ENID 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 Enid averaged 7.12% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.97% and one month ago for the week of 2025-04-17, the average rate was 7.09%.

    Enid's average rate one year ago was 7.48%.

    For refis of the same type during the week of 2025-05-22, the average rate was 6.86%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Enid 30 Year Fixed Rate 2025-05-22 7.12%
    Enid 30 Year Fixed Rate Refi 2025-05-22 6.86%
    Enid 15 Year Fixed Rate 2025-05-22 5.91%
    Enid 15 Year Fixed Rate Refi 2025-05-22 5.91%
    Enid 30 Year FHA 2025-05-22 6.65%
    Enid 30 Year FHA Refi 2025-05-22 6.81%
    Enid 30 Year USDA 2025-05-22 6.23%
    Enid 30 Year USDA Refi 2025-05-22 6.23%
    Enid 30 Year VA 2025-05-22 6.68%
    Enid 30 Year VA Refi 2025-05-22 6.32%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ENID, OK.

    ENID 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 ENID, 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
    Gateway First Bank 47 6.90% $4,747
    PRIMELENDING, A PLAINSCAPITAL COMPANY 25 7.17% $4,700
    Great Plains National Bank 24 6.70% $5,502
    QUICKEN LOANS, LLC 15 6.69% $7,744
    BOKF 10 7.31% $4,065
    Stride Bank 9 6.99% $4,912
    American Mortgage & Equity Consultants, Inc. 5 6.70% $4,682
    UNITED WHOLESALE MORTGAGE, LLC 4 6.10% $7,484
    JPMorgan Chase Bank 3 7.41% $2,920
    First United Bank and Trust Company 3 7.00% $5,245
    American Mortgage Bank, LLC 3 6.92% $6,718
    InterBank 3 8.83% $1,577
    CORNERSTONE HOME LENDING, INC. 2 6.81% $7,866
    Carrington Mortgage Services, LLC 2 6.38% $4,540
    Century Mortgage Company DBA Century Lending Company 2 6.81% $7,218
    COMMUNICATION 2 6.63% $3,364
    Flagstar Bank, FSB 2 7.13% $4,087
    ROYAL UNITED MORTGAGE LLC 2 7.44% $6,045
    Tinker Federal Credit Union 2 6.75% $5,097
    FLAT BRANCH MORTGAGE, INC. 1 6.49% $3,598
    DIGITAL Federal Credit Union 1 6.38% $2,741
    DEEPHAVEN MORTGAGE LLC 1 7.63% $8,807
    CWM PARTNERS, L.P. 1 7.38% $4,383
    CROSSCOUNTRY MORTGAGE, LLC 1 6.63% $5,360
    LOANDEPOT.COM, LLC 1 6.99% $10,701
    Mortgage Research Center, LLC 1 7.50% $1,650
    Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $5,149
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $7,441
    NBKC BANK 1 6.13% $3,882
    Oklahoma Educators Credit Union 1 7.00% $4,484
    PLANET HOME LENDING, LLC 1 6.63% $3,857
    PLAZA HOME MORTGAGE, INC. 1 7.88% $10,247
    PREMIA MORTGAGE, LLC 1 7.25% $607
    21ST MORTGAGE CORPORATION 1 8.26% $6,121
    BROKER SOLUTIONS, INC. 1 6.63% $4,481
    RCB Bank 1 5.96% $5,708
    U.S. Bank 1 6.88% $3,619
    SIRVA MORTGAGE, INC. 1 6.38% $696
    Arvest Bank 1 6.88% $4,374
    SUN WEST MORTGAGE COMPANY, INC. 1 5.94% $3,146
    ZILLOW HOME LOANS, LLC 1 7.13% $4,320
    TTCU Federal Credit Union 1 7.38% $3,918
    UNION HOME MORTGAGE CORP. 1 8.63% $5,267
    First Financial Bank 1 6.63% $6,157
    Discover Bank 1 8.20% $0
    AMERICAN FINANCING CORPORATION 1 7.63% $14,166

    ENID Average Closing Costs & Other Stats

    ENID, OK's 46 lenders originated 895 loans during 2024. The total origination value was $142,765,000, with an average loan value of $159,514.

