Arvest Bank Mortgage Rates, Fees & Info

Fayetteville, AR

LEI: COINQMNIM6RBU631DD85

Tax ID: 71-0118700

5 stars - Updated: 4/5/25 - out of 5 stars, based on 114 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Arvest Bank is a mid-sized 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, Kansas City, Tulsa, Little Rock, and Oklahoma City among others. We have data for 260 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 a low 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.

    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) 6.72% 4/5/25
    30 Year Conventional Purchase 6.98% 4/5/25
    30 Year Conventional Refi 6.86% 4/5/25
    30 Year Cash-out Refi 7.11% 4/5/25
    30 Year FHA Purchase 7.33% 4/5/25
    30 Year FHA Refi 6.87% 4/5/25
    30 Year VA Purchase 6.53% 4/5/25
    30 Year VA Refi 6.24% 4/5/25
    30 Year USDA Purchase 7.24% 4/5/25
    15 Year Conventional Purchase 6.47% 4/5/25
    15 Year Conventional Refi 6.56% 4/5/25
    15 Year Cash-out Refi 6.56% 4/5/25
    15 Year FHA Purchase 6.47% 4/5/25
    15 Year FHA Refi 7.17% 4/5/25
    15 Year VA Purchase 5.79% 4/5/25
    15 Year VA Refi 5.92% 4/5/25
    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

    12,946

    Origination Dollar Volume (All Markets)

    $3,087,390,000
    Show all (31) awards

    Relative Rate

    Arvest Bank's average 30 year fixed mortgage rate was 6.74%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.19%.

    Relative Fees (Closing Costs)

    Arvest Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,077.

    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 $8,356.

