Ardmore Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ardmore averaged
6.9%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.23% and
one month ago for the week of 2025-05-15, the
average rate was 6.9%.
Ardmore's average rate one year ago was 7.04%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Ardmore 30 Year Fixed Rate | 2025-06-18 | 6.9% |
| Ardmore 30 Year Fixed Rate Refi | 2025-06-18 | 6.91% |
| Ardmore 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Ardmore 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Ardmore 30 Year FHA | 2025-06-18 | 0.13% |
| Ardmore 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Ardmore 30 Year USDA | 2025-06-18 | -0.1% |
| Ardmore 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Ardmore 30 Year VA | 2025-06-18 | 0.2% |
| Ardmore 30 Year VA Refi | 2025-06-18 | 0% |
Ardmore Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Ardmore, OK market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Ardmore Average Closing Costs & Other Stats
Ardmore, OK's 66 lenders originated 878
loans during 2024. The total origination value was $150,840,000, with an average loan value of
$171,800.
Ardmore's average closing costs are $5,548.
The top Ardmore lender as defined by loan originations is Gateway First Bank, with
22 loans originated. Their average total fees are
$5,213, which is $2,395
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Ardmore lenders (with over 10 loans originated) are
ASSOCIATED MORTGAGE CORPORATION ($4,174), BancFirst ($5,001), Gateway First Bank ($5,213), First United Bank and Trust Company ($5,294) and QUICKEN LOANS, LLC ($7,608).
The lowest rate Ardmore lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.82%), ASSOCIATED MORTGAGE CORPORATION (6.84%), Gateway First Bank (6.89%), BancFirst (6.96%) and First United Bank and Trust Company (7.05%).
Ardmore, OK Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| BancFirst | $15,935,000 | $13,855,000 | -13.1% | 9.2% |
| ASSOCIATED MORTGAGE CORPORATION | $9,045,000 | $11,640,000 | 28.7% | 7.7% |
| QUICKEN LOANS, LLC | $7,600,000 | $8,875,000 | 16.8% | 5.9% |
| American Nation Bank | $7,785,000 | $8,005,000 | 2.8% | 5.3% |
| First National Bank and Trust Company of Ardmore | $6,125,000 | $7,250,000 | 18.4% | 4.8% |
| First United Bank and Trust Company | $12,270,000 | $6,620,000 | -46.0% | 4.4% |
| Gateway First Bank | $7,025,000 | $6,145,000 | -12.5% | 4.1% |
| First Bank & Trust Co. | $5,180,000 | $5,780,000 | 11.6% | 3.8% |
| Mortgage Research Center, LLC | $4,215,000 | $5,265,000 | 24.9% | 3.5% |
| 21ST MORTGAGE CORPORATION | $3,645,000 | $4,180,000 | 14.7% | 2.8% |
| GUILD MORTGAGE COMPANY | $1,440,000 | $3,915,000 | 171.9% | 2.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,595,000 | $3,475,000 | 33.9% | 2.3% |
| TOWNE MORTGAGE COMPANY | $1,120,000 | $3,260,000 | 191.1% | 2.2% |
| Simmons Bank | $1,605,000 | $2,540,000 | 58.3% | 1.7% |
| NEWREZ LLC | $5,995,000 | $2,335,000 | -61.1% | 1.5% |
| LOANDEPOT.COM, LLC | $1,155,000 | $2,305,000 | 99.6% | 1.5% |
| Fifth Third Bank | $1,915,000 | n/a | 1.3% | |
| Chickasaw Community Bank | $2,595,000 | $1,880,000 | -27.6% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $2,120,000 | $1,855,000 | -12.5% | 1.2% |
| Third Coast Bank SSB | $1,480,000 | $1,630,000 | 10.1% | 1.1% |
| BROKER SOLUTIONS, INC. | $505,000 | $1,495,000 | 196.0% | 1.0% |
| COMMUNICATION | $2,110,000 | $1,425,000 | -32.5% | 0.9% |
| MTC Federal Credit Union | $965,000 | $1,220,000 | 26.4% | 0.8% |
| NEW DAY FINANCIAL, LLC | $530,000 | $1,190,000 | 124.5% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $250,000 | $1,170,000 | 368.0% | 0.8% |
| SOUTHWEST STAGE FUNDING, LLC | $580,000 | $1,160,000 | 100.0% | 0.8% |
| Arvest Bank | $330,000 | $1,150,000 | 248.5% | 0.8% |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,140,000 | n/a | 0.8% | |
| CSL Financial, LLC | $160,000 | $1,130,000 | 606.3% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $240,000 | $1,110,000 | 362.5% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $755,000 | $1,100,000 | 45.7% | 0.7% |
