Stillwater USDA Loan Rates, Closing Costs & Stats

Stillwater, OK

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    • 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.

    Stillwater's 9 lenders originated 13 USDA loans during 2023. The total origination value was $2,095,000, with an average USDA loan value of $161,154.

    Stillwater USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Stillwater averaged 6.26% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Stillwater's average USDA mortgage closing costs are $4,740.

    The average rate for the prior week (2024-12-06) was 6.09% and one month ago for the week of 2024-11-08, the average rate was 6.41%.

    The average rate one year ago was 6.98%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Stillwater 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 Stillwater level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 2 6.94% $7,423
    SENTE MORTGAGE, INC. 2 6.88% $7,974
    CORNERSTONE HOME LENDING, INC. 2 6.50% $10,822
    GERSHMAN INVESTMENT CORP. 1 6.00% $6,911
    OPEN MORTGAGE, LLC 1 6.25% $5,985
    AMCAP MORTGAGE, LTD. 1 6.25% $4,580
    UNION HOME MORTGAGE CORP. 1 7.63% $6,064
    CARDINAL FINANCIAL 1 5.75% $8,176
    FIDELITY BANK 1 5.63% $6,615

    The top Stillwater USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 2 USDA loans originated. Their average total fees are $7,423, which is $550 lower than the next largest lender, SENTE MORTGAGE, INC..

    The lowest fee Stillwater USDA lenders (with over 10 loans originated) are .

