Stillwater USDA Loan Rates, Closing Costs & Stats

Stillwater, 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.

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 6.03% for the week of 2024-10-11, compared to the national average (all USDA variants) of 6.08% for the same period.

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

The average rate for the prior week (2024-10-04) was 6.03% and one month ago for the week of 2024-09-06, the average rate was 5.82%.

The average rate one year ago was 7.21%.

For refis of the same type during the week of 2024-10-11, the average rate was 6.28%.

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
Stillwater's median listing price for 2024-09-01 was $254,745, a difference of $14,745 (6.1%) versus the prior year and $-1,829 versus the prior month.

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

Stillwater's average listing price for 2024-09-01 was $387,020, a difference of $72,320 (23.0%) versus the prior year and $367 versus the prior month.

For the 2024-09-01 period, Stillwater had 277 MLS listings, a difference of 17 listings (7%) versus the prior month and 65 listings (31%) 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
Stillwater's median listing age (time on market) for 2024-09-01 was 0 days.

Stillwater's median square footage for active listings during the 2024-09-01 period was 1,792 sqft. One year prior, the average listing was 1,665 sqft.