Bartlesville Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Bartlesville averaged 6.97% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.5% and one month ago for the week of 2024-10-03, the average rate was 6.2%.

    Bartlesville's average rate one year ago was 7.84%.

    For refis of the same type during the week of 2024-11-07, the average rate was 6.69%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Bartlesville 30 Year Fixed Rate 2024-11-07 6.97%
    Bartlesville 30 Year Fixed Rate Refi 2024-11-07 6.69%
    Bartlesville 15 Year Fixed Rate 2024-11-07 5.9%
    Bartlesville 15 Year Fixed Rate Refi 2024-11-07 5.9%
    Bartlesville 30 Year FHA 2024-11-07 6.67%
    Bartlesville 30 Year FHA Refi 2024-11-07 6.43%
    Bartlesville 30 Year USDA 2024-11-07 6.28%
    Bartlesville 30 Year USDA Refi 2024-11-07 6.28%
    Bartlesville 30 Year VA 2024-11-07 6.32%
    Bartlesville 30 Year VA Refi 2024-11-07 6.44%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bartlesville, OK.

    Bartlesville 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 Bartlesville, 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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Truity Federal Credit Union 79 6.64% $3,932
    Arvest Bank 48 6.78% $4,088
    QUICKEN LOANS, LLC 25 6.69% $7,180
    United Fidelity Funding Corp. 18 6.45% $5,904
    ASSOCIATED MORTGAGE CORPORATION 17 6.56% $5,118
    FLAT BRANCH MORTGAGE, INC. 11 6.79% $5,232
    BancFirst 9 6.99% $4,803
    American Bank of Oklahoma 7 6.75% $4,393
    BOKF 7 6.95% $4,799
    CORNERSTONE HOME LENDING, INC. 6 7.31% $6,297
    Gateway First Bank 6 7.06% $4,505
    PREMIA MORTGAGE, LLC 5 6.03% $1,770
    UNITED WHOLESALE MORTGAGE, LLC 5 6.70% $8,326
    OPEN MORTGAGE, LLC 4 6.28% $8,438
    DHI MORTGAGE COMPANY, LTD. 4 5.94% $3,331
    Stride Bank 4 6.47% $4,819
    THE MORTGAGE LINK, INC. 4 6.84% $5,439
    US MORTGAGE CORPORATION 4 6.19% $5,593
    GUILD MORTGAGE COMPANY 3 7.71% $5,408
    Wells Fargo Bank 3 7.29% $2,691
    Tulsa Federal Credit Union 3 6.79% $3,191
    DIGITAL Federal Credit Union 2 6.06% $4,552
    CROSSCOUNTRY MORTGAGE, LLC 2 7.48% $7,411
    NEWREZ LLC 2 7.06% $3,906
    Armstrong Bank 2 7.12% $3,988
    PENNYMAC LOAN SERVICES, LLC 2 6.43% $6,338
    TTCU Federal Credit Union 2 5.75% $3,950
    BROKER SOLUTIONS, INC. 2 7.94% $5,469
    TRIAD FINANCIAL SERVICES, INC. 2 8.94% $3,274
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.99% $5,411
    RCB Bank 1 5.36% $2,994
    Regent Financial Group, Inc. 1 6.99% $7,200
    Servion, Inc. 1 6.50% $4,361
    Sierra Pacific Mortgage Company, Inc. 1 7.88% $4,397
    Simmons Bank 1 7.13% $3,623
    Stifel Bank and Trust 1 5.50% $3,722
    The Central Trust Bank 1 7.13% $5,179
    UNION HOME MORTGAGE CORP. 1 7.13% $5,408
    USAA Federal Savings Bank 1 6.88% $3,200
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.99% $3,272
    WEOKIE 1 5.00% $4,472
    West Gate Bank 1 6.63% $4,082
    21ST MORTGAGE CORPORATION 1 8.56% $6,680
    ZILLOW HOME LOANS, LLC 1 7.13% $5,108
    AMERICAN HERITAGE LENDING, INC. 1 8.50% $12,407
    American Mortgage & Equity Consultants, Inc. 1 6.88% $23,077
    AmeriHome Mortgage Company, LLC 1 6.63% $4,464
    AXIA FINANCIAL, LLC 1 6.88% $6,889
    BAY EQUITY LLC 1 5.99% $5,607
    CALCON MUTUAL MORTGAGE LLC 1 7.38% $8,396
    CANOPY MORTGAGE, LLC 1 7.50% $8,770
    CHURCHILL MORTGAGE CORPORATION 1 6.99% $4,996
    Citibank 1 6.50% $7,753
    Citizens Bank 1 6.63% $3,948
    Community National Bank & Trust 1 7.63% $5,331
    Discover Bank 1 7.79% $0
    Firstar Bank 1 7.88% $4,616
    FREEDOM MORTGAGE CORPORATION 1 8.25% $5,169
    GUARANTEED RATE AFFINITY, LLC 1 7.13% $6,389
    GUARANTEED RATE, INC. 1 6.38% $3,776
    JPMorgan Chase Bank 1 7.38% $3,139
    KELLER MORTGAGE, LLC 1 5.88% $3,967
    Mabrey Bank 1 7.25% $4,024
    MICHIGAN MUTUAL, INC. 1 6.63% $2,426
    MORTGAGE CLEARING CORPORATION 1 6.50% $3,918
    Mortgage Research Center, LLC 1 7.38% $0
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.00% $6,073
    Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $7,781
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.13% $7,155
    NAVY FEDERAL CREDIT UNION 1 6.63% $2,045
    Neighborhood Loans, Inc. 1 7.50% $7,373
    PENTAGON FEDERAL CREDIT UNION 1 6.50% $3,527