    The lowest rate Stillwater USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Stillwater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $177,525 (11.0%) $238,269 (25.0%) 0.00 269
    2018-02-01 $183,450 (11.2%) $234,967 (21.8%) 0.00 291
    2018-03-01 $179,950 (7.7%) $235,392 (17.8%) 0.00 319
    2018-04-01 $191,600 (16.1%) $249,013 (18.2%) 0.00 292
    2018-05-01 $193,500 (15.5%) $251,836 (19.4%) 0.00 294
    2018-06-01 $189,500 (12.2%) $245,050 (14.9%) 0.00 312
    2018-07-01 $194,925 (14.7%) $247,206 (16.8%) 0.00 349
    2018-08-01 $189,550 (13.2%) $245,768 (12.8%) 0.00 345
    2018-09-01 $189,900 (13.4%) $239,567 (6.5%) 0.00 329
    2018-10-01 $181,875 (7.3%) $235,453 (-0.2%) 0.00 323
    2018-11-01 $179,998 (3.2%) $236,481 (-0.3%) 0.00 330
    2018-12-01 $179,900 (3.4%) $231,636 (-2.1%) 0.00 310
    2019-01-01 $187,850 (5.8%) $234,772 (-1.5%) 0.00 294
    2019-02-01 $189,900 (3.5%) $240,648 (2.4%) 0.00 304
    2019-03-01 $194,186 (7.9%) $246,963 (4.9%) 0.00 320
    2019-04-01 $196,586 (2.6%) $256,595 (3.0%) 0.00 331
    2019-05-01 $191,000 (-1.3%) $261,167 (3.7%) 0.00 333
    2019-06-01 $189,900 (0.2%) $255,223 (4.2%) 0.00 334
    2019-07-01 $179,950 (-7.7%) $246,472 (-0.3%) 0.00 315
    2019-08-01 $182,273 (-3.8%) $248,753 (1.2%) 0.00 317
    2019-09-01 $180,432 (-5.0%) $245,424 (2.5%) 0.00 328
    2019-10-01 $179,205 (-1.5%) $243,201 (3.3%) 0.00 337
    2019-11-01 $175,000 (-2.8%) $243,934 (3.2%) 0.00 320
    2019-12-01 $173,975 (-3.3%) $244,901 (5.7%) 0.00 287
    2020-01-01 $172,375 (-8.2%) $240,626 (2.5%) 0.00 265
    2020-02-01 $174,950 (-7.9%) $248,863 (3.4%) 0.00 273
    2020-03-01 $195,450 (0.7%) $253,298 (2.6%) 0.00 293
    2020-04-01 $199,850 (1.7%) $259,909 (1.3%) 0.00 276
    2020-05-01 $210,000 (10.0%) $269,978 (3.4%) 0.00 265
    2020-06-01 $202,475 (6.6%) $268,821 (5.3%) 0.00 263
    2020-07-01 $206,750 (14.9%) $273,466 (11.0%) 0.00 230
    2020-08-01 $209,900 (15.2%) $276,811 (11.3%) 0.00 212
    2020-09-01 $203,100 (12.6%) $270,856 (10.4%) 0.00 207
    2020-10-01 $189,900 (6.0%) $260,752 (7.2%) 0.00 195
    2020-11-01 $187,875 (7.4%) $257,394 (5.5%) 0.00 168
    2020-12-01 $190,225 (9.3%) $271,415 (10.8%) 0.00 158
    2021-01-01 $199,900 (16.0%) $269,871 (12.2%) 0.00 132
    2021-02-01 $215,000 (22.9%) $262,021 (5.3%) 0.00 128
    2021-03-01 $196,750 (0.7%) $259,941 (2.6%) 0.00 104
    2021-04-01 $193,166 (-3.3%) $274,535 (5.6%) 0.00 95
    2021-05-01 $195,245 (-7.0%) $254,774 (-5.6%) 0.00 103
    2021-06-01 $202,500 (0.0%) $289,043 (7.5%) 0.00 101
    2021-07-01 $215,000 (4.0%) $282,781 (3.4%) 0.00 139
    2021-08-01 $167,500 (-20.2%) $244,507 (-11.7%) 0.00 182
    2021-09-01 $190,145 (-6.4%) $259,119 (-4.3%) 0.00 169
    2021-10-01 $185,000 (-2.6%) $285,232 (9.4%) 0.00 169
    2021-11-01 $177,225 (-5.7%) $279,678 (8.7%) 0.00 160
    2021-12-01 $174,950 (-8.0%) $276,620 (1.9%) 0.00 143
    2022-01-01 $173,700 (-13.1%) $279,390 (3.5%) 0.00 114
    2022-02-01 $178,450 (-17.0%) $337,212 (28.7%) 0.00 79
    2022-03-01 $246,850 (25.5%) $394,394 (51.7%) 0.00 81
    2022-04-01 $251,633 (30.3%) $391,928 (42.8%) 0.00 89
    2022-05-01 $236,200 (21.0%) $344,442 (35.2%) 0.00 98
    2022-06-01 $233,750 (15.4%) $341,601 (18.2%) 0.00 106
    2022-07-01 $260,500 (21.2%) $378,452 (33.8%) 0.00 140
    2022-08-01 $284,338 (69.8%) $401,725 (64.3%) 0.00 136
    2022-09-01 $251,843 (32.5%) $382,480 (47.6%) 0.00 140
    2022-10-01 $245,000 (32.4%) $343,727 (20.5%) 0.00 156
    2022-11-01 $255,069 (43.9%) $350,091 (25.2%) 0.00 153
    2022-12-01 $251,340 (43.7%) $356,110 (28.7%) 0.00 137
    2023-01-01 $252,170 (45.2%) $365,923 (31.0%) 0.00 134
    2023-02-01 $241,853 (35.5%) $360,840 (7.0%) 0.00 124
    2023-03-01 $247,486 (0.3%) $353,764 (-10.3%) 0.00 127
    2023-04-01 $250,000 (-0.7%) $347,010 (-11.5%) 0.00 147
    2023-05-01 $272,450 (15.4%) $349,371 (1.4%) 0.00 174
    2023-06-01 $274,950 (17.6%) $340,020 (-0.5%) 0.00 160
    2023-07-01 $253,042 (-2.9%) $325,448 (-14.0%) 0.00 188
    2023-08-01 $267,125 (-6.1%) $319,615 (-20.4%) 0.00 196
    2023-09-01 $240,000 (-4.7%) $314,700 (-17.7%) 0.00 212
    2023-10-01 $237,175 (-3.2%) $304,199 (-11.5%) 0.00 216
    2023-11-01 $249,350 (-2.2%) $340,735 (-2.7%) 0.00 212
    2023-12-01 $239,900 (-4.6%) $337,550 (-5.2%) 0.00 208
    2024-01-01 $231,371 (-8.3%) $334,865 (-8.5%) 0.00 207
    2024-02-01 $236,504 (-2.2%) $357,498 (-0.9%) 0.00 209
    2024-03-01 $240,000 (-3.0%) $369,940 (4.6%) 0.00 217
    2024-04-01 $264,495 (5.8%) $416,794 (20.1%) 0.00 214
    2024-05-01 $256,764 (-5.8%) $378,638 (8.4%) 0.00 235
    2024-06-01 $256,900 (-6.6%) $387,236 (13.9%) 0.00 258
    2024-07-01 $259,945 (2.7%) $393,782 (21.0%) 0.00 261
    2024-08-01 $256,574 (-4.0%) $386,653 (21.0%) 0.00 260
    2024-09-01 $254,745 (6.1%) $387,020 (23.0%) 0.00 277
    2024-10-01 $253,994 (7.1%) $389,686 (28.1%) 0.00 265
    2024-11-01 $259,990 (4.3%) $387,337 (13.7%) 0.00 260
    Stillwater's median listing price for 2024-11-01 was $259,990, a difference of $10,640 (4.3%) versus the prior year and $5,996 versus the prior month.

