Purchase Originations
5,052
Ranked #98 nationally
Median Total Costs
$4,458
−33.3% vs national ($6,680)
↑ $218 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,385
Median Lender Credits
$451
Cost Rank (500+ vol.)
#142
among lenders with 500+ originations
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,777 | 6.625% | $4,055 | $1,345 |
| fha | 888 | 6.125% | $7,923 | $1,913 |
| va | 252 | 6.250% | $3,386 | $0 |
| usda | 135 | 6.375% | $5,484 | $1,783 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arkansas | 2,315 | 6.500% | $4,238 | #1 |
| Oklahoma | 1,317 | 6.500% | $5,235 | #5 |
| Missouri | 876 | 6.500% | $3,858 | #17 |
| Kansas | 342 | 6.500% | $3,546 | #18 |
| Texas | 40 | 6.625% | $7,177 | — |
| Florida | 18 | 6.312% | $5,956 | — |
| North Carolina | 12 | 6.500% | $3,879 | — |
| Tennessee | 11 | 6.500% | $4,669 | — |
| Indiana | 10 | 6.625% | $3,809 | — |
| Alabama | 8 | 6.562% | $3,830 | — |
| Louisiana | 8 | 6.625% | $5,181 | — |
| Nevada | 8 | 6.500% | $5,100 | — |
| California | 7 | 6.625% | $5,782 | — |
| Iowa | 7 | 6.875% | $2,504 | — |
| Michigan | 7 | 6.375% | $5,410 | — |
| Georgia | 6 | 6.312% | $5,532 | — |
| Illinois | 6 | 6.688% | $4,106 | — |
| Colorado | 5 | 6.000% | $6,265 | — |
| Minnesota | 5 | 6.250% | $5,554 | — |
| New Jersey | 4 | 6.625% | $6,122 | — |
| Ohio | 4 | 6.562% | $6,618 | — |
| South Carolina | 4 | 6.062% | $6,392 | — |
| Idaho | 3 | 6.750% | $6,474 | — |
| Kentucky | 3 | 6.750% | $5,204 | — |
| Massachusetts | 3 | 6.250% | $7,790 | — |
| Montana | 3 | 6.625% | $4,957 | — |
| Pennsylvania | 3 | 6.375% | $6,197 | — |
| Virginia | 3 | 6.625% | $4,494 | — |
| Maine | 2 | 6.375% | $6,975 | — |
| Nebraska | 2 | 6.500% | $4,764 | — |
| Washington | 2 | 6.625% | $4,705 | — |
| Wisconsin | 2 | 6.625% | $5,182 | — |
| Arizona | 1 | 6.500% | $5,398 | — |
| Mississippi | 1 | 6.750% | $6,493 | — |
| South Dakota | 1 | 7.375% | $2,666 | — |
| Utah | 1 | 6.500% | $0 | — |
| Vermont | 1 | 6.875% | $5,057 | — |
| West Virginia | 1 | 7.000% | $4,195 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,315 | 6.500% | — | 215 | −$1,143 | |
| 2 | $3,473 | 6.562% | — | 172 | −$985 | |
| 3 | $3,690 | 6.562% | — | 56 | −$768 | |
| 4 | $3,880 | 6.500% | — | 120 | −$578 | |
| 5 | $3,913 | 6.500% | — | 106 | −$545 | |
| 6 | $4,001 | 6.500% | — | 69 | −$457 | |
| 7 | $4,077 | 6.500% | — | 399 | −$381 | |
| 8 | $4,087 | 6.500% | — | 667 | −$371 | |
| 9 | $4,370 | 6.500% | — | 89 | −$88 | |
| 10 | $4,377 | 6.500% | — | 278 | −$81 | |
| 11 | $4,630 | 6.500% | — | 102 | +$172 | |
| 12 | $4,661 | 6.500% | — | 177 | +$203 | |
| 13 | $4,694 | 6.500% | — | 58 | +$236 | |
| 14 | $4,734 | 6.500% | — | 66 | +$276 | |
| 15 | $4,839 | 6.375% | — | 109 | +$381 | |
| 16 | $4,856 | 6.375% | — | 137 | +$398 | |
| 17 | $5,248 | 6.476% | — | 56 | +$790 | |
| 18 | $5,438 | 6.500% | — | 349 | +$980 | |
| 19 | $6,155 | 6.375% | — | 63 | +$1,697 | |
| 20 | $6,521 | 6.375% | — | 60 | +$2,063 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Arvest Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,458 | $7,127 | −$2,669 (−37.4%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.