Arvest Bank in California vs the state
13.0%Denial rate-4.46 pts vs state
18.0%Decision denial rate-4.45 pts vs state
59.3%Origination rate+3.06 pts vs state
6.56%Median rate-0.06 pts vs state
-0.02Rate spread (pts)-0.30 pts vs state
$137kMedian applicant income
32Loans originated
7Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 34 | 19.1% | 6.69% | #459 |
| 2024 | 81 | 41 | 11.1% | 6.50% | #470 |
| 2025 | 54 | 32 | 13.0% | 6.56% | #513 |
What Arvest Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Arvest Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 10 | 7 | 2 | 20.0% |
| Santa Clara County | 6 | 3 | 2 | 33.3% |
| San Diego County | 4 | 2 | 1 | 25.0% |
| Alameda County | 3 | 0 | 0 | 0.0% |
| Stanislaus County | 3 | 2 | 0 | 0.0% |
| Sacramento County | 3 | 2 | 0 | 0.0% |
| Fresno County | 3 | 3 | 0 | 0.0% |
| San Bernardino County | 3 | 3 | 0 | 0.0% |
| Los Angeles County | 3 | 3 | 0 | 0.0% |
| San Joaquin County | 2 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 54 applications in 2025, of which 32 were originated and 7 denied.
13.0% of all applications, or 18.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Arvest Bank originated in California in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Arvest Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology