Arvest Bank Mortgage Lending & HMDA Data, 2012

In 2012, Arvest Bank of Tulsa, OK reported 7,717 mortgage applications totaling $481.2 million, up 26% from 2011. The average application was for $62,360, and applicants reported an average income of $86,609. 72% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Fayetteville-Springdale-Rogers, AR-MO (2,143), Tulsa, OK (1,411) and Oklahoma City, OK (630) (applications in parentheses).

Mortgage Company & Address Arvest Bank

Tulsa, OK 74103
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 7,717
Total Mortgage Loan Application Amount $481,234,000
Average Mortgage Loan Application Amount $62,360
Highest Mortgage Loan Application Amount $10,632,000
Average Applicant Income $86,609
Highest Applicant Income $6,426,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Arvest Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Arvest Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Tulsa, Oklahoma 1,028 $ 58,103,000 $ 56,520 $ 90,000
Benton, Arkansas 1,016 $ 61,991,000 $ 61,014 $ 100,000
Washington, Arkansas 866 $ 70,255,000 $ 81,125 $ 105,000
Pulaski, Arkansas 321 $ 36,327,000 $ 113,168 $ 106,000
Oklahoma, Oklahoma 317 $ 14,290,000 $ 45,078 $ 106,000
Sebastian, Arkansas 251 $ 16,734,000 $ 66,669 $ 76,000
Comanche, Oklahoma 218 $ 9,302,000 $ 42,669 $ 87,000
Madison, Arkansas 194 $ 7,795,000 $ 40,180 $ 50,000
Washington, Oklahoma 188 $ 7,395,000 $ 39,335 $ 66,000
Cleveland, Oklahoma 185 $ 7,900,000 $ 42,702 $ 85,000
Marion, Arkansas 132 $ 5,393,000 $ 40,856 $ 46,000
Wagoner, Oklahoma 129 $ 4,306,000 $ 33,379 $ 75,000
Saline, Arkansas 116 $ 6,174,000 $ 53,224 $ 65,000
Jackson, Missouri 111 $ 9,448,000 $ 85,117 $ 90,000
Crawford, Arkansas 99 $ 5,092,000 $ 51,434 $ 61,000
Jasper, Missouri 95 $ 7,586,000 $ 79,852 $ 73,000
Baxter, Arkansas 92 $ 5,134,000 $ 55,804 $ 62,000
Rogers, Oklahoma 89 $ 4,451,000 $ 50,011 $ 106,000
Le Flore, Oklahoma 84 $ 2,562,000 $ 30,500 $ 55,000
Pottawatomie, Oklahoma 84 $ 5,358,000 $ 63,785 $ 81,000
Carroll, Arkansas 73 $ 3,556,000 $ 48,712 $ 64,000
Newton, Missouri 68 $ 3,843,000 $ 56,514 $ 115,000
McDonald, Missouri 67 $ 3,528,000 $ 52,656 $ 59,000
Stephens, Oklahoma 67 $ 2,932,000 $ 43,761 $ 53,000
Garland, Arkansas 66 $ 7,637,000 $ 115,712 $ 101,000
Osage, Oklahoma 66 $ 2,013,000 $ 30,500 $ 66,000
Boone, Arkansas 64 $ 2,700,000 $ 42,187 $ 50,000
Ottawa, Oklahoma 63 $ 1,942,000 $ 30,825 $ 62,000
Adair, Oklahoma 61 $ 2,669,000 $ 43,754 $ 57,000