    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) 3,127 $886,405,000 $283,468 $4,553 7.82%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 954 $399,960,000 $419,245 $3,802 7.37%
    TULSA, OK (FHA|USDA|VA) 1,436 $338,030,000 $235,397 $5,753 7.90%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1,168 $225,700,000 $193,236 $4,475 7.75%
    Outside of Metro Areas 1,334 $200,120,000 $150,015 $4,546 7.76%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 630 $158,400,000 $251,429 $5,188 7.60%
    SPRINGFIELD, MO (FHA|USDA|VA) 455 $99,165,000 $217,945 $4,224 7.50%
    FORT SMITH, AR-OK (FHA|USDA|VA) 627 $99,025,000 $157,935 $4,399 7.67%
    JOPLIN, MO (FHA|USDA|VA) 438 $72,470,000 $165,457 $3,826 7.75%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 78 $51,920,000 $665,641 $4,547 6.89%
    JONESBORO, AR (FHA|USDA|VA) 211 $43,655,000 $206,896 $5,098 7.56%
    Russellville, AR (FHA|USDA|VA) 301 $42,385,000 $140,814 $3,780 7.69%
    Mountain Home, AR (FHA|USDA|VA) 154 $27,900,000 $181,169 $3,449 7.86%
    HOT SPRINGS, AR (FHA|USDA|VA) 163 $27,205,000 $166,902 $3,695 7.84%
    LAWTON, OK (FHA|USDA|VA) 206 $27,190,000 $131,990 $4,479 8.27%
    Tahlequah, OK (FHA|USDA|VA) 106 $19,690,000 $185,755 $5,219 7.47%
    Bartlesville, OK (FHA|USDA|VA) 129 $16,295,000 $126,318 $5,699 7.89%
    Duncan, OK (FHA|USDA|VA) 121 $15,165,000 $125,331 $4,880 7.96%
    Branson, MO (FHA|USDA|VA) 86 $13,450,000 $156,395 $4,070 7.63%
    McAlester, OK (FHA|USDA|VA) 72 $12,460,000 $173,056 $5,873 7.49%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 26 $11,930,000 $458,846 $7,605 6.79%
    Harrison, AR (FHA|USDA|VA) 73 $10,325,000 $141,438 $4,028 7.91%
    Miami, OK (FHA|USDA|VA) 82 $9,910,000 $120,854 $4,703 7.64%
    Shawnee, OK (FHA|USDA|VA) 47 $9,625,000 $204,787 $4,459 7.82%
    Ponca City, OK (FHA|USDA|VA) 6 $9,600,000 $1,600,000 $6,107 7.96%
    WICHITA, KS (FHA|USDA|VA) 27 $9,595,000 $355,370 $4,230 7.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 21 $8,225,000 $391,667 $5,775 6.45%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 17 $7,665,000 $450,882 $6,949 6.79%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 14 $7,400,000 $528,571 $9,459 6.37%
    NAPA, CA (FHA|USDA|VA) 2 $6,360,000 $3,180,000 $10,761 7.13%
    Pittsburg, KS (FHA|USDA|VA) 34 $6,100,000 $179,412 $5,075 7.62%
    Muskogee, OK (FHA|USDA|VA) 55 $6,075,000 $110,455 $4,428 7.97%
    Stillwater, OK (FHA|USDA|VA) 28 $5,700,000 $203,571 $5,632 7.86%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $4,830,000 $402,500 $5,056 6.71%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 9 $4,795,000 $532,778 $8,426 6.44%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $4,745,000 $316,333 $5,957 5.88%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $4,610,000 $384,167 $9,341 6.69%
    Searcy, AR (FHA|USDA|VA) 25 $4,605,000 $184,200 $6,100 7.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 13 $4,395,000 $338,077 $7,091 5.95%
    Paragould, AR (FHA|USDA|VA) 31 $4,225,000 $136,290 $4,334 7.54%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $3,975,000 $441,667 $9,245 5.88%
    COLUMBIA, MO (FHA|USDA|VA) 10 $3,870,000 $387,000 $2,908 6.55%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 6 $3,780,000 $630,000 $7,509 6.40%
    Lebanon, MO (FHA|USDA|VA) 23 $3,145,000 $136,739 $3,923 8.10%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $3,065,000 $340,556 $5,112 6.50%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 10 $3,060,000 $306,000 $6,803 6.79%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $3,030,000 $303,000 $7,024 5.80%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $2,840,000 $355,000 $5,901 6.88%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $2,700,000 $450,000 $3,274 6.69%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $2,640,000 $330,000 $8,671 6.58%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $2,630,000 $438,333 $9,299 6.08%
    Malvern, AR (FHA|USDA|VA) 19 $2,625,000 $138,158 $3,407 7.24%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $2,610,000 $435,000 $5,450 6.33%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 9 $2,535,000 $281,667 $4,143 6.56%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $2,495,000 $499,000 $5,587 7.15%
    LAWRENCE, KS (FHA|USDA|VA) 12 $2,490,000 $207,500 $3,432 7.89%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $2,460,000 $410,000 $5,539 6.63%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $2,425,000 $346,429 $7,357 6.50%
    TOPEKA, KS (FHA|USDA|VA) 9 $2,365,000 $262,778 $3,717 6.64%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $2,345,000 $469,000 $7,785 6.55%
    Ottawa, KS (FHA|USDA|VA) 15 $2,275,000 $151,667 $5,187 7.53%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $2,235,000 $447,000 $7,419 6.88%
    RALEIGH-CARY, NC (FHA|USDA|VA) 5 $2,215,000 $443,000 $3,706 6.18%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $2,110,000 $263,750 $9,615 6.31%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $2,060,000 $343,333 $5,548 6.52%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 7 $1,955,000 $279,286 $3,624 6.95%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,925,000 $385,000 $5,526 6.45%
    TUCSON, AZ (FHA|USDA|VA) 6 $1,890,000 $315,000 $8,347 6.46%
    Blytheville, AR (FHA|USDA|VA) 9 $1,815,000 $201,667 $4,197 7.34%
    PANAMA CITY, FL (FHA|USDA|VA) 5 $1,785,000 $357,000 $5,871 6.93%
    ST. GEORGE, UT (FHA|USDA|VA) 2 $1,770,000 $885,000 $4,475 7.06%
    Batesville, AR (FHA|USDA|VA) 8 $1,580,000 $197,500 $3,105 7.34%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,505,000 $301,000 $4,361 6.98%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,490,000 $745,000 $8,242 7.25%
    Warrensburg, MO (FHA|USDA|VA) 7 $1,365,000 $195,000 $6,500 7.89%
    JACKSONVILLE, FL (FHA|USDA|VA) 6 $1,350,000 $225,000 $5,598 6.83%
    SAVANNAH, GA (FHA|USDA|VA) 1 $1,345,000 $1,345,000 $0 7.99%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,345,000 $448,333 $8,169 6.46%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $1,325,000 $265,000 $4,803 6.08%
    KNOXVILLE, TN (FHA|USDA|VA) 4 $1,310,000 $327,500 $5,143 6.81%
    COLUMBUS, OH (FHA|USDA|VA) 3 $1,295,000 $431,667 $7,343 6.63%
    FRESNO, CA (FHA|USDA|VA) 4 $1,270,000 $317,500 $5,797 6.56%
    Starkville, MS (FHA|USDA|VA) 2 $1,250,000 $625,000 $5,966 7.13%
    Arkadelphia, AR (FHA|USDA|VA) 7 $1,185,000 $169,286 $3,787 7.50%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,025 6.97%