    Stillwater's median listing price comes in at 0% of the national average.

    Stillwater's average listing price for 2024-11-01 was $387,337, a difference of $46,602 (13.7%) versus the prior year and $-2,349 versus the prior month.

    For the 2024-11-01 period, Stillwater had 260 MLS listings, a difference of -5 listings (-2%) versus the prior month and 48 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Stillwater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,751 sqft
    2018-02-01 0 days 1,770 sqft
    2018-03-01 0 days 1,818 sqft
    2018-04-01 0 days 1,839 sqft
    2018-05-01 0 days 1,897 sqft
    2018-06-01 0 days 1,842 sqft
    2018-07-01 0 days 1,875 sqft
    2018-08-01 0 days 1,841 sqft
    2018-09-01 0 days 1,813 sqft
    2018-10-01 0 days 1,776 sqft
    2018-11-01 0 days 1,823 sqft
    2018-12-01 0 days 1,746 sqft
    2019-01-01 0 days 1,749 sqft
    2019-02-01 0 days 1,815 sqft
    2019-03-01 0 days 1,845 sqft
    2019-04-01 0 days 1,878 sqft
    2019-05-01 0 days 1,894 sqft
    2019-06-01 0 days 1,864 sqft
    2019-07-01 0 days 1,798 sqft
    2019-08-01 0 days 1,797 sqft
    2019-09-01 0 days 1,787 sqft
    2019-10-01 0 days 1,780 sqft
    2019-11-01 0 days 1,780 sqft
    2019-12-01 0 days 1,811 sqft
    2020-01-01 0 days 1,791 sqft
    2020-02-01 0 days 1,772 sqft
    2020-03-01 0 days 1,829 sqft
    2020-04-01 0 days 1,879 sqft
    2020-05-01 0 days 1,917 sqft
    2020-06-01 0 days 1,865 sqft
    2020-07-01 0 days 1,872 sqft
    2020-08-01 0 days 1,881 sqft
    2020-09-01 0 days 1,802 sqft
    2020-10-01 0 days 1,760 sqft
    2020-11-01 0 days 1,722 sqft
    2020-12-01 0 days 1,760 sqft
    2021-01-01 0 days 1,806 sqft
    2021-02-01 0 days 1,847 sqft
    2021-03-01 0 days 1,767 sqft
    2021-04-01 0 days 1,727 sqft
    2021-05-01 0 days 1,548 sqft
    2021-06-01 0 days 1,545 sqft
    2021-07-01 0 days 1,713 sqft
    2021-08-01 0 days 1,391 sqft
    2021-09-01 0 days 1,528 sqft
    2021-10-01 0 days 1,477 sqft
    2021-11-01 0 days 1,434 sqft
    2021-12-01 0 days 1,511 sqft
    2022-01-01 0 days 1,458 sqft
    2022-02-01 0 days 1,494 sqft
    2022-03-01 0 days 1,778 sqft
    2022-04-01 0 days 1,839 sqft
    2022-05-01 0 days 1,655 sqft
    2022-06-01 0 days 1,743 sqft
    2022-07-01 0 days 1,966 sqft
    2022-08-01 0 days 2,041 sqft
    2022-09-01 0 days 1,917 sqft
    2022-10-01 0 days 1,900 sqft
    2022-11-01 0 days 1,916 sqft
    2022-12-01 0 days 1,884 sqft
    2023-01-01 0 days 1,869 sqft
    2023-02-01 0 days 1,840 sqft
    2023-03-01 0 days 1,818 sqft
    2023-04-01 0 days 1,718 sqft
    2023-05-01 0 days 1,753 sqft
    2023-06-01 0 days 1,768 sqft
    2023-07-01 0 days 1,661 sqft
    2023-08-01 0 days 1,698 sqft
    2023-09-01 0 days 1,665 sqft
    2023-10-01 0 days 1,633 sqft
    2023-11-01 0 days 1,691 sqft
    2023-12-01 0 days 1,690 sqft
    2024-01-01 0 days 1,628 sqft
    2024-02-01 0 days 1,676 sqft
    2024-03-01 0 days 1,676 sqft
    2024-04-01 0 days 1,768 sqft
    2024-05-01 0 days 1,747 sqft
    2024-06-01 0 days 1,775 sqft
    2024-07-01 0 days 1,800 sqft
    2024-08-01 0 days 1,758 sqft
    2024-09-01 0 days 1,792 sqft
    2024-10-01 0 days 1,776 sqft
    2024-11-01 0 days 1,837 sqft
    Stillwater's median listing age (time on market) for 2024-11-01 was 0 days.

    Stillwater's median square footage for active listings during the 2024-11-01 period was 1,837 sqft. One year prior, the average listing was 1,691 sqft.