Creek, Oklahoma 58 $ 1,373,000 $ 23,672 $ 60,000
Delaware, Oklahoma 55 $ 1,799,000 $ 32,709 $ 66,000
Faulkner, Arkansas 53 $ 2,674,000 $ 50,452 $ 89,000
Muskogee, Oklahoma 53 $ 1,106,000 $ 20,867 $ 57,000
Nowata, Oklahoma 53 $ 1,745,000 $ 32,924 $ 46,000
Johnson, Kansas 51 $ 6,859,000 $ 134,490 $ 146,000
Cherokee, Oklahoma 49 $ 2,527,000 $ 51,571 $ 97,000
Lonoke, Arkansas 47 $ 2,008,000 $ 42,723 $ 52,000
Grady, Oklahoma 43 $ 2,562,000 $ 59,581 $ 66,000
Canadian, Oklahoma 42 $ 1,274,000 $ 30,333 $ 86,000
Mayes, Oklahoma 42 $ 3,171,000 $ 75,500 $ 50,000
Pittsburg, Oklahoma 40 $ 1,082,000 $ 27,050 $ 57,000
Pope, Arkansas 39 $ 2,185,000 $ 56,025 $ 67,000
Greene, Missouri 39 $ 7,996,000 $ 205,025 $ 120,000
Sequoyah, Oklahoma 38 $ 830,000 $ 21,842 $ 57,000
Barry, Missouri 37 $ 2,495,000 $ 67,432 $ 78,000
Johnson, Arkansas 36 $ 2,129,000 $ 59,138 $ 81,000
Clay, Missouri 34 $ 2,297,000 $ 67,558 $ 87,000
Taney, Missouri 32 $ 2,831,000 $ 88,468 $ 107,000
Okmulgee, Oklahoma 31 $ 392,000 $ 12,645 $ 54,000
Craig, Oklahoma 29 $ 1,045,000 $ 36,034 $ 69,000
Polk, Arkansas 25 $ 818,000 $ 32,720 $ 44,000
Christian, Missouri 25 $ 2,069,000 $ 82,760 $ 89,000
Stone, Missouri 25 $ 1,809,000 $ 72,360 $ 75,000
Conway, Arkansas 22 $ 380,000 $ 17,272 $ 37,000
Kay, Oklahoma 21 $ 208,000 $ 9,904 $ 66,000
McClain, Oklahoma 20 $ 681,000 $ 34,050 $ 80,000
Payne, Oklahoma 17 $ 1,133,000 $ 66,647 $ 75,000
Logan, Arkansas 16 $ 580,000 $ 36,250 $ 38,000
Montgomery, Kansas 14 $ 787,000 $ 56,214 $ 86,000
Cass, Missouri 14 $ 628,000 $ 44,857 $ 118,000
Franklin, Arkansas 12 $ 561,000 $ 46,750 $ 61,000
Perry, Arkansas 12 $ 1,082,000 $ 90,166 $ 140,000
Carter, Oklahoma 12 $ 83,000 $ 6,916 $ 59,000
Logan, Oklahoma 12 $ 326,000 $ 27,166 $ 81,000
McIntosh, Oklahoma 12 $ 364,000 $ 30,333 $ 62,000
Hot Spring, Arkansas 11 $ 392,000 $ 35,636 $ 55,000
Sedgwick, Kansas 11 $ 71,000 $ 6,454 $ 68,000
Wyandotte, Kansas 11 $ 438,000 $ 39,818 $ 77,000
Lincoln, Oklahoma 11 $ 177,000 $ 16,090 $ 58,000
White, Arkansas 10 $ 519,000 $ 51,900 $ 65,000
Yell, Arkansas 10 $ 230,000 $ 23,000 $ 80,000
Douglas, Kansas 10 $ 198,000 $ 19,800 $ 107,000
Franklin, Kansas 10 $ 333,000 $ 33,300 $ 69,000
Pawnee, Oklahoma 10 $ 287,000 $ 28,700 $ 107,000
Montgomery, Arkansas 9 $ 906,000 $ 100,666 $ 194,000
Jefferson, Arkansas 8 $ 207,000 $ 25,875 $ 57,000
Cherokee, Kansas 8 $ 482,000 $ 60,250 $ 50,000
Haskell, Oklahoma 8 $ 276,000 $ 34,500 $ 40,000
Lawrence, Missouri 7 $ 489,000 $ 69,857 $ 57,000
Platte, Missouri 7 $ 985,000 $ 140,714 $ 147,000
