Ponca City 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 Ponca City averaged 6.65% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.67% and one month ago for the week of 2025-03-06, the average rate was 6.66%.

    Ponca City's average rate one year ago was 6.85%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.02%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Ponca City 30 Year Fixed Rate 2025-04-10 6.65%
    Ponca City 30 Year Fixed Rate Refi 2025-04-10 7.02%
    Ponca City 15 Year Fixed Rate 2025-04-10 5.72%
    Ponca City 15 Year Fixed Rate Refi 2025-04-10 5.72%
    Ponca City 30 Year FHA 2025-04-10 6.75%
    Ponca City 30 Year FHA Refi 2025-04-10 6.23%
    Ponca City 30 Year USDA 2025-04-10 6.25%
    Ponca City 30 Year USDA Refi 2025-04-10 6.35%
    Ponca City 30 Year VA 2025-04-10 6.29%
    Ponca City 30 Year VA Refi 2025-04-10 6.29%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ponca City, OK.

    Ponca City 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 Ponca City, 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
    FLAT BRANCH MORTGAGE, INC. 37 6.69% $3,886
    RCB Bank 26 6.52% $4,019
    QUICKEN LOANS, LLC 12 7.10% $5,339
    Equity Bank 6 6.42% $3,338
    American Mortgage Bank, LLC 6 6.54% $5,986
    F & M Bank 6 6.96% $4,583
    UNITED WHOLESALE MORTGAGE, LLC 5 6.92% $7,070
    Community National Bank & Trust 4 7.51% $2,452
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 7.32% $5,549
    Truity Federal Credit Union 2 6.00% $4,499
    BOKF 2 7.00% $5,152
    PREMIA MORTGAGE, LLC 2 6.46% $1,092
    Discover Bank 2 7.75% $0
    U.S. Bank 2 7.13% $5,032
    Fidelity Bank 1 7.38% $4,706
    FIRST AMERICAN MORTGAGE, INC. 1 6.99% $3,929
    First National Bank and Trust Company 1 6.75% $5,890
    First United Bank and Trust Company 1 6.63% $7,927
    Gateway First Bank 1 6.63% $3,413
    GUARANTEED RATE, INC. 1 6.05% $3,838
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.38% $8,153
    HOME BANK AND TRUST COMPANY 1 7.00% $4,303
    Members Mortgage Services, L.L.C. 1 6.88% $5,111
    MID AMERICA MORTGAGE, INC. 1 7.13% $4,450
    MORTGAGE CLEARING CORPORATION 1 5.88% $14,081
    Mr. Cooper ( Nationstar Mortgage ) 1 5.99% $6,006
    Prosperity Home Mortgage, LLC 1 7.50% $3,241
    RBC Bank, (Georgia) 1 6.25% $2,128
    SENTE MORTGAGE, INC. 1 7.50% $7,548
    Sierra Pacific Mortgage Company, Inc. 1 6.63% $7,448
    Stifel Bank and Trust 1 6.38% $3,188
    Stride Bank 1 6.50% $5,290
    Tulsa Federal Credit Union 1 6.63% $5,050
    Waterstone Mortgage Corporation 1 6.99% $4,619
    Wells Fargo Bank 1 6.00% $10,332
    WESTERN VISTA 1 6.63% $4,246
    21ST MORTGAGE CORPORATION 1 7.99% $7,705
    ZILLOW HOME LOANS, LLC 1 7.13% $4,131
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.50% $5,485
    AmeriHome Mortgage Company, LLC 1 6.38% $4,987
    Arvest Bank 1 6.75% $4,505
    BancFirst 1 7.13% $5,291
    BancorpSouth 1 7.13% $4,636
    Bank of America 1 7.75% $3,865
    BROKER SOLUTIONS, INC. 1 6.38% $4,924
    Citizens Bank 1 6.63% $4,319
    CORNERSTONE HOME LENDING, INC. 1 6.99% $4,765
    ENVOY MORTGAGE, LTD 1 7.63% $4,338
    F&A Federal Credit Union 1 5.88% $1,039
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $4,657
    Farm Credit Mid-America, ACA 1 7.25% $10,373

    Ponca City Average Closing Costs & Other Stats

    Ponca City, OK's 51 lenders originated 607 loans during 2024. The total origination value was $86,755,000, with an average loan value of $142,924.