| First State Bank | $930,000 | $995,000 | 7.0% | 0.7% |
| TRIAD FINANCIAL SERVICES, INC. | $230,000 | $905,000 | 293.5% | 0.6% |
| COUNTRYPLACE MORTGAGE, LTD. | $420,000 | $900,000 | 114.3% | 0.6% |
| Stride Bank | $900,000 | n/a | 0.6% | |
| BMO Harris Bank | $330,000 | $895,000 | 171.2% | 0.6% |
| PLAZA HOME MORTGAGE, INC. | $2,685,000 | $880,000 | -67.2% | 0.6% |
| Vision Bank | $590,000 | $855,000 | 44.9% | 0.6% |
| JPMorgan Chase Bank | $1,965,000 | $810,000 | -58.8% | 0.5% |
| F & M Bank | $1,810,000 | $780,000 | -56.9% | 0.5% |
| American Mortgage & Equity Consultants, Inc. | $775,000 | n/a | 0.5% | |
| FLAT BRANCH MORTGAGE, INC. | $65,000 | $770,000 | 1,084.6% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $645,000 | n/a | 0.4% | |
| Great Plains National Bank | $640,000 | n/a | 0.4% | |
| GUARANTEED RATE, INC. | $1,730,000 | $625,000 | -63.9% | 0.4% |
| GUARANTEED RATE AFFINITY, LLC | $615,000 | n/a | 0.4% | |
| American National Bank & Trust | $570,000 | n/a | 0.4% | |
| Bank of America | $240,000 | $550,000 | 129.2% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,520,000 | $550,000 | -63.8% | 0.4% |
| UNITED BUILT HOMES, L.L.C. | $550,000 | n/a | 0.4% | |
| U.S. Bank | $470,000 | $540,000 | 14.9% | 0.4% |
| UNION HOME MORTGAGE CORP. | $335,000 | $525,000 | 56.7% | 0.3% |
| LOANPAL, LLC | $640,000 | $505,000 | -21.1% | 0.3% |
| Farm Credit Mid-America, ACA | $485,000 | n/a | 0.3% | |
| LEADERONE FINANCIAL CORPORATION | $475,000 | n/a | 0.3% | |
| V.I.P. MORTGAGE, INC. | $460,000 | n/a | 0.3% | |
| SOUTHWEST FUNDING, LP | $455,000 | n/a | 0.3% | |
| Wells Fargo Bank | $215,000 | $450,000 | 109.3% | 0.3% |
| Equity Prime Mortgage LLC | $480,000 | $445,000 | -7.3% | 0.3% |
| CARDINAL FINANCIAL | $950,000 | $440,000 | -53.7% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $660,000 | $435,000 | -34.1% | 0.3% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $420,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $480,000 | $420,000 | -12.5% | 0.3% |
| Barrington Bank & Trust Company, N.A. | $675,000 | $415,000 | -38.5% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $390,000 | $410,000 | 5.1% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $405,000 | n/a | 0.3% | |
| First National Bank and Trust Company | $305,000 | $400,000 | 31.1% | 0.3% |
| Waterstone Mortgage Corporation | $390,000 | n/a | 0.3% | |
| AmeriHome Mortgage Company, LLC | $695,000 | $385,000 | -44.6% | 0.3% |
| The Loan Store, Inc. | $380,000 | n/a | 0.3% | |
| PLANET HOME LENDING, LLC | $375,000 | n/a | 0.2% | |
| MORTGAGEONE, INC. | $360,000 | n/a | 0.2% | |
| CLEARPATH LENDING | $355,000 | n/a | 0.2% | |
| CREDIT UNION OF AMERICA | $355,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $355,000 | n/a | 0.2% | |
| Discover Bank | $35,000 | $340,000 | 871.4% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $335,000 | n/a | 0.2% | |
| CALCON MUTUAL MORTGAGE LLC | $245,000 | $315,000 | 28.6% | 0.2% |
| ZILLOW HOME LOANS, LLC | $165,000 | $315,000 | 90.9% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $300,000 | n/a | 0.2% | |
| Deere Employees Credit Union | $295,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $290,000 | n/a | 0.2% | |
| First Federal Bank | $285,000 | n/a | 0.2% | |
| NexBank | $285,000 | n/a | 0.2% | |
| CONSTRUCTIVE LOANS, LLC | $275,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $905,000 | $240,000 | -73.5% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $230,000 | n/a | 0.2% | |
| Tinker Federal Credit Union | $150,000 | $230,000 | 53.3% | 0.2% |
| BLUE SKY BANK | $225,000 | n/a | 0.1% | |
| CHEVRON | $225,000 | n/a | 0.1% | |
| First Oklahoma Bank | $95,000 | $225,000 | 136.8% | 0.1% |
| Home Mortgage Alliance Corp | $225,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $225,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $345,000 | $225,000 | -34.8% | 0.1% |
