Enid USDA Loan Rates, Closing Costs & Stats
ENID, OK
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
Enid's 1 lenders originated 3 USDA loans during 2023. The total origination value was $255,000, with an average USDA loan value of $85,000.
Enid USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Enid
averaged
-0.14%
for the week of 2024-11-29, compared to the national average (all USDA variants) of
0% for the same period.
Enid's average USDA mortgage closing costs are $4,719.
The average rate for the prior week (2024-11-22) was
6.57% and
one month ago for the week of 2024-10-25, the
average rate was 6.47%.
The average rate one year ago was 6.97%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.2%.
Enid USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Enid level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
BOKF | 1 | 7.13% | $4,257 |
The lowest fee Enid USDA lenders (with over 10 loans originated) are
.
The lowest rate Enid USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Enid (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $147,100 (-8.0%) | $187,567 (-1.2%) | 0.00 | 284 |
2018-02-01 | $142,225 (-13.5%) | $182,857 (-5.6%) | 0.00 | 273 |
2018-03-01 | $149,950 (-9.1%) | $189,762 (-1.8%) | 0.00 | 274 |
2018-04-01 | $153,550 (-7.8%) | $195,155 (-1.2%) | 0.00 | 271 |
2018-05-01 | $152,675 (-10.1%) | $197,506 (0.2%) | 0.00 | 276 |
2018-06-01 | $159,000 (-4.2%) | $198,887 (0.1%) | 0.00 | 285 |
2018-07-01 | $153,450 (-9.2%) | $196,389 (-3.5%) | 0.00 | 308 |
2018-08-01 | $157,450 (-3.9%) | $206,114 (1.9%) | 0.00 | 304 |
2018-09-01 | $165,900 (6.0%) | $209,988 (7.8%) | 0.00 | 301 |
2018-10-01 | $167,500 (11.2%) | $212,531 (12.4%) | 0.00 | 283 |
2018-11-01 | $161,825 (9.3%) | $212,436 (12.1%) | 0.00 | 276 |
2018-12-01 | $159,900 (9.2%) | $205,089 (9.2%) | 0.00 | 258 |
2019-01-01 | $165,500 (12.5%) | $208,659 (11.3%) | 0.00 | 246 |
2019-02-01 | $165,250 (16.2%) | $211,602 (15.7%) | 0.00 | 250 |
2019-03-01 | $175,786 (17.2%) | $211,017 (11.2%) | 0.00 | 267 |
2019-04-01 | $176,511 (15.0%) | $208,870 (7.0%) | 0.00 | 274 |
2019-05-01 | $161,875 (6.0%) | $199,971 (1.3%) | 0.00 | 287 |
2019-06-01 | $167,250 (5.2%) | $206,264 (3.7%) | 0.00 | 293 |
2019-07-01 | $166,875 (8.8%) | $206,287 (5.0%) | 0.00 | 277 |
2019-08-01 | $169,655 (7.8%) | $209,085 (1.4%) | 0.00 | 269 |
2019-09-01 | $169,286 (2.0%) | $207,747 (-1.1%) | 0.00 | 265 |
2019-10-01 | $169,041 (0.9%) | $206,856 (-2.7%) | 0.00 | 262 |
2019-11-01 | $169,900 (5.0%) | $205,724 (-3.2%) | 0.00 | 264 |
2019-12-01 | $159,900 (0.0%) | $194,269 (-5.3%) | 0.00 | 252 |
2020-01-01 | $152,625 (-7.8%) | $188,339 (-9.7%) | 0.00 | 253 |
2020-02-01 | $154,950 (-6.2%) | $187,959 (-11.2%) | 0.00 | 246 |
2020-03-01 | $174,825 (-0.6%) | $210,605 (-0.2%) | 0.00 | 231 |
2020-04-01 | $171,500 (-2.8%) | $209,018 (0.1%) | 0.00 | 239 |
2020-05-01 | $174,450 (7.8%) | $210,861 (5.5%) | 0.00 | 220 |
2020-06-01 | $171,450 (2.5%) | $209,788 (1.7%) | 0.00 | 213 |
2020-07-01 | $170,000 (1.9%) | $213,059 (3.3%) | 0.00 | 196 |
2020-08-01 | $169,900 (0.1%) | $211,872 (1.3%) | 0.00 | 181 |
2020-09-01 | $171,975 (1.6%) | $213,303 (2.7%) | 0.00 | 180 |
2020-10-01 | $176,200 (4.2%) | $206,144 (-0.3%) | 0.00 | 188 |
