Arvest Central Mortgage Company

What Arvest Central Mortgage Company does

Arvest Central Mortgage Company, operating under the legal name Arvest Bank – Mortgage Division and marketed as Arvest Mortgage, is the wholly owned mortgage origination and servicing arm of Arvest Bank, headquartered at 500 Broadway Street in Little Rock, Arkansas. The unit has operated since the parent group's founding era (1974) and functions as an internal division rather than an independent enterprise, with NMLS #403249 licensing, FDIC-insured parent status, and Equal Housing Lender designation. Its customer base is retail consumer — home buyers, refinance customers, home improvement borrowers, and hardship cases — served across the United States with a regulatory carve-out explicitly excluding New York.

The business is built on two integrated technology surfaces: the myMortgage portal (mymortgage.arvest.com) handles existing-customer servicing including online statements, automated payments, payment history, amortization schedules, 1098 tax-document retrieval, loan-payoff requests, and escrow-related services; the homeloan.arvest.com origination portal handles new purchase, refinance, and home-improvement loan applications. Loan officers are the principal sales interface, supported by phone-based assistance and digital tools such as calculators and fee schedules. The supporting resources include a Hardship Assistance program, Insurance Claims guidance, and LIBOR transition documentation.

The revenue model combines transaction-fee income from loan origination with recurring servicing fee income on retained mortgages. Pricing is quote-based and not publicly disclosed; rates are revealed only after application. Distribution is multi-channel — website and digital self-serve, loan-officer-guided assisted sales, and phone support — anchored by the parent's regional bank brand and branch footprint. The unit does not appear to pursue independent growth, product diversification, or geographic expansion outside the parent's footprint, and there is no disclosed AI, M&A, or funding activity in the available data.

Name

Arvest Central Mortgage Company

Legal name

Arvest Bank – Mortgage Division

Website

https://arvestcentralmortgage.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

51–100 employees

Short description

Arvest Central Mortgage Company is the mortgage origination and servicing division of Arvest Bank, offering purchase, refinance, and home improvement loans to US retail consumers through digital portals and loan officers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industry

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Residential mortgage lending
• Home purchase financing
• Mortgage refinancing
• Home improvement loans
• Mortgage servicing

Headquarters

HQ city

Little Rock

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Mortgage Origination: Revenue generated from originating mortgage loans for home purchases, refinances, and home improvements. The company earns origination fees and retains or sells the loans.
2. Mortgage Servicing: Revenue from servicing existing mortgage loans including collecting monthly payments, managing escrow accounts for taxes and insurance, and handling escrow disbursements.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Arvest Central Mortgage Company is the mortgage division of Arvest Bank that originates, services, and manages residential mortgage loans for individual consumers. Its offering includes purchase mortgages for home buying, refinance products, and home improvement financing, supported by loan officer guidance and an online myMortgage servicing portal that handles payments, statements, escrow, tax documents, and amortization tracking.

Product overview

Arvest Mortgage operates as a full-service mortgage provider within Arvest Bank, offering a unified platform called myMortgage for account management and mortgage servicing. The product portfolio includes online account management tools (payments, automated payments, payment history, loan payoff), document services (online statements, tax documents/1098, amortization schedules), insurance and tax tracking, and a suite of home lending products including purchase mortgages, home improvement financing, and refinancing options. Customer-facing resources include hardship assistance programs for those experiencing financial or natural disaster difficulties, insurance claims assistance, calculators, fee schedules, and LIBOR transition information. The myMortgage portal serves as the central hub for all existing customer interactions, while the separate home loan portal handles new applications and loan management.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Mortgage Loans

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• Rocket Mortgage: Rocket Mortgage is the largest U.S. retail mortgage originator and a direct competitor in residential purchase and refinance lending. Comparable in offering purchase mortgages, refinance products, and digital self-service application, but operates nationally with significantly greater scale and brand awareness.
• loanDepot: loanDepot is a national retail and wholesale mortgage lender offering purchase, refinance, and HELOC products through both digital channels and loan officer networks. Directly comparable business model combining digital origination with loan-officer-assisted sales and a servicing portfolio.
• PennyMac Financial Services: PennyMac is a major U.S. mortgage originator and servicer with both direct-to-consumer and broker channels. Comparable in combining origination and servicing revenue streams, and competes in the same purchase and refinance product categories.
• United Wholesale Mortgage: United Wholesale Mortgage is the largest U.S. wholesale mortgage lender, primarily serving independent mortgage broker partners. Comparable as a large-scale residential mortgage originator with strong technology investment, though distributed through broker partners rather than retail bank channels.
• Better.com: Better.com is a digital-first mortgage lender offering purchase and refinance products entirely online. Direct competitor in the digital self-service channel with comparable products (purchase, refinance, HELOC), but with a fully tech-native model versus Arvest's hybrid digital-plus-loan-officer approach.
• Guild Mortgage: Guild Mortgage is a retail-focused mortgage banker offering purchase and refinance products with a relationship-driven branch model. Comparable in customer segment (retail homebuyers) and product offering, with similar emphasis on loan officer guidance.
• Fairway Independent Mortgage: Fairway Independent Mortgage is a retail mortgage banker with a branch-based model across multiple U.S. states. Comparable in retail-channel orientation, purchase/refinance/home improvement product mix, and loan officer-led distribution.
• DHI Mortgage: DHI Mortgage is the mortgage subsidiary of D.R. Horton, the largest U.S. homebuilder, and originates primarily through builder relationships. Comparable in retail mortgage origination focus on home purchases, though distribution is tied to new construction rather than open market.

Broad incumbents

• Wells Fargo Home Mortgage: Wells Fargo Home Mortgage is the mortgage division of Wells Fargo, a national bank. Comparable in operating as a bank-affiliated mortgage division offering purchase, refinance, and home equity products, but at significantly greater scale and national geographic footprint.
• Bank of America Home Mortgage: Bank of America's home mortgage division offers purchase and refinance products to the bank's national customer base. Comparable as a bank-integrated mortgage business leveraging deposit-customer cross-sell, but operating at national scale with substantially larger capital base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks3 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/arvest-central-mortgage-company

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arvest Central Mortgage Company