Arvest Bank Mortgage Rates, Fees & Info

Fayetteville, AR

LEI: COINQMNIM6RBU631DD85

Tax ID: 71-0118700

5 stars - Updated: 5/27/24 - out of 5 stars, based on 110 reviews

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

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Mortgage Data

Review & Overview

Arvest Bank is a small bank specializing in Home Purchase loans. Arvest Bank 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: Fayetteville, Tulsa, Kansas City, Little Rock, and Oklahoma City among others. We have data for 274 markets. (Some data included below & more in-depth data is available with an active subscription.)

Arvest Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Arvest Bank 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 relatively high 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 5/27/24
30 Year Conventional Purchase 6.47% 5/27/24
30 Year Conventional Refi 6.27% 5/27/24
30 Year Cash-out Refi 6.51% 5/27/24
30 Year FHA Purchase 7.39% 5/27/24
30 Year FHA Refi 6.66% 5/27/24
30 Year VA Purchase 6.31% 5/27/24
30 Year VA Refi 6.56% 5/27/24
30 Year USDA Purchase 6.90% 5/27/24
30 Year USDA Refi 6.99% 5/27/24
15 Year Conventional Purchase 5.95% 5/27/24
15 Year Conventional Refi 6.09% 5/27/24
15 Year Cash-out Refi 6.09% 5/27/24
15 Year FHA Purchase 7.21% 5/27/24
15 Year FHA Refi 6.73% 5/27/24
15 Year VA Purchase 6.07% 5/27/24
15 Year VA Refi 5.68% 5/27/24
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.

Arvest Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Arvest Bank. 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

11,997

Origination Dollar Volume (All Markets)

$2,749,865,000
Show all (47) awards

Relative Rate

Arvest Bank's average 30 year fixed mortgage rate was 6.63%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.15%.

Relative Fees (Closing Costs)

