 $509,403 $7,950 4.06%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 675 $142,655,000 $211,341 $3,173 4.49%
COLORADO SPRINGS, CO (FHA|USDA|VA) 426 $128,440,000 $301,502 $5,696 4.04%
Outside of Metro Areas 614 $121,590,000 $198,029 $4,129 4.38%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 478 $120,380,000 $251,841 $5,801 4.21%
MIDLAND, TX (FHA|USDA|VA) 355 $103,065,000 $290,324 $6,244 4.61%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 528 $102,970,000 $195,019 $2,918 3.92%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 408 $83,580,000 $204,853 $4,061 4.29%
LUBBOCK, TX (FHA|USDA|VA) 401 $80,225,000 $200,062 $4,712 4.37%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 271 $78,345,000 $289,096 $4,933 4.31%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 272 $75,990,000 $279,375 $4,186 4.05%
LOUISVILLE, KY (FHA|USDA|VA) 288 $61,420,000 $213,264 $3,408 4.27%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 158 $60,660,000 $383,924 $6,297 3.98%
SPARTANBURG, SC (FHA|USDA|VA) 403 $60,555,000 $150,261 $4,461 4.08%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 177 $60,485,000 $341,723 $6,607 4.03%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 239 $59,245,000 $247,887 $3,964 4.25%
COLUMBUS, GA-AL (FHA|USDA|VA) 286 $57,760,000 $201,958 $4,220 4.39%
RALEIGH-CARY, NC (FHA|USDA|VA) 213 $56,725,000 $266,315 $4,963 4.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 331 $49,235,000 $148,746 $3,750 4.42%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 221 $38,315,000 $173,371 $3,237 4.51%
FRESNO, CA (FHA|USDA|VA) 125 $34,865,000 $278,920 $5,739 4.12%
NAPA, CA (FHA|USDA|VA) 69 $33,405,000 $484,130 $6,919 3.94%
TOLEDO, OH (FHA|USDA|VA) 215 $32,515,000 $151,233 $3,231 4.36%
Richmond-Berea, KY (FHA|USDA|VA) 189 $32,325,000 $171,032 $2,713 4.63%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 50 $30,650,000 $613,000 $6,572 4.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 48 $29,070,000 $605,625 $4,350 4.64%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 134 $27,810,000 $207,537 $5,040 4.22%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 101 $27,435,000 $271,634 $7,205 3.93%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 89 $26,795,000 $301,067 $5,820 4.11%
HOT SPRINGS, AR (FHA|USDA|VA) 158 $25,600,000 $162,025 $3,265 4.45%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 133 $25,185,000 $189,361 $3,672 4.46%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 94 $24,540,000 $261,064 $3,967 4.08%
ODESSA, TX (FHA|USDA|VA) 105 $23,675,000 $225,476 $6,334 4.69%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 125 $21,935,000 $175,480 $4,438 4.04%
BOISE CITY, ID (FHA|USDA|VA) 80 $21,480,000 $268,500 $7,031 4.12%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 50 $21,390,000 $427,800 $6,082 4.04%
BISMARCK, ND (FHA|USDA|VA) 92 $20,420,000 $221,957 $4,598 4.23%
JOHNSON CITY, TN (FHA|USDA|VA) 104 $20,300,000 $195,192 $3,635 4.47%
EL CENTRO, CA (FHA|USDA|VA) 81 $18,405,000 $227,222 $4,785 4.27%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 62 $17,460,000 $281,613 $6,154 4.02%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 40 $17,250,000 $431,250 $5,615 4.07%
ST. LOUIS, MO-IL (FHA|USDA|VA) 83 $14,305,000 $172,349 $4,329 4.28%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 65 $13,975,000 $215,000 $4,567 4.59%
Dickinson, ND (FHA|USDA|VA) 54 $13,830,000 $256,111 $5,288 4.20%
WICHITA, KS (FHA|USDA|VA) 80 $13,600,000 $170,000 $3,384 4.34%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 63 $12,865,000 $204,206 $5,175 4.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 55 $11,925,000 $216,818 $4,208 4.21%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 40 $11,480,000 $287,000 $6,524 4.20%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 42 $11,230,000 $267,381 $6,285 3.99%
London, KY (FHA|USDA|VA) 74 $10,840,000 $146,486 $3,723 4.64%
Sevierville, TN (FHA|USDA|VA) 46 $10,220,000 $222,174 $5,458 4.52%