    Ponca City's average closing costs are $5,120.

    The top Ponca City lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 37 loans originated. Their average total fees are $3,886, which is $133 lower than the next largest lender, RCB Bank.

    The lowest fee Ponca City lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. ($3,886), RCB Bank ($4,019), QUICKEN LOANS, LLC ($5,339), .

    The lowest rate Ponca City lenders (with over 10 loans originated) are RCB Bank (6.52%), FLAT BRANCH MORTGAGE, INC. (6.69%), QUICKEN LOANS, LLC (7.10%), .

    Ponca City, 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
    FLAT BRANCH MORTGAGE, INC. $12,990,000 $13,840,000 6.5% 16.0%
    Arvest Bank $170,000 $9,600,000 5,547.1% 11.1%
    RCB Bank $8,660,000 $9,045,000 4.4% 10.4%
    First National Bank Of Oklahoma $5,365,000 $6,055,000 12.9% 7.0%
    Equity Bank $5,140,000 $4,665,000 -9.2% 5.4%
    Community National Bank & Trust $5,200,000 $3,175,000 -38.9% 3.7%
    QUICKEN LOANS, LLC $4,200,000 $3,165,000 -24.6% 3.6%
    BancFirst $4,130,000 $3,055,000 -26.0% 3.5%
    Mortgage Research Center, LLC $3,300,000 $3,030,000 -8.2% 3.5%
    American Mortgage Bank, LLC $2,660,000 n/a 3.1%
    UNITED WHOLESALE MORTGAGE, LLC $980,000 $2,070,000 111.2% 2.4%
    Truity Federal Credit Union $1,600,000 n/a 1.8%
    Great Plains National Bank $920,000 $1,500,000 63.0% 1.7%
    F & M Bank $375,000 $1,345,000 258.7% 1.6%
    PENNYMAC LOAN SERVICES, LLC $1,115,000 $1,265,000 13.5% 1.5%
    BROKER SOLUTIONS, INC. $135,000 $895,000 563.0% 1.0%
    SENTE MORTGAGE, INC. $425,000 $725,000 70.6% 0.8%
    NEWREZ LLC $345,000 $685,000 98.6% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $105,000 $595,000 466.7% 0.7%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $830,000 $590,000 -28.9% 0.7%
    FREEDOM MORTGAGE CORPORATION $565,000 n/a 0.7%
    U.S. Bank $110,000 $540,000 390.9% 0.6%
    AMERISAVE MORTGAGE CORPORATION $675,000 $505,000 -25.2% 0.6%
    BOKF $90,000 $505,000 461.1% 0.6%
    JPMorgan Chase Bank $590,000 $495,000 -16.1% 0.6%
    21ST MORTGAGE CORPORATION $320,000 $485,000 51.6% 0.6%
    First Oklahoma Bank $405,000 n/a 0.5%
    PREMIA MORTGAGE, LLC $935,000 $390,000 -58.3% 0.4%
    Farm Credit Mid-America, ACA $375,000 n/a 0.4%
    MORTGAGE CLEARING CORPORATION $375,000 n/a 0.4%
    Discover Bank $280,000 $355,000 26.8% 0.4%
    OPEN MORTGAGE, LLC $2,030,000 $355,000 -82.5% 0.4%
    HOME BANK AND TRUST COMPANY $325,000 n/a 0.4%
    USAA Federal Savings Bank $1,270,000 $325,000 -74.4% 0.4%
    MID AMERICA MORTGAGE, INC. $95,000 $320,000 236.8% 0.4%
    Sierra Pacific Mortgage Company, Inc. $300,000 n/a 0.3%
    AMERICAN FINANCING CORPORATION $295,000 n/a 0.3%
    CORNERSTONE HOME LENDING, INC. $895,000 $290,000 -67.6% 0.3%
    AMERITRUST MORTGAGE CORPORATION $285,000 n/a 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $280,000 n/a 0.3%
    GUARANTEED RATE, INC. $280,000 n/a 0.3%
    NEW DAY FINANCIAL, LLC $255,000 n/a 0.3%
    PNC Bank $250,000 n/a 0.3%
    Tinker Federal Credit Union $160,000 $240,000 50.0% 0.3%
    FIRST AMERICAN MORTGAGE, INC. $165,000 $235,000 42.4% 0.3%
    13946 $210,000 n/a 0.2%
    CLEARPATH LENDING $205,000 n/a 0.2%
    Fidelity Bank $205,000 n/a 0.2%
    The Central Trust Bank $1,150,000 $205,000 -82.2% 0.2%
    The Security National Bank of Enid $205,000 n/a 0.2%
    Wells Fargo Bank $205,000 n/a 0.2%
    Armstrong Bank $195,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $125,000 $195,000 56.0% 0.2%
    The Union State Bank $215,000 $195,000 -9.3% 0.2%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $185,000 n/a 0.2%
    NAVY FEDERAL CREDIT UNION $185,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $140,000 $185,000 32.1% 0.2%
    First United Bank and Trust Company $540,000 $175,000 -67.6% 0.2%
    S1L, Inc. $175,000 n/a 0.2%
    The Federal Savings Bank $175,000 n/a 0.2%
    Paramount Residential Mortgage Group, Inc. $165,000 n/a 0.2%
    AmeriHome Mortgage Company, LLC $155,000 $155,000 0.0% 0.2%
    ASSOCIATED MORTGAGE CORPORATION $155,000 n/a 0.2%
    Prosperity Home Mortgage, LLC $155,000 n/a 0.2%
    RBC Bank, (Georgia) $155,000 n/a 0.2%
    Gateway First Bank $705,000 $150,000 -78.7% 0.2%
    GUILD MORTGAGE COMPANY $150,000 n/a 0.2%
    Stifel Bank and Trust $145,000 n/a 0.2%
    Tulsa Federal Credit Union $145,000 n/a 0.2%
    Waterstone Mortgage Corporation $215,000 $140,000 -34.9% 0.2%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $135,000 n/a 0.2%
    LOANDEPOT.COM, LLC $795,000 $135,000 -83.0% 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $125,000 n/a 0.1%
    AMERICAN HERITAGE LENDING, INC. $115,000 n/a 0.1%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $115,000 n/a 0.1%
    Coastal Community Bank $95,000 $115,000 21.1% 0.1%
    F&A Federal Credit Union $65,000 $115,000 76.9% 0.1%
    ZILLOW HOME LOANS, LLC $115,000 n/a 0.1%
    Bank of America $110,000 n/a 0.1%
    Flagstar Bank, FSB $275,000 $105,000 -61.8% 0.1%
    TTCU Federal Credit Union $105,000 n/a 0.1%
    BMO Harris Bank $55,000 $100,000 81.8% 0.1%
    First National Bank and Trust Company $95,000 n/a 0.1%
    Members Mortgage Services, L.L.C. $95,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $95,000 n/a 0.1%
    TOWNE MORTGAGE COMPANY $95,000 n/a 0.1%
    Chickasaw Community Bank $95,000 $85,000 -10.5% 0.1%
    ENVOY MORTGAGE, LTD $85,000 n/a 0.1%
    GENEVA FINANCIAL, LLC $85,000 n/a 0.1%
    Magnolia Bank $85,000 n/a 0.1%
    T2 FINANCIAL LLC $85,000 n/a 0.1%
    Citizens Bank $25,000 $75,000 200.0% 0.1%
    Equity Prime Mortgage LLC $75,000 n/a 0.1%
    TruHome Solutions, LLC $135,000 $75,000 -44.4% 0.1%
    WESTERN VISTA $75,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $65,000 n/a 0.1%
    Regent Bank $65,000 n/a 0.1%
    Stride Bank $255,000 $65,000 -74.5% 0.1%
    BancorpSouth $315,000 $55,000 -82.5% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $55,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $65,000 $45,000 -30.8% 0.1%
    The City National Bank and Trust Company of Lawton $135,000 $45,000 -66.7% 0.1%
    CHARTWAY FEDERAL CREDIT UNION $25,000 n/a 0.0%
    Figure Lending LLC $25,000 n/a 0.0%

