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 6.57% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.66% and one month ago for the week of 2024-11-07, the average rate was 6.56%.

    Ponca City's average rate one year ago was 6.7%.

    For refis of the same type during the week of 2024-12-12, the average rate was 7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Ponca City 30 Year Fixed Rate 2024-12-12 6.57%
    Ponca City 30 Year Fixed Rate Refi 2024-12-12 7%
    Ponca City 15 Year Fixed Rate 2024-12-12 5.94%
    Ponca City 15 Year Fixed Rate Refi 2024-12-12 6.14%
    Ponca City 30 Year FHA 2024-12-12 6.39%
    Ponca City 30 Year FHA Refi 2024-12-12 6.08%
    Ponca City 30 Year USDA 2024-12-12 6.1%
    Ponca City 30 Year USDA Refi 2024-12-12 6.3%
    Ponca City 30 Year VA 2024-12-12 6.18%
    Ponca City 30 Year VA Refi 2024-12-12 5.98%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 45 6.67% $3,921
    RCB Bank 15 6.00% $3,753
    QUICKEN LOANS, LLC 9 6.96% $5,969
    Community National Bank & Trust 7 6.46% $3,023
    Mortgage Research Center, LLC 4 6.68% $4,621
    Equity Bank 4 6.97% $3,261
    OPEN MORTGAGE, LLC 4 6.72% $5,454
    F & M Bank 3 7.33% $4,941
    UNITED WHOLESALE MORTGAGE, LLC 3 6.54% $6,773
    CORNERSTONE HOME LENDING, INC. 3 6.91% $7,266
    JPMorgan Chase Bank 2 5.62% $7,599
    Arvest Bank 2 6.63% $3,918
    PENNYMAC LOAN SERVICES, LLC 2 7.06% $5,292
    BancFirst 2 8.00% $5,335
    PREMIA MORTGAGE, LLC 2 6.53% $589
    ROYAL UNITED MORTGAGE LLC 2 6.50% $7,015
    United Fidelity Funding Corp. 2 6.43% $7,136
    Gateway First Bank 2 7.19% $3,625
    LOANDEPOT.COM, LLC 2 5.81% $8,591
    USAA Federal Savings Bank 1 7.50% $3,962
    American Mortgage & Equity Consultants, Inc. 1 5.75% $3,961
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.38% $5,627
    BancorpSouth 1 7.00% $5,947
    BROKER SOLUTIONS, INC. 1 6.49% $5,274
    CARDINAL FINANCIAL 1 5.63% $5,858
    CMG MORTGAGE, INC. 1 6.50% $3,797
    Discover Bank 1 8.49% $0
    F&A Federal Credit Union 1 6.88% $1,012
    First United Bank and Trust Company 1 7.50% $4,169
    Morgan Stanley Private Bank 1 5.85% $2,693
    Mr. Cooper ( Nationstar Mortgage ) 1 6.49% $7,819
    NEWