Arvest Bank: SBA Lending Record
What SBA's own loan files show about Arvest Bank as an SBA lender, and how a lender's record bears on a feasibility study.
Arvest Bank holds 1,053 loans approved from FY2017 to FY2026, worth $312.4 million gross. Arvest Bank shows 1,053 7(a) loans, and no 504 loans. Arvest Bank has 1,053 loans assigned to it. Arvest Bank does not guarantee 1,053 loans; SBA does.
Where Arvest Bank loans sit
Arvest Bank ranks by loans as Full-service restaurant, 59, Fitness center, 30, Medical office (physicians), 26, Automotive mechanical repair (car and truck), 23 and Coffee shop and snack bar, 23. The largest Arvest Bank group, 742 loans, fits no tracked class. Arvest Bank's states by loans run Arkansas, 483, Oklahoma, 367, Missouri, 151 and Kansas, 47.
Arvest Bank: cancellations and charge-offs
Arvest Bank has a cancellation floor of 7.8% across FY2017 to FY2024 approvals. Arvest Bank upper bound: withheld under Loan Analytics' rule. Arvest Bank gets neither zero nor an estimate. 2.6% is the Arvest Bank charge-off floor. The cohort of 609 Arvest Bank loans was disbursed in FY2017 to FY2021. Arvest Bank charge-offs within five years of approval: 1.3%. Arvest Bank floors rise only as loans age.
Arvest Bank: what a study should test
Arvest Bank lists 59 loans in the Full-service restaurant class. Arvest Bank study must prove seating demand. 59 Full-service restaurant loans leave comparable sales open. Arvest Bank study also needs labour and food cost. Arvest Bank: 30 loans in the Fitness center class. Arvest Bank study needs equipment cost. 30 Fitness center loans do not settle club pricing. Arvest Bank total of $312.4 million says nothing about any one site. Arvest Bank also has 742 loans in no tracked class. Arvest Bank: the project must carry the case. For 483 Arvest Bank loans in Arkansas, local evidence still decides. Arvest Bank should be asked directly what it needs. Arvest Bank shows 1,053 loans, not demand at any one site. Arvest Bank: competing supply near the site matters most. Arvest Bank study revenue assumptions need written support. Arvest Bank request needs build cost from quotes. Arvest Bank request: coverage holds on cautious revenue. Arvest Bank history cannot stand in for an appraisal. Arvest Bank study should state its downside case. Arvest Bank: state assumptions, test coverage, support value. Arvest Bank lists 1,053 loans and $312.4 million in gross approvals. Arvest Bank loan equity should be stated plainly.
Arvest Bank cancellation floors stop at FY2024 approvals. Arvest Bank totals take in FY2025 and FY2026 approvals. Arvest Bank cohort: 609 loans disbursed in FY2017 to FY2021. Arvest Bank figures describe loans held, not lender practices. Arvest Bank history of 1,053 loans promises nothing to a new borrower. Arvest Bank withheld values are never zeros or estimates.
SBA loans held by Arvest Bank
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 1,053 |
|---|---|
| Gross dollars approved | $312.4 million |
| SBA 7(a) loans | 1,053 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.8% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 2.6% |
| Charged off within five years of approval | 1.3% |
| Loans in that cohort | 609 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 742 |
| Full-service restaurant | 59 |
| Fitness center | 30 |
| Medical office (physicians) | 26 |
| Automotive mechanical repair (car and truck) | 23 |
| Coffee shop and snack bar | 23 |
| Limited-service restaurant | 21 |
| Beauty salon | 21 |
| Child care center | 20 |
| Dental office | 17 |
| Rehabilitation and therapy clinic | 15 |
| Veterinary clinic | 13 |
| Hotel and motel | 9 |
| Beverage manufacturing (breweries, wineries, distilleries) | 7 |
| Self storage | 6 |
| Grocery store | 6 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-8728.
Related feasibility study pages
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