    Ponca City's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 16.0% market share. In second place, with 11.1%, is Arvest Bank, having originated $9,600,000 in loans. In third place, with 10.4%, is RCB Bank, having originated $9,045,000 in loans. In fourth place, with 7.0%, is First National Bank Of Oklahoma, having originated $6,055,000 in loans. In fifth place, with 5.4%, is Equity Bank, having originated $4,665,000 in loans.

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

    Realtor.com - Ponca City (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 $114,875 (18.1%) $146,109 (9.3%) 0.00 190
    2018-02-01 $119,900 (18.5%) $146,791 (10.0%) 0.00 180
    2018-03-01 $119,700 (18.6%) $145,416 (5.7%) 0.00 181
    2018-04-01 $118,500 (8.2%) $144,335 (1.6%) 0.00 182
    2018-05-01 $119,500 (3.1%) $145,345 (1.7%) 0.00 198
    2018-06-01 $120,000 (8.9%) $149,818 (7.8%) 0.00 196
    2018-07-01 $127,450 (19.7%) $156,989 (14.4%) 0.00 210
    2018-08-01 $122,500 (14.3%) $149,385 (1.9%) 0.00 214
    2018-09-01 $119,000 (11.0%) $140,607 (-4.5%) 0.00 210
    2018-10-01 $116,100 (5.8%) $135,618 (-9.4%) 0.00 220
    2018-11-01 $111,625 (-8.2%) $130,686 (-14.7%) 0.00 222
    2018-12-01 $109,900 (-7.7%) $129,898 (-12.6%) 0.00 207
    2019-01-01 $105,425 (-8.2%) $122,976 (-15.8%) 0.00 199
    2019-02-01 $109,175 (-8.9%) $126,667 (-13.7%) 0.00 188
    2019-03-01 $108,286 (-9.5%) $128,490 (-11.6%) 0.00 180
    2019-04-01 $109,786 (-7.4%) $131,546 (-8.9%) 0.00 174
    2019-05-01 $108,425 (-9.3%) $134,914 (-7.2%) 0.00 175
    2019-06-01 $115,900 (-3.4%) $139,676 (-6.8%) 0.00 174
    2019-07-01 $119,675 (-6.1%) $145,288 (-7.5%) 0.00 183
    2019-08-01 $116,791 (-4.7%) $141,752 (-5.1%) 0.00 192
    2019-09-01 $112,127 (-5.8%) $136,802 (-2.7%) 0.00 195
    2019-10-01 $112,268 (-3.3%) $133,955 (-1.2%) 0.00 196
    2019-11-01 $113,000 (1.2%) $132,043 (1.0%) 0.00 199
    2019-12-01 $110,000 (0.1%) $130,601 (0.5%) 0.00 191
    2020-01-01 $109,500 (3.9%) $129,686 (5.5%) 0.00 194
    2020-02-01 $108,500 (-0.6%) $128,718 (1.6%) 0.00 190
    2020-03-01 $106,000 (-2.1%) $135,497 (5.5%) 0.00 182
    2020-04-01 $104,450 (-4.9%) $148,551 (12.9%) 0.00 166
    2020-05-01 $115,000 (6.1%) $153,447 (13.7%) 0.00 128
    2020-06-01 $124,950 (7.8%) $168,079 (20.3%) 0.00 125
    2020-07-01 $124,950 (4.4%) $168,137 (15.7%) 0.00 123
    2020-08-01 $113,000 (-3.3%) $166,675 (17.6%) 0.00 111
    2020-09-01 $99,450 (-11.3%) $174,748 (27.7%) 0.00 102
    2020-10-01 $119,450 (6.4%) $184,036 (37.4%) 0.00 96
    2020-11-01 $116,000 (2.7%) $180,188 (36.5%) 0.00 102
    2020-12-01 $107,036 (-2.7%) $177,119 (35.6%) 0.00 89
    2021-01-01 $97,400 (-11.1%) $160,339 (23.6%) 0.00 80
    2021-02-01 $98,675 (-9.1%) $164,748 (28.0%) 0.00 76
    2021-03-01 $92,400 (-12.8%) $180,215 (33.0%) 0.00 73
    2021-04-01 $102,475 (-1.9%) $156,252 (5.2%) 0.00 71