Arvest Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,875.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2,919 $841,205,000 $288,183 $4,211 7.61%
TULSA, OK (FHA|USDA|VA) 1,361 $327,065,000 $240,312 $5,356 7.61%
KANSAS CITY, MO-KS (FHA|USDA|VA) 885 $298,855,000 $337,689 $3,678 7.20%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 962 $207,720,000 $215,925 $4,329 7.56%
Outside of Metro Areas 1,187 $175,275,000 $147,662 $4,128 7.45%
OKLAHOMA CITY, OK (FHA|USDA|VA) 619 $145,045,000 $234,321 $5,164 7.53%
SPRINGFIELD, MO (FHA|USDA|VA) 482 $92,170,000 $191,224 $3,855 7.54%
FORT SMITH, AR-OK (FHA|USDA|VA) 503 $75,025,000 $149,155 $3,870 7.39%
JOPLIN, MO (FHA|USDA|VA) 380 $60,720,000 $159,789 $3,528 7.56%
Russellville, AR (FHA|USDA|VA) 330 $43,260,000 $131,091 $3,871 7.41%
HOT SPRINGS, AR (FHA|USDA|VA) 204 $36,900,000 $180,882 $4,144 7.59%
JONESBORO, AR (FHA|USDA|VA) 179 $28,185,000 $157,458 $4,634 7.28%
LAWTON, OK (FHA|USDA|VA) 214 $25,970,000 $121,355 $4,771 8.13%
Mountain Home, AR (FHA|USDA|VA) 123 $23,765,000 $193,211 $3,073 7.56%
Tahlequah, OK (FHA|USDA|VA) 117 $19,145,000 $163,632 $4,805 7.37%
Bartlesville, OK (FHA|USDA|VA) 148 $18,670,000 $126,149 $4,126 7.64%
ST. LOUIS, MO-IL (FHA|USDA|VA) 50 $17,600,000 $352,000 $4,290 6.70%
Duncan, OK (FHA|USDA|VA) 123 $14,485,000 $117,764 $5,058 7.98%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 28 $12,320,000 $440,000 $7,069 6.64%
Branson, MO (FHA|USDA|VA) 70 $10,830,000 $154,714 $3,580 7.46%
Miami, OK (FHA|USDA|VA) 65 $10,825,000 $166,538 $4,221 7.21%
LAWRENCE, KS (FHA|USDA|VA) 22 $10,380,000 $471,818 $3,100 7.58%
Harrison, AR (FHA|USDA|VA) 81 $9,955,000 $122,901 $3,534 7.52%
McAlester, OK (FHA|USDA|VA) 65 $9,775,000 $150,385 $6,238 7.48%
Shawnee, OK (FHA|USDA|VA) 56 $7,890,000 $140,893 $4,817 7.99%
Paragould, AR (FHA|USDA|VA) 17 $7,425,000 $436,765 $4,473 7.41%
Muskogee, OK (FHA|USDA|VA) 48 $7,260,000 $151,250 $4,399 7.19%
WICHITA, KS (FHA|USDA|VA) 18 $6,670,000 $370,556 $4,708 6.51%
Pittsburg, KS (FHA|USDA|VA) 32 $6,430,000 $200,938 $3,209 7.40%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $5,770,000 $961,667 $8,353 6.52%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 14 $5,750,000 $410,714 $9,862 6.60%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 13 $5,325,000 $409,615 $7,646 6.27%
Stillwater, OK (FHA|USDA|VA) 21 $5,195,000 $247,381 $4,025 7.24%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $4,980,000 $1,245,000 $18,939 5.91%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 13 $4,955,000 $381,154 $9,028 6.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 15 $4,945,000 $329,667 $6,669 6.48%
Ottawa, KS (FHA|USDA|VA) 19 $4,555,000 $239,737 $4,425 7.15%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 10 $4,350,000 $435,000 $6,668 6.74%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $4,275,000 $388,636 $9,221 6.85%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 17 $4,235,000 $249,118 $4,683 6.44%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10 $4,010,000 $401,000 $6,347 6.53%
PINE BLUFF, AR (FHA|USDA|VA) 8 $3,780,000 $472,500 $5,853 8.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $3,620,000 $301,667 $6,994 6.82%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $3,375,000 $482,143 $6,185 6.80%
COLUMBIA, MO (FHA|USDA|VA) 11 $3,285,000 $298,636 $3,150 6.39%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 10 $3,240,000 $324,000 $7,468 6.48%
TOPEKA, KS (FHA|USDA|VA) 12 $2,830,000 $235,833 $3,917 7.58%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 6 $2,760,000 $460,000 $6,527 7.17%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $2,640,000 $330,000 $11,052 6.48%
Searcy, AR (FHA|USDA|VA) 12 $2,500,000 $208,333 $4,061 6.99%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $2,240,000 $560,000 $6,221 6.78%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $2,210,000 $276,250 $10,331 6.92%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 6 $2,070,000 $345,000 $6,820 6.71%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $1,925,000 $213,889 $6,234 6.79%
Malvern, AR (FHA|USDA|VA) 20 $1,860,000 $93,000 $3,082 7.36%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $1,765,000 $353,000 $6,111 6.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,650,000 $412,500 $4,899 5.97%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,645,000 $329,000 $10,003 6.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $1,610,000 $402,500 $6,411 7.25%
Lebanon, MO (FHA|USDA|VA) 16 $1,600,000 $100,000 $3,045 7.65%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,590,000 $397,500 $6,916 6.41%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $1,545,000 $309,000 $3,870 6.48%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,540,000 $385,000 $7,127 5.94%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,500,000 $375,000 $4,734 6.41%
ENID, OK (FHA|USDA|VA) 7 $1,445,000 $206,429 $6,026 8.11%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,360,000 $340,000 $10,154 6.66%
Warrensburg, MO (FHA|USDA|VA) 7 $1,315,000 $187,857 $3,672 6.46%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $1,240,000 $620,000 $5,788 6.88%
Arkadelphia, AR (FHA|USDA|VA) 7 $1,235,000 $176,429 $5,039 6.98%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $1,195,000 $398,333 $7,283 6.71%
LOUISVILLE, KY (FHA|USDA|VA) 3 $1,185,000 $395,000 $5,808 6.96%
Kirksville, MO (FHA|USDA|VA) 5 $1,175,000 $235,000 $2,153 7.61%
Durant, OK (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,069 8.04%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,130,000 $282,500 $7,368 6.63%
West Plains, MO (FHA|USDA|VA) 8 $1,120,000 $140,000 $4,291 8.16%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,090,000 $272,500 $7,475 6.72%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $1,070,000 $535,000 $4,971 7.06%
Blytheville, AR (FHA|USDA|VA) 7 $1,055,000 $150,714 $3,976 7.57%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $1,045,000 $209,000 $3,521 6.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,035,000 $345,000 $6,550 5.71%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,020,000 $255,000 $3,966 6.72%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $995,000 $331,667 $4,922 7.13%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $945,000 $315,000 $3,757 6.50%
PANAMA CITY, FL (FHA|USDA|VA) 2 $940,000 $470,000 $4,971 6.31%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $900,000 $225,000 $4,857 6.22%