    PINE BLUFF, AR (FHA|USDA|VA) 7 $1,165,000 $166,429 $3,974 8.71%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $1,160,000 $580,000 $4,938 6.81%
    MANHATTAN, KS (FHA|USDA|VA) 4 $1,160,000 $290,000 $3,779 7.34%
    Ardmore, OK (FHA|USDA|VA) 4 $1,150,000 $287,500 $4,218 7.06%
    Rolla, MO (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $8,338 6.88%
    Sedalia, MO (FHA|USDA|VA) 5 $1,115,000 $223,000 $5,296 7.53%
    Coffeyville, KS (FHA|USDA|VA) 8 $1,050,000 $131,250 $4,011 8.12%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $1,050,000 $525,000 $3,557 6.38%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,025,000 $341,667 $10,238 6.46%
    GREELEY, CO (FHA|USDA|VA) 2 $1,020,000 $510,000 $12,835 5.50%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $1,010,000 $505,000 $6,817 6.06%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,010,000 $252,500 $5,232 6.56%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,010,000 $252,500 $6,811 6.75%
    Salina, KS (FHA|USDA|VA) 3 $975,000 $325,000 $2,405 6.50%
    BOWLING GREEN, KY (FHA|USDA|VA) 4 $960,000 $240,000 $5,883 6.81%
    BILLINGS, MT (FHA|USDA|VA) 1 $945,000 $945,000 $6,253 6.50%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 3 $945,000 $315,000 $7,480 6.92%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $920,000 $460,000 $4,343 6.56%
    URBAN HONOLULU, HI (FHA|USDA|VA) 2 $920,000 $460,000 $13,492 6.50%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $905,000 $905,000 $6,879 7.63%
    READING, PA (FHA|USDA|VA) 2 $870,000 $435,000 $9,621 6.38%
    Albertville, AL (FHA|USDA|VA) 2 $850,000 $425,000 $6,293 5.81%
    SIOUX FALLS, SD (FHA|USDA|VA) 4 $830,000 $207,500 $5,219 5.78%
    Gainesville, TX (FHA|USDA|VA) 2 $820,000 $410,000 $9,645 6.75%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $795,000 $265,000 $4,676 9.29%
    TUSCALOOSA, AL (FHA|USDA|VA) 3 $795,000 $265,000 $5,451 6.58%
    Edwards, CO (FHA|USDA|VA) 1 $745,000 $745,000 $4,002 6.50%
    Seneca, SC (FHA|USDA|VA) 1 $735,000 $735,000 $8,297 6.63%
    West Plains, MO (FHA|USDA|VA) 7 $725,000 $103,571 $3,677 7.38%
    Fort Leonard Wood, MO (FHA|USDA|VA) 4 $720,000 $180,000 $4,923 7.22%
    Paris, TX (FHA|USDA|VA) 1 $715,000 $715,000 $7,005 6.00%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $715,000 $238,333 $5,039 6.67%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $685,000 $228,333 $4,582 7.38%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $675,000 $675,000 $4,375 7.25%
    MADISON, WI (FHA|USDA|VA) 2 $660,000 $330,000 $5,722 7.69%
    BURLINGTON, NC (FHA|USDA|VA) 2 $640,000 $320,000 $8,620 6.50%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $635,000 $635,000 $10,864 6.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $615,000 $615,000 $10,614 7.13%
    Poplar Bluff, MO (FHA|USDA|VA) 2 $610,000 $305,000 $4,852 6.75%
    Ada, OK (FHA|USDA|VA) 2 $610,000 $305,000 $5,777 6.81%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $605,000 $605,000 $6,841 7.00%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $575,000 $575,000 $13,664 5.50%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $575,000 $191,667 $4,333 7.17%
    MONTGOMERY, AL (FHA|USDA|VA) 3 $565,000 $188,333 $4,285 6.75%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $550,000 $275,000 $9,215 5.69%
    Freeport, IL (FHA|USDA|VA) 1 $545,000 $545,000 $10,083 6.88%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $545,000 $545,000 $5,819 7.50%
    Ukiah, CA (FHA|USDA|VA) 1 $535,000 $535,000 $13,481 5.88%
    Hutchinson, KS (FHA|USDA|VA) 2 $530,000 $265,000 $5,265 7.00%
    TEXARKANA, TX-AR (FHA|USDA|VA) 3 $525,000 $175,000 $7,309 7.30%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $515,000 $515,000 $4,981 6.75%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $515,000 $515,000 $9,548 5.88%
    Durango, CO (FHA|USDA|VA) 1 $505,000 $505,000 $3,479 7.13%
    SALEM, OR (FHA|USDA|VA) 1 $495,000 $495,000 $9,071 7.50%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $495,000 $495,000 $9,591 6.63%
    ALBUQUERQUE, NM (FHA|USDA|VA) 2 $490,000 $245,000 $3,822 6.38%
    Jefferson, GA (FHA|USDA|VA) 1 $475,000 $475,000 $4,593 7.13%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $470,000 $235,000 $6,140 6.44%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $465,000 $465,000 $0 6.63%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $455,000 $455,000 $7,863 6.50%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $455,000 $455,000 $7,180 5.75%
    Elk City, OK (FHA|USDA|VA) 3 $455,000 $151,667 $9,745 7.29%
    ENID, OK (FHA|USDA|VA) 3 $445,000 $148,333 $4,374 7.79%
    BOISE CITY, ID (FHA|USDA|VA) 1 $445,000 $445,000 $17,176 6.00%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $430,000 $215,000 $7,350 5.69%
    McPherson, KS (FHA|USDA|VA) 1 $425,000 $425,000 $4,169 6.75%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $405,000 $405,000 $19,520 5.75%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $405,000 $405,000 $0 6.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $405,000 $405,000 $16,514 5.50%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $400,000 $200,000 $4,892 7.38%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $400,000 $200,000 $8,661 5.88%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $395,000 $395,000 $7,105 6.88%
    Kirksville, MO (FHA|USDA|VA) 1 $395,000 $395,000 $2,821 6.75%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $385,000 $128,333 $3,616 4.79%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $380,000 $190,000 $6,672 7.56%
    Durant, OK (FHA|USDA|VA) 2 $370,000 $185,000 $5,586 6.19%
    CARSON CITY, NV (FHA|USDA|VA) 1 $365,000 $365,000 $4,688 5.88%
    LUBBOCK, TX (FHA|USDA|VA) 1 $365,000 $365,000 $10,761 6.00%
    Charleston-Mattoon, IL (FHA|USDA|VA) 3 $365,000 $121,667 $3,958 6.50%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $355,000 $355,000 $10,742 6.50%
    Altus, OK (FHA|USDA|VA) 5 $345,000 $69,000 $6,763 7.45%
    Traverse City, MI (FHA|USDA|VA) 1 $345,000 $345,000 $5,794 6.63%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $345,000 $345,000 $7,466 6.38%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $335,000 $335,000 $5,484 6.50%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $335,000 $335,000 $3,184 7.00%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $335,000 $335,000 $5,308 6.88%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $325,000 $325,000 $5,709 7.63%
