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Arvest Bank
Bank|Fayetteville, AR|National
Loans Originated
6,074
Applications
9,243
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.324%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,690
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
Arvest Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 20 metro areas · 43 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$311,093
Average Borrower Income
$152,381
Average Property Value
$388,478
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 4,391 | 72.3% | +0.311% | $1,694 |
FHA Loans | Strong | Exceptional | Sound | Strong | 1,021 | 16.8% | +0.532% | $1,866 |
VA Loans | Strong | Exceptional | Strong | Strong | 294 | 4.8% | -0.196% | $995 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 236 | 3.9% | +0.093% | $1,371 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 132 | 2.2% | +0.498% | $2,029 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 4,935 | 81.2% | +0.328% | $1,598 |
Refinance | Strong | Exceptional | Sound | Strong | 1,139 | 18.8% | +0.310% | $2,027 |
Geographic Coverage
Metro Areas
19
States Served
43
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Fayetteville, ARMSA
Volume: 1,176Mix: 19.36%
Place Specialization
Exceptional
2
Jonesboro, AR, ARMSA
Volume: 109Mix: 1.79%
Place Specialization
Exceptional
3
Little Rock, ARMSA
Volume: 532Mix: 8.76%
Place Specialization
Exceptional
4
Fort Smith, AR, AR-OKMSA
Volume: 287Mix: 4.73%
Place Specialization
Exceptional
5
Tulsa, OK, OKMSA
Volume: 645Mix: 10.62%
Place Specialization
Exceptional
6
Hot Springs, AR, ARMSA
Volume: 60Mix: 0.99%
Place Specialization
Exceptional
7
Springfield, MO, MOMSA
Volume: 235Mix: 3.87%
Place Specialization
Exceptional
8
Oklahoma City, OK, OKMSA
Volume: 321Mix: 5.28%
Place Specialization
Exceptional
9
Kansas City, MO, MO-KSMSA
Volume: 582Mix: 9.58%
Place Specialization
Exceptional
10
Joplin, MO, MO-KSMSA
Volume: 227Mix: 3.74%
Place Specialization
Exceptional
Showing 10 of 19 metro areas
Top States by Place Specialization Score
1
ARState
Volume: 2,687Mix: 44.24%
Place Specialization
Exceptional
2
OKState
Volume: 1,513Mix: 24.91%
Place Specialization
Exceptional
3
KSState
Volume: 389Mix: 6.40%
Place Specialization
Exceptional
4
MOState
Volume: 1,046Mix: 17.22%
Place Specialization
Exceptional
5
TXState
Volume: 51Mix: 0.84%
Place Specialization
Sound
6
FLState
Volume: 46Mix: 0.76%
Place Specialization
Sound
7
TNState
Volume: 25Mix: 0.41%
Place Specialization
Sound
8
ILState
Volume: 24Mix: 0.40%
Place Specialization
Sound
9
CAState
Volume: 28Mix: 0.46%
Place Specialization
Sound
10
NCState
Volume: 21Mix: 0.35%
Place Specialization
Sound
Showing 10 of 22 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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