2020-11-01 | $174,925 (3.0%) | $199,125 (-3.2%) | 0.00 | 169 |
2020-12-01 | $174,500 (9.1%) | $197,553 (1.7%) | 0.00 | 157 |
2021-01-01 | $169,900 (11.3%) | $197,611 (4.9%) | 0.00 | 141 |
2021-02-01 | $157,875 (1.9%) | $189,783 (1.0%) | 0.00 | 129 |
2021-03-01 | $157,700 (-9.8%) | $188,392 (-10.6%) | 0.00 | 119 |
2021-04-01 | $157,825 (-8.0%) | $190,551 (-8.8%) | 0.00 | 108 |
2021-05-01 | $152,450 (-12.6%) | $200,909 (-4.7%) | 0.00 | 103 |
2021-06-01 | $164,950 (-3.8%) | $209,669 (-0.1%) | 0.00 | 102 |
2021-07-01 | $159,900 (-5.9%) | $204,123 (-4.2%) | 0.00 | 126 |
2021-08-01 | $149,900 (-11.8%) | $196,500 (-7.3%) | 0.00 | 157 |
2021-09-01 | $146,225 (-15.0%) | $202,293 (-5.2%) | 0.00 | 153 |
2021-10-01 | $149,900 (-14.9%) | $209,934 (1.8%) | 0.00 | 151 |
2021-11-01 | $148,425 (-15.2%) | $213,080 (7.0%) | 0.00 | 152 |
2021-12-01 | $148,900 (-14.7%) | $216,678 (9.7%) | 0.00 | 143 |
2022-01-01 | $138,700 (-18.4%) | $215,582 (9.1%) | 0.00 | 125 |
2022-02-01 | $128,700 (-18.5%) | $217,940 (14.8%) | 0.00 | 113 |
2022-03-01 | $134,250 (-14.9%) | $241,245 (28.1%) | 0.00 | 88 |
2022-04-01 | $155,000 (-1.8%) | $253,429 (33.0%) | 0.00 | 81 |
2022-05-01 | $174,925 (14.7%) | $261,459 (30.1%) | 0.00 | 86 |
2022-06-01 | $179,575 (8.9%) | $264,129 (26.0%) | 0.00 | 91 |
2022-07-01 | $182,000 (13.8%) | $229,323 (12.4%) | 0.00 | 112 |
2022-08-01 | $182,375 (21.7%) | $224,185 (14.1%) | 0.00 | 124 |
2022-09-01 | $188,000 (28.6%) | $233,524 (15.4%) | 0.00 | 129 |
2022-10-01 | $190,000 (26.8%) | $234,207 (11.6%) | 0.00 | 142 |
2022-11-01 | $192,000 (29.4%) | $224,584 (5.4%) | 0.00 | 144 |
2022-12-01 | $196,200 (31.8%) | $221,287 (2.1%) | 0.00 | 143 |
2023-01-01 | $199,900 (44.1%) | $237,516 (10.2%) | 0.00 | 131 |
2023-02-01 | $199,800 (55.2%) | $235,619 (8.1%) | 0.00 | 138 |
2023-03-01 | $236,225 (76.0%) | $265,325 (10.0%) | 0.00 | 128 |
2023-04-01 | $239,950 (54.8%) | $259,196 (2.3%) | 0.00 | 134 |
2023-05-01 | $276,100 (57.8%) | $275,652 (5.4%) | 0.00 | 128 |
2023-06-01 | $229,450 (27.8%) | $261,327 (-1.1%) | 0.00 | 121 |
2023-07-01 | $224,700 (23.5%) | $260,212 (13.5%) | 0.00 | 127 |
2023-08-01 | $217,875 (19.5%) | $254,745 (13.6%) | 0.00 | 136 |
2023-09-01 | $195,900 (4.2%) | $242,166 (3.7%) | 0.00 | 153 |
2023-10-01 | $219,950 (15.8%) | $264,323 (12.9%) | 0.00 | 151 |
2023-11-01 | $219,450 (14.3%) | $262,814 (17.0%) | 0.00 | 152 |
2023-12-01 | $230,000 (17.2%) | $267,021 (20.7%) | 0.00 | 164 |
2024-01-01 | $247,475 (23.8%) | $277,537 (16.9%) | 0.00 | 162 |
2024-02-01 | $243,950 (22.1%) | $266,931 (13.3%) | 0.00 | 175 |
2024-03-01 | $237,900 (0.7%) | $256,774 (-3.2%) | 0.00 | 167 |
2024-04-01 | $235,900 (-1.7%) | $252,561 (-2.6%) | 0.00 | 163 |
2024-05-01 | $222,500 (-19.4%) | $253,693 (-8.0%) | 0.00 | 170 |
2024-06-01 | $235,900 (2.8%) | $265,241 (1.5%) | 0.00 | 168 |
2024-07-01 | $230,150 (2.4%) | $260,336 (0.1%) | 0.00 | 178 |
2024-08-01 | $240,000 (10.2%) | $274,720 (7.8%) | 0.00 | 166 |
2024-09-01 | $239,925 (22.5%) | $266,296 (10.0%) | 0.00 | 172 |
2024-10-01 | $200,975 (-8.6%) | $246,260 (-6.8%) | 0.00 | 170 |
Enid's median listing price comes in at 0% of the national average.
Enid's average listing price for 2024-10-01 was $246,260, a difference of $-18,063 (-6.8%) versus the prior year and $-20,036 versus the prior month.