    ENID's average closing costs are $4,926.

    The top ENID lender as defined by loan originations is Gateway First Bank, with 47 loans originated. Their average total fees are $4,747, which is $47 higher than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

    The lowest fee ENID lenders (with over 10 loans originated) are BOKF ($4,065), PRIMELENDING, A PLAINSCAPITAL COMPANY ($4,700), Gateway First Bank ($4,747), Great Plains National Bank ($5,502) and QUICKEN LOANS, LLC ($7,744).

    The lowest rate ENID lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.69%), Great Plains National Bank (6.70%), Gateway First Bank (6.90%), PRIMELENDING, A PLAINSCAPITAL COMPANY (7.17%) and BOKF (7.31%).

    ENID, 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
    Gateway First Bank $15,795,000 $16,070,000 1.7% 11.3%
    Great Plains National Bank $7,655,000 $15,475,000 102.2% 10.8%
    The Security National Bank of Enid $5,870,000 $12,575,000 114.2% 8.8%
    THE BANK OF KREMLIN $3,585,000 $8,355,000 133.1% 5.9%
    QUICKEN LOANS, LLC $7,120,000 $7,615,000 7.0% 5.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $8,450,000 $7,520,000 -11.0% 5.3%
    Mortgage Research Center, LLC $7,890,000 $7,090,000 -10.1% 5.0%
    BOKF $7,225,000 $5,865,000 -18.8% 4.1%
    NBKC BANK $2,415,000 $4,200,000 73.9% 2.9%
    PENNYMAC LOAN SERVICES, LLC $2,520,000 $3,530,000 40.1% 2.5%
    UNITED WHOLESALE MORTGAGE, LLC $3,910,000 $3,355,000 -14.2% 2.4%
    Stride Bank $2,070,000 $3,225,000 55.8% 2.3%
    InterBank $2,265,000 $2,475,000 9.3% 1.7%
    Tinker Federal Credit Union $2,020,000 $2,435,000 20.5% 1.7%
    American Mortgage Bank, LLC $2,170,000 n/a 1.5%
    NBC Oklahoma $315,000 $1,885,000 498.4% 1.3%
    NAVY FEDERAL CREDIT UNION $2,945,000 $1,785,000 -39.4% 1.3%
    FREEDOM MORTGAGE CORPORATION $1,645,000 n/a 1.2%
    First United Bank and Trust Company $1,715,000 $1,620,000 -5.5% 1.1%
    13946 $1,455,000 $1,580,000 8.6% 1.1%
    BancFirst $1,425,000 $1,545,000 8.4% 1.1%
    COMMUNICATION $1,415,000 $1,270,000 -10.2% 0.9%
    USAA Federal Savings Bank $1,940,000 $1,140,000 -41.2% 0.8%
    American Mortgage & Equity Consultants, Inc. $2,030,000 $1,110,000 -45.3% 0.8%
    First National Bank and Trust Company $1,075,000 n/a 0.8%
    PLANET HOME LENDING, LLC $195,000 $1,025,000 425.6% 0.7%
    CORNERSTONE HOME LENDING, INC. $830,000 $1,010,000 21.7% 0.7%
    JPMorgan Chase Bank $120,000 $955,000 695.8% 0.7%
    BROKER SOLUTIONS, INC. $310,000 $940,000 203.2% 0.7%
    U.S. Bank $600,000 $820,000 36.7% 0.6%
    The First National Bank and Trust Company of Broken Arrow $765,000 n/a 0.5%
    GUILD MORTGAGE COMPANY $115,000 $735,000 539.1% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $180,000 $730,000 305.6% 0.5%
    Cornerstone First Mortgage, Inc $715,000 n/a 0.5%
    Century Mortgage Company DBA Century Lending Company $690,000 n/a 0.5%
    RCB Bank $1,675,000 $665,000 -60.3% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $250,000 $640,000 156.0% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $740,000 $595,000 -19.6% 0.4%
    The Central Trust Bank $575,000 n/a 0.4%
    UNION HOME MORTGAGE CORP. $540,000 n/a 0.4%
    Quail Creek Bank $505,000 n/a 0.4%
    FLAT BRANCH MORTGAGE, INC. $390,000 $500,000 28.2% 0.4%