    Bartlesville Average Closing Costs & Other Stats

    Bartlesville, OK's 72 lenders originated 969 loans during 2023. The total origination value was $170,135,000, with an average loan value of $175,578.

    Bartlesville's average closing costs are $5,060.

    The top Bartlesville lender as defined by loan originations is Truity Federal Credit Union, with 79 loans originated. Their average total fees are $3,932, which is $155 lower than the next largest lender, Arvest Bank.

    The lowest fee Bartlesville lenders (with over 10 loans originated) are Truity Federal Credit Union ($3,932), Arvest Bank ($4,088), ASSOCIATED MORTGAGE CORPORATION ($5,118), FLAT BRANCH MORTGAGE, INC. ($5,232) and United Fidelity Funding Corp. ($5,904).

    The lowest rate Bartlesville lenders (with over 10 loans originated) are United Fidelity Funding Corp. (6.45%), ASSOCIATED MORTGAGE CORPORATION (6.56%), Truity Federal Credit Union (6.64%), QUICKEN LOANS, LLC (6.69%) and Arvest Bank (6.78%).

    Bartlesville, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Truity Federal Credit Union $31,620,000 $23,560,000 -25.5% 13.8%
    Arvest Bank $27,730,000 $18,670,000 -32.7% 11.0%
    BERKELEY POINT CAPITAL LLC $15,005,000 n/a 8.8%
    QUICKEN LOANS, LLC $12,485,000 $10,765,000 -13.8% 6.3%
    ASSOCIATED MORTGAGE CORPORATION $7,630,000 $7,825,000 2.6% 4.6%
    Mortgage Research Center, LLC $6,255,000 $6,940,000 11.0% 4.1%
    United Fidelity Funding Corp. $7,405,000 $6,575,000 -11.2% 3.9%
    BancFirst $7,750,000 $5,995,000 -22.6% 3.5%
    OPEN MORTGAGE, LLC $3,355,000 $4,950,000 47.5% 2.9%
    FLAT BRANCH MORTGAGE, INC. $3,200,000 $3,380,000 5.6% 2.0%
    American Bank of Oklahoma $3,845,000 $3,260,000 -15.2% 1.9%
    PREMIA MORTGAGE, LLC $2,800,000 n/a 1.6%
    UNITED WHOLESALE MORTGAGE, LLC $1,810,000 $2,660,000 47.0% 1.6%
    BOKF $4,760,000 $2,425,000 -49.1% 1.4%
    Armstrong Bank $2,800,000 $2,245,000 -19.8% 1.3%
    First Oklahoma Bank $595,000 $1,995,000 235.3% 1.2%
    Gateway First Bank $2,900,000 $1,840,000 -36.6% 1.1%
    Stride Bank $5,415,000 $1,820,000 -66.4% 1.1%
    DHI MORTGAGE COMPANY, LTD. $7,455,000 $1,665,000 -77.7% 1.0%
    CORNERSTONE HOME LENDING, INC. $1,125,000 $1,575,000 40.0% 0.9%
    Regent Bank $2,955,000 $1,575,000 -46.7% 0.9%
    PENNYMAC LOAN SERVICES, LLC $1,450,000 $1,405,000 -3.1% 0.8%
    Equity Bank $1,615,000 $1,395,000 -13.6% 0.8%
    Regent Financial Group, Inc. $585,000 $1,375,000 135.0% 0.8%
    The Central Trust Bank $85,000 $1,215,000 1,329.4% 0.7%
    US MORTGAGE CORPORATION $1,610,000 $1,055,000 -34.5% 0.6%
    NAVY FEDERAL CREDIT UNION $1,045,000 $1,050,000 0.5% 0.6%
    First United Bank and Trust Company $4,770,000 $995,000 -79.1% 0.6%
    21ST MORTGAGE CORPORATION $530,000 $895,000 68.9% 0.5%
    RCB Bank $3,490,000 $855,000 -75.5% 0.5%