GRAND FORKS, ND-MN (FHA|USDA|VA) 39 $9,505,000 $243,718 $4,813 3.92%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 34 $9,020,000 $265,294 $5,743 3.80%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 35 $8,965,000 $256,143 $4,165 4.34%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 26 $8,800,000 $338,462 $5,817 4.06%
FARGO, ND-MN (FHA|USDA|VA) 41 $8,295,000 $202,317 $4,325 4.14%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 31 $8,105,000 $261,452 $5,294 3.82%
SALISBURY, MD-DE (FHA|USDA|VA) 28 $7,780,000 $277,857 $4,532 4.36%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 29 $7,575,000 $261,207 $5,228 4.18%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 17 $7,345,000 $432,059 $6,208 3.95%
JACKSONVILLE, FL (FHA|USDA|VA) 23 $7,275,000 $316,304 $5,923 3.70%
WACO, TX (FHA|USDA|VA) 28 $6,900,000 $246,429 $5,786 4.45%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 22 $6,800,000 $309,091 $7,445 4.53%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 25 $6,135,000 $245,400 $6,080 3.82%
Gaffney, SC (FHA|USDA|VA) 46 $6,110,000 $132,826 $3,781 4.20%
BAKERSFIELD, CA (FHA|USDA|VA) 27 $6,075,000 $225,000 $5,174 3.89%
WINSTON-SALEM, NC (FHA|USDA|VA) 33 $5,915,000 $179,242 $5,566 4.44%
Granbury, TX (FHA|USDA|VA) 24 $5,540,000 $230,833 $6,250 4.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 19 $5,455,000 $287,105 $6,762 4.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 22 $5,160,000 $234,545 $4,197 4.22%
MUSKEGON, MI (FHA|USDA|VA) 34 $5,050,000 $148,529 $3,242 4.35%
Plainview, TX (FHA|USDA|VA) 36 $4,930,000 $136,944 $3,784 4.55%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 23 $4,705,000 $204,565 $4,941 4.45%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 23 $4,625,000 $201,087 $5,624 3.89%
COLUMBIA, SC (FHA|USDA|VA) 17 $4,595,000 $270,294 $4,644 4.12%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 23 $4,385,000 $190,652 $5,184 4.57%
Holland, MI (FHA|USDA|VA) 22 $4,350,000 $197,727 $3,519 4.43%
VALLEJO, CA (FHA|USDA|VA) 15 $4,325,000 $288,333 $6,000 4.08%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 20 $4,270,000 $213,500 $5,365 4.85%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 22 $4,260,000 $193,636 $6,187 4.03%
OCEAN CITY, NJ (FHA|USDA|VA) 17 $4,165,000 $245,000 $6,330 4.87%
KNOXVILLE, TN (FHA|USDA|VA) 18 $4,160,000 $231,111 $5,143 4.38%
Somerset, KY (FHA|USDA|VA) 28 $4,080,000 $145,714 $3,434 4.79%
Frankfort, KY (FHA|USDA|VA) 29 $4,015,000 $138,448 $3,783 4.66%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 20 $4,010,000 $200,500 $3,934 4.36%
OKLAHOMA CITY, OK (FHA|USDA|VA) 16 $3,990,000 $249,375 $4,991 4.18%
RICHMOND, VA (FHA|USDA|VA) 14 $3,940,000 $281,429 $5,596 3.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 14 $3,870,000 $276,429 $6,193 3.63%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 14 $3,710,000 $265,000 $5,034 3.70%
MONROE, MI (FHA|USDA|VA) 18 $3,470,000 $192,778 $3,798 4.10%
MADERA, CA (FHA|USDA|VA) 12 $3,400,000 $283,333 $6,885 3.93%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 15 $3,385,000 $225,667 $3,981 3.75%
MORRISTOWN, TN (FHA|USDA|VA) 13 $3,355,000 $258,077 $4,627 4.74%
SIOUX FALLS, SD (FHA|USDA|VA) 10 $3,320,000 $332,000 $4,032 3.99%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 12 $3,280,000 $273,333 $5,719 4.16%
Levelland, TX (FHA|USDA|VA) 17 $3,035,000 $178,529 $4,002 4.54%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 10 $3,010,000 $301,000 $9,580 3.94%
CaƱon City, CO (FHA|USDA|VA) 11 $2,985,000 $271,364 $5,740 4.30%
FAYETTEVILLE, NC (FHA|USDA|VA) 15 $2,955,000 $197,000 $4,433 4.24%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $2,885,000 $320,556 $5,726 4.24%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 13 $2,855,000 $219,615 $4,325 4.35%
Snyder, TX (FHA|USDA|VA) 19 $2,835,000 $149,211 $4,129 4.53%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 16 $2,690,000 $168,125 $6,100 4.58%
STAUNTON, VA (FHA|USDA|VA) 13 $2,625,000 $201,923 $3,699 4.17%
WINCHESTER, VA-WV (FHA|USDA|VA) 13 $2,585,000 $198,846 $4,848 4.83%
Athens, TX (FHA|USDA|VA) 8 $2,550,000 $318,750 $5,632 4.22%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 15 $2,535,000 $169,000 $3,191 4.92%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 13 $2,535,000 $195,000 $4,548 4.37%