    NORWICH COMMERCIAL GROUP, INC. $490,000 n/a 0.3%
    PLAZA HOME MORTGAGE, INC. $490,000 n/a 0.3%
    21ST MORTGAGE CORPORATION $495,000 $475,000 -4.0% 0.3%
    F & M Bank $305,000 $470,000 54.1% 0.3%
    Flagstar Bank, FSB $410,000 $465,000 13.4% 0.3%
    Arvest Bank $1,445,000 $445,000 -69.2% 0.3%
    CMG MORTGAGE, INC. $665,000 $405,000 -39.1% 0.3%
    SIRVA MORTGAGE, INC. $405,000 n/a 0.3%
    Carrington Mortgage Services, LLC $385,000 n/a 0.3%
    BMO Harris Bank $605,000 $375,000 -38.0% 0.3%
    PREMIA MORTGAGE, LLC $365,000 n/a 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $235,000 $360,000 53.2% 0.3%
    ZILLOW HOME LOANS, LLC $105,000 $340,000 223.8% 0.2%
    NEWREZ LLC $295,000 $315,000 6.8% 0.2%
    First Liberty Bank $305,000 n/a 0.2%
    ENVOY MORTGAGE, LTD $300,000 n/a 0.2%
    TruHome Solutions, LLC $295,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $290,000 n/a 0.2%
    First Financial Bank $285,000 n/a 0.2%
    LOANDEPOT.COM, LLC $550,000 $280,000 -49.1% 0.2%
    MID AMERICA MORTGAGE, INC. $275,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $300,000 $265,000 -11.7% 0.2%
    Firstar Bank $265,000 n/a 0.2%
    MLD MORTGAGE INC. $265,000 n/a 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $155,000 $265,000 71.0% 0.2%
    ASSOCIATED MORTGAGE CORPORATION $75,000 $255,000 240.0% 0.2%
    The Federal Savings Bank $235,000 n/a 0.2%
    LAKEVIEW LOAN SERVICING, LLC $235,000 $225,000 -4.3% 0.2%
    Old National Bank $225,000 n/a 0.2%
    First Security Bank & Trust Company $45,000 $220,000 388.9% 0.2%
    TRIAD FINANCIAL SERVICES, INC. $205,000 $220,000 7.3% 0.2%
    FINANCE OF AMERICA REVERSE LLC $205,000 n/a 0.1%
    DEEPHAVEN MORTGAGE LLC $185,000 n/a 0.1%
    Wells Fargo Bank $585,000 $175,000 -70.1% 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $165,000 n/a 0.1%
    Figure Lending LLC $160,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $925,000 $145,000 -84.3% 0.1%
    Discover Bank $300,000 $135,000 -55.0% 0.1%
    Mortgage Investment Services Corporation $125,000 n/a 0.1%
    M&T Bank $125,000 n/a 0.1%
    RF Renovo Management Company, LLC $125,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $555,000 $110,000 -80.2% 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $105,000 n/a 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $95,000 $105,000 10.5% 0.1%
    CWM PARTNERS, L.P. $95,000 n/a 0.1%
    Oklahoma Educators Credit Union $95,000 n/a 0.1%
    TTCU Federal Credit Union $95,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $85,000 $85,000 0.0% 0.1%
    LENDINGHOME FUNDING CORPORATION $95,000 $85,000 -10.5% 0.1%
    Paramount Residential Mortgage Group, Inc. $875,000 $85,000 -90.3% 0.1%
    PNC Bank $85,000 n/a 0.1%
    Coastal Community Bank $75,000 $75,000 0.0% 0.1%
    Fidelity Bank $25,000 $75,000 200.0% 0.1%
    Deere Employees Credit Union $35,000 $65,000 85.7% 0.0%
    GSF Mortgage Corporation $65,000 n/a 0.0%
    MORTGAGE CLEARING CORPORATION $65,000 n/a 0.0%
    DIGITAL Federal Credit Union $55,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $75,000 $55,000 -26.7% 0.0%
    LOANPAL, LLC $235,000 $45,000 -80.9% 0.0%
    Citizens Bank $25,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $25,000 n/a 0.0%