Cleburne, Arkansas 6 $ 2,550,000 $ 425,000 $ 608,000
Garvin, Oklahoma 6 $ 204,000 $ 34,000 $ 85,000
Searcy, Arkansas 5 $ 215,000 $ 43,000 $ 46,000
Chautauqua, Kansas 5 $ 217,000 $ 43,400 $ 30,000
Cotton, Oklahoma 5 $ 54,000 $ 10,800 $ 68,000
Garfield, Oklahoma 5 $ 36,000 $ 7,200 $ 51,000
Pontotoc, Oklahoma 5 $ 443,000 $ 88,600 $ 43,000
Fulton, Arkansas 4 $ 125,000 $ 31,250 $ 89,000
Scott, Arkansas 4 $ 160,000 $ 40,000 $ 39,000
Leavenworth, Kansas 4 $ 104,000 $ 26,000 $ 140,000
Ozark, Missouri 4 $ 258,000 $ 64,500 $ 26,000
Jackson, Oklahoma 4 $ 42,000 $ 10,500 $ 127,000
McCurtain, Oklahoma 4 $ 47,000 $ 11,750 $ 65,000
Dallas, Texas 4 $ 10,511,000 $ 2,627,750 $ 23,000
Grant, Arkansas 3 $ 140,000 $ 46,666 $ 35,000
Jefferson, Kansas 3 $ 39,000 $ 13,000 $ 77,000
Osage, Kansas 3 $ 22,000 $ 7,333 $ 84,000
Clinton, Missouri 3 $ 238,000 $ 79,333 $ 509,000
Caddo, Oklahoma 3 $ 20,000 $ 6,666 $ 101,000
Custer, Oklahoma 3 $ 20,000 $ 6,666 $ 42,000
Jefferson, Oklahoma 3 $ 55,000 $ 18,333 $ 42,000
Kingfisher, Oklahoma 3 $ 24,000 $ 8,000 $ 91,000
Latimer, Oklahoma 3 $ 219,000 $ 73,000 $ 68,000
Love, Oklahoma 3 $ 28,000 $ 9,333 $ 106,000
Seminole, Oklahoma 3 $ 199,000 $ 66,333 $ 117,000
Baldwin, Alabama 2 $ 358,000 $ 179,000 $ 66,000
Bradley, Arkansas 2 $ 441,000 $ 220,500 $ 244,000
Clark, Arkansas 2 $ 40,000 $ 20,000 $ 61,000
Columbia, Arkansas 2 $ 39,000 $ 19,500 $ 41,000
Craighead, Arkansas 2 $ 3,434,000 $ 1,717,000 $ 0
Mississippi, Arkansas 2 $ 1,080,000 $ 540,000 $ 10,000
Newton, Arkansas 2 $ 4,910,000 $ 2,455,000 $ 331,000
Sharp, Arkansas 2 $ 44,000 $ 22,000 $ 78,000
Cook, Illinois 2 $ 212,000 $ 106,000 $ 216,000
Atchison, Kansas 2 $ 10,000 $ 5,000 $ 38,000
Labette, Kansas 2 $ 18,000 $ 9,000 $ 49,000
Miami, Kansas 2 $ 11,000 $ 5,500 $ 48,000
Oakland, Michigan 2 $ 262,000 $ 131,000 $ 91,000
Johnson, Missouri 2 $ 24,000 $ 12,000 $ 76,000
Pettis, Missouri 2 $ 19,000 $ 9,500 $ 43,000
St. Louis, Missouri 2 $ 795,000 $ 397,500 $ 150,000
Hughes, Oklahoma 2 $ 19,000 $ 9,500 $ 18,000
Pushmataha, Oklahoma 2 $ 141,000 $ 70,500 $ 35,000
Tillman, Oklahoma 2 $ 28,000 $ 14,000 $ 47,000
Jefferson, Alabama 1 $ 180,000 $ 180,000 $ 129,000
Shelby, Alabama 1 $ 68,000 $ 68,000 $ 130,000
Maricopa, Arizona 1 $ 200,000 $ 200,000 $ 338,000
Chicot, Arkansas 1 $ 173,000 $ 173,000 $ 44,000
Crittenden, Arkansas 1 $ 8,000 $ 8,000 $ 58,000
Dallas, Arkansas 1 $ 8,000 $ 8,000 $ 0
Howard, Arkansas 1 $ 9,000 $ 9,000 $ 87,000
Izard, Arkansas 1 $ 27,000 $ 27,000 $ 97,000
Ouachita, Arkansas 1 $ 6,000 $ 6,000 $ 20,000
Stone, Arkansas 1 $ 50,000 $ 50,000 $ 111,000
Van Buren, Arkansas 1 $ 8,000 $ 8,000 $ 96,000
Ventura, California 1 $ 284,000 $ 284,000 $ 309,000
Delta, Colorado 1 $ 85,000 $ 85,000 $ 35,000
El Paso, Colorado 1 $ 15,000 $ 15,000 $ 79,000
Gunnison, Colorado 1 $ 417,000 $ 417,000 $ 1,162,000
La Plata, Colorado 1 $ 300,000 $ 300,000 $ 53,000
San Juan, Colorado 1 $ 236,000 $ 236,000 $ 182,000
Summit, Colorado 1 $ 344,000 $ 344,000 $ 118,000
Charlotte, Florida 1 $ 76,000 $ 76,000 $ 45,000
Marion, Florida 1 $ 34,000 $ 34,000 $ 218,000
Sangamon, Illinois 1 $ 204,000 $ 204,000 $ 95,000
Will, Illinois 1 $ 245,000 $ 245,000 $ 83,000
Wright, Iowa 1 $ 24,000 $ 24,000 $ 16,000
Anderson, Kansas 1 $ 18,000 $ 18,000 $ 107,000
Brown, Kansas 1 $ 14,000 $ 14,000 $ 22,000
Crawford, Kansas 1 $ 330,000 $ 330,000 $ 180,000
Ellis, Kansas 1 $ 102,000 $ 102,000 $ 92,000
Greenwood, Kansas 1 $ 80,000 $ 80,000 $ 0
Linn, Kansas 1 $ 5,000 $ 5,000 $ 16,000
Morris, Kansas 1 $ 78,000 $ 78,000 $ 433,000
Sumner, Kansas 1 $ 6,000 $ 6,000 $ 53,000
Thomas, Kansas 1 $ 5,000 $ 5,000 $ 35,000
Vermilion, Louisiana 1 $ 2,000 $ 2,000 $ 80,000
Cumberland, Maine 1 $ 417,000 $ 417,000 $ 150,000
Barnstable, Massachusetts 1 $ 900,000 $ 900,000 $ 1,951,000
Barton, Missouri 1 $ 30,000 $ 30,000 $ 28,000
Benton, Missouri 1 $ 18,000 $ 18,000 $ 38,000
Buchanan, Missouri 1 $ 26,000 $ 26,000 $ 67,000
Camden, Missouri 1 $ 170,000 $ 170,000 $ 217,000
Dade, Missouri 1 $ 21,000 $ 21,000 $ 53,000
Holt, Missouri 1 $ 25,000 $ 25,000 $ 70,000
Jefferson, Missouri 1 $ 162,000 $ 162,000 $ 65,000
Laclede, Missouri 1 $ 3,000 $ 3,000 $ 34,000
Lafayette, Missouri 1 $ 15,000 $ 15,000 $ 97,000
Morgan, Missouri 1 $ 110,000 $ 110,000 $ 37,000
Phelps, Missouri 1 $ 185,000 $ 185,000 $ 178,000
Ray, Missouri 1 $ 15,000 $ 15,000 $ 110,000
St. Louis City, Missouri 1 $ 1,040,000 $ 1,040,000 $ 0
Warren, Missouri 1 $ 90,000 $ 90,000 $ 46,000
Lancaster, Nebraska 1 $ 51,000 $ 51,000 $ 115,000
Sandoval, New Mexico 1 $ 48,000 $ 48,000 $ 138,000
Buncombe, North Carolina 1 $ 10,000 $ 10,000 $ 24,000
Durham, North Carolina 1 $ 100,000 $ 100,000 $ 1,780,000
Franklin, North Carolina 1 $ 8,000 $ 8,000 $ 31,000
Alfalfa, Oklahoma 1 $ 15,000 $ 15,000 $ 22,000
Beckham, Oklahoma 1 $ 6,000 $ 6,000 $ 126,000
Blaine, Oklahoma 1 $ 25,000 $ 25,000 $ 27,000
Kiowa, Oklahoma 1 $ 7,000 $ 7,000 $ 79,000
Murray, Oklahoma 1 $ 11,000 $ 11,000 $ 44,000
Noble, Oklahoma 1 $ 10,000 $ 10,000 $ 55,000