SHERMAN-DENISON, TX (FHA|USDA|VA) 11 $2,485,000 $225,909 $5,831 4.31%
Torrington, CT (FHA|USDA|VA) 10 $2,390,000 $239,000 $6,639 4.36%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 7 $2,385,000 $340,714 $3,030 3.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 9 $2,325,000 $258,333 $5,388 3.66%
Big Spring, TX (FHA|USDA|VA) 12 $2,230,000 $185,833 $5,654 4.80%
PUEBLO, CO (FHA|USDA|VA) 11 $2,225,000 $202,273 $4,473 4.06%
SAN ANGELO, TX (FHA|USDA|VA) 14 $2,210,000 $157,857 $3,511 4.91%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 13 $2,195,000 $168,846 $6,527 4.99%
LINCOLN, NE (FHA|USDA|VA) 11 $2,135,000 $194,091 $3,530 3.97%
STOCKTON, CA (FHA|USDA|VA) 7 $2,095,000 $299,286 $5,491 4.27%
SAVANNAH, GA (FHA|USDA|VA) 7 $2,065,000 $295,000 $4,723 3.77%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 8 $2,040,000 $255,000 $4,387 3.98%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,980,000 $495,000 $6,688 3.75%
Edwards, CO (FHA|USDA|VA) 3 $1,975,000 $658,333 $5,960 3.71%
KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $1,955,000 $217,222 $4,550 4.22%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $1,935,000 $276,429 $3,478 3.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $1,860,000 $232,500 $4,012 3.66%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $1,820,000 $455,000 $7,158 4.19%
VISALIA, CA (FHA|USDA|VA) 8 $1,780,000 $222,500 $5,473 3.84%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,770,000 $295,000 $3,039 4.00%
AKRON, OH (FHA|USDA|VA) 11 $1,715,000 $155,909 $5,556 4.23%
Danville, KY (FHA|USDA|VA) 11 $1,695,000 $154,091 $3,882 4.89%
Williston, ND (FHA|USDA|VA) 7 $1,685,000 $240,714 $4,520 4.49%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 9 $1,575,000 $175,000 $3,206 3.72%
Mineral Wells, TX (FHA|USDA|VA) 7 $1,525,000 $217,857 $7,606 4.63%
Andrews, TX (FHA|USDA|VA) 6 $1,510,000 $251,667 $6,705 4.65%
Breckenridge, CO (FHA|USDA|VA) 3 $1,485,000 $495,000 $6,327 4.17%
LaGrange, GA-AL (FHA|USDA|VA) 6 $1,480,000 $246,667 $3,468 4.50%
SALINAS, CA (FHA|USDA|VA) 3 $1,475,000 $491,667 $10,780 4.08%
WORCESTER, MA-CT (FHA|USDA|VA) 6 $1,390,000 $231,667 $5,989 4.33%
CORPUS CHRISTI, TX (FHA|USDA|VA) 6 $1,380,000 $230,000 $6,693 3.84%
EL PASO, TX (FHA|USDA|VA) 7 $1,345,000 $192,143 $3,445 3.95%
FLINT, MI (FHA|USDA|VA) 7 $1,345,000 $192,143 $2,642 4.07%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,243 4.22%
PITTSBURGH, PA (FHA|USDA|VA) 5 $1,325,000 $265,000 $5,298 3.78%
Key West, FL (FHA|USDA|VA) 3 $1,315,000 $438,333 $9,181 3.63%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 5 $1,305,000 $261,000 $9,083 4.58%
Minot, ND (FHA|USDA|VA) 5 $1,285,000 $257,000 $4,600 3.75%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $1,250,000 $625,000 $2,459 3.94%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,235,000 $176,429 $4,549 3.52%
BURLINGTON, NC (FHA|USDA|VA) 7 $1,225,000 $175,000 $6,463 4.45%
GREELEY, CO (FHA|USDA|VA) 4 $1,220,000 $305,000 $4,244 4.03%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,205,000 $172,143 $2,787 4.59%
COLUMBUS, OH (FHA|USDA|VA) 6 $1,170,000 $195,000 $3,497 3.79%
Orangeburg, SC (FHA|USDA|VA) 6 $1,150,000 $191,667 $6,954 4.08%
WILMINGTON, NC (FHA|USDA|VA) 5 $1,145,000 $229,000 $4,404 4.20%
Mount Sterling, KY (FHA|USDA|VA) 5 $1,125,000 $225,000 $3,475 4.27%
Rockport, TX (FHA|USDA|VA) 3 $1,105,000 $368,333 $7,680 4.33%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,025,000 $341,667 $2,683 4.92%
BATTLE CREEK, MI (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,138 4.71%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $995,000 $199,000 $5,543 4.35%
Malvern, AR (FHA|USDA|VA) 8 $990,000 $123,750 $1,930 4.73%
Lamesa, TX (FHA|USDA|VA) 8 $990,000 $123,750 $5,088 4.05%
Kearney, NE (FHA|USDA|VA) 4 $970,000 $242,500 $3,051 4.56%
TUCSON, AZ (FHA|USDA|VA) 4 $970,000 $242,500 $8,567 3.91%
NILES, MI (FHA|USDA|VA) 4 $950,000 $237,500 $3,663 4.19%
SAGINAW, MI (FHA|USDA|VA) 2 $950,000 $475,000 $4,592 3.94%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $935,000 $311,667 $4,786 4.21%