    2021-05-01 $124,000 (7.8%) $161,730 (5.4%) 0.00 58
    2021-06-01 $81,250 (-35.0%) $122,226 (-27.3%) 0.00 54
    2021-07-01 $90,000 (-28.0%) $123,592 (-26.5%) 0.00 70
    2021-08-01 $123,075 (8.9%) $194,594 (16.8%) 0.00 76
    2021-09-01 $125,600 (26.3%) $199,129 (14.0%) 0.00 85
    2021-10-01 $127,200 (6.5%) $185,718 (0.9%) 0.00 91
    2021-11-01 $124,950 (7.7%) $181,332 (0.6%) 0.00 106
    2021-12-01 $122,500 (14.5%) $185,191 (4.6%) 0.00 99
    2022-01-01 $140,000 (43.7%) $198,100 (23.6%) 0.00 84
    2022-02-01 $132,000 (33.8%) $202,362 (22.8%) 0.00 62
    2022-03-01 $140,975 (52.6%) $204,548 (13.5%) 0.00 56
    2022-04-01 $155,000 (51.3%) $206,304 (32.0%) 0.00 50
    2022-05-01 $151,250 (22.0%) $193,677 (19.8%) 0.00 59
    2022-06-01 $141,950 (74.7%) $187,640 (53.5%) 0.00 76
    2022-07-01 $149,900 (66.6%) $172,972 (40.0%) 0.00 82
    2022-08-01 $126,250 (2.6%) $168,724 (-13.3%) 0.00 96
    2022-09-01 $157,475 (25.4%) $176,145 (-11.5%) 0.00 95
    2022-10-01 $177,250 (39.4%) $181,576 (-2.2%) 0.00 97
    2022-11-01 $195,500 (56.5%) $197,745 (9.1%) 0.00 87
    2022-12-01 $189,900 (55.0%) $202,547 (9.4%) 0.00 84
    2023-01-01 $191,950 (37.1%) $209,810 (5.9%) 0.00 82
    2023-02-01 $192,200 (45.6%) $218,818 (8.1%) 0.00 80
    2023-03-01 $185,725 (31.7%) $204,133 (-0.2%) 0.00 78
    2023-04-01 $188,000 (21.3%) $225,165 (9.1%) 0.00 70
    2023-05-01 $181,950 (20.3%) $210,777 (8.8%) 0.00 82
    2023-06-01 $177,400 (25.0%) $214,385 (14.3%) 0.00 85
    2023-07-01 $160,000 (6.7%) $211,857 (22.5%) 0.00 91
    2023-08-01 $147,500 (16.8%) $201,144 (19.2%) 0.00 106
    2023-09-01 $139,950 (-11.1%) $189,326 (7.5%) 0.00 109
    2023-10-01 $138,700 (-21.8%) $194,110 (6.9%) 0.00 123
    2023-11-01 $141,875 (-27.4%) $191,833 (-3.0%) 0.00 137
    2023-12-01 $146,750 (-22.7%) $189,122 (-6.6%) 0.00 144
    2024-01-01 $149,500 (-22.1%) $206,572 (-1.5%) 0.00 120
    2024-02-01 $156,200 (-18.7%) $210,853 (-3.6%) 0.00 100
    2024-03-01 $164,000 (-11.7%) $211,101 (3.4%) 0.00 108
    2024-04-01 $166,750 (-11.3%) $198,955 (-11.6%) 0.00 103
    2024-05-01 $159,000 (-12.6%) $206,880 (-1.9%) 0.00 104
    2024-06-01 $148,250 (-16.4%) $200,439 (-6.5%) 0.00 123
    2024-07-01 $145,500 (-9.1%) $194,500 (-8.2%) 0.00 126
    2024-08-01 $149,900 (1.6%) $192,852 (-4.1%) 0.00 143
    2024-09-01 $149,900 (7.1%) $190,546 (0.6%) 0.00 137
    2024-10-01 $152,450 (9.9%) $195,104 (0.5%) 0.00 142
    2024-11-01 $154,900 (9.2%) $195,679 (2.0%) 0.00 141
    2024-12-01 $154,900 (5.6%) $197,754 (4.6%) 0.00 131
    2025-01-01 $149,175 (-0.2%) $210,480 (1.9%) 0.00 118
    2025-02-01 $144,950 (-7.2%) $213,170 (1.1%) 0.00 119
    2025-03-01 $144,950 (-11.6%) $217,614 (3.1%) 0.00 107
    Ponca City's median listing price for 2025-03-01 was $144,950, a difference of $-19,050 (-11.6%) versus the prior year and $0 versus the prior month.

