Applications / Mortgage Analytics / Lenders / Arkansas / Arvest Bank
Fayetteville, AR · State member bank · FRS · $27.8 billion assets · 13,366 loans in 2025
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13,366
loans originated, 2025
20,368
applications, 2025
44
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arvest Bank ranks first or second in its Arkansas and Tulsa markets, but in 2025 its share fell in Tulsa and Little Rock as its lending grew more slowly than similar banks'.
Its share fell in Tulsa, to 5.6% from 7.2%, and in Little Rock, where it still ranks first. Arvest Bank's total lending still rose, so faster growth by competitors in those markets, rather than a pullback, could explain the lower shares.
Originations rose 3% to 13,366, while similar lenders (state member banks making between half and twice as many loans) rose 10%, as did the whole market; its growth was lower than about seven in ten of them. It makes about half the loans it made in 2020.
Its typical loan was $165,000 against $205,000 for similar lenders, and its typical rate, 6.88% against 6.69%, was higher than about seven in ten of them. Higher-priced loans (a rate well above the average for similar loans) were 3.3% against 1.9%. Smaller loans, more RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service), 1.1% against 0.7%, and more manufactured homes, 2.0% against 0.6%, could explain the higher pricing.
10.1% of its loans were in majority-minority tracts against 16.9%, lower than about four in five similar lenders, which may reflect the Arkansas and Oklahoma markets it serves.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arvest Bank took 20,368 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.3% · Refinance 21.4% · Home improvement 17.3% · Other 12.0%
Conventional 87.4% · FHA 8.5% · VA 3.0% · USDA (RHS or FSA) 1.1% · of 13,366 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 6,558 | 49.1% |
| Oklahoma | 3,409 | 25.5% |
| Missouri | 2,139 | 16.0% |
| Kansas | 735 | 5.5% |
| Texas | 71 | 0.5% |
| Florida | 46 | 0.3% |
| California | 32 | 0.2% |
| Indiana | 27 | 0.2% |
| North Carolina | 26 | 0.2% |
| Tennessee | 26 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 3,316 |
| Tulsa | 1,337 |
| Kansas City | 1,146 |
| Little Rock-North Little Rock-Conway | 1,144 |
| Oklahoma City | 693 |
| Fort Smith | 545 |
| Joplin | 482 |
| Springfield | 465 |
| Jonesboro | 243 |
| Hot Springs | 205 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | COINQMNIM6RBU631DD85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 311845 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38728 | 1990–1995 |
| Respondent ID (the HMDA filer code before 2018) | 2311845 | 1996–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9311845 | 2011–2017 |
Established 1 January 1871. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Arvest Bank's data.
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