    WILMINGTON, NC (FHA|USDA|VA) 1 $325,000 $325,000 $2,815 6.63%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $315,000 $315,000 $5,682 6.88%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $315,000 $315,000 $7,244 6.38%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $315,000 $315,000 $7,466 6.38%
    Parsons, KS (FHA|USDA|VA) 4 $310,000 $77,500 $5,170 7.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $305,000 $305,000 $3,986 6.50%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $305,000 $305,000 $4,294 6.75%
    Holland, MI (FHA|USDA|VA) 1 $305,000 $305,000 $3,421 7.00%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $305,000 $305,000 $4,408 6.63%
    DECATUR, AL (FHA|USDA|VA) 1 $285,000 $285,000 $3,037 6.13%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $285,000 $285,000 $9,687 7.38%
    Bluffton, IN (FHA|USDA|VA) 1 $285,000 $285,000 $393 5.75%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $275,000 $275,000 $6,613 6.13%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $275,000 $275,000 $3,370 6.50%
    VALLEJO, CA (FHA|USDA|VA) 2 $270,000 $135,000 $4,646 6.63%
    OCALA, FL (FHA|USDA|VA) 1 $265,000 $265,000 $8,180 6.38%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $265,000 $265,000 $4,156 6.50%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $14,138 5.50%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $255,000 $255,000 $9,206 5.88%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $255,000 $255,000 $5,091 7.00%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $245,000 $245,000 $2,102 7.00%
    Norfolk, NE (FHA|USDA|VA) 1 $245,000 $245,000 $3,219 7.13%
    Tupelo, MS (FHA|USDA|VA) 1 $245,000 $245,000 $5,890 6.63%
    Watertown, SD (FHA|USDA|VA) 1 $245,000 $245,000 $4,093 6.88%
    Forrest City, AR (FHA|USDA|VA) 4 $240,000 $60,000 $3,438 6.41%
    Picayune, MS (FHA|USDA|VA) 1 $235,000 $235,000 $3,829 7.00%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $4,791 7.00%
    JACKSON, TN (FHA|USDA|VA) 1 $235,000 $235,000 $8,449 6.00%
    Dodge City, KS (FHA|USDA|VA) 1 $225,000 $225,000 $3,422 6.50%
    FLINT, MI (FHA|USDA|VA) 1 $225,000 $225,000 $7,824 6.63%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,726 8.00%
    Vincennes, IN (FHA|USDA|VA) 2 $210,000 $105,000 $5,235 6.44%
    Decatur, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,848 7.13%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,968 6.63%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $8,431 5.88%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $195,000 $195,000 $3,562 7.13%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $195,000 $195,000 $6,899 6.50%
    Jasper, IN (FHA|USDA|VA) 2 $190,000 $95,000 $4,958 6.44%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $190,000 $95,000 $3,707 5.88%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $7,646 6.50%
    Hutchinson, MN (FHA|USDA|VA) 1 $185,000 $185,000 $6,584 6.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,406 7.13%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $185,000 $185,000 $9,116 6.50%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $185,000 $185,000 $6,328 6.88%
    APPLETON, WI (FHA|USDA|VA) 1 $185,000 $185,000 $3,164 7.25%
    PUEBLO, CO (FHA|USDA|VA) 1 $175,000 $175,000 $6,661 6.63%
    DOTHAN, AL (FHA|USDA|VA) 1 $175,000 $175,000 $7,468 6.88%
    Atchison, KS (FHA|USDA|VA) 1 $175,000 $175,000 $5,719 6.50%
    Ontario, OR-ID (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.63%
    Jacksonville, IL (FHA|USDA|VA) 1 $175,000 $175,000 $6,812 6.25%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.50%
    Outside of Metro Areas 1 $165,000 $165,000 $0 5.25%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $155,000 $155,000 $5,735 7.63%
    Hope, AR (FHA|USDA|VA) 1 $155,000 $155,000 $3,817 6.13%
    Greeneville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $7,510 6.88%
    Heber, UT (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.25%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $145,000 $145,000 $6,368 5.88%
    Danville, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,989 7.00%
    WACO, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,091 6.63%
    Lake City, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,199 6.50%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $130,000 $65,000 $0 8.00%
    Ozark, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,334 7.50%
    Marshall, MN (FHA|USDA|VA) 1 $125,000 $125,000 $6,797 5.88%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,526 6.00%
    Ruston, LA (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.50%
    Pella, IA (FHA|USDA|VA) 1 $125,000 $125,000 $3,999 7.50%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $125,000 $125,000 $1,959 6.50%
    ABILENE, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,910 7.25%
    El Dorado, AR (FHA|USDA|VA) 1 $115,000 $115,000 $5,571 6.88%
    Elizabeth City, NC (FHA|USDA|VA) 1 $115,000 $115,000 $3,391 5.88%
    ERIE, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.25%
    Pottsville, PA (FHA|USDA|VA) 1 $115,000 $115,000 $6,466 6.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,074 7.38%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $5,425 7.50%
    Burlington, IA-IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,708 7.50%
    PEORIA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,851 6.38%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $105,000 $105,000 $4,103 6.63%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $95,000 $95,000 $3,693 6.88%
    Vicksburg, MS (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.63%
    Sikeston, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.75%
    Quincy, IL-MO (FHA|USDA|VA) 1 $85,000 $85,000 $4,571 6.38%
    MISSOULA, MT (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $85,000 $85,000 $3,494 5.50%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.25%
    Helena-West Helena, AR (FHA|USDA|VA) 1 $75,000 $75,000 $3,873 7.38%
    DuBois, PA (FHA|USDA|VA) 1 $75,000 $75,000 $3,934 6.50%
    Angola, IN (FHA|USDA|VA) 1 $55,000 $55,000 $2,723 7.00%
    Emporia, KS (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.50%
    Arvest Bank's top markets include Fayetteville, Kansas City, Tulsa, 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)
  • (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,090 $2,251,970,000 $317,626 $4,010 7.11%
    HELOC 4,258 $466,670,000 $109,598 n/a 9.10%
    FHA 1,112 $242,780,000 $218,327 $8,136 6.45%
    VA 348 $103,360,000 $297,011 $5,150 6.26%
    USDA 138 $22,610,000 $163,841 $5,689 6.57%