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

    Ponca City's average listing price for 2025-03-01 was $217,614, a difference of $6,513 (3.1%) versus the prior year and $4,444 versus the prior month.

    For the 2025-03-01 period, Ponca City had 107 MLS listings, a difference of -12 listings (-10%) versus the prior month and -1 listings (-1%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ponca City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,689 sqft
    2018-02-01 0 days 1,686 sqft
    2018-03-01 0 days 1,695 sqft
    2018-04-01 0 days 1,677 sqft
    2018-05-01 0 days 1,693 sqft
    2018-06-01 0 days 1,730 sqft
    2018-07-01 0 days 1,795 sqft
    2018-08-01 0 days 1,763 sqft
    2018-09-01 0 days 1,720 sqft
    2018-10-01 0 days 1,651 sqft
    2018-11-01 0 days 1,602 sqft
    2018-12-01 0 days 1,582 sqft
    2019-01-01 0 days 1,577 sqft
    2019-02-01 0 days 1,594 sqft
    2019-03-01 0 days 1,605 sqft
    2019-04-01 0 days 1,621 sqft
    2019-05-01 0 days 1,669 sqft
    2019-06-01 0 days 1,732 sqft
    2019-07-01 0 days 1,744 sqft
    2019-08-01 0 days 1,749 sqft
    2019-09-01 0 days 1,750 sqft
    2019-10-01 0 days 1,750 sqft
    2019-11-01 0 days 1,752 sqft
    2019-12-01 0 days 1,695 sqft
    2020-01-01 0 days 1,649 sqft
    2020-02-01 0 days 1,601 sqft
    2020-03-01 0 days 1,627 sqft
    2020-04-01 0 days 1,616 sqft
    2020-05-01 0 days 1,654 sqft
    2020-06-01 0 days 1,755 sqft
    2020-07-01 0 days 1,683 sqft
    2020-08-01 0 days 1,665 sqft
    2020-09-01 0 days 1,616 sqft
    2020-10-01 0 days 1,641 sqft
    2020-11-01 0 days 1,583 sqft
    2020-12-01 0 days 1,618 sqft
    2021-01-01 0 days 1,557 sqft
    2021-02-01 0 days 1,595 sqft
    2021-03-01 0 days 1,680 sqft
    2021-04-01 0 days 1,729 sqft
    2021-05-01 0 days 1,819 sqft
    2021-06-01 0 days 1,411 sqft
    2021-07-01 0 days 1,411 sqft
    2021-08-01 0 days 1,624 sqft
    2021-09-01 0 days 1,585 sqft
    2021-10-01 0 days 1,638 sqft
    2021-11-01 0 days 1,625 sqft
    2021-12-01 0 days 1,608 sqft
    2022-01-01 0 days 1,638 sqft
    2022-02-01 0 days 1,601 sqft
    2022-03-01 0 days 1,613 sqft
    2022-04-01 0 days 1,619 sqft
    2022-05-01 0 days 1,582 sqft
    2022-06-01 0 days 1,626 sqft
    2022-07-01 0 days 1,668 sqft
    2022-08-01 0 days 1,528 sqft
    2022-09-01 0 days 1,592 sqft
    2022-10-01 0 days 1,743 sqft
    2022-11-01 0 days 1,878 sqft
    2022-12-01 0 days 1,871 sqft
    2023-01-01 0 days 1,944 sqft
    2023-02-01 0 days 1,943 sqft
    2023-03-01 0 days 1,833 sqft
    2023-04-01 0 days 1,833 sqft
    2023-05-01 0 days 1,789 sqft
    2023-06-01 0 days 1,778 sqft
    2023-07-01 0 days 1,751 sqft
    2023-08-01 0 days 1,751 sqft
    2023-09-01 0 days 1,746 sqft
    2023-10-01 0 days 1,603 sqft
    2023-11-01 0 days 1,552 sqft
    2023-12-01 0 days 1,575 sqft
    2024-01-01 0 days 1,678 sqft
    2024-02-01 0 days 1,739 sqft
    2024-03-01 0 days 1,732 sqft
    2024-04-01 0 days 1,696 sqft
    2024-05-01 0 days 1,663 sqft
    2024-06-01 0 days 1,661 sqft
    2024-07-01 0 days 1,653 sqft
    2024-08-01 0 days 1,589 sqft
    2024-09-01 0 days 1,641 sqft
    2024-10-01 0 days 1,628 sqft
    2024-11-01 0 days 1,650 sqft
    2024-12-01 0 days 1,649 sqft
    2025-01-01 0 days 1,656 sqft
    2025-02-01 0 days 1,592 sqft
    2025-03-01 0 days 1,621 sqft
    Ponca City's median listing age (time on market) for 2025-03-01 was 0 days.