Washington, Oregon 1 $ 1,040,000 $ 1,040,000 $ 13,000
Obion, Tennessee 1 $ 13,000 $ 13,000 $ 13,000
Shelby, Tennessee 1 $ 50,000 $ 50,000 $ 146,000
Andrews, Texas 1 $ 196,000 $ 196,000 $ 85,000
El Paso, Texas 1 $ 245,000 $ 245,000 $ 0
Tarrant, Texas 1 $ 114,000 $ 114,000 $ 45,000
Williamson, Texas 1 $ 22,000 $ 22,000 $ 122,000
Virginia Beach, Virginia 1 $ 5,000 $ 5,000 $ 65,000
Clark, Washington 1 $ 135,000 $ 135,000 $ 22,000
King, Washington 1 $ 105,000 $ 105,000 $ 35,000

Mortgage Loan Application Detail Totals for Arvest Bank in 2012

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 3,517 $328,652,000 $93,000 $10,632,000 $97,000 $6,426,000
Home Improvement 3,461 $46,712,000 $13,000 $1,040,000 $67,000 $1,648,000
Home Purchase 739 $105,870,000 $143,000 $3,100,000 $129,000 $1,869,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 6,392 $341,561,000 $53,000 $4,800,000 $89,000 $3,198,000
Not Provided 425 $27,425,000 $64,000 $1,656,000 $82,000 $1,162,000
Hispanic 361 $14,230,000 $39,000 $684,000 $58,000 $541,000
Black or African American 237 $12,536,000 $52,000 $899,000 $98,000 $6,426,000
American Indian or Alaskan Native 164 $5,336,000 $32,000 $1,040,000 $64,000 $425,000
Asian 65 $5,682,000 $87,000 $515,000 $93,000 $565,000
Not applicable 65 $74,265,000 $1,142,000 $10,632,000 $6,000 $132,000
Native Hawaiian or Other Pacific Islander 8 $199,000 $24,000 $115,000 $54,000 $76,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 7,622 $470,134,000 $61,000 $10,632,000 $87,000 $6,426,000
FHA-insured (Federal Housing Administration) 79 $8,600,000 $108,000 $260,000 $50,000 $144,000
VA-guaranteed (Veterans Administration) 14 $2,157,000 $154,000 $418,000 $76,000 $223,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $343,000 $171,000 $173,000 $56,000 $69,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 5,560 $374,360,000 $67,000 $10,632,000 $93,000 $3,198,000
Application Denied By Financial Institution 1,516 $38,391,000 $25,000 $1,040,000 $54,000 $1,162,000
File Closed For Incompleteness 388 $57,468,000 $148,000 $2,020,000 $111,000 $6,426,000
Application Approved But Not Accepted 179 $5,673,000 $31,000 $467,000 $77,000 $338,000
Application Withdrawn By Applicant 74 $5,342,000 $72,000 $417,000 $90,000 $370,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Arvest Bank's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Arvest Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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