The Mortgage Record
Lender report card · New Jersey

Arvest Bank

Tulsa, OK · What the federal mortgage record shows about how Arvest Bank treated New Jersey applicants, 2018–2025 — 447 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
81.7%
365 approved
Denial rate
18.3%
82 denied
Decisions
447
2018–2025
Avg. rate spread
+0.35 pp
vs. market benchmark
81.7% approved
18.3% denied

Share of 447 New Jersey applications Arvest Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional81.5% of 433 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

30%45%60%75%90%62%75%87%89%84%33%81%73%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Arvest Bank’s rates ran +0.12 pp higher than the typical New Jersey lender (average rate spread +0.35 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Arvest Bank approves

By income
$50–75k72.9% · 70$75–100k82.9% · 82$100–150k85.5% · 131$150–250k87.1% · 101$250k+88.6% · 35
By debt-to-income
Under 36%89.4% · 18836–43%84.7% · 11143–50%88.5% · 104Over 50%15.4% · 39
By down payment (LTV)
20%+ down89.6% · 347

Why Arvest Bank denied applications

Debt-to-income ratio40% of denialsIncomplete application30% of denialsCredit history23% of denialsOther7% of denialsCollateral (value/type)5% of denialsUnverifiable information5% of denials

Where Arvest Bank lends in NJ

CountyDecisionsApproval
Bergen County5879.3%
Monmouth County5583.6%
Middlesex County4080.0%
Ocean County3992.3%
Morris County3076.7%
Mercer County2975.9%

Consumer complaints

CFPB complaints
11
from NJ, 2022–present

Complaints New Jersey mortgage customers filed against Arvest Bank with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Arvest Bank (LEI COINQMNIM6RBU631DD85). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →