Arvest Bank Group Mortgage Lending & HMDA Data, 2003
In 2003, Arvest Bank Group of Tulsa, OK reported 11,562 mortgage applications totaling $495.8 million. The average application was for $42,880, and applicants reported an average income of $51,506. 79% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Fayetteville-Springdale-Rogers, AR (4,368), Tulsa, OK (1,908) and Oklahoma City, OK (1,665) (applications in parentheses).
| Mortgage Company & Address | Arvest Bank Group 4500 South Garnett Suit 440 Tulsa, OK 74146 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 11,562 |
| Total Mortgage Loan Application Amount | $495,787,000 |
| Average Mortgage Loan Application Amount | $42,880 |
| Highest Mortgage Loan Application Amount | $4,672,000 |
| Average Applicant Income | $51,506 |
| Highest Applicant Income | $6,198,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Arvest Bank Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Benton, Arkansas | 2,535 | $ 117,273,000 | $ 46,261 | $ 62,000 |
| Washington, Arkansas | 1,833 | $ 100,526,000 | $ 54,842 | $ 54,000 |
| Tulsa, Oklahoma | 1,574 | $ 65,538,000 | $ 41,637 | $ 52,000 |
| Oklahoma, Oklahoma | 811 | $ 22,335,000 | $ 27,540 | $ 42,000 |
| Cleveland, Oklahoma | 538 | $ 18,852,000 | $ 35,040 | $ 51,000 |
| Pulaski, Arkansas | 417 | $ 19,400,000 | $ 46,522 | $ 61,000 |
| Washington, Oklahoma | 371 | $ 11,078,000 | $ 29,859 | $ 44,000 |
| Jasper, Missouri | 344 | $ 15,807,000 | $ 45,950 | $ 40,000 |
| Madison, Arkansas | 260 | $ 11,158,000 | $ 42,915 | $ 31,000 |
| Sebastian, Arkansas | 234 | $ 16,403,000 | $ 70,098 | $ 49,000 |
| Comanche, Oklahoma | 202 | $ 9,618,000 | $ 47,613 | $ 57,000 |
| Stephens, Oklahoma | 195 | $ 6,552,000 | $ 33,600 | $ 34,000 |
| Pottawatomie, Oklahoma | 184 | $ 6,014,000 | $ 32,684 | $ 40,000 |
| Newton, Missouri | 172 | $ 12,006,000 | $ 69,802 | $ 44,000 |
| Adair, Oklahoma | 167 | $ 4,890,000 | $ 29,281 | $ 32,000 |
| McDonald, Missouri | 137 | $ 4,833,000 | $ 35,277 | $ 33,000 |
| Delaware, Oklahoma | 128 | $ 3,311,000 | $ 25,867 | $ 34,000 |
| Carroll, Arkansas | 125 | $ 4,318,000 | $ 34,544 | $ 34,000 |
| Nowata, Oklahoma | 119 | $ 5,025,000 | $ 42,226 | $ 30,000 |
| Wagoner, Oklahoma | 115 | $ 3,796,000 | $ 33,008 | $ 52,000 |
| Creek, Oklahoma | 105 | $ 2,712,000 | $ 25,828 | $ 40,000 |
| Lonoke, Arkansas | 68 | $ 2,396,000 | $ 35,235 | $ 51,000 |
| Canadian, Oklahoma | 66 | $ 1,342,000 | $ 20,333 | $ 53,000 |
| Rogers, Oklahoma | 66 | $ 3,158,000 | $ 47,848 | $ 71,000 |
| Crawford, Arkansas | 63 | $ 1,747,000 | $ 27,730 | $ 37,000 |
| Saline, Arkansas | 56 | $ 1,464,000 | $ 26,142 | $ 53,000 |
| Barry, Missouri | 56 | $ 2,036,000 | $ 36,357 | $ 30,000 |
| Osage, Oklahoma | 48 | $ 1,087,000 | $ 22,645 | $ 53,000 |
| McClain, Oklahoma | 41 | $ 1,109,000 | $ 27,048 | $ 50,000 |
| Le Flore, Oklahoma | 34 | $ 741,000 | $ 21,794 | $ 46,000 |
| Muskogee, Oklahoma | 26 | $ 360,000 | $ 13,846 | $ 37,000 |
| Logan, Oklahoma | 25 | $ 517,000 | $ 20,680 | $ 60,000 |
| Grady, Oklahoma | 22 | $ 843,000 | $ 38,318 | $ 60,000 |
