ENID Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Enid averaged
7.07%
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
6.9% and
one month ago for the week of 2025-05-15, the
average rate was 6.87%.
Enid's average rate one year ago was 7.21%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Enid 30 Year Fixed Rate | 2025-06-18 | 7.07% |
| Enid 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Enid 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Enid 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Enid 30 Year FHA | 2025-06-18 | 0.24% |
| Enid 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Enid 30 Year USDA | 2025-06-18 | 0.2% |
| Enid 30 Year USDA Refi | 2025-06-18 | 0% |
| Enid 30 Year VA | 2025-06-18 | 0.06% |
| Enid 30 Year VA Refi | 2025-06-18 | -0.1% |
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.).
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, 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.