Bartlesville Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Bartlesville averaged 6.61% 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 7.04% and one month ago for the week of 2025-05-15, the average rate was 6.71%.

    Bartlesville's average rate one year ago was 7.05%.

    For refis of the same type during the week of 2025-06-18, the average rate was 7.21%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-06-18 6.81%
    Bartlesville 30 Year Fixed Rate 2025-06-18 6.61%
    Bartlesville 30 Year Fixed Rate Refi 2025-06-18 7.21%
    Bartlesville 15 Year Fixed Rate 2025-06-18 5.76%
    Bartlesville 15 Year Fixed Rate Refi 2025-06-18 6.06%
    Bartlesville 30 Year FHA 2025-06-18 0.33%
    Bartlesville 30 Year FHA Refi 2025-06-18 0%
    Bartlesville 30 Year USDA 2025-06-18 -0.1%
    Bartlesville 30 Year USDA Refi 2025-06-18 -0.1%
    Bartlesville 30 Year VA 2025-06-18 0.1%
    Bartlesville 30 Year VA Refi 2025-06-18 0%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Truity Federal Credit Union 97 6.51% $3,844
    Arvest Bank 36 6.82% $5,426
    QUICKEN LOANS, LLC 30 6.69% $6,993
    ASSOCIATED MORTGAGE CORPORATION 22 6.73% $5,310
    BOKF 12 6.94% $5,142
    FLAT BRANCH MORTGAGE, INC. 11 6.58% $4,541
    Stride Bank 5 6.30% $4,922
    American Mortgage Bank, LLC 5 6.70% $6,979
    Gateway First Bank 5 6.70% $5,057
    BancFirst 4 7.09% $4,568
    RCB Bank 4 6.82% $4,442
    JPMorgan Chase Bank 4 6.90% $4,737
    American Mortgage & Equity Consultants, Inc. 3 6.88% $5,638
    DHI MORTGAGE COMPANY, LTD. 3 5.92% $3,074
    Wells Fargo Bank 3 6.33% $5,784
    American Bank of Oklahoma 3 7.17% $4,896
    THE MORTGAGE LINK, INC. 3 6.87% $9,791
    UNITED WHOLESALE MORTGAGE, LLC 3 7.04% $6,097
    Community National Bank & Trust 2 7.31% $6,114
    CORNERSTONE HOME LENDING, INC. 2 7.38% $4,407
    First United Bank and Trust Company 2 6.94% $6,443
    GUARANTEED RATE, INC. 2 6.93% $4,560
    Mr. Cooper ( Nationstar Mortgage ) 2 7.56% $5,768
    SIRVA MORTGAGE, INC. 2 6.81% $4,729
    The Central Trust Bank 2 5.99% $5,730
    USAA Federal Savings Bank 2 6.56% $3,869
    U.S. Bank 2 6.88% $4,065
    Waterstone Mortgage Corporation 2 6.62% $6,618
    INTERLINC MORTGAGE SERVICES, LLC 1 6.50% $3,730
    Deere Employees Credit Union 1 5.99% $0
    LOANDEPOT.COM, LLC 1 6.63% $7,870
    MidFirst Bank 1 6.00% $3,617
    Morgan Stanley Private Bank 1 6.25% $3,122
    MORTGAGE CLEARING CORPORATION 1 7.63% $3,888
    Mortgage Research Center, LLC 1 6.88% $5,904
    AMERICAN FINANCIAL NETWORK, INC. 1 7.63% $5,990
    NEWREZ LLC 1 6.75% $3,969
    North American Savings Bank, F.S.B. 1 7.63% $7,794
    OKLAHOMA CENTRAL Credit Union 1 6.13% $4,315
    OPEN MORTGAGE, LLC 1 6.49% $9,760
    PENNYMAC LOAN SERVICES, LLC 1 7.00% $5,253
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.50% $6,674
    American Airlines Federal Credit Union 1 6.00% $0
    CHURCHILL MORTGAGE CORPORATION 1 7.13% $7,548
    ROYAL UNITED MORTGAGE LLC 1 7.13% $8,103
    Simmons Bank 1 6.88% $5,955
    US MORTGAGE CORPORATION 1 6.99% $7,049
    Carrington Mortgage Services, LLC 1 7.13% $6,204
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.75% $5,961
    Bank of America 1 5.88% $4,934
    Tinker Federal Credit Union 1 6.00% $5,786
    Armstrong Bank 1 7.62% $5,794
    Tulsa Federal Credit Union 1 7.38% $3,595
    Farmers Bank & Trust 1 6.88% $3,786
    Firstar Bank 1 6.88% $3,995
    First National Bank and Trust Company 1 6.25% $8,506
    American National Bank & Trust 1 6.38% $4,041
    Farm Credit Mid-America, ACA 1 6.88% $5,410
    FREEDOM MORTGAGE CORPORATION 1 6.88% $1,996
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $5,595
    ZILLOW HOME LOANS, LLC 1 7.63% $4,245

    Bartlesville Average Closing Costs & Other Stats

    Bartlesville, OK's 61 lenders originated 928 loans during 2024. The total origination value was $159,680,000, with an average loan value of $172,069.