| Sequoyah, Oklahoma | 22 | $ 532,000 | $ 24,181 | $ 38,000 |
| Lincoln, Oklahoma | 20 | $ 347,000 | $ 17,350 | $ 36,000 |
| Boone, Arkansas | 16 | $ 345,000 | $ 21,562 | $ 40,000 |
| Caddo, Oklahoma | 16 | $ 284,000 | $ 17,750 | $ 48,000 |
| Cotton, Oklahoma | 16 | $ 363,000 | $ 22,687 | $ 37,000 |
| Kingfisher, Oklahoma | 14 | $ 210,000 | $ 15,000 | $ 32,000 |
| Okmulgee, Oklahoma | 14 | $ 411,000 | $ 29,357 | $ 39,000 |
| Payne, Oklahoma | 14 | $ 471,000 | $ 33,642 | $ 52,000 |
| McIntosh, Oklahoma | 13 | $ 765,000 | $ 58,846 | $ 80,000 |
| Ottawa, Oklahoma | 13 | $ 869,000 | $ 66,846 | $ 126,000 |
| Cherokee, Kansas | 12 | $ 348,000 | $ 29,000 | $ 34,000 |
| Faulkner, Arkansas | 10 | $ 298,000 | $ 29,800 | $ 43,000 |
| Garfield, Oklahoma | 9 | $ 42,000 | $ 4,666 | $ 36,000 |
| Garland, Arkansas | 8 | $ 274,000 | $ 34,250 | $ 64,000 |
| Pawnee, Oklahoma | 8 | $ 221,000 | $ 27,625 | $ 54,000 |
| Cherokee, Oklahoma | 7 | $ 598,000 | $ 85,428 | $ 86,000 |
| Jefferson, Oklahoma | 7 | $ 292,000 | $ 41,714 | $ 36,000 |
| McCurtain, Oklahoma | 7 | $ 38,000 | $ 5,428 | $ 44,000 |
| Montgomery, Kansas | 6 | $ 160,000 | $ 26,666 | $ 126,000 |
| Jackson, Missouri | 6 | $ 425,000 | $ 70,833 | $ 121,000 |
| Haskell, Oklahoma | 6 | $ 86,000 | $ 14,333 | $ 32,000 |
| Pope, Arkansas | 5 | $ 135,000 | $ 27,000 | $ 66,000 |
| Crawford, Kansas | 5 | $ 41,000 | $ 8,200 | $ 33,000 |
| Bryan, Oklahoma | 5 | $ 84,000 | $ 16,800 | $ 54,000 |
| Kiowa, Oklahoma | 5 | $ 21,000 | $ 4,200 | $ 18,000 |
| Mayes, Oklahoma | 5 | $ 185,000 | $ 37,000 | $ 28,000 |
| Seminole, Oklahoma | 5 | $ 84,000 | $ 16,800 | $ 46,000 |
| Franklin, Arkansas | 4 | $ 206,000 | $ 51,500 | $ 108,000 |
| Logan, Arkansas | 4 | $ 71,000 | $ 17,750 | $ 23,000 |
| Newton, Arkansas | 4 | $ 110,000 | $ 27,500 | $ 27,000 |
| Stone, Missouri | 4 | $ 420,000 | $ 105,000 | $ 18,000 |
| Carter, Oklahoma | 4 | $ 283,000 | $ 70,750 | $ 86,000 |
| Pittsburg, Oklahoma | 4 | $ 114,000 | $ 28,500 | $ 39,000 |
| Pontotoc, Oklahoma | 4 | $ 125,000 | $ 31,250 | $ 56,000 |
| Texas, Oklahoma | 4 | $ 18,000 | $ 4,500 | $ 25,000 |
| Maricopa, Arizona | 3 | $ 367,000 | $ 122,333 | $ 101,000 |
| Cleburne, Arkansas | 3 | $ 117,000 | $ 39,000 | $ 32,000 |
| Craig, Oklahoma | 3 | $ 649,000 | $ 216,333 | $ 527,000 |
| Latimer, Oklahoma | 3 | $ 20,000 | $ 6,666 | $ 59,000 |
| Major, Oklahoma | 3 | $ 15,000 | $ 5,000 | $ 26,000 |
| Dallas, Texas | 3 | $ 244,000 | $ 81,333 | $ 183,000 |
| Harris, Texas | 3 | $ 189,000 | $ 63,000 | $ 36,000 |
| Tarrant, Texas | 3 | $ 82,000 | $ 27,333 | $ 102,000 |
| Baxter, Arkansas | 2 | $ 240,000 | $ 120,000 | $ 322,000 |
| Jefferson, Arkansas | 2 | $ 20,000 | $ 10,000 | $ 43,000 |
| Johnson, Arkansas | 2 | $ 23,000 | $ 11,500 | $ 61,000 |
| Scott, Arkansas | 2 | $ 83,000 | $ 41,500 | $ 38,000 |
| White, Arkansas | 2 | $ 193,000 | $ 96,500 | $ 22,000 |
| La Plata, Colorado | 2 | $ 1,237,000 | $ 618,500 | $ 100,000 |
| Douglas, Kansas | 2 | $ 51,000 | $ 25,500 | $ 48,000 |
| Barton, Missouri | 2 | $ 103,000 | $ 51,500 | $ 77,000 |
| Greene, Missouri | 2 | $ 105,000 | $ 52,500 | $ 21,000 |