    ENID's top lender by overall market share is Gateway First Bank, with 11.3% market share. In second place, with 10.8%, is Great Plains National Bank, having originated $15,475,000 in loans. In third place, with 8.8%, is The Security National Bank of Enid, having originated $12,575,000 in loans. In fourth place, with 5.9%, is THE BANK OF KREMLIN, having originated $8,355,000 in loans. In fifth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $7,615,000 in loans.

    ENID Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - ENID (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 $147,100 (-8.0%) $187,567 (-1.2%) 0.00 284
    2018-02-01 $142,225 (-13.5%) $182,857 (-5.6%) 0.00 273
    2018-03-01 $149,950 (-9.1%) $189,762 (-1.8%) 0.00 274
    2018-04-01 $153,550 (-7.8%) $195,155 (-1.2%) 0.00 271
    2018-05-01 $152,675 (-10.1%) $197,506 (0.2%) 0.00 276
    2018-06-01 $159,000 (-4.2%) $198,887 (0.1%) 0.00 285
    2018-07-01 $153,450 (-9.2%) $196,389 (-3.5%) 0.00 308
    2018-08-01 $157,450 (-3.9%) $206,114 (1.9%) 0.00 304
    2018-09-01 $165,900 (6.0%) $209,988 (7.8%) 0.00 301
    2018-10-01 $167,500 (11.2%) $212,531 (12.4%) 0.00 283
    2018-11-01 $161,825 (9.3%) $212,436 (12.1%) 0.00 276
    2018-12-01 $159,900 (9.2%) $205,089 (9.2%) 0.00 258
    2019-01-01 $165,500 (12.5%) $208,659 (11.3%) 0.00 246
    2019-02-01 $165,250 (16.2%) $211,602 (15.7%) 0.00 250
    2019-03-01 $175,786 (17.2%) $211,017 (11.2%) 0.00 267
    2019-04-01 $176,511 (15.0%) $208,870 (7.0%) 0.00 274
    2019-05-01 $161,875 (6.0%) $199,971 (1.3%) 0.00 287
    2019-06-01 $167,250 (5.2%) $206,264 (3.7%) 0.00 293
    2019-07-01 $166,875 (8.8%) $206,287 (5.0%) 0.00 277
    2019-08-01 $169,655 (7.8%) $209,085 (1.4%) 0.00 269
    2019-09-01 $169,286 (2.0%) $207,747 (-1.1%) 0.00 265
    2019-10-01 $169,041 (0.9%) $206,856 (-2.7%) 0.00 262
    2019-11-01 $169,900 (5.0%) $205,724 (-3.2%) 0.00 264
    2019-12-01 $159,900 (0.0%) $194,269 (-5.3%) 0.00 252
    2020-01-01 $152,625 (-7.8%) $188,339 (-9.7%) 0.00 253
    2020-02-01 $154,950 (-6.2%) $187,959 (-11.2%) 0.00 246
    2020-03-01 $174,825 (-0.6%) $210,605 (-0.2%) 0.00 231
    2020-04-01 $171,500 (-2.8%) $209,018 (0.1%) 0.00 239
    2020-05-01 $174,450 (7.8%) $210,861 (5.5%) 0.00 220
    2020-06-01 $171,450 (2.5%) $209,788 (1.7%) 0.00 213
    2020-07-01 $170,000 (1.9%) $213,059 (3.3%) 0.00 196
    2020-08-01 $169,900 (0.1%) $211,872 (1.3%) 0.00 181
    2020-09-01 $171,975 (1.6%) $213,303 (2.7%) 0.00 180
    2020-10-01 $176,200 (4.2%) $206,144 (-0.3%) 0.00 188
    2020-11-01 $174,925 (3.0%) $199,125 (-3.2%) 0.00 169
    2020-12-01 $174,500 (9.1%) $197,553 (1.7%) 0.00 157
    2021-01-01 $169,900 (11.3%) $197,611 (4.9%) 0.00 141
    2021-02-01 $157,875 (1.9%) $189,783 (1.0%) 0.00 129
    2021-03-01 $157,700 (-9.8%) $188,392 (-10.6%) 0.00 119
    2021-04-01 $157,825 (-8.0%) $190,551 (-8.8%) 0.00 108
    2021-05-01 $152,450 (-12.6%) $200,909 (-4.7%) 0.00 103