    TTCU Federal Credit Union $690,000 $855,000 23.9% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,165,000 $840,000 -27.9% 0.5%
    NEWREZ LLC $350,000 $815,000 132.9% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $395,000 $780,000 97.5% 0.5%
    Citizens Bank $470,000 $765,000 62.8% 0.4%
    Wells Fargo Bank $2,105,000 $755,000 -64.1% 0.4%
    THE MORTGAGE LINK, INC. $725,000 n/a 0.4%
    CARDINAL FINANCIAL $565,000 $705,000 24.8% 0.4%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $605,000 $705,000 16.5% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $730,000 $665,000 -8.9% 0.4%
    NEW DAY FINANCIAL, LLC $870,000 $665,000 -23.6% 0.4%
    DIGITAL Federal Credit Union $295,000 $640,000 116.9% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $970,000 $620,000 -36.1% 0.4%
    Chickasaw Community Bank $1,390,000 $565,000 -59.4% 0.3%
    MID AMERICA MORTGAGE, INC. $405,000 $550,000 35.8% 0.3%
    BROKER SOLUTIONS, INC. $1,170,000 $545,000 -53.4% 0.3%
    Servion, Inc. $535,000 n/a 0.3%
    Grand Savings Bank $525,000 n/a 0.3%
    The Union State Bank $1,800,000 $515,000 -71.4% 0.3%
    American Mortgage & Equity Consultants, Inc. $505,000 n/a 0.3%
    Community National Bank & Trust $675,000 $495,000 -26.7% 0.3%
    COUNTRYPLACE MORTGAGE, LTD. $495,000 n/a 0.3%
    GUARANTEED RATE, INC. $675,000 $495,000 -26.7% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $620,000 $490,000 -21.0% 0.3%
    GUILD MORTGAGE COMPANY $1,105,000 $440,000 -60.2% 0.3%
    The Federal Savings Bank $430,000 n/a 0.3%
    Barrington Bank & Trust Company, N.A. $225,000 $410,000 82.2% 0.2%
    LOANPAL, LLC $320,000 $410,000 28.1% 0.2%
    JPMorgan Chase Bank $975,000 $400,000 -59.0% 0.2%
    Firstar Bank $365,000 n/a 0.2%
    American Heritage Bank $1,250,000 $345,000 -72.4% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $340,000 n/a 0.2%
    AmeriHome Mortgage Company, LLC $475,000 $340,000 -28.4% 0.2%
    FIRST AMERICAN MORTGAGE, INC. $340,000 n/a 0.2%
    FREEDOM MORTGAGE CORPORATION $1,680,000 $340,000 -79.8% 0.2%
    SOUTHWEST STAGE FUNDING, LLC $95,000 $330,000 247.4% 0.2%
    PNC Bank $315,000 n/a 0.2%
    SENTE MORTGAGE, INC. $930,000 $315,000 -66.1% 0.2%
    Citibank $310,000 n/a 0.2%
    TOTAL MORTGAGE SERVICES, LLC $310,000 n/a 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $85,000 $305,000 258.8% 0.2%
    Stifel Bank and Trust $305,000 n/a 0.2%
    Ixonia Bank $285,000 n/a 0.2%
    Waterstone Mortgage Corporation $1,105,000 $285,000 -74.2% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $1,915,000 $275,000 -85.6% 0.2%
    TOWNE MORTGAGE COMPANY $275,000 n/a 0.2%
    Tulsa Federal Credit Union $240,000 $275,000 14.6% 0.2%
    TRIAD FINANCIAL SERVICES, INC. $45,000 $260,000 477.8% 0.2%
    AMERICAN HERITAGE LENDING, INC. $255,000 n/a 0.1%
    Neighborhood Loans, Inc. $265,000 $255,000 -3.8% 0.1%
    AMWEST FUNDING CORP. $250,000 n/a 0.1%
