Arvest Bank mortgage approval rate & lending review
Arvest Bank decided 27,012 mortgage applications and funded 21,941 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Arvest Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Arvest Bank at a glance
Approval is 5.0 points above the 77.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 11,084 / 11,863 | 99% | $275K | 10,965 |
| Home improvement loans | 67% | 4,328 / 6,439 | 96% | $75K | 4,162 |
| Cash-out refinance | 76% | 1,593 / 2,086 | 98% | $195K | 1,560 |
| Refinance | 78% | 2,624 / 3,375 | 97% | $155K | 2,555 |
| Investment property purchase | 92% | 1,920 / 2,085 | 99% | $175K | 1,907 |
| Investment cash-out refinance | 62% | 95 / 154 | 95% | $155K | 90 |
| Investment refinance | 83% | 352 / 425 | 99% | $135K | 349 |
| Investment home improvement | 62% | 363 / 585 | 97% | $85K | 353 |
Arvest Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 83% | $225K | 14,728 | 12,051 |
| Oklahoma | 80% | $165K | 5,682 | 4,456 |
| Missouri | 84% | $255K | 3,566 | 2,955 |
| Kansas | 87% | $495K | 1,501 | 1,285 |
| Texas | 76% | $395K | 234 | 176 |
| Florida | 78% | $335K | 196 | 152 |
| California | 77% | $335K | 126 | 96 |
| Tennessee | 79% | $325K | 72 | 56 |
| North Carolina | 92% | $255K | 65 | 57 |
| Georgia | 77% | $355K | 62 | 48 |
| Illinois | 67% | $185K | 61 | 38 |
| Arizona | 82% | $235K | 60 | 49 |
| Indiana | 86% | $335K | 56 | 48 |
| Colorado | 75% | $325K | 51 | 37 |
| South Carolina | 76% | $315K | 51 | 38 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Arvest Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Benton County, AR | Mortgage lenders | 94% | 2,161 | 2,007 |
| Washington County, AR | Mortgage lenders | 94% | 1,386 | 1,282 |
| Tulsa County, OK | Mortgage lenders | 92% | 1,367 | 1,240 |
| Benton County, AR | Home improvement loans | 76% | 1,479 | 1,071 |
| Pulaski County, AR | Mortgage lenders | 94% | 892 | 819 |
| Washington County, AR | Home improvement loans | 74% | 1,018 | 723 |
| Johnson County, KS | Mortgage lenders | 98% | 674 | 657 |
| Benton County, AR | Refinance | 80% | 809 | 628 |
| Tulsa County, OK | Home improvement loans | 62% | 998 | 592 |
| Jackson County, MO | Mortgage lenders | 94% | 600 | 559 |
| Oklahoma County, OK | Mortgage lenders | 95% | 587 | 549 |
| Sebastian County, AR | Mortgage lenders | 91% | 584 | 524 |
The county markets where Arvest Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Arvest Bank
What is Arvest Bank's mortgage approval rate?
Arvest Bank approved 82.8% of the 27,012 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.0 points above the 77.7% national rate for the same mix of loan types.
How often do borrowers take the loan Arvest Bank offers?
Borrowers accepted 98% of the loans Arvest Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Arvest Bank make?
The typical home purchase mortgage loan Arvest Bank made was $275K; across all loan types its typical loan ran from $75K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Arvest Bank lend?
Arvest Bank decided applications in 45 of the states Fat Boy Data covers, most of them in Arkansas, Oklahoma and Missouri.
Can I apply to Arvest Bank directly?
Yes. Arvest Bank is a bank or credit union with 227 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Arvest Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Arvest Bank treats applications, then get a rate quote from the lender.