    2021-06-01 $164,950 (-3.8%) $209,669 (-0.1%) 0.00 102
    2021-07-01 $159,900 (-5.9%) $204,123 (-4.2%) 0.00 126
    2021-08-01 $149,900 (-11.8%) $196,500 (-7.3%) 0.00 157
    2021-09-01 $146,225 (-15.0%) $202,293 (-5.2%) 0.00 153
    2021-10-01 $149,900 (-14.9%) $209,934 (1.8%) 0.00 151
    2021-11-01 $148,425 (-15.2%) $213,080 (7.0%) 0.00 152
    2021-12-01 $148,900 (-14.7%) $216,678 (9.7%) 0.00 143
    2022-01-01 $138,700 (-18.4%) $215,582 (9.1%) 0.00 125
    2022-02-01 $128,700 (-18.5%) $217,940 (14.8%) 0.00 113
    2022-03-01 $134,250 (-14.9%) $241,245 (28.1%) 0.00 88
    2022-04-01 $155,000 (-1.8%) $253,429 (33.0%) 0.00 81
    2022-05-01 $174,925 (14.7%) $261,459 (30.1%) 0.00 86
    2022-06-01 $179,575 (8.9%) $264,129 (26.0%) 0.00 91
    2022-07-01 $182,000 (13.8%) $229,323 (12.4%) 0.00 112
    2022-08-01 $182,375 (21.7%) $224,185 (14.1%) 0.00 124
    2022-09-01 $188,000 (28.6%) $233,524 (15.4%) 0.00 129
    2022-10-01 $190,000 (26.8%) $234,207 (11.6%) 0.00 142
    2022-11-01 $192,000 (29.4%) $224,584 (5.4%) 0.00 144
    2022-12-01 $196,200 (31.8%) $221,287 (2.1%) 0.00 143
    2023-01-01 $199,900 (44.1%) $237,516 (10.2%) 0.00 131
    2023-02-01 $199,800 (55.2%) $235,619 (8.1%) 0.00 138
    2023-03-01 $236,225 (76.0%) $265,325 (10.0%) 0.00 128
    2023-04-01 $239,950 (54.8%) $259,196 (2.3%) 0.00 134
    2023-05-01 $276,100 (57.8%) $275,652 (5.4%) 0.00 128
    2023-06-01 $229,450 (27.8%) $261,327 (-1.1%) 0.00 121
    2023-07-01 $224,700 (23.5%) $260,212 (13.5%) 0.00 127
    2023-08-01 $217,875 (19.5%) $254,745 (13.6%) 0.00 136
    2023-09-01 $195,900 (4.2%) $242,166 (3.7%) 0.00 153
    2023-10-01 $219,950 (15.8%) $264,323 (12.9%) 0.00 151
    2023-11-01 $219,450 (14.3%) $262,814 (17.0%) 0.00 152
    2023-12-01 $230,000 (17.2%) $267,021 (20.7%) 0.00 164
    2024-01-01 $247,475 (23.8%) $277,537 (16.9%) 0.00 162
    2024-02-01 $243,950 (22.1%) $266,931 (13.3%) 0.00 175
    2024-03-01 $237,900 (0.7%) $256,774 (-3.2%) 0.00 167
    2024-04-01 $235,900 (-1.7%) $252,561 (-2.6%) 0.00 163
    2024-05-01 $220,000 (-20.3%) $253,693 (-8.0%) 0.00 170
    2024-06-01 $235,900 (2.8%) $266,113 (1.8%) 0.00 168
    2024-07-01 $230,150 (2.4%) $260,336 (0.1%) 0.00 178
    2024-08-01 $240,000 (10.2%) $274,720 (7.8%) 0.00 166
    2024-09-01 $239,925 (22.5%) $266,296 (10.0%) 0.00 172
    2024-10-01 $200,975 (-8.6%) $246,260 (-6.8%) 0.00 170
    2024-11-01 $179,000 (-18.4%) $228,984 (-12.9%) 0.00 194
    2024-12-01 $177,000 (-23.0%) $223,949 (-16.1%) 0.00 193
    2025-01-01 $173,498 (-29.9%) $221,978 (-20.0%) 0.00 187
    2025-02-01 $190,950 (-21.7%) $240,792 (-9.8%) 0.00 171
    2025-03-01 $196,000 (-17.6%) $260,354 (1.4%) 0.00 157
    2025-04-01 $216,900 (-8.1%) $261,283 (3.5%) 0.00 171
    ENID's median listing price for 2025-04-01 was $216,900, a difference of $-19,000 (-8.1%) versus the prior year and $20,900 versus the prior month.