| Figure Lending LLC | $95,000 | $220,000 | 131.6% | 0.1% |
| T2 FINANCIAL LLC | $215,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $205,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $790,000 | $185,000 | -76.6% | 0.1% |
| Plains Commerce Bank | $205,000 | $185,000 | -9.8% | 0.1% |
| Firstar Bank | $175,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $175,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $165,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $75,000 | $160,000 | 113.3% | 0.1% |
| Commerce Bank | $155,000 | n/a | 0.1% | |
| Nations Lending Corporation | $155,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $460,000 | $135,000 | -70.7% | 0.1% |
| Equity Bank | $135,000 | n/a | 0.1% | |
| Independent Bank | $135,000 | n/a | 0.1% | |
| Tulsa Federal Credit Union | $135,000 | n/a | 0.1% | |
| Coastal Community Bank | $50,000 | $130,000 | 160.0% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $125,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $115,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $105,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $165,000 | $105,000 | -36.4% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $130,000 | $105,000 | -19.2% | 0.1% |
| ALLEGACY FEDERAL CREDIT UNION | $95,000 | n/a | 0.1% | |
| COMMUNITY BANK | $95,000 | n/a | 0.1% | |
| The First National Bank of Tom Bean | $95,000 | n/a | 0.1% | |
| OCMBC, INC. | $85,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $575,000 | $75,000 | -87.0% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $65,000 | n/a | 0.0% | |
| Community National Bank & Trust of Texas | $45,000 | n/a | 0.0% | |
| Legend Bank, N.A. | $45,000 | n/a | 0.0% | |
| Legacy Bank | $25,000 | $25,000 | 0.0% | 0.0% |
| OKLAHOMA CENTRAL Credit Union | $25,000 | n/a | 0.0% |
Ardmore's top lender by overall market share is BancFirst, with 9.2% market share. In second place, with 7.7%, is ASSOCIATED MORTGAGE CORPORATION, having originated $11,640,000 in loans. In third place, with 5.9%, is QUICKEN LOANS, LLC, having originated $8,875,000 in loans. In fourth place, with 5.3%, is American Nation Bank, having originated $8,005,000 in loans. In fifth place, with 4.8%, is First National Bank and Trust Company of Ardmore, having originated $7,250,000 in loans.
Ardmore, OK Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 555 | $107,265,000 | $193,270 |
| Refi | 101 | $16,855,000 | $166,881 |
| Cash Out Refi | 95 | $17,045,000 | $179,421 |
| Other | 80 | $5,930,000 | $74,125 |
| Home Improvement | 47 | $3,745,000 | $79,681 |
Ardmore's most frequently cited loan purpose was Home Purchase, with 555 originations. The 2nd most popular reason was Refi, with 101 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 292 | $59,770,000 | $204,692 |
| 7-8% | 180 | $30,010,000 | $166,722 |
| Over 8% | 177 | $18,925,000 | $106,921 |
| 5-6% | 69 | $14,955,000 | $216,739 |
| 4-5% | 6 | $2,760,000 | $460,000 |
| <2.5% | 1 | $5,000 | $5,000 |
| 3-4% | 1 | $85,000 | $85,000 |
During 2024, Ardmore's most frequently originated rate bucket was 6-7%, with 292 originations.
Loan Sizing (Ardmore, OK MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 319 | $46,635,000 | $146,191 |
| $100,000 or less | 292 | $17,750,000 | $60,788 |
| $200k-400k | 218 | $59,260,000 | $271,835 |
| $400k-600k | 39 | $18,575,000 | $476,282 |
| $600k-1000k | 9 | $6,705,000 | $745,000 |
| $Over $1MM | 1 | $1,915,000 | $1,915,000 |
Ardmore's loan sizing saw the bucket of loans from $100k-200k with 319 originations, totaling $46,635,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 357 | $72,975,000 | $204,412 |
| 60-80% | 154 | $30,460,000 | $197,792 |
| 20-40% | 84 | $7,120,000 | $84,762 |
| 40-60% | 56 | $8,100,000 | $144,643 |
| Under 20% | 40 | $1,520,000 | $38,000 |
| Over 100% | 16 | $3,500,000 | $218,750 |
Ardmore's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 357 originations, totaling $72,975,000 in origination value.