    For 2024, Arvest Bank's most frequently originated type of loan was Conventional, with 7,090 originations. Their 2nd most popular type was HELOC, with 4,258 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,651 $2,209,115,000 $332,148 $4,852 6.94%
    Home Improvement 2,251 $217,075,000 $96,435 $2,414 8.94%
    Other 1,786 $155,230,000 $86,915 $2,351 9.05%
    Refi 1,362 $316,980,000 $232,731 $4,654 7.99%
    Cash Out Refi 896 $188,990,000 $210,926 $5,173 6.80%

    For 2024, Arvest Bank's most frequently cited loan purpose was Home Purchase, with 6,651 originations. The 2nd most popular reason was Home Improvement, with 2,251 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,629 $2,037,795,000 $307,406 $5,077 6.74%
    Other 4,465 $551,775,000 $123,578 $1,923 9.04%
    15 Year 473 $86,295,000 $182,442 $3,866 7.22%
    20 Year 409 $67,415,000 $164,829 $2,874 8.14%
    5 Year 319 $196,815,000 $616,975 $1,142 8.05%
    10 Year 307 $15,605,000 $50,831 $978 7.12%
    1 Year 189 $39,895,000 $211,085 $1,643 8.72%
    3 Year 151 $91,285,000 $604,536 $1,118 7.93%
    30+ year 4 $510,000 $127,500 $0 4.94%

