We analyzed every closed loan from Arvest Bank — 6.1k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 19 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Arvest Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+32.4 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
4,391 loans · 0.31% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,021 loans · 0.53% above market
Exceptional
Top 20% of lenders
5/5
VA
294 loans · 0.20% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
236 loans · 0.09% above market
Exceptional
Top 20% of lenders
5/5
USDA
132 loans · 0.50% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
4,935 loans · 0.33% above market
Exceptional
Top 20% of lenders
5/5
Refinance
1,139 loans · 0.31% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 20 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,391 | 72.3% | +0.311%Above | $1,694Fees | ||||
FHA Loans | 1,021 | 16.8% | +0.532%Above | $1,866Fees | ||||
VA Loans | 294 | 4.8% | -0.196%Below | $995Fees | ||||
Jumbo Loans | 236 | 3.9% | +0.093%Above | $1,371Fees | ||||
USDA Loans | 132 | 2.2% | +0.498%Above | $2,029Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume4,391
Mix72.3%
Spread
+0.311%Above
Fees
$1,694Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,021
Mix16.8%
Spread
+0.532%Above
Fees
$1,866Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume294
Mix4.8%
Spread
-0.196%Below
Fees
$995Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume236
Mix3.9%
Spread
+0.093%Above
Fees
$1,371Fees
USDA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume132
Mix2.2%
Spread
+0.498%Above
Fees
$2,029Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,935 | 81.2% | +0.328%Above | $1,598Fees | ||||
Refinance | 1,139 | 18.8% | +0.310%Above | $2,027Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume4,935
Mix81.2%
Spread
+0.328%Above
Fees
$1,598Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,139
Mix18.8%
Spread
+0.310%Above
Fees
$2,027Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,074
Applications
9,243
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.324%
vs. market APOR
Avg Net Fees
$1,690
Origination − Credits
Pullthrough Rate
65.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$311,093
Avg Borrower Income
$152,381
Avg Property Value
$388,478
Geographic Coverage
Geographic Performance
Metro Areas
19
markets with activity
States Served
43
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
43Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast6
CTMEMANJPAVT
Midwest11
IAILINKSMIMNMONEOHSDWI
South15
ALARDCFLGAKYLAMSNCOKSCTNTXVAWV
West11
AZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 19 metro areas
Top States by Place Specialization Score
Showing 10 of 22 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.