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Arvest Bank in Oklahoma

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

LEI COINQMNIM6RBU631DD85
Reporting agency Consumer Financial Protection Bureau
State Oklahoma

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.

In Oklahoma, Arvest Bank reported 5,406 applications and 3,354 originations for 2024, $692m in all.

Its denial rate in the state was 22.6%, close to the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 19.8%.

The median rate spread on its Oklahoma originations was 0.6 percentage points (state median 0.5).

Applications in the state were down 6% on 2023.

5,406applications in OK, 202427.0% of the lender's total
3,354loans originated$692m
22.6%denial rateOK all lenders 23.4%
0.6 ppmedian rate spreadOK 0.5 pp

Compared with the state and the lender's national record

MeasureIn OklahomaOklahoma, all lendersArvest Bank, all statesUnited States
Denial rate22.6%23.4%19.8%24.3%
Median rate spread, pp0.60.50.50.3
Originations with spread of 1.5 pp or more15.0%17.5%11.7%15.6%
Average originated loan$206k$223k$238k$329k
Home purchase share52.6%63.6%51.4%57.0%
FHA-insured share10.0%17.1%8.6%13.4%
VA-guaranteed share3.1%11.9%2.7%7.9%

Trend by year

ApplicationsOriginations

03571.57,1432022: 7,143 Applications2023: 5,762 Applications2024: 5,406 Applications2022: 4,321 Originations2023: 3,283 Originations2024: 3,354 Originations202220232024
Arvest Bank in Oklahoma: applications and originations, 2022–2024

This lender in stateOklahoma, all lenders

0%14.6%29.2%2022: 26.6% This lender in state2023: 29.2% This lender in state2024: 22.6% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Oklahoma

By purpose

Home purchase 53% (1,765)Home improvement 19% (653)Refinancing 10% (324)Cash-out refinancing 5% (177)Other purpose 13% (435)

By type

Conventional 86% (2,870)FHA 10% (337)VA 3% (103)USDA 1% (44)

Denial reasons as coded

Debt-to-income ratio41.1%
Credit history35.3%
Collateral13.6%
Unverifiable information4.3%
Other2.6%
Employment history2.5%
Credit application incomplete0.7%
Insufficient cash (downpayment, closing costs)0%
Mortgage insurance denied0%

Share of 1,001 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).

Counties in Oklahoma

CountyApplicationsOriginationsAmountDenial rate
Tulsa County1,622997$239m24.9%
Oklahoma County501332$94m15.9%
Comanche County278201$27m16.8%
Wagoner County323187$39m25.9%
Washington County204129$16m24.4%
Cleveland County211125$26m22.3%
Stephens County153121$15m9.4%
Rogers County172112$30m16.3%
Cherokee County158106$20m12.4%
Ottawa County13582$9.9m22.9%
Creek County13175$16m27.6%
Le Flore County12774$9.9m28.2%
Pittsburg County12172$12m23.7%
Canadian County11170$19m23.7%
Delaware County14669$13m36.1%
Mayes County11769$9.2m21.1%
Muskogee County9155$6.1m22.5%
Adair County8552$7.8m26.8%
Grady County8050$6.5m24.6%
Pottawatomie County7647$9.6m17.5%
Sequoyah County6741$4.6m21.8%
Osage County7038$9.7m25.0%
McIntosh County5737$4.8m24.5%
Payne County3628$5.7m9.7%
Logan County4227$5.5m20.0%
Okmulgee County5519$2.5m52.4%
McClain County3019$6.0m—
Nowata County3316$1.4m40.7%

Counties with at least 25 applications, by originations.

Questions and answers

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

3,354 loans totalling $692m, from 5,406 applications reported for properties in Oklahoma.

What is Arvest Bank's denial rate in Oklahoma?

22.6% of decided applications in Oklahoma were denied, against 23.4% 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 Oklahoma counties does Arvest Bank lend in most?

By originations: Tulsa County (997), Oklahoma County (332), Comanche County (201), Wagoner County (187), Washington County (129).

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 Oklahoma. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.