| Lawrence, Missouri | 2 | $ 80,000 | $ 40,000 | $ 52,000 |
| Beckham, Oklahoma | 2 | $ 10,000 | $ 5,000 | $ 43,000 |
| Kay, Oklahoma | 2 | $ 320,000 | $ 160,000 | $ 66,000 |
| Love, Oklahoma | 2 | $ 123,000 | $ 61,500 | $ 447,000 |
| Noble, Oklahoma | 2 | $ 28,000 | $ 14,000 | $ 65,000 |
| Okfuskee, Oklahoma | 2 | $ 41,000 | $ 20,500 | $ 48,000 |
| Washita, Oklahoma | 2 | $ 12,000 | $ 6,000 | $ 42,000 |
| Snohomish, Washington | 2 | $ 56,000 | $ 28,000 | $ 24,000 |
| Conway, Arkansas | 1 | $ 3,000 | $ 3,000 | $ 29,000 |
| Hempstead, Arkansas | 1 | $ 3,000 | $ 3,000 | $ 30,000 |
| Marion, Arkansas | 1 | $ 2,000 | $ 2,000 | $ 19,000 |
| Montgomery, Arkansas | 1 | $ 16,000 | $ 16,000 | $ 198,000 |
| Perry, Arkansas | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Sevier, Arkansas | 1 | $ 11,000 | $ 11,000 | $ 29,000 |
| Yell, Arkansas | 1 | $ 75,000 | $ 75,000 | $ 118,000 |
| Los Angeles, California | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Orange, California | 1 | $ 50,000 | $ 50,000 | $ 96,000 |
| San Bernardino, California | 1 | $ 7,000 | $ 7,000 | $ 34,000 |
| Tulare, California | 1 | $ 146,000 | $ 146,000 | $ 80,000 |
| Yuba, California | 1 | $ 35,000 | $ 35,000 | $ 10,000 |
| Boulder, Colorado | 1 | $ 25,000 | $ 25,000 | $ 160,000 |
| Jefferson, Colorado | 1 | $ 224,000 | $ 224,000 | $ 188,000 |
| Collier, Florida | 1 | $ 500,000 | $ 500,000 | $ 422,000 |
| Miami-Dade, Florida | 1 | $ 560,000 | $ 560,000 | $ 144,000 |
| Sarasota, Florida | 1 | $ 400,000 | $ 400,000 | $ 520,000 |
| Bourbon, Kansas | 1 | $ 4,000 | $ 4,000 | $ 26,000 |
| Sedgwick, Kansas | 1 | $ 7,000 | $ 7,000 | $ 25,000 |
| Oceana, Michigan | 1 | $ 19,000 | $ 19,000 | $ 116,000 |
| Hinds, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 128,000 |
| Dade, Missouri | 1 | $ 4,000 | $ 4,000 | $ 11,000 |
| Jefferson, Missouri | 1 | $ 10,000 | $ 10,000 | $ 45,000 |
| Phelps, Missouri | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Taney, Missouri | 1 | $ 29,000 | $ 29,000 | $ 166,000 |
| Richardson, Nebraska | 1 | $ 20,000 | $ 20,000 | $ 10,000 |
| Clark, Nevada | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Socorro, New Mexico | 1 | $ 80,000 | $ 80,000 | $ 158,000 |
| Hamilton, Ohio | 1 | $ 20,000 | $ 20,000 | $ 195,000 |
| Alfalfa, Oklahoma | 1 | $ 6,000 | $ 6,000 | $ 43,000 |
| Atoka, Oklahoma | 1 | $ 26,000 | $ 26,000 | $ 135,000 |
| Blaine, Oklahoma | 1 | $ 63,000 | $ 63,000 | $ 80,000 |
| Cimarron, Oklahoma | 1 | $ 108,000 | $ 108,000 | $ 38,000 |
| Coal, Oklahoma | 1 | $ 7,000 | $ 7,000 | $ 56,000 |
| Garvin, Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 69,000 |
| Harper, Oklahoma | 1 | $ 4,000 | $ 4,000 | $ 29,000 |
| Hughes, Oklahoma | 1 | $ 1,000 | $ 1,000 | $ 23,000 |
| Johnston, Oklahoma | 1 | $ 4,000 | $ 4,000 | $ 47,000 |
| Marshall, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Murray, Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 29,000 |
| Pushmataha, Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 60,000 |
| Roger Mills, Oklahoma | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Woods, Oklahoma | 1 | $ 21,000 | $ 21,000 | $ 80,000 |