For the 2024-10-01 period, Enid had 170 MLS listings, a difference of -2 listings (-1%) versus the prior month and 19 listings (13%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Enid (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,906 sqft |
2018-02-01 | 0 days | 1,898 sqft |
2018-03-01 | 0 days | 1,914 sqft |
2018-04-01 | 0 days | 1,935 sqft |
2018-05-01 | 0 days | 1,940 sqft |
2018-06-01 | 0 days | 1,904 sqft |
2018-07-01 | 0 days | 1,876 sqft |
2018-08-01 | 0 days | 1,838 sqft |
2018-09-01 | 0 days | 1,844 sqft |
2018-10-01 | 0 days | 1,863 sqft |
2018-11-01 | 0 days | 1,840 sqft |
2018-12-01 | 0 days | 1,824 sqft |
2019-01-01 | 0 days | 1,869 sqft |
2019-02-01 | 0 days | 1,925 sqft |
2019-03-01 | 0 days | 1,924 sqft |
2019-04-01 | 0 days | 1,923 sqft |
2019-05-01 | 0 days | 1,871 sqft |
2019-06-01 | 0 days | 1,803 sqft |
2019-07-01 | 0 days | 1,808 sqft |
2019-08-01 | 0 days | 1,825 sqft |
2019-09-01 | 0 days | 1,816 sqft |
2019-10-01 | 0 days | 1,810 sqft |
2019-11-01 | 0 days | 1,819 sqft |
2019-12-01 | 0 days | 1,761 sqft |
2020-01-01 | 0 days | 1,737 sqft |
2020-02-01 | 0 days | 1,730 sqft |
2020-03-01 | 0 days | 1,833 sqft |
2020-04-01 | 0 days | 1,870 sqft |
2020-05-01 | 0 days | 1,879 sqft |
2020-06-01 | 0 days | 1,855 sqft |
2020-07-01 | 0 days | 1,918 sqft |
2020-08-01 | 0 days | 1,931 sqft |
2020-09-01 | 0 days | 1,965 sqft |
2020-10-01 | 0 days | 1,858 sqft |
2020-11-01 | 0 days | 1,886 sqft |
2020-12-01 | 0 days | 1,844 sqft |
2021-01-01 | 0 days | 1,845 sqft |
2021-02-01 | 0 days | 1,736 sqft |
2021-03-01 | 0 days | 1,799 sqft |
2021-04-01 | 0 days | 1,880 sqft |
2021-05-01 | 0 days | 1,796 sqft |
2021-06-01 | 0 days | 1,800 sqft |
2021-07-01 | 0 days | 1,812 sqft |
2021-08-01 | 0 days | 1,695 sqft |
2021-09-01 | 0 days | 1,640 sqft |
2021-10-01 | 0 days | 1,686 sqft |
2021-11-01 | 0 days | 1,697 sqft |
2021-12-01 | 0 days | 1,698 sqft |
2022-01-01 | 0 days | 1,647 sqft |
2022-02-01 | 0 days | 1,553 sqft |
2022-03-01 | 0 days | 1,575 sqft |
2022-04-01 | 0 days | 1,620 sqft |
2022-05-01 | 0 days | 1,687 sqft |
2022-06-01 | 0 days | 1,780 sqft |
2022-07-01 | 0 days | 1,757 sqft |
2022-08-01 | 0 days | 1,819 sqft |
2022-09-01 | 0 days | 1,848 sqft |
2022-10-01 | 0 days | 1,864 sqft |
2022-11-01 | 0 days | 1,849 sqft |
2022-12-01 | 0 days | 1,750 sqft |
2023-01-01 | 0 days | 1,755 sqft |
2023-02-01 | 0 days | 1,744 sqft |
2023-03-01 | 0 days | 1,796 sqft |
2023-04-01 | 0 days | 1,850 sqft |
2023-05-01 | 0 days | 1,937 sqft |
2023-06-01 | 0 days | 1,786 sqft |
2023-07-01 | 0 days | 1,797 sqft |
2023-08-01 | 0 days | 1,748 sqft |
2023-09-01 | 0 days | 1,754 sqft |
2023-10-01 | 0 days | 1,812 sqft |
2023-11-01 | 0 days | 1,803 sqft |
2023-12-01 | 0 days | 1,867 sqft |
2024-01-01 | 0 days | 1,952 sqft |
2024-02-01 | 0 days | 1,995 sqft |
2024-03-01 | 0 days | 1,925 sqft |
2024-04-01 | 0 days | 1,921 sqft |
2024-05-01 | 0 days | 1,874 sqft |
2024-06-01 | 0 days | 1,920 sqft |
2024-07-01 | 0 days | 1,906 sqft |
2024-08-01 | 0 days | 2,020 sqft |
2024-09-01 | 0 days | 1,992 sqft |
2024-10-01 | 0 days | 1,874 sqft |
Enid's median square footage for active listings during the 2024-10-01 period was 1,874 sqft. One year prior, the average listing was 1,812 sqft.