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Arvest Bank in Arkansas

HMDA record for properties in Arkansas, calendar year 2024. National record · Arkansas overview

LEI COINQMNIM6RBU631DD85
Reporting agency Consumer Financial Protection Bureau
State Arkansas

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Arvest Bank's 2024 HMDA record for Arkansas covers 9,587 applications, 6,399 of them originated, worth $1.4bn.

Its denial rate in the state was 19.1%, below the Arkansas rate of 25.0% across all lenders and compared with the lender's national rate of 19.8%.

The median rate spread on its Arkansas originations was 0.5 percentage points (state median 0.4).

Applications in the state were about level with 2023.

9,587applications in AR, 202447.8% of the lender's total
6,399loans originated$1.4bn
19.1%denial rateAR all lenders 25.0%
0.5 ppmedian rate spreadAR 0.4 pp

Compared with the state and the lender's national record

MeasureIn ArkansasArkansas, all lendersArvest Bank, all statesUnited States
Denial rate19.1%25.0%19.8%24.3%
Median rate spread, pp0.50.40.50.3
Originations with spread of 1.5 pp or more11.3%17.6%11.7%15.6%
Average originated loan$220k$220k$238k$329k
Home purchase share48.5%60.8%51.4%57.0%
FHA-insured share8.3%15.3%8.6%13.4%
VA-guaranteed share2.5%9.5%2.7%7.9%

Trend by year

ApplicationsOriginations

06253.512,5072022: 12,507 Applications2023: 9,487 Applications2024: 9,587 Applications2022: 7,953 Originations2023: 5,760 Originations2024: 6,399 Originations202220232024
Arvest Bank in Arkansas: applications and originations, 2022–2024

This lender in stateArkansas, all lenders

0%13.3%26.7%2022: 23.7% This lender in state2023: 25.7% This lender in state2024: 19.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Arkansas

By purpose

Home purchase 49% (3,106)Home improvement 19% (1,191)Refinancing 12% (754)Cash-out refinancing 6% (361)Other purpose 15% (987)

By type

Conventional 88% (5,636)FHA 8% (528)VA 3% (160)USDA 1% (75)

Denial reasons as coded

Debt-to-income ratio44.4%
Credit history33.2%
Collateral12.8%
Unverifiable information4.2%
Other2.7%
Employment history2.1%
Credit application incomplete0.6%
Insufficient cash (downpayment, closing costs)0%
Mortgage insurance denied0%

Share of 1,536 denials in Arkansas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Arkansas

CountyApplicationsOriginationsAmountDenial rate
Benton County2,6321,790$462m17.2%
Washington County1,8061,246$409m18.9%
Pulaski County987652$141m19.6%
Sebastian County616408$70m18.6%
Pope County387248$36m21.7%
Saline County360237$39m19.6%
Craighead County276192$39m16.1%
Faulkner County269181$32m17.7%
Garland County280163$27m26.4%
Baxter County207154$28m13.7%
Crawford County229147$20m18.5%
Johnson County198144$20m14.1%
Madison County13691$15m22.3%
Carroll County11582$14m14.6%
Lonoke County13075$11m31.0%
Boone County12170$9.9m28.3%
Marion County9059$7.7m17.6%
Yell County7553$6.2m19.7%
Conway County8450$4.6m22.7%
Logan County5633$4.2m23.3%
Greene County4631$4.2m8.6%
Franklin County4231$3.8m11.1%
Polk County4826$2.8m17.6%
White County3625$4.6m16.1%
Poinsett County3519$4.6m26.9%
Hot Spring County3019$2.6m—
Scott County3214$1.6m40.0%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Arvest Bank originate in Arkansas in 2024?

6,399 loans totalling $1.4bn, from 9,587 applications reported for properties in Arkansas.

What is Arvest Bank's denial rate in Arkansas?

19.1% of decided applications in Arkansas were denied, against 25.0% for all lenders in the state and 19.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Arkansas counties does Arvest Bank lend in most?

By originations: Benton County (1,790), Washington County (1,246), Pulaski County (652), Sebastian County (408), Pope County (248).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Arkansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.