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

    ENID's average listing price for 2025-04-01 was $261,283, a difference of $8,722 (3.5%) versus the prior year and $929 versus the prior month.

    For the 2025-04-01 period, ENID had 171 MLS listings, a difference of 14 listings (9%) versus the prior month and 8 listings (5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - ENID (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,901 sqft
    2018-02-01 0 days 1,898 sqft
    2018-03-01 0 days 1,909 sqft
    2018-04-01 0 days 1,935 sqft
    2018-05-01 0 days 1,934 sqft
    2018-06-01 0 days 1,900 sqft
    2018-07-01 0 days 1,876 sqft
    2018-08-01 0 days 1,823 sqft
    2018-09-01 0 days 1,841 sqft
    2018-10-01 0 days 1,843 sqft
    2018-11-01 0 days 1,815 sqft
    2018-12-01 0 days 1,796 sqft
    2019-01-01 0 days 1,844 sqft
    2019-02-01 0 days 1,921 sqft
    2019-03-01 0 days 1,925 sqft
    2019-04-01 0 days 1,923 sqft
    2019-05-01 0 days 1,868 sqft
    2019-06-01 0 days 1,803 sqft
    2019-07-01 0 days 1,808 sqft
    2019-08-01 0 days 1,825 sqft
    2019-09-01 0 days 1,816 sqft
    2019-10-01 0 days 1,810 sqft
    2019-11-01 0 days 1,819 sqft
    2019-12-01 0 days 1,756 sqft
    2020-01-01 0 days 1,730 sqft
    2020-02-01 0 days 1,730 sqft
    2020-03-01 0 days 1,818 sqft
    2020-04-01 0 days 1,867 sqft
    2020-05-01 0 days 1,877 sqft
    2020-06-01 0 days 1,855 sqft
    2020-07-01 0 days 1,918 sqft
    2020-08-01 0 days 1,931 sqft
    2020-09-01 0 days 1,954 sqft
    2020-10-01 0 days 1,857 sqft
    2020-11-01 0 days 1,867 sqft
    2020-12-01 0 days 1,831 sqft
    2021-01-01 0 days 1,843 sqft
    2021-02-01 0 days 1,732 sqft
    2021-03-01 0 days 1,799 sqft
    2021-04-01 0 days 1,874 sqft
    2021-05-01 0 days 1,796 sqft
    2021-06-01 0 days 1,800 sqft
    2021-07-01 0 days 1,812 sqft
    2021-08-01 0 days 1,695 sqft
    2021-09-01 0 days 1,640 sqft
    2021-10-01 0 days 1,686 sqft
    2021-11-01 0 days 1,697 sqft
    2021-12-01 0 days 1,698 sqft
    2022-01-01 0 days 1,647 sqft
    2022-02-01 0 days 1,553 sqft
    2022-03-01 0 days 1,575 sqft
    2022-04-01 0 days 1,620 sqft
    2022-05-01 0 days 1,687 sqft
    2022-06-01 0 days 1,780 sqft
    2022-07-01 0 days 1,757 sqft
    2022-08-01 0 days 1,819 sqft
    2022-09-01 0 days 1,848 sqft
    2022-10-01 0 days 1,864 sqft
    2022-11-01 0 days 1,849 sqft
    2022-12-01 0 days 1,750 sqft
    2023-01-01 0 days 1,755 sqft
    2023-02-01 0 days 1,744 sqft
    2023-03-01 0 days 1,801 sqft
    2023-04-01 0 days 1,850 sqft
    2023-05-01 0 days 1,954 sqft
    2023-06-01 0 days 1,797 sqft
    2023-07-01 0 days 1,799 sqft
    2023-08-01 0 days 1,751 sqft
    2023-09-01 0 days 1,754 sqft
    2023-10-01 0 days 1,817 sqft
    2023-11-01 0 days 1,804 sqft
    2023-12-01 0 days 1,873 sqft
    2024-01-01 0 days 1,960 sqft
    2024-02-01 0 days 2,025 sqft
    2024-03-01 0 days 1,928 sqft
    2024-04-01 0 days 1,921 sqft
    2024-05-01 0 days 1,873 sqft
    2024-06-01 0 days 1,928 sqft
    2024-07-01 0 days 1,912 sqft
    2024-08-01 0 days 2,020 sqft
    2024-09-01 0 days 1,996 sqft
    2024-10-01 0 days 1,874 sqft
    2024-11-01 0 days 1,760 sqft
    2024-12-01 0 days 1,711 sqft
    2025-01-01 0 days 1,680 sqft
    2025-02-01 0 days 1,732 sqft
    2025-03-01 0 days 1,818 sqft
    2025-04-01 0 days 1,894 sqft
    ENID's median listing age (time on market) for 2025-04-01 was 0 days.