COLUMBUS, OH (FHA|USDA|VA) 3 $895,000 $298,333 $3,640 6.79%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $865,000 $288,333 $5,713 7.00%
TUCSON, AZ (FHA|USDA|VA) 3 $865,000 $288,333 $5,695 6.63%
Coffeyville, KS (FHA|USDA|VA) 7 $855,000 $122,143 $3,364 7.21%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $840,000 $210,000 $4,664 7.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $835,000 $278,333 $3,129 6.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $820,000 $410,000 $5,703 6.63%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $810,000 $405,000 $5,064 7.06%
Batesville, AR (FHA|USDA|VA) 5 $795,000 $159,000 $3,252 7.03%
MANHATTAN, KS (FHA|USDA|VA) 4 $790,000 $197,500 $3,817 7.63%
Elko, NV (FHA|USDA|VA) 2 $780,000 $390,000 $6,216 6.88%
APPLETON, WI (FHA|USDA|VA) 1 $775,000 $775,000 $2,780 6.88%
CHEYENNE, WY (FHA|USDA|VA) 2 $760,000 $380,000 $3,338 6.31%
Sikeston, MO (FHA|USDA|VA) 3 $755,000 $251,667 $3,150 6.33%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $750,000 $375,000 $5,488 6.81%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $685,000 $685,000 $4,403 6.38%
MUSKEGON, MI (FHA|USDA|VA) 1 $675,000 $675,000 $22,805 6.50%
Hannibal, MO (FHA|USDA|VA) 1 $655,000 $655,000 $3,202 6.25%
Sedalia, MO (FHA|USDA|VA) 4 $650,000 $162,500 $2,795 7.38%
GREAT FALLS, MT (FHA|USDA|VA) 1 $635,000 $635,000 $5,875 6.38%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $635,000 $211,667 $4,899 6.96%
Elk City, OK (FHA|USDA|VA) 3 $625,000 $208,333 $4,313 6.83%
GAINESVILLE, FL (FHA|USDA|VA) 1 $625,000 $625,000 $6,143 5.75%
Kapaa, HI (FHA|USDA|VA) 1 $615,000 $615,000 $8,602 5.88%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $610,000 $305,000 $4,249 7.94%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $610,000 $152,500 $4,784 6.69%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $605,000 $605,000 $35,401 5.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $600,000 $300,000 $5,599 6.56%
Seneca, SC (FHA|USDA|VA) 1 $595,000 $595,000 $9,661 6.88%
STOCKTON, CA (FHA|USDA|VA) 1 $595,000 $595,000 $13,194 6.88%
RENO, NV (FHA|USDA|VA) 1 $595,000 $595,000 $2,534 7.00%
NILES, MI (FHA|USDA|VA) 2 $590,000 $295,000 $5,213 6.81%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $590,000 $295,000 $10,435 6.75%
Pella, IA (FHA|USDA|VA) 1 $575,000 $575,000 $2,300 5.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $570,000 $285,000 $5,894 7.00%
DECATUR, AL (FHA|USDA|VA) 1 $565,000 $565,000 $0 7.00%
GREELEY, CO (FHA|USDA|VA) 1 $555,000 $555,000 $13,583 5.50%
NEW BERN, NC (FHA|USDA|VA) 1 $545,000 $545,000 $0 6.25%
OCALA, FL (FHA|USDA|VA) 1 $525,000 $525,000 $4,492 6.75%
Salina, KS (FHA|USDA|VA) 2 $520,000 $260,000 $2,323 5.81%
TYLER, TX (FHA|USDA|VA) 1 $515,000 $515,000 $6,900 6.63%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $505,000 $168,333 $4,735 7.21%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $505,000 $505,000 $4,858 7.38%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $500,000 $250,000 $8,753 5.69%
ROANOKE, VA (FHA|USDA|VA) 1 $495,000 $495,000 $10,164 6.88%
Greeneville, TN (FHA|USDA|VA) 1 $485,000 $485,000 $0 8.00%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $480,000 $240,000 $5,473 6.69%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $470,000 $235,000 $4,542 7.19%
Beaver Dam, WI (FHA|USDA|VA) 2 $470,000 $235,000 $7,055 7.35%
Bedford, IN (FHA|USDA|VA) 1 $455,000 $455,000 $2,370 5.88%
Garden City, KS (FHA|USDA|VA) 2 $440,000 $220,000 $2,521 6.75%
LOGAN, UT-ID (FHA|USDA|VA) 1 $435,000 $435,000 $5,125 5.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $435,000 $435,000 $7,310 6.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $430,000 $215,000 $5,656 6.63%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $425,000 $425,000 $7,682 7.50%
FRESNO, CA (FHA|USDA|VA) 2 $420,000 $210,000 $6,464 6.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $415,000 $415,000 $5,547 6.88%
ANN ARBOR, MI (FHA|USDA|VA) 1 $415,000 $415,000 $5,145 5.88%
Durango, CO (FHA|USDA|VA) 1 $415,000 $415,000 $2,287 7.38%
EL PASO, TX (FHA|USDA|VA) 1 $405,000 $405,000 $12,260 7.00%
YUBA CITY, CA (FHA|USDA|VA) 1 $395,000 $395,000 $5,411 6.50%
Emporia, KS (FHA|USDA|VA) 1 $395,000 $395,000 $3,157 5.38%
Greenville, MS (FHA|USDA|VA) 1 $395,000 $395,000 $12,974 6.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $390,000 $195,000 $7,041 6.88%
FARMINGTON, NM (FHA|USDA|VA) 1 $385,000 $385,000 $5,401 7.75%
ALBANY, GA (FHA|USDA|VA) 1 $385,000 $385,000 $4,021 5.63%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $380,000 $190,000 $6,006 6.56%
JACKSON, TN (FHA|USDA|VA) 2 $370,000 $185,000 $3,684 6.44%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $370,000 $185,000 $6,982 6.50%
Fernley, NV (FHA|USDA|VA) 1 $365,000 $365,000 $4,589 6.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $365,000 $365,000 $9,643 7.38%
BATON ROUGE, LA (FHA|USDA|VA) 3 $365,000 $121,667 $3,664 6.79%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $365,000 $365,000 $4,747 7.38%
AKRON, OH (FHA|USDA|VA) 1 $365,000 $365,000 $13,456 5.88%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $365,000 $365,000 $10,604 6.00%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $355,000 $355,000 $5,843 7.25%
Charleston-Mattoon, IL (FHA|USDA|VA) 2 $350,000 $175,000 $4,143 6.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $340,000 $170,000 $6,753 5.38%
Woodward, OK (FHA|USDA|VA) 2 $330,000 $165,000 $2,859 6.84%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $330,000 $165,000 $0 7.88%
Ardmore, OK (FHA|USDA|VA) 2 $330,000 $165,000 $3,384 6.90%
LANCASTER, PA (FHA|USDA|VA) 2 $320,000 $160,000 $4,470 6.69%
Parsons, KS (FHA|USDA|VA) 4 $320,000 $80,000 $3,200 6.88%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $315,000 $315,000 $4,506 6.38%
The Dalles, OR (FHA|USDA|VA) 1 $315,000 $315,000 $4,208 7.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $315,000 $315,000 $6,893 5.38%
VISALIA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $9,588 6.25%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $300,000 $150,000 $6,368 7.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $300,000 $150,000 $4,840 6.75%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $300,000 $150,000 $6,246 6.13%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $300,000 $150,000 $3,964 6.00%
Forrest City, AR (FHA|USDA|VA) 4 $290,000 $72,500 $2,497 6.44%
STAUNTON, VA (FHA|USDA|VA) 1 $285,000 $285,000 $3,346 5.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,955 5.50%