    For 2024, Arvest Bank's most frequently cited loan duration was 30 Year, with 6,629 originations. The 2nd most popular length was Other, with 4,465 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,310 $1,382,650,000 $320,800
    $2k-3k 1,098 $267,780,000 $243,880
    $<1k 1,000 $148,240,000 $148,240
    $3k-4k 468 $124,360,000 $265,726
    $5k+ 360 $142,100,000 $394,722
    $4k-5k 241 $70,705,000 $293,382

    Arvest Bank's average total fees were $5,077, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,310 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 4,949 $1,583,765,000 $320,017
    Over 8% 4,822 $487,680,000 $101,136
    7-8% 2,195 $745,675,000 $339,715
    5-6% 907 $257,315,000 $283,699
    4-5% 29 $7,055,000 $243,276
    3-4% 20 $3,640,000 $182,000
    <2.5% 16 $770,000 $48,125
    2.5-3% 8 $1,490,000 $186,250

    During 2024, Arvest Bank's average interest rate for loans was 6.74%, while their most frequently originated rate bucket for loans was 6-7%, with 4,949 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 4,401 $241,935,000 $54,973 $2,417 8.72%
    $200k-400k 3,368 $940,820,000 $279,341 $5,369 6.97%
    $100k-200k 3,333 $479,855,000 $143,971 $4,608 7.53%
    $400k-600k 1,092 $525,170,000 $480,925 $5,452 6.74%
    $600k-1MM 566 $415,190,000 $733,551 $5,094 6.78%
    $1MM+ 186 $484,420,000 $2,604,409 $5,960 7.03%