| Wilson, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 127,000 |
| Coryell, Texas | 1 | $ 61,000 | $ 61,000 | $ 104,000 |
| Montgomery, Texas | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 422,000 | $ 422,000 | $ 360,000 |
| St. Croix, Wisconsin | 1 | $ 14,000 | $ 14,000 | $ 17,000 |
| Albany, Wyoming | 1 | $ 22,000 | $ 22,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for Arvest Bank Group in 2003
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 |
|---|---|---|---|---|---|---|
| Home Improvement (one-to-four family) | 5,639 | $153,081,000 | $68,416 | $3,100,000 | $97,083 | $4,070,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 4,288 | $236,320,000 | $111,666 | $4,672,000 | $99,666 | $6,198,000 |
| Home Purchase (one-to-four family) | 1,623 | $103,175,000 | $84,545 | $1,263,000 | $94,000 | $4,400,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 12 | $3,211,000 | $245,000 | $750,000 | $0 | $0 |
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 | 9,006 | $391,888,000 | $108,842 | $3,410,000 | $115,000 | $6,198,000 |
| Information not provided by applicant in mail or telephone application | 1,192 | $28,244,000 | $32,363 | $850,000 | $51,090 | $900,000 |
| Not applicable | 548 | $51,467,000 | $91,500 | $4,672,000 | $5,000 | $768,000 |
| Black | 288 | $7,278,000 | $32,666 | $650,000 | $89,333 | $800,000 |
| Hispanic | 220 | $4,672,000 | $21,333 | $570,000 | $36,333 | $635,000 |
| American Indian or Alaskan Native | 220 | $7,983,000 | $50,000 | $426,000 | $45,000 | $239,000 |
| Asian or Pacific Islander | 75 | $3,521,000 | $47,666 | $294,000 | $66,000 | $331,000 |
| Other | 13 | $734,000 | $55,000 | $235,000 | $79,500 | $170,000 |
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) | 11,561 | $495,780,000 | $99,380 | $4,672,000 | $106,952 | $6,198,000 |
| FHA-insured (Federal Housing Administration) | 1 | $7,000 | $7,000 | $7,000 | $29,000 | $29,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 9,181 | $437,470,000 | $114,777 | $4,672,000 | $114,555 | $6,198,000 |
| Application Denied By Financial Institution | 1,825 | $36,735,000 | $38,800 | $454,000 | $53,500 | $241,000 |
| Application Withdrawn By Applicant | 555 | $21,483,000 | $25,428 | $860,000 | $54,285 | $288,000 |
| File Closed For Incompleteness | 1 | $99,000 | $99,000 | $99,000 | $26,000 | $26,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 1,090 | $18,616,000 | $27,285 | $270,000 | $38,142 | $241,000 |
| Debt-To-Income Ratio | 627 | $15,504,000 | $40,222 | $454,000 | $52,000 | $174,000 |
| Collateral | 64 | $1,804,000 | $20,000 | $252,000 | $45,000 | $225,000 |
| Employment History | 40 | $713,000 | $20,000 | $100,000 | $26,000 | $66,000 |
| Other | 3 | $73,000 | $19,500 | $60,000 | $57,000 | $69,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $37,000 | $37,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Arvest Bank Group's 2003 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 Group'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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