Stephenville, TX (FHA|USDA|VA) 4 $920,000 $230,000 $9,508 3.65%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $890,000 $222,500 $5,896 4.66%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $880,000 $220,000 $5,629 3.59%
WICHITA FALLS, TX (FHA|USDA|VA) 5 $865,000 $173,000 $3,761 4.08%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $855,000 $855,000 $5,455 4.50%
Greeneville, TN (FHA|USDA|VA) 4 $840,000 $210,000 $2,606 4.03%
MODESTO, CA (FHA|USDA|VA) 3 $835,000 $278,333 $7,371 3.63%
SANTA FE, NM (FHA|USDA|VA) 2 $830,000 $415,000 $4,958 3.93%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $820,000 $205,000 $6,048 4.59%
HARRISONBURG, VA (FHA|USDA|VA) 4 $800,000 $200,000 $4,847 4.19%
Fremont, NE (FHA|USDA|VA) 6 $790,000 $131,667 $2,152 3.85%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 6 $790,000 $131,667 $4,537 4.73%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $780,000 $195,000 $4,849 3.59%
RACINE, WI (FHA|USDA|VA) 5 $775,000 $155,000 $3,991 4.20%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $765,000 $255,000 $3,973 4.21%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $760,000 $190,000 $5,760 3.03%
Big Rapids, MI (FHA|USDA|VA) 5 $745,000 $149,000 $3,739 4.30%
FORT COLLINS, CO (FHA|USDA|VA) 3 $725,000 $241,667 $3,854 4.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $720,000 $180,000 $4,777 4.13%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $705,000 $235,000 $4,162 4.29%
ABILENE, TX (FHA|USDA|VA) 4 $690,000 $172,500 $2,667 4.72%
FORT WAYNE, IN (FHA|USDA|VA) 2 $670,000 $335,000 $4,378 4.25%
Adrian, MI (FHA|USDA|VA) 2 $670,000 $335,000 $2,026 3.56%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $660,000 $330,000 $3,536 4.44%
Cullman, AL (FHA|USDA|VA) 2 $660,000 $330,000 $3,631 3.56%
Shelbyville, TN (FHA|USDA|VA) 3 $655,000 $218,333 $3,126 3.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $655,000 $218,333 $2,683 3.79%
MEDFORD, OR (FHA|USDA|VA) 1 $635,000 $635,000 $17,954 3.25%
Lewisburg, TN (FHA|USDA|VA) 2 $630,000 $315,000 $2,112 3.88%
BATON ROUGE, LA (FHA|USDA|VA) 4 $610,000 $152,500 $3,996 3.69%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $610,000 $152,500 $2,628 3.84%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $600,000 $300,000 $6,405 4.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $590,000 $295,000 $10,992 4.69%
SUMTER, SC (FHA|USDA|VA) 3 $585,000 $195,000 $5,118 4.63%
TYLER, TX (FHA|USDA|VA) 3 $585,000 $195,000 $3,227 3.96%
Cadillac, MI (FHA|USDA|VA) 4 $580,000 $145,000 $4,526 4.44%
Traverse City, MI (FHA|USDA|VA) 3 $575,000 $191,667 $6,769 4.25%
OCALA, FL (FHA|USDA|VA) 3 $575,000 $191,667 $2,681 3.54%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $565,000 $188,333 $6,294 3.63%
Clearlake, CA (FHA|USDA|VA) 2 $550,000 $275,000 $5,030 3.75%
AMARILLO, TX (FHA|USDA|VA) 2 $550,000 $275,000 $3,160 3.70%
Angola, IN (FHA|USDA|VA) 1 $535,000 $535,000 $11,160 3.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $530,000 $265,000 $6,333 4.06%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $530,000 $265,000 $7,955 5.13%
Bardstown, KY (FHA|USDA|VA) 4 $520,000 $130,000 $3,402 4.34%
Morehead City, NC (FHA|USDA|VA) 2 $500,000 $250,000 $9,145 4.25%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $485,000 $161,667 $1,643 4.08%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $480,000 $240,000 $4,584 3.50%
Gainesville, TX (FHA|USDA|VA) 2 $470,000 $235,000 $6,851 4.96%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $465,000 $465,000 $6,330 3.13%
ANN ARBOR, MI (FHA|USDA|VA) 2 $460,000 $230,000 $4,540 4.81%
LYNCHBURG, VA (FHA|USDA|VA) 1 $455,000 $455,000 $3,990 4.88%
FLORENCE, SC (FHA|USDA|VA) 2 $450,000 $225,000 $2,746 5.13%
SYRACUSE, NY (FHA|USDA|VA) 1 $445,000 $445,000 $1,556 3.50%
Watertown, SD (FHA|USDA|VA) 2 $440,000 $220,000 $7,122 3.81%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $440,000 $220,000 $1,722 3.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $440,000 $220,000 $3,246 3.75%
Union, SC (FHA|USDA|VA) 6 $430,000 $71,667 $3,724 4.00%
GREENVILLE, NC (FHA|USDA|VA) 2 $430,000 $215,000 $6,675 4.00%
Norwalk, OH (FHA|USDA|VA) 1 $425,000 $425,000 $6,046 4.25%