    CALCON MUTUAL MORTGAGE LLC $250,000 n/a 0.1%
    Flagstar Bank, FSB $345,000 $250,000 -27.5% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $245,000 n/a 0.1%
    AVB Bank $135,000 $245,000 81.5% 0.1%
    POLARIS HOME FUNDING CORP. $245,000 n/a 0.1%
    Sierra Pacific Mortgage Company, Inc. $245,000 n/a 0.1%
    BLUE SKY BANK $240,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $385,000 $230,000 -40.3% 0.1%
    WEOKIE $225,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $125,000 $215,000 72.0% 0.1%
    MICHIGAN MUTUAL, INC. $205,000 n/a 0.1%
    VAN DYK MORTGAGE CORPORATION $205,000 n/a 0.1%
    Carrington Mortgage Services, LLC $505,000 $200,000 -60.4% 0.1%
    JLB CORPORATION $195,000 n/a 0.1%
    KELLER MORTGAGE, LLC $760,000 $195,000 -74.3% 0.1%
    PENTAGON FEDERAL CREDIT UNION $285,000 $195,000 -31.6% 0.1%
    Simmons Bank $195,000 n/a 0.1%
    Discover Bank $190,000 n/a 0.1%
    Mabrey Bank $75,000 $190,000 153.3% 0.1%
    GUARANTEED RATE AFFINITY, LLC $185,000 n/a 0.1%
    West Gate Bank $185,000 n/a 0.1%
    USAA Federal Savings Bank $860,000 $180,000 -79.1% 0.1%
    Fidelity Bank $175,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $335,000 $175,000 -47.8% 0.1%
    MORTGAGE CLEARING CORPORATION $145,000 $155,000 6.9% 0.1%
    TIB The Independent Bankersbank $155,000 n/a 0.1%
    First Fidelity Bank $150,000 n/a 0.1%
    FINANCIAL CONCEPTS MORTGAGE, LLC $135,000 $145,000 7.4% 0.1%
    A&D Mortgage LLC $135,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $215,000 $125,000 -41.9% 0.1%
    The First National Bank of Fort Smith $125,000 n/a 0.1%
    UNION HOME MORTGAGE CORP. $125,000 n/a 0.1%
    CANOPY MORTGAGE, LLC $115,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $530,000 $115,000 -78.3% 0.1%
    EVERETT FINANCIAL, INC. $2,600,000 $115,000 -95.6% 0.1%
    PREMIER MORTGAGE RESOURCES, L.L.C. $115,000 n/a 0.1%
    DAS Acquisition Company, LLC $95,000 n/a 0.1%
    LENDINGONE, LLC $1,325,000 $95,000 -92.8% 0.1%
    The First National Bank and Trust Company of Broken Arrow $95,000 n/a 0.1%
    UMB Bank $95,000 n/a 0.1%
    Figure Lending LLC $90,000 n/a 0.1%
    BAY EQUITY LLC $145,000 $85,000 -41.4% 0.0%
    AXIA FINANCIAL, LLC $75,000 n/a 0.0%
    First Bank of Owasso $75,000 n/a 0.0%
    Coastal Community Bank $70,000 n/a 0.0%
    COMMUNICATION $135,000 $65,000 -51.9% 0.0%
    Bank of America $465,000 $55,000 -88.2% 0.0%
    Northern Colorado Credit Union $55,000 n/a 0.0%
    Security Bank $55,000 n/a 0.0%
    NORTHROP GRUMMAN Federal Credit Union $45,000 n/a 0.0%
    Tinker Federal Credit Union $155,000 $45,000 -71.0% 0.0%
    U.S. Bank $695,000 $45,000 -93.5% 0.0%
    American Airlines Federal Credit Union $150,000 $35,000 -76.7% 0.0%
    OKLAHOMA CENTRAL Credit Union $25,000 n/a 0.0%
    Southwest Airlines Federal Credit Union $25,000 n/a 0.0%