    Ponca City's median square footage for active listings during the 2025-03-01 period was 1,621 sqft. One year prior, the average listing was 1,732 sqft.

    Ponca City, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 387 $65,005,000 $167,972
    Refi 96 $11,420,000 $118,958
    Home Improvement 60 $3,050,000 $50,833
    Cash Out Refi 43 $5,995,000 $139,419
    Other 21 $1,285,000 $61,190

    Ponca City's most frequently cited loan purpose was Home Purchase, with 387 originations. The 2nd most popular reason was Refi, with 96 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 251 $45,335,000 $180,618
    7-8% 112 $14,670,000 $130,982
    Over 8% 110 $9,870,000 $89,727
    5-6% 54 $8,460,000 $156,667
    4-5% 12 $1,080,000 $90,000
    <2.5% 1 $5,000 $5,000
    3-4% 1 $75,000 $75,000

    During 2024, Ponca City's most frequently originated rate bucket was 6-7%, with 251 originations.

    Loan Sizing (Ponca City, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 274 $16,350,000 $59,672
    $100k-200k 236 $34,250,000 $145,127
    $200k-400k 88 $22,580,000 $256,591
    $400k-600k 6 $2,790,000 $465,000
    $Over $1MM 2 $10,020,000 $5,010,000
    $600k-1000k 1 $765,000 $765,000

    Ponca City's loan sizing saw the bucket of loans from $100,000 or less with 274 originations, totaling $16,350,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 293 $43,305,000 $147,799
    60-80% 109 $24,945,000 $228,853
    40-60% 52 $5,370,000 $103,269
    20-40% 48 $3,060,000 $63,750
    Under 20% 28 $960,000 $34,286
    Over 100% 6 $910,000 $151,667

    Ponca City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 293 originations, totaling $43,305,000 in origination value.