Wooster, OH (FHA|USDA|VA) 1 $425,000 $425,000 $3,295 4.25%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $420,000 $210,000 $5,379 4.25%
MANHATTAN, KS (FHA|USDA|VA) 1 $415,000 $415,000 $5,130 3.13%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $410,000 $205,000 $4,231 4.06%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $405,000 $405,000 $5,349 4.50%
ROANOKE, VA (FHA|USDA|VA) 2 $400,000 $200,000 $2,090 4.56%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $400,000 $200,000 $1,459 4.00%
Fremont, OH (FHA|USDA|VA) 2 $400,000 $200,000 $4,161 4.44%
El Campo, TX (FHA|USDA|VA) 1 $395,000 $395,000 $5,951 3.88%
Hutchinson, KS (FHA|USDA|VA) 3 $395,000 $131,667 $4,149 4.58%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $395,000 $395,000 $8,087 3.63%
SALEM, OR (FHA|USDA|VA) 2 $390,000 $195,000 $8,269 3.63%
Jasper, AL (FHA|USDA|VA) 2 $390,000 $195,000 $4,097 4.63%
Mountain Home, ID (FHA|USDA|VA) 2 $380,000 $190,000 $6,136 4.25%
Alexander City, AL (FHA|USDA|VA) 1 $365,000 $365,000 $4,055 3.63%
Nacogdoches, TX (FHA|USDA|VA) 1 $365,000 $365,000 $13,645 5.00%
LONGVIEW, TX (FHA|USDA|VA) 3 $365,000 $121,667 $3,716 4.50%
Mount Vernon, OH (FHA|USDA|VA) 1 $365,000 $365,000 $15,108 4.00%
Barre, VT (FHA|USDA|VA) 2 $360,000 $180,000 $6,547 3.69%
Alexandria, MN (FHA|USDA|VA) 1 $355,000 $355,000 $6,377 3.38%
Georgetown, SC (FHA|USDA|VA) 1 $355,000 $355,000 $6,751 3.50%
YUBA CITY, CA (FHA|USDA|VA) 1 $355,000 $355,000 $11,660 3.50%
Sturgis, MI (FHA|USDA|VA) 3 $355,000 $118,333 $3,068 5.38%
Montrose, CO (FHA|USDA|VA) 2 $350,000 $175,000 $5,079 4.81%
Searcy, AR (FHA|USDA|VA) 2 $350,000 $175,000 $3,932 4.31%
MERCED, CA (FHA|USDA|VA) 2 $340,000 $170,000 $4,389 3.88%
Pottsville, PA (FHA|USDA|VA) 4 $340,000 $85,000 $1,708 4.84%
Shelby, NC (FHA|USDA|VA) 3 $335,000 $111,667 $4,926 5.33%
Seneca, SC (FHA|USDA|VA) 2 $330,000 $165,000 $4,676 4.19%
Del Rio, TX (FHA|USDA|VA) 1 $325,000 $325,000 $1,891 3.63%
GAINESVILLE, GA (FHA|USDA|VA) 1 $325,000 $325,000 $5,173 4.00%
Spearfish, SD (FHA|USDA|VA) 1 $325,000 $325,000 $6,197 3.63%
MONTGOMERY, AL (FHA|USDA|VA) 2 $320,000 $160,000 $4,948 4.56%
Kerrville, TX (FHA|USDA|VA) 2 $320,000 $160,000 $6,857 4.81%
DECATUR, AL (FHA|USDA|VA) 2 $310,000 $155,000 $1,160 3.88%
GAINESVILLE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $2,546 3.63%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $305,000 $305,000 $4,632 5.38%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $305,000 $305,000 $3,346 3.88%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $305,000 $305,000 $15,292 3.75%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $300,000 $150,000 $1,629 4.56%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $295,000 $295,000 $15,985 3.88%
Aberdeen, SD (FHA|USDA|VA) 1 $295,000 $295,000 $9,501 5.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $290,000 $145,000 $2,074 4.99%
Newport, TN (FHA|USDA|VA) 2 $290,000 $145,000 $4,780 4.31%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $285,000 $285,000 $11,547 4.63%
Easton, MD (FHA|USDA|VA) 1 $285,000 $285,000 $7,825 2.99%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $280,000 $140,000 $1,976 4.56%
Albertville, AL (FHA|USDA|VA) 1 $275,000 $275,000 $11,279 3.50%
Moses Lake, WA (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.00%
JACKSON, TN (FHA|USDA|VA) 1 $275,000 $275,000 $2,808 3.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $275,000 $275,000 $1,798 4.25%
LANCASTER, PA (FHA|USDA|VA) 1 $275,000 $275,000 $15,820 3.63%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $270,000 $135,000 $4,195 4.63%
JONESBORO, AR (FHA|USDA|VA) 1 $265,000 $265,000 $6,148 4.50%
Nogales, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $5,957 3.13%
Red Wing, MN (FHA|USDA|VA) 1 $265,000 $265,000 $2,201 4.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,836 2.88%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $255,000 $255,000 $6,897 5.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $255,000 $255,000 $6,594 4.50%
Russellville, AR (FHA|USDA|VA) 2 $250,000 $125,000 $3,838 4.31%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $245,000 $245,000 $2,861 3.88%