    Bartlesville's top lender by overall market share is Truity Federal Credit Union, with 13.8% market share. In second place, with 11.0%, is Arvest Bank, having originated $18,670,000 in loans. In third place, with 8.8%, is BERKELEY POINT CAPITAL LLC, having originated $15,005,000 in loans. In fourth place, with 6.3%, is QUICKEN LOANS, LLC, having originated $10,765,000 in loans. In fifth place, with 4.6%, is ASSOCIATED MORTGAGE CORPORATION, having originated $7,825,000 in loans.

    Bartlesville, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 674 $121,770,000 $180,668
    Cash Out Refi 83 $27,405,000 $330,181
    Home Improvement 79 $5,115,000 $64,747
    Other 79 $7,215,000 $91,329
    Refi 54 $8,630,000 $159,815

    Bartlesville's most frequently cited loan purpose was Home Purchase, with 674 originations. The 2nd most popular reason was Cash Out Refi, with 83 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 373 $66,495,000 $178,271
    7-8% 241 $38,675,000 $160,477
    Over 8% 173 $15,025,000 $86,850
    5-6% 123 $40,985,000 $333,211
    4-5% 18 $2,360,000 $131,111
    <2.5% 6 $620,000 $103,333

    During 2023, Bartlesville's most frequently originated rate bucket was 6-7%, with 373 originations.

    Loan Sizing (Bartlesville, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 387 $55,705,000 $143,941
    $100,000 or less 330 $19,770,000 $59,909
    $200k-400k 208 $55,870,000 $268,606
    $400k-600k 36 $17,530,000 $486,944
    $600k-1000k 6 $4,260,000 $710,000
    $Over $1MM 2 $17,000,000 $8,500,000

    Bartlesville's loan sizing saw the bucket of loans from $100k-200k with 387 originations, totaling $55,705,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 489 $92,905,000 $189,990
    60-80% 195 $47,275,000 $242,436
    20-40% 92 $7,620,000 $82,826
    40-60% 76 $9,930,000 $130,658
    Under 20% 63 $2,165,000 $34,365
    Over 100% 16 $3,870,000 $241,875

    Bartlesville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 489 originations, totaling $92,905,000 in origination value.