Arvest Bank Group Mortgage Lending & HMDA Data, 2009
In 2009, Arvest Bank Group of Tulsa, OK reported 8,207 mortgage applications totaling $498.5 million, down 11% from 2008. The average application was for $60,742, and applicants reported an average income of $84,198. 72% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Fayetteville-Springdale-Rogers, AR-MO (2,664), Tulsa, OK (1,327) and Oklahoma City, OK (777) (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 | 8,207 |
| Total Mortgage Loan Application Amount | $498,511,000 |
| Average Mortgage Loan Application Amount | $60,742 |
| Highest Mortgage Loan Application Amount | $10,374,000 |
| Average Applicant Income | $84,198 |
| Highest Applicant Income | $2,700,000 |
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Act (HMDA) records Arvest Bank Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayetteville-Springdale-Rogers, AR-MO | 2,664 | $ 164,214,000 | $ 61,641 | $ 96,712 |
| Tulsa, OK | 1,327 | $ 64,427,000 | $ 48,550 | $ 83,000 |
| Oklahoma City, OK | 777 | $ 36,555,000 | $ 47,046 | $ 89,000 |
| Little Rock-North Little Rock-Conway, AR | 616 | $ 37,566,000 | $ 60,983 | $ 88,000 |
| Fort Smith, AR-OK | 552 | $ 23,074,000 | $ 41,800 | $ 70,471 |
| Lawton, OK | 198 | $ 7,896,000 | $ 39,878 | $ 73,000 |
| Joplin, MO | 155 | $ 12,302,000 | $ 79,367 | $ 94,000 |
| Hot Springs, AR | 81 | $ 10,949,000 | $ 135,172 | $ 70,000 |
| Springfield, MO | 24 | $ 3,443,000 | $ 143,458 | $ 151,000 |
| Kansas City, MO-KS | 16 | $ 19,614,000 | $ 1,225,875 | $ 82,875 |
| Dallas-Plano-Irving, TX | 7 | $ 10,722,000 | $ 1,531,714 | $ 119,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 252,000 | $ 63,000 | $ 46,000 |
| St. Louis, MO-IL | 4 | $ 349,000 | $ 87,250 | $ 185,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 510,000 | $ 170,000 | $ 230,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 408,000 | $ 204,000 | $ 138,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 84,000 | $ 42,000 | $ 96,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 165,000 | $ 82,500 | $ 117,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 434,000 | $ 217,000 | $ 159,000 |
| Jacksonville, FL | 2 | $ 321,000 | $ 160,500 | $ 116,000 |
| Jonesboro, AR | 2 | $ 2,236,000 | $ 1,118,000 | $ 21,000 |
| Memphis, TN-MS-AR | 2 | $ 158,000 | $ 79,000 | $ 115,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 202,000 | $ 101,000 | $ 33,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,280,000 | $ 640,000 | $ 638,000 |
| Pine Bluff, AR | 2 | $ 19,000 | $ 9,500 | $ 55,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 451,000 | $ 225,500 | $ 75,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 188,000 | $ 94,000 | $ 127,000 |
| Wichita, KS | 2 | $ 42,000 | $ 21,000 | $ 62,000 |
| Amarillo, TX | 1 | $ 270,000 | $ 270,000 | $ 174,000 |
| Ames, IA | 1 | $ 17,000 | $ 17,000 | $ 63,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 50,000 | $ 50,000 | $ 150,000 |
| Austin-Round Rock, TX | 1 | $ 75,000 | $ 75,000 | $ 195,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 21,000 | $ 21,000 | $ 21,000 |
| Chattanooga, TN-GA | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 204,000 | $ 204,000 | $ 79,000 |
| Columbia, MO | 1 | $ 24,000 | $ 24,000 | $ 30,000 |
| Columbus, OH | 1 | $ 144,000 | $ 144,000 | $ 400,000 |
| Dayton, OH | 1 | $ 70,000 | $ 70,000 | $ 144,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 553,000 | $ 553,000 | $ 0 |
| Fresno, CA | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 274,000 | $ 274,000 | $ 55,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 99,000 | $ 99,000 | $ 38,000 |
| Jackson, MI | 1 | $ 11,000 | $ 11,000 | $ 26,000 |
| Lexington-Fayette, KY | 1 | $ 65,000 | $ 65,000 | $ 180,000 |
| Longview, TX | 1 | $ 217,000 | $ 217,000 | $ 100,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Madison, WI | 1 | $ 300,000 | $ 300,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 174,000 | $ 174,000 | $ 181,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| Orlando-Kissimmee, FL | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 1,117,000 | $ 1,117,000 | $ 0 |
| Pascagoula, MS | 1 | $ 19,000 | $ 19,000 | $ 65,000 |
| Philadelphia, PA | 1 | $ 22,000 | $ 22,000 | $ 56,000 |
| Pittsburgh, PA | 1 | $ 95,000 | $ 95,000 | $ 121,000 |
| Rochester, NY | 1 | $ 124,000 | $ 124,000 | $ 70,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 30,000 | $ 30,000 | $ 60,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 401,000 | $ 401,000 | $ 231,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 5,000 | $ 5,000 | $ 194,000 |
| Shreveport-Bossier City, LA | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| St. Cloud, MN | 1 | $ 20,000 | $ 20,000 | $ 101,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 207,000 | $ 207,000 | $ 700,000 |
Mortgage Loan Application Detail Totals for Arvest Bank Group in 2009
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 | 4,047 | $106,204,000 | $26,000 | $681,000 | $76,000 | $1,294,000 |
| Refinancing | 3,091 | $296,564,000 | $95,000 | $10,374,000 | $95,000 | $2,700,000 |
| Home Purchase | 1,069 | $95,743,000 | $89,000 | $2,898,000 | $84,000 | $712,000 |
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 | 6,640 | $339,677,000 | $51,000 | $3,070,000 | $89,000 | $2,700,000 |
| Not Provided | 765 | $41,336,000 | $54,000 | $2,360,000 | $64,000 | $1,298,000 |
| Hispanic | 278 | $8,376,000 | $30,000 | $417,000 | $53,000 | $541,000 |
| Black or African American | 216 | $7,030,000 | $32,000 | $1,056,000 | $67,000 | $700,000 |
| American Indian or Alaskan Native | 135 | $4,716,000 | $34,000 | $292,000 | $52,000 | $295,000 |
| Asian | 91 | $8,412,000 | $92,000 | $771,000 | $122,000 | $584,000 |
| Not applicable | 80 | $88,739,000 | $1,109,000 | $10,374,000 | $0 | $45,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $225,000 | $112,000 | $200,000 | $122,000 | $159,000 |
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) | 8,206 | $498,432,000 | $60,000 | $10,374,000 | $84,000 | $2,700,000 |
| FHA-insured (Federal Housing Administration) | 1 | $79,000 | $79,000 | $79,000 | $22,000 | $22,000 |
| 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 | 5,900 | $410,171,000 | $69,000 | $10,374,000 | $93,000 | $2,700,000 |
| Application Denied By Financial Institution | 1,489 | $41,714,000 | $28,000 | $2,360,000 | $51,000 | $444,000 |
| Application Withdrawn By Applicant | 358 | $23,438,000 | $65,000 | $1,260,000 | $79,000 | $836,000 |
| Application Approved But Not Accepted | 299 | $10,353,000 | $34,000 | $474,000 | $78,000 | $650,000 |
| File Closed For Incompleteness | 161 | $12,835,000 | $79,000 | $417,000 | $68,000 | $390,000 |
| 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 Group's 2009 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.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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