Alice, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,406 4.50%
Klamath Falls, OR (FHA|USDA|VA) 1 $245,000 $245,000 $14,243 3.25%
Newport, OR (FHA|USDA|VA) 1 $245,000 $245,000 $8,214 4.50%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $245,000 $245,000 $10,347 3.63%
Columbus, NE (FHA|USDA|VA) 1 $245,000 $245,000 $2,605 4.00%
GETTYSBURG, PA (FHA|USDA|VA) 1 $235,000 $235,000 $10,957 3.13%
ALBANY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $510 4.13%
Frankfort, IN (FHA|USDA|VA) 1 $235,000 $235,000 $6,794 4.00%
Ukiah, CA (FHA|USDA|VA) 1 $225,000 $225,000 $600 3.63%
Jefferson, GA (FHA|USDA|VA) 1 $225,000 $225,000 $6,246 4.63%
TULSA, OK (FHA|USDA|VA) 1 $225,000 $225,000 $4,272 3.63%
North Vernon, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,042 3.63%
Raymondville, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,079 4.13%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $215,000 $215,000 $5,965 4.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $215,000 $215,000 $11,810 3.00%
Lufkin, TX (FHA|USDA|VA) 1 $215,000 $215,000 $9,736 3.50%
Laramie, WY (FHA|USDA|VA) 1 $215,000 $215,000 $11,606 3.88%
GOLDSBORO, NC (FHA|USDA|VA) 1 $205,000 $205,000 $5,376 4.88%
DOVER, DE (FHA|USDA|VA) 1 $205,000 $205,000 $5,618 4.00%
Centralia, WA (FHA|USDA|VA) 1 $205,000 $205,000 $3,661 3.50%
Moultrie, GA (FHA|USDA|VA) 1 $205,000 $205,000 $5,267 4.25%
Altus, OK (FHA|USDA|VA) 1 $195,000 $195,000 $4,633 4.63%
VICTORIA, TX (FHA|USDA|VA) 1 $195,000 $195,000 $12,536 4.63%
Scottsburg, IN (FHA|USDA|VA) 1 $195,000 $195,000 $1,736 3.63%
Lawrenceburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $3,166 3.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $195,000 $195,000 $4,318 3.50%
Arkadelphia, AR (FHA|USDA|VA) 2 $190,000 $95,000 $2,014 4.31%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $185,000 $185,000 $6,610 3.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $2,019 5.63%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $4,432 3.13%
Mount Pleasant, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,162 4.25%
LAFAYETTE, LA (FHA|USDA|VA) 1 $185,000 $185,000 $3,763 3.38%
DULUTH, MN-WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,422 4.50%
Cornelia, GA (FHA|USDA|VA) 1 $175,000 $175,000 $2,416 3.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $4,980 3.25%
Americus, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,666 4.50%
Winfield, KS (FHA|USDA|VA) 1 $175,000 $175,000 $4,447 4.88%
Clovis, NM (FHA|USDA|VA) 1 $165,000 $165,000 $922 4.50%
Fort Payne, AL (FHA|USDA|VA) 1 $165,000 $165,000 $450 5.00%
Mount Pleasant, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,290 4.63%
Safford, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $5,123 4.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,875 4.38%
Coldwater, MI (FHA|USDA|VA) 1 $165,000 $165,000 $5,921 4.63%
Ludington, MI (FHA|USDA|VA) 1 $155,000 $155,000 $3,470 4.13%
NEW BERN, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,555 2.75%
Jacksonville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,997 4.13%
ALTOONA, PA (FHA|USDA|VA) 1 $155,000 $155,000 $9,545 3.00%
Cullowhee, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,112 3.75%
Coos Bay, OR (FHA|USDA|VA) 1 $155,000 $155,000 $1,488 3.63%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $145,000 $145,000 $7,026 4.13%
MIDLAND, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,452 4.13%
Sulphur Springs, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,775 4.75%
Show Low, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $1,392 3.50%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,902 3.38%
Martinsville, VA (FHA|USDA|VA) 1 $145,000 $145,000 $3,408 4.50%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $145,000 $145,000 $2,207 3.18%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $145,000 $145,000 $1,529 3.50%
Middlesborough, KY (FHA|USDA|VA) 1 $145,000 $145,000 $5,791 4.50%
Hutchinson, MN (FHA|USDA|VA) 1 $145,000 $145,000 $5,157 4.00%
JACKSON, MI (FHA|USDA|VA) 1 $145,000 $145,000 $4,767 4.13%
Susanville, CA (FHA|USDA|VA) 1 $135,000 $135,000 $3,369 3.88%
