# Arvest Bank

> **Canonical URL:** https://saferate.com/lenders/arvest-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Arvest Bank is a bank, headquartered in Fayetteville, AR, serving borrowers nationwide, with 6,074 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** COINQMNIM6RBU631DD85
- **Headquarters:** Fayetteville, AR
- **Geographic Reach:** National
- **States Served:** 43
- **State List:** AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV
- **Markets (MSAs):** 20
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.324%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,690
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,074
- **Dollar Volume:** $1.9 billion
- **Applications Received:** 9,243
- **Market Share:** 17.00%

## Typical Borrower Profile

- **Average Loan Amount:** $311,093
- **Average Borrower Income:** $152,381
- **Average Property Value:** $388,478

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 88/100 | 4,391 | +0.311% | $1,694 | Exceptional 🤩 |
| FHA | 85/100 | 1,021 | +0.532% | $1,866 | Exceptional 🤩 |
| VA | 80/100 | 294 | -0.196% | $995 | Exceptional 🤩 |
| Jumbo | 86/100 | 236 | +0.093% | $1,371 | Exceptional 🤩 |
| USDA | 88/100 | 132 | +0.498% | $2,029 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,500 loans, Score: 87/100 (Exceptional)
- Refinance: 891 loans, Score: 85/100 (Exceptional)

**FHA:**
- Purchase: 858 loans, Score: 84/100 (Exceptional)
- Refinance: 163 loans, Score: 81/100 (Exceptional)

**VA:**
- Purchase: 229 loans, Score: 79/100 (Strong)
- Refinance: 65 loans, Score: 80/100 (Strong)

**Jumbo:**
- Purchase: 216 loans, Score: 87/100 (Exceptional)
- Refinance: 20 loans, Score: 52/100 (Sound)

**USDA:**
- Purchase: 132 loans, Score: 88/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 4,935 | $1.6B | +0.328% | Exceptional 🤩 |
| Refinance | 85/100 | 1,139 | $294M | +0.310% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 2,687 | 8.34% | 100/100 |
| OK | 1,513 | 3.67% | 93/100 |
| MO | 1,046 | 1.40% | 83/100 |
| KS | 389 | 1.30% | 84/100 |
| TX | 51 | 0.01% | 45/100 |
| FL | 46 | 0.02% | 44/100 |
| CA | 28 | 0.01% | 41/100 |
| TN | 25 | 0.03% | 43/100 |
| IL | 24 | 0.02% | 43/100 |
| NC | 21 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,332 | 79/100 |
| Fayetteville | AR | 1,176 | 100/100 |
| Tulsa, OK | OK | 645 | 88/100 |
| Kansas City, MO | MO-KS | 582 | 82/100 |
| Little Rock | AR | 532 | 99/100 |
| Oklahoma City, OK | OK | 321 | 82/100 |
| Fort Smith, AR | AR-OK | 287 | 89/100 |
| Springfield, MO | MO | 235 | 86/100 |
| Joplin, MO | MO-KS | 227 | 81/100 |
| Jonesboro, AR | AR | 109 | 100/100 |
| St. Louis, MO | MO-IL | 68 | 59/100 |
| Lawton, OK | OK | 66 | 76/100 |
| Hot Springs, AR | AR | 60 | 86/100 |
| Wichita, KS | KS | 22 | 49/100 |
| Dallas | TX | 16 | 40/100 |

## Where This Lender Ranks

Arvest Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Arkansas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Fayetteville for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Tulsa, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Little Rock for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Springfield, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Joplin, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Joplin, MO for VA Loans
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Joplin, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Hot Springs, AR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Arkansas for VA Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Oklahoma for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Fayetteville for VA Loans
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Fayetteville for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Tulsa, OK for VA Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Little Rock for Jumbo Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Little Rock for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Fort Smith, AR for VA Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Fort Smith, AR for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Fort Smith, AR for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Springfield, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Arvest Bank offer?

Arvest Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Arvest Bank offer mortgages?

Arvest Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Arvest Bank's mortgage rates?

Arvest Bank has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.324% above market average.

### What type of lender is Arvest Bank?

Arvest Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fayetteville, AR.

### What is Arvest Bank's loan approval success rate?

Arvest Bank has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/arvest-bank

### How to Cite

> "Arvest Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/arvest-bank

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