El Dorado, AR (FHA|USDA|VA) 1 $285,000 $285,000 $3,294 6.38%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $280,000 $140,000 $6,799 5.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $275,000 $275,000 $5,955 6.63%
Sterling, IL (FHA|USDA|VA) 1 $275,000 $275,000 $3,588 6.38%
Atchison, KS (FHA|USDA|VA) 2 $270,000 $135,000 $7,435 7.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $270,000 $135,000 $4,347 7.13%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $265,000 $265,000 $2,580 5.88%
Ruston, LA (FHA|USDA|VA) 1 $265,000 $265,000 $6,185 7.13%
Vidalia, GA (FHA|USDA|VA) 1 $265,000 $265,000 $7,881 8.63%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $265,000 $265,000 $4,415 6.25%
Jefferson, GA (FHA|USDA|VA) 1 $265,000 $265,000 $13,487 6.25%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,431 8.13%
BEND, OR (FHA|USDA|VA) 1 $265,000 $265,000 $5,010 6.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $265,000 $265,000 $3,909 6.88%
Coos Bay, OR (FHA|USDA|VA) 1 $255,000 $255,000 $7,252 5.88%
Laurinburg, NC (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.39%
Adrian, MI (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $245,000 $245,000 $7,245 7.75%
Defiance, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,031 6.13%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $245,000 $245,000 $7,845 7.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $240,000 $120,000 $6,041 7.19%
LINCOLN, NE (FHA|USDA|VA) 1 $235,000 $235,000 $3,159 8.13%
Marietta, OH (FHA|USDA|VA) 1 $235,000 $235,000 $4,717 6.50%
WACO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $5,441 8.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $225,000 $225,000 $7,958 7.00%
COLUMBIA, SC (FHA|USDA|VA) 1 $225,000 $225,000 $7,359 7.00%
MODESTO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.50%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $215,000 $215,000 $3,127 6.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $210,000 $105,000 $0 6.38%
KNOXVILLE, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,337 6.38%
Quincy, IL-MO (FHA|USDA|VA) 1 $205,000 $205,000 $6,011 5.38%
RICHMOND, VA (FHA|USDA|VA) 1 $205,000 $205,000 $3,844 5.88%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $205,000 $205,000 $3,606 6.75%
Ruidoso, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,759 6.50%
Bay City, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,303 7.50%
Spirit Lake, IA (FHA|USDA|VA) 1 $205,000 $205,000 $1,429 6.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $195,000 $195,000 $4,139 6.38%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $195,000 $195,000 $4,915 7.25%
BOISE CITY, ID (FHA|USDA|VA) 1 $195,000 $195,000 $6,806 6.00%
ROCHESTER, MN (FHA|USDA|VA) 1 $195,000 $195,000 $3,009 6.75%
Ottawa, IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,587 7.00%
AMARILLO, TX (FHA|USDA|VA) 1 $185,000 $185,000 $1,971 6.25%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $5,913 6.50%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $180,000 $90,000 $3,387 6.06%
Minot, ND (FHA|USDA|VA) 1 $175,000 $175,000 $2,734 7.63%
Poplar Bluff, MO (FHA|USDA|VA) 1 $175,000 $175,000 $2,840 6.88%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $175,000 $175,000 $8,150 7.13%
Ontario, OR-ID (FHA|USDA|VA) 1 $175,000 $175,000 $4,740 6.88%
Hope, AR (FHA|USDA|VA) 1 $175,000 $175,000 $2,511 6.63%
LUBBOCK, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,730 6.63%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,039 6.38%
Ponca City, OK (FHA|USDA|VA) 2 $170,000 $85,000 $3,918 6.63%
Bogalusa, LA (FHA|USDA|VA) 1 $165,000 $165,000 $3,859 6.63%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $165,000 $165,000 $11,667 5.38%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $165,000 $165,000 $4,304 7.50%
Ada, OK (FHA|USDA|VA) 3 $165,000 $55,000 $3,057 7.92%
MADISON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.13%
Sayre, PA (FHA|USDA|VA) 1 $155,000 $155,000 $5,608 7.38%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.61%
Glenwood Springs, CO (FHA|USDA|VA) 1 $155,000 $155,000 $5,589 6.88%
FORT WAYNE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.75%
Natchitoches, LA (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.75%
WILMINGTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $4,840 5.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $140,000 $70,000 $3,890 6.19%
Altus, OK (FHA|USDA|VA) 2 $140,000 $70,000 $5,532 7.38%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $130,000 $65,000 $2,887 8.13%
Fort Leonard Wood, MO (FHA|USDA|VA) 2 $130,000 $65,000 $0 8.75%
Winnemucca, NV (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.00%
Macomb, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,886 6.88%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $125,000 $125,000 $5,458 6.88%
El Campo, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,650 6.88%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $115,000 $115,000 $5,717 6.25%
Bonham, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,380 6.88%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $115,000 $115,000 $5,281 5.88%
Eufaula, AL-GA (FHA|USDA|VA) 1 $115,000 $115,000 $4,008 6.25%
FLINT, MI (FHA|USDA|VA) 1 $105,000 $105,000 $4,424 5.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $3,309 7.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,951 6.13%
Palestine, TX (FHA|USDA|VA) 1 $105,000 $105,000 $6,236 5.88%
Mount Vernon, IL (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.63%
LaGrange, GA-AL (FHA|USDA|VA) 1 $85,000 $85,000 $3,537 7.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,477 5.38%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $75,000 $75,000 $3,934 7.50%
Magnolia, AR (FHA|USDA|VA) 1 $75,000 $75,000 $0 11.25%
Richmond, IN (FHA|USDA|VA) 1 $75,000 $75,000 $4,409 6.00%
Weatherford, OK (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.75%
Paducah, KY-IL (FHA|USDA|VA) 1 $65,000 $65,000 $4,023 7.00%
Wilson, NC (FHA|USDA|VA) 1 $65,000 $65,000 $2,746 6.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $55,000 $55,000 $3,712 6.75%
MUNCIE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $3,255 8.13%
CHARLESTON, WV (FHA|USDA|VA) 1 $45,000 $45,000 $4,272 6.25%
ROME, GA (FHA|USDA|VA) 1 $35,000 $35,000 $2,737 7.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.13%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $15,000 $15,000 $1,076 8.90%
Arvest Bank's top markets include Fayetteville, Tulsa, Kansas City, Little Rock, and Oklahoma City among others.

Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,052 $2,060,900,000 $292,243 $3,811 7.03%
    HELOC 3,566 $390,040,000 $109,377 n/a 8.75%
    FHA 952 $193,060,000 $202,794 $7,721 6.55%
    VA 297 $85,995,000 $289,545 $5,748 6.46%
    USDA 130 $19,870,000 $152,846 $5,165 6.65%

    For 2023, Arvest Bank's most frequently originated type of loan was Conventional, with 7,052 originations. Their 2nd most popular type was HELOC, with 3,566 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,357 $2,023,675,000 $318,338 $4,648 6.79%
    Home Improvement 2,099 $197,005,000 $93,857 $1,780 8.68%
    Other 1,529 $125,765,000 $82,253 $1,685 8.89%
    Refi 1,114 $224,280,000 $201,329 $4,075 7.88%
    Cash Out Refi 898 $179,140,000 $199,488 $5,214 6.70%

    For 2023, Arvest Bank's most frequently cited loan purpose was Home Purchase, with 6,357 originations. The 2nd most popular reason was Home Improvement, with 2,099 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,331 $1,787,635,000 $282,362 $4,875 6.63%
    Other 3,842 $508,450,000 $132,340 $949 8.80%
    15 Year 530 $97,390,000 $183,755 $3,749 6.91%
    5 Year 455 $200,885,000 $441,505 $495 7.86%
    20 Year 334 $42,970,000 $128,653 $2,168 8.41%
    10 Year 250 $23,570,000 $94,280 $858 7.35%
    1 Year 144 $22,920,000 $159,167 $0 8.45%
    3 Year 111 $66,045,000 $595,000 $428 7.93%