Forest City, NC (FHA|USDA|VA) 1 $135,000 $135,000 $1,809 5.25%
Sandusky, OH (FHA|USDA|VA) 1 $135,000 $135,000 $7,075 3.50%
Hillsdale, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,909 4.75%
New Castle, PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,793 3.13%
Kendallville, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,144 3.63%
Bartlesville, OK (FHA|USDA|VA) 1 $125,000 $125,000 $4,314 4.88%
Sunbury, PA (FHA|USDA|VA) 1 $125,000 $125,000 $2,603 3.75%
Owatonna, MN (FHA|USDA|VA) 1 $125,000 $125,000 $6,515 3.50%
Madisonville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $1,211 4.13%
Vernon, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,811 5.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,947 3.25%
Campbellsville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $365 4.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $120,000 $60,000 $1,535 1.75%
Warren, PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,876 3.38%
Uvalde, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,913 6.00%
TWIN FALLS, ID (FHA|USDA|VA) 1 $115,000 $115,000 $4,528 4.75%
Brenham, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,656 5.00%
Batesville, AR (FHA|USDA|VA) 1 $115,000 $115,000 $1,729 4.50%
Macomb, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,499 4.25%
Pearsall, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,434 5.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,556 3.75%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $105,000 $105,000 $4,016 4.88%
Bonham, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
Mountain Home, AR (FHA|USDA|VA) 1 $95,000 $95,000 $2,946 4.13%
Athens, TN (FHA|USDA|VA) 1 $85,000 $85,000 $6,761 5.88%
PINE BLUFF, AR (FHA|USDA|VA) 1 $65,000 $65,000 $1,465 4.38%
Mount Airy, NC (FHA|USDA|VA) 2 $60,000 $30,000 $1,835 2.06%
Stillwater, OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,747 4.38%
Glasgow, KY (FHA|USDA|VA) 1 $55,000 $55,000 $4,266 4.00%
Lincoln, IL (FHA|USDA|VA) 1 $25,000 $25,000 $2,374 5.88%
Ark-la-tex Financial Services's top markets include Houston, Dallas, Los Angeles, Austin, and San Diego among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against ARK-LA-TEX FINANCIAL SERVICES based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    EDUCATORS CREDIT UNION
    Similarity Rank: 66
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    SAFE 1 CREDIT UNION
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,142 $2,426,000,000 $265,369 $3,994 4.25%
    FHA 3,553 $755,205,000 $212,554 $6,394 4.42%
    VA 2,785 $791,935,000 $284,357 $5,752 4.01%
    USDA 420 $64,340,000 $153,190 $3,302 4.39%

    For 2019, Ark-la-tex Financial Services's most frequently originated type of loan was Conventional, with 9,142 originations. Their 2nd most popular type was FHA, with 3,553 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 12,302 $2,912,160,000 $236,722 $4,741 4.31%
    Refi 2,709 $873,565,000 $322,468 $4,941 3.93%
    Cash Out Refi 804 $225,490,000 $280,460 $5,968 4.44%
    Home Improvement 85 $26,265,000 $309,000 $6,296 4.00%

    For 2019, Ark-la-tex Financial Services's most frequently cited loan purpose was Home Purchase, with 12,302 originations. The 2nd most popular reason was Refi, with 2,709 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 14,714 $3,804,870,000 $258,588 $4,894 4.30%
    15 Year 598 $134,920,000 $225,619 $3,982 3.73%
    10 Year 228 $4,650,000 $20,395 $487 2.96%
    20 Year 197 $48,365,000 $245,508 $4,402 3.91%
    Other 157 $42,755,000 $272,325 $7,152 3.84%
    30+ year 5 $1,915,000 $383,000 $10,194 4.37%
    5 Year 1 $5,000 $5,000 $0 0.00%

    For 2019, Ark-la-tex Financial Services's most frequently cited loan duration was 30 Year, with 14,714 originations. The 2nd most popular length was 15 Year, with 598 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 7,715 $1,800,315,000 $233,353
    $1k-2k 3,762 $1,014,330,000 $269,625
    $2k-3k 1,672 $388,180,000 $232,165
    $3k-4k 989 $262,555,000 $265,475
    $5k+ 665 $289,915,000 $435,962
    $4k-5k 514 $158,940,000 $309,222