    Bartlesville's average closing costs are $5,175.

    The top Bartlesville lender as defined by loan originations is Truity Federal Credit Union, with 97 loans originated. Their average total fees are $3,844, which is $1,582 lower than the next largest lender, Arvest Bank.

    The lowest fee Bartlesville lenders (with over 10 loans originated) are Truity Federal Credit Union ($3,844), FLAT BRANCH MORTGAGE, INC. ($4,541), BOKF ($5,142), ASSOCIATED MORTGAGE CORPORATION ($5,310) and Arvest Bank ($5,426).

    The lowest rate Bartlesville lenders (with over 10 loans originated) are Truity Federal Credit Union (6.51%), FLAT BRANCH MORTGAGE, INC. (6.58%), QUICKEN LOANS, LLC (6.69%), ASSOCIATED MORTGAGE CORPORATION (6.73%) and Arvest Bank (6.82%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Truity Federal Credit Union $23,560,000 $28,805,000 22.3% 18.0%
    Arvest Bank $18,670,000 $16,295,000 -12.7% 10.2%
    QUICKEN LOANS, LLC $10,765,000 $10,125,000 -5.9% 6.3%
    ASSOCIATED MORTGAGE CORPORATION $7,825,000 $9,400,000 20.1% 5.9%
    FIRST TECHNOLOGY $8,305,000 n/a 5.2%
    Mortgage Research Center, LLC $6,940,000 $5,320,000 -23.3% 3.3%
    BancFirst $5,995,000 $5,040,000 -15.9% 3.2%
    FLAT BRANCH MORTGAGE, INC. $3,380,000 $4,445,000 31.5% 2.8%
    BOKF $2,425,000 $4,320,000 78.1% 2.7%
    American Mortgage Bank, LLC $3,970,000 n/a 2.5%
    UNITED WHOLESALE MORTGAGE, LLC $2,660,000 $3,335,000 25.4% 2.1%
    American Bank of Oklahoma $3,260,000 $2,825,000 -13.3% 1.8%
    DHI MORTGAGE COMPANY, LTD. $1,665,000 $2,585,000 55.3% 1.6%
    PENNYMAC LOAN SERVICES, LLC $1,405,000 $2,570,000 82.9% 1.6%
    FREEDOM MORTGAGE CORPORATION $340,000 $2,460,000 623.5% 1.5%
    First United Bank and Trust Company $995,000 $2,230,000 124.1% 1.4%
    Stride Bank $1,820,000 $2,160,000 18.7% 1.4%
    First Oklahoma Bank $1,995,000 $1,735,000 -13.0% 1.1%
    RCB Bank $855,000 $1,625,000 90.1% 1.0%
    Gateway First Bank $1,840,000 $1,485,000 -19.3% 0.9%
    USAA Federal Savings Bank $180,000 $1,390,000 672.2% 0.9%
    JPMorgan Chase Bank $400,000 $1,140,000 185.0% 0.7%
    US MORTGAGE CORPORATION $1,055,000 $1,140,000 8.1% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $275,000 $1,085,000 294.5% 0.7%
    Armstrong Bank $2,245,000 $1,080,000 -51.9% 0.7%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $705,000 $1,075,000 52.5% 0.7%
    NEWREZ LLC $815,000 $1,035,000 27.0% 0.6%
    Wells Fargo Bank $755,000 $965,000 27.8% 0.6%
    NAVY FEDERAL CREDIT UNION $1,050,000 $925,000 -11.9% 0.6%
    MID AMERICA MORTGAGE, INC. $550,000 $875,000 59.1% 0.5%
    The Central Trust Bank $1,215,000 $815,000 -32.9% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $620,000 $795,000 28.2% 0.5%
    Regent Bank $1,575,000 $790,000 -49.8% 0.5%
    Chickasaw Community Bank $565,000 $755,000 33.6% 0.5%
    OPEN MORTGAGE, LLC $4,950,000 $750,000 -84.8% 0.5%
    U.S. Bank $45,000 $730,000 1,522.2% 0.5%
    The Union State Bank $515,000 $695,000 35.0% 0.4%
    AMERICAN FINANCIAL NETWORK, INC. $340,000 $655,000 92.6% 0.4%
    BROKER SOLUTIONS, INC. $545,000 $650,000 19.3% 0.4%
    GUILD MORTGAGE COMPANY $440,000 $650,000 47.7% 0.4%
    THE MORTGAGE LINK, INC. $725,000 $610,000 -15.9% 0.4%
    VILLAGE CAPITAL MORTGAGE $610,000 n/a 0.4%
    CHURCHILL MORTGAGE CORPORATION $115,000 $570,000 395.7% 0.4%
    Community National Bank & Trust $495,000 $565,000 14.1% 0.4%
    First Bank of Owasso $75,000 $565,000 653.3% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $665,000 $545,000 -18.0% 0.3%
    Regent Financial Group, Inc. $1,375,000 $540,000 -60.7% 0.3%
    Simmons Bank $195,000 $535,000 174.4% 0.3%
    Great Plains National Bank $490,000 n/a 0.3%
    SIRVA MORTGAGE, INC. $470,000 n/a 0.3%
    American Heritage Bank $345,000 $465,000 34.8% 0.3%
    GUARANTEED RATE, INC. $495,000 $445,000 -10.1% 0.3%
    Morgan Stanley Private Bank $435,000 n/a 0.3%
    American Mortgage & Equity Consultants, Inc. $505,000 $415,000 -17.8% 0.3%
    Barrington Bank & Trust Company, N.A. $410,000 $410,000 0.0% 0.3%
    COMMUNICATION $65,000 $410,000 530.8% 0.3%
    First National Bank and Trust Company $410,000 n/a 0.3%