    2024 saw Arvest Bank place emphasis on $100,000 or less loans with 4,401 originations, totaling $241,935,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,435 $474,195,000 $194,741 $5,063 7.82%
    $50k-75k 2,189 $292,985,000 $133,844 $4,631 7.64%
    $150k-250k 2,007 $540,865,000 $269,489 $4,998 7.74%
    $75k-100k 1,817 $274,425,000 $151,032 $4,924 7.79%
    $250k+ 1,470 $720,650,000 $490,238 $4,800 7.36%
    $50k or less 1,405 $129,335,000 $92,053 $3,945 7.58%

    Arvest Bank lent most frequently to those with incomes in the $100k-150k range, with 2,435 originations. The second most popular income band? $50k-75k, with 2,189 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,524 $508,430,000 $201,438 $4,245 7.78%
    30-36% 2,324 $502,180,000 $216,084 $4,446 7.74%
    <20% 1,061 $204,405,000 $192,653 $4,138 7.87%
    50-60% 773 $180,555,000 $233,577 $6,629 7.59%
    39% 537 $103,855,000 $193,399 $4,757 7.95%
    37% 519 $96,255,000 $185,462 $4,534 8.15%
    36% 442 $95,890,000 $216,946 $4,518 7.90%
    44% 438 $95,840,000 $218,813 $5,248 7.61%
    38% 422 $90,720,000 $214,976 $4,408 7.71%
    40% 414 $94,700,000 $228,744 $4,642 7.39%
    42% 387 $94,345,000 $243,786 $4,531 7.30%
    41% 377 $80,775,000 $214,257 $4,596 7.43%
    49% 355 $102,205,000 $287,901 $5,164 7.00%
    43% 348 $84,780,000 $243,621 $5,113 7.33%
    45% 291 $76,115,000 $261,564 $4,873 7.16%
    48% 278 $77,150,000 $277,518 $4,917 7.15%
    47% 278 $75,410,000 $271,259 $5,625 7.20%
    46% 219 $63,145,000 $288,333 $5,138 7.05%
    >60% 68 $17,080,000 $251,176 $2,464 8.33%

    Arvest Bank lent most frequently to those with DTI ratios of 20-30%, with 2,524 originations. The next most common DTI ratio? 30-36%, with 2,324 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,181 $1,885,955,000 $205,419 $4,670 7.65%
    Not applicable 1,135 $559,885,000 $493,291 $4,839 8.04%
    Not provided 1,647 $422,405,000 $256,469 $4,443 7.71%
    Asian 305 $92,465,000 $303,164 $5,216 7.14%
    Black 359 $69,875,000 $194,638 $5,092 7.62%
    American Indian 267 $45,395,000 $170,019 $5,897 7.65%
    Asian Indian 13 $3,475,000 $267,308 $4,814 7.61%
    Other Asian 4 $1,940,000 $485,000 $4,059 7.28%
    Native Hawaiian or Islander 18 $1,900,000 $105,556 $3,035 8.32%
    Guamanian 3 $1,155,000 $385,000 $4,236 7.21%
    Vietnamese 4 $1,080,000 $270,000 $5,190 8.13%
    Korean 2 $780,000 $390,000 $5,921 7.63%
    Chinese 1 $585,000 $585,000 $13,292 5.25%
    Filipino 3 $275,000 $91,667 $2,610 8.79%
    Other Pacific Islander 3 $195,000 $65,000 $1,254 9.38%
    Native Hawaiian 1 $25,000 $25,000 $0 8.75%

    Approval Rates

    Total approvals of all applications
    83.77%

    Arvest Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.24%

    Arvest Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 12,946 $3,087,390,000 $238,482

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    12,946 $3,087,390,000 $238,482

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,278 $251,260,000 $110,299 $3,135 8.75%
    40-60% 1,396 $359,530,000 $257,543 $4,328 7.70%
    60-80% 2,584 $884,160,000 $342,167 $4,669 7.18%
    80-100% 4,107 $1,268,645,000 $308,898 $5,371 6.83%
    Over 100% 346 $191,320,000 $552,948 $5,503 6.69%
    Under 20% 2,187 $117,155,000 $53,569 $1,059 8.91%