    For 2023, Arvest Bank's most frequently cited loan duration was 30 Year, with 6,331 originations. The 2nd most popular length was Other, with 3,842 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,284 $1,207,650,000 $281,898
    $<1k 1,056 $146,070,000 $138,324
    $2k-3k 896 $210,120,000 $234,509
    $3k-4k 425 $112,575,000 $264,882
    $5k+ 355 $139,315,000 $392,437
    $4k-5k 192 $59,910,000 $312,031

    Arvest Bank's average total fees were $4,875, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,284 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 4,079 $1,147,035,000 $281,205
    Over 8% 3,831 $352,755,000 $92,079
    7-8% 2,520 $708,870,000 $281,298
    5-6% 1,499 $518,335,000 $345,787
    4-5% 54 $22,150,000 $410,185
    <2.5% 11 $305,000 $27,727
    3-4% 3 $415,000 $138,333

    During 2023, Arvest Bank's average interest rate for loans was 6.63%, while their most frequently originated rate bucket for loans was 6-7%, with 4,079 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 4,167 $225,505,000 $54,117 $2,221 8.44%
    $100k-200k 3,278 $472,010,000 $143,993 $4,395 7.30%
    $200k-400k 3,093 $852,045,000 $275,475 $5,084 6.83%
    $400k-600k 881 $422,535,000 $479,608 $5,338 6.61%
    $600k-1MM 417 $302,805,000 $726,151 $5,770 6.41%
    $1MM+ 161 $474,965,000 $2,950,093 $6,459 6.62%