    ENID's median square footage for active listings during the 2025-04-01 period was 1,894 sqft. One year prior, the average listing was 1,921 sqft.

    ENID, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 634 $107,080,000 $168,896
    Refi 99 $21,215,000 $214,293
    Home Improvement 56 $3,180,000 $56,786
    Other 55 $3,895,000 $70,818
    Cash Out Refi 51 $7,395,000 $145,000

    Enid's most frequently cited loan purpose was Home Purchase, with 634 originations. The 2nd most popular reason was Refi, with 99 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 315 $59,995,000 $190,460
    7-8% 168 $24,140,000 $143,690
    Over 8% 132 $11,500,000 $87,121
    5-6% 85 $16,565,000 $194,882
    <2.5% 32 $1,740,000 $54,375
    4-5% 18 $900,000 $50,000
    2.5-3% 6 $1,610,000 $268,333
    3-4% 1 $125,000 $125,000

    During 2024, Enid's most frequently originated rate bucket was 6-7%, with 315 originations.

    Loan Sizing (ENID, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 350 $19,570,000 $55,914
    $100k-200k 296 $42,740,000 $144,392
    $200k-400k 203 $55,375,000 $272,783
    $400k-600k 36 $17,030,000 $473,056
    $600k-1000k 8 $5,540,000 $692,500
    $Over $1MM 2 $2,510,000 $1,255,000

    ENID's loan sizing saw the bucket of loans from $100,000 or less with 350 originations, totaling $19,570,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 386 $70,960,000 $183,834
    60-80% 138 $22,240,000 $161,159
    Under 20% 79 $1,545,000 $19,557
    20-40% 63 $4,335,000 $68,810
    40-60% 48 $5,680,000 $118,333
    Over 100% 20 $5,300,000 $265,000

    ENID's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 386 originations, totaling $70,960,000 in origination value.