    Paramount Residential Mortgage Group, Inc. $175,000 $410,000 134.3% 0.3%
    Farm Credit Mid-America, ACA $395,000 n/a 0.2%
    Bank of America $55,000 $385,000 600.0% 0.2%
    Waterstone Mortgage Corporation $285,000 $365,000 28.1% 0.2%
    LOANDEPOT.COM, LLC $360,000 n/a 0.2%
    NEW DAY FINANCIAL, LLC $665,000 $330,000 -50.4% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $780,000 $325,000 -58.3% 0.2%
    CORNERSTONE HOME LENDING, INC. $1,575,000 $300,000 -81.0% 0.2%
    FirstOak Bank $285,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $215,000 $280,000 30.2% 0.2%
    FINANCE OF AMERICA REVERSE LLC $125,000 $275,000 120.0% 0.2%
    MORTGAGE CLEARING CORPORATION $155,000 $275,000 77.4% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $275,000 n/a 0.2%
    DAS Acquisition Company, LLC $95,000 $265,000 178.9% 0.2%
    21ST MORTGAGE CORPORATION $895,000 $260,000 -70.9% 0.2%
    Tulsa Federal Credit Union $275,000 $250,000 -9.1% 0.2%
    Equity Bank $1,395,000 $245,000 -82.4% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $840,000 $245,000 -70.8% 0.2%
    Prosperity Bank $235,000 n/a 0.1%
    SUCCESS MORTGAGE PARTNERS, INC. $235,000 n/a 0.1%
    Tinker Federal Credit Union $45,000 $235,000 422.2% 0.1%
    V.I.P. MORTGAGE, INC. $235,000 n/a 0.1%
    Farmers Bank & Trust $225,000 n/a 0.1%
    Coastal Community Bank $70,000 $220,000 214.3% 0.1%
    LENDINGONE, LLC $95,000 $220,000 131.6% 0.1%
    AMERICAN HOMESTAR MORTGAGE, L.L.C. $215,000 n/a 0.1%
    UNITED BUILT HOMES, L.L.C. $215,000 n/a 0.1%
    Firstar Bank $365,000 $210,000 -42.5% 0.1%
    Regions Bank $205,000 n/a 0.1%
    CARDINAL FINANCIAL $705,000 $200,000 -71.6% 0.1%
    Citibank $310,000 $200,000 -35.5% 0.1%
    TTCU Federal Credit Union $855,000 $200,000 -76.6% 0.1%
    AVB Bank $245,000 $195,000 -20.4% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $305,000 $195,000 -36.1% 0.1%
    Deere Employees Credit Union $195,000 n/a 0.1%
    SOUTHWEST FUNDING, LP $185,000 n/a 0.1%
    PREMIA MORTGAGE, LLC $2,800,000 $175,000 -93.8% 0.1%
    AmeriHome Mortgage Company, LLC $340,000 $165,000 -51.5% 0.1%
    North American Savings Bank, F.S.B. $165,000 n/a 0.1%
    POLARIS HOME FUNDING CORP. $245,000 $165,000 -32.7% 0.1%
    American Airlines Federal Credit Union $35,000 $160,000 357.1% 0.1%
    Evolve Bank & Trust $155,000 n/a 0.1%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $155,000 n/a 0.1%
    PHH Mortgage Corporation $155,000 n/a 0.1%
    First Fidelity Bank $150,000 $150,000 0.0% 0.1%
    Citizens Bank $765,000 $145,000 -81.0% 0.1%
    LENDINGHOME FUNDING CORPORATION $145,000 n/a 0.1%
    NBH Bank $145,000 n/a 0.1%
    CSL Financial, LLC $135,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $125,000 n/a 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $125,000 n/a 0.1%
    Figure Lending LLC $90,000 $115,000 27.8% 0.1%
    MidFirst Bank $115,000 n/a 0.1%
    PLANET HOME LENDING, LLC $115,000 n/a 0.1%
    SENTE MORTGAGE, INC. $315,000 $115,000 -63.5% 0.1%
    Discover Bank $190,000 $110,000 -42.1% 0.1%
    Hometown Equity Mortgage, LLC $105,000 n/a 0.1%
    M&T Bank $105,000 n/a 0.1%
    TOWNE MORTGAGE COMPANY $275,000 $105,000 -61.8% 0.1%
    ZILLOW HOME LOANS, LLC $230,000 $105,000 -54.3% 0.1%
    Equity Prime Mortgage LLC $85,000 n/a 0.1%
    Fidelity Bank $175,000 $85,000 -51.4% 0.1%
    LIMA ONE CAPITAL, LLC $85,000 n/a 0.1%
    OKLAHOMA CENTRAL Credit Union $25,000 $85,000 240.0% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $330,000 $85,000 -74.2% 0.1%
    USAlliance Federal Credit Union $85,000 n/a 0.1%
    ALTRA $65,000 n/a 0.0%
    INTERLINC MORTGAGE SERVICES, LLC $65,000 n/a 0.0%
    S1L, Inc. $65,000 n/a 0.0%
    Carrington Mortgage Services, LLC $200,000 $55,000 -72.5% 0.0%
    AMERISAVE MORTGAGE CORPORATION $50,000 n/a 0.0%
    American National Bank & Trust $45,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $45,000 n/a 0.0%
    TOWER $35,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $260,000 $35,000 -86.5% 0.0%
    Flagstar Bank, FSB $250,000 $25,000 -90.0% 0.0%
    QUORUM FEDERAL CREDIT UNION $25,000 n/a 0.0%