    Ark-la-tex Financial Services's average total fees were $4,894, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 7,715 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 7,537 $1,863,215,000 $247,209
    3-4% 6,255 $1,785,055,000 $285,380
    5-6% 1,727 $334,915,000 $193,929
    <2.5% 180 $1,080,000 $6,000
    2.5-3% 123 $37,195,000 $302,398
    6-7% 67 $12,765,000 $190,522
    7-8% 9 $2,845,000 $316,111
    Over 8% 2 $410,000 $205,000

    During 2019, Ark-la-tex Financial Services's average interest rate for loans was 4.30%, while their most frequently originated rate bucket for loans was 4-5%, with 7,537 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 7,510 $2,057,950,000 $274,028 $5,357 4.19%
    $100k-200k 5,102 $797,780,000 $156,366 $3,751 4.43%
    $400k-600k 1,541 $724,155,000 $469,925 $6,596 4.07%
    $100,000 or less 1,241 $73,795,000 $59,464 $2,454 4.14%
    $600k-1MM 453 $319,405,000 $705,088 $7,774 4.20%
    $1MM+ 53 $64,395,000 $1,215,000 $11,068 4.33%

    2019 saw Ark-la-tex Financial Services place emphasis on $200k-400k loans with 7,510 originations, totaling $2,057,950,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 4,148 $807,990,000 $194,790 $4,479 4.31%
    $100k-150k 3,233 $962,565,000 $297,731 $5,507 4.26%
    $75k-100k 3,018 $744,720,000 $246,759 $5,117 4.27%
    $50k or less 2,960 $494,470,000 $167,051 $3,766 4.16%
    $150k-250k 1,796 $685,980,000 $381,949 $5,548 4.22%
    $250k+ 688 $325,340,000 $472,878 $5,655 4.30%

    Ark-la-tex Financial Services lent most frequently to those with incomes in the $50k-75k range, with 4,148 originations. The second most popular income band? $100k-150k, with 3,233 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,682 $665,030,000 $247,960 $4,496 4.22%
    20-30% 2,494 $605,720,000 $242,871 $4,261 4.22%
    50-60% 1,406 $354,420,000 $252,077 $6,872 4.35%
    44% 711 $179,745,000 $252,806 $4,845 4.40%
    <20% 662 $166,730,000 $251,858 $4,118 4.15%
    43% 648 $158,710,000 $244,923 $4,727 4.35%
    39% 628 $158,780,000 $252,834 $4,698 4.29%
    42% 619 $160,245,000 $258,877 $4,730 4.29%
    40% 606 $145,760,000 $240,528 $4,719 4.29%
    41% 606 $159,600,000 $263,366 $4,631 4.29%
    49% 581 $158,565,000 $272,917 $5,372 4.35%
    36% 573 $148,775,000 $259,642 $4,411 4.24%
    37% 554 $140,660,000 $253,899 $4,608 4.28%
    38% 546 $135,760,000 $248,645 $4,467 4.31%
    45% 501 $126,505,000 $252,505 $5,066 4.30%
    48% 498 $128,360,000 $257,751 $5,253 4.33%
    46% 461 $119,375,000 $258,948 $5,436 4.31%
    47% 456 $116,020,000 $254,430 $5,203 4.35%
    >60% 88 $26,950,000 $306,250 $6,617 4.15%

    Ark-la-tex Financial Services lent most frequently to those with DTI ratios of 30-36%, with 2,682 originations. The next most common DTI ratio? 20-30%, with 2,494 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 11,787 $2,946,845,000 $250,008 $4,754 4.27%
    Not provided 2,330 $642,150,000 $275,601 $5,187 4.19%
    Black 1,124 $262,040,000 $233,132 $5,101 4.24%
    Asian 500 $147,180,000 $294,360 $4,727 4.18%
    American Indian 126 $28,270,000 $224,365 $5,188 4.31%
    Native Hawaiian or Islander 25 $8,055,000 $322,200 $5,029 4.15%
    Asian Indian 4 $1,700,000 $425,000 $5,726 4.75%
    Other Asian 2 $640,000 $320,000 $7,092 4.13%
    Filipino 1 $425,000 $425,000 $2,254 3.50%
    Korean 1 $175,000 $175,000 $2,704 4.75%

    Approval Rates

    Total approvals of all applications
    90.22%

    Ark-la-tex Financial Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.19%

    Ark-la-tex Financial Services has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 16 $110,000 $6,875
    NA 15,884 $4,037,370,000 $254,178

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 30 $4,630,000 $154,333
    Single Family (1-4 Units):Site-Built 15,870 $4,032,850,000 $254,118

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 228 $48,010,000 $210,570 $3,960 4.10%
    40-60% 750 $206,700,000 $275,600 $4,398 4.07%
    60-80% 3,237 $958,335,000 $296,057 $4,513 4.29%
    80-100% 10,603 $2,608,275,000 $245,994 $4,812 4.32%
    Over 100% 688 $195,110,000 $283,590 $8,635 4.09%
    Under 20% 344 $6,840,000 $19,884 $650 2.76%