    2023 saw Arvest Bank place emphasis on $100,000 or less loans with 4,167 originations, totaling $225,505,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,344 $448,330,000 $191,267 $4,673 7.61%
    $50k-75k 2,125 $281,895,000 $132,656 $4,323 7.45%
    $75k-100k 1,720 $268,210,000 $155,936 $4,626 7.55%
    $150k-250k 1,706 $451,910,000 $264,894 $4,689 7.51%
    $50k or less 1,445 $132,735,000 $91,858 $3,756 7.30%
    $250k+ 1,188 $550,960,000 $463,771 $4,847 7.10%

    Arvest Bank lent most frequently to those with incomes in the $100k-150k range, with 2,344 originations. The second most popular income band? $50k-75k, with 2,125 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,410 $452,680,000 $187,834 $4,072 7.51%
    30-36% 2,193 $409,685,000 $186,815 $3,950 7.67%
    <20% 990 $165,820,000 $167,495 $3,714 7.64%
    50-60% 573 $140,225,000 $244,721 $6,279 7.30%
    39% 517 $91,555,000 $177,089 $4,465 7.76%
    37% 502 $88,410,000 $176,116 $4,049 7.86%
    44% 430 $90,160,000 $209,674 $5,289 7.32%
    38% 420 $86,750,000 $206,548 $4,397 7.47%
    36% 406 $79,740,000 $196,404 $3,984 7.66%
    40% 390 $90,280,000 $231,487 $4,454 7.08%
    42% 385 $86,025,000 $223,442 $4,529 7.12%
    43% 348 $81,660,000 $234,655 $4,386 7.10%
    41% 309 $72,405,000 $234,320 $4,590 7.10%
    49% 276 $78,490,000 $284,384 $5,179 6.86%
    48% 254 $71,670,000 $282,165 $5,104 6.87%
    47% 243 $65,165,000 $268,169 $4,995 6.89%
    45% 240 $62,890,000 $262,042 $4,954 6.98%
    46% 210 $58,170,000 $277,000 $5,642 6.87%
    >60% 40 $10,520,000 $263,000 $3,004 8.24%

    Arvest Bank lent most frequently to those with DTI ratios of 20-30%, with 2,410 originations. The next most common DTI ratio? 30-36%, with 2,193 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,526 $1,661,280,000 $194,849 $4,385 7.45%
    Not applicable 1,060 $545,720,000 $514,830 $4,555 7.82%
    Not provided 1,480 $337,440,000 $228,000 $4,189 7.50%
    Asian 273 $83,635,000 $306,355 $4,999 6.93%
    Black 356 $67,790,000 $190,421 $5,140 7.53%
    American Indian 246 $37,410,000 $152,073 $5,461 7.58%
    Other Asian 12 $6,220,000 $518,333 $3,895 6.89%
    Asian Indian 9 $3,555,000 $395,000 $3,983 7.18%
    Native Hawaiian or Islander 21 $3,365,000 $160,238 $5,948 6.91%
    Japanese 2 $890,000 $445,000 $4,696 6.44%
    Other Pacific Islander 4 $680,000 $170,000 $4,731 8.59%
    Samoan 1 $525,000 $525,000 $3,856 7.63%
    Vietnamese 3 $485,000 $161,667 $0 8.01%
    Korean 1 $395,000 $395,000 $0 8.25%
    Filipino 1 $255,000 $255,000 $0 7.50%
    Chinese 1 $155,000 $155,000 $0 8.50%
    1 $65,000 $65,000 $0 7.75%

    Approval Rates

    Total approvals of all applications
    78.03%

    Arvest Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    72.72%

    Arvest Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 11,997 $2,749,865,000 $229,213

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    11,997 $2,749,865,000 $229,213

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,011 $212,555,000 $105,696 $2,778 8.47%
    40-60% 1,211 $307,075,000 $253,571 $4,260 7.39%
    60-80% 2,506 $784,760,000 $313,152 $4,625 7.01%
    80-100% 3,940 $1,163,760,000 $295,371 $5,028 6.73%
    Over 100% 260 $160,720,000 $618,154 $5,979 6.31%
    Under 20% 2,049 $115,475,000 $56,357 $785 8.75%