    Bartlesville's top lender by overall market share is Truity Federal Credit Union, with 18.0% market share. In second place, with 10.2%, is Arvest Bank, having originated $16,295,000 in loans. In third place, with 6.3%, is QUICKEN LOANS, LLC, having originated $10,125,000 in loans. In fourth place, with 5.9%, is ASSOCIATED MORTGAGE CORPORATION, having originated $9,400,000 in loans. In fifth place, with 5.2%, is FIRST TECHNOLOGY, having originated $8,305,000 in loans.

    Bartlesville, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 584 $111,980,000 $191,747
    Other 97 $9,135,000 $94,175
    Refi 97 $15,795,000 $162,835
    Home Improvement 80 $5,080,000 $63,500
    Cash Out Refi 70 $17,690,000 $252,714

    Bartlesville's most frequently cited loan purpose was Home Purchase, with 584 originations. The 2nd most popular reason was Other, with 97 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 425 $92,875,000 $218,529
    7-8% 185 $26,895,000 $145,378
    Over 8% 168 $12,600,000 $75,000
    5-6% 100 $18,810,000 $188,100
    4-5% 16 $2,840,000 $177,500
    <2.5% 3 $15,000 $5,000
    2.5-3% 1 $385,000 $385,000

    During 2024, Bartlesville's most frequently originated rate bucket was 6-7%, with 425 originations.

    Loan Sizing (Bartlesville, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 355 $52,325,000 $147,394
    $100,000 or less 296 $17,210,000 $58,142
    $200k-400k 243 $63,965,000 $263,230
    $400k-600k 26 $12,120,000 $466,154
    $600k-1000k 6 $4,390,000 $731,667
    $Over $1MM 2 $9,670,000 $4,835,000

    Bartlesville's loan sizing saw the bucket of loans from $100k-200k with 355 originations, totaling $52,325,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 448 $89,790,000 $200,424
    60-80% 168 $37,620,000 $223,929
    20-40% 102 $7,390,000 $72,451
    Under 20% 81 $3,245,000 $40,062
    40-60% 61 $8,555,000 $140,246
    Over 100% 13 $3,085,000 $237,308

    Bartlesville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 448 originations, totaling $89,790,000 in origination value.