Ponca City Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ponca City averaged
6.47%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.68% and
one month ago for the week of 2025-02-27, the
average rate was 6.99%.
Ponca City's average rate one year ago was 6.72%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.04%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Ponca City 30 Year Fixed Rate | 2025-04-03 | 6.47% |
| Ponca City 30 Year Fixed Rate Refi | 2025-04-03 | 7.04% |
| Ponca City 15 Year Fixed Rate | 2025-04-03 | 5.92% |
| Ponca City 15 Year Fixed Rate Refi | 2025-04-03 | 6.02% |
| Ponca City 30 Year FHA | 2025-04-03 | 6.38% |
| Ponca City 30 Year FHA Refi | 2025-04-03 | 6.06% |
| Ponca City 30 Year USDA | 2025-04-03 | 6.32% |
| Ponca City 30 Year USDA Refi | 2025-04-03 | 6.52% |
| Ponca City 30 Year VA | 2025-04-03 | 6.16% |
| Ponca City 30 Year VA Refi | 2025-04-03 | 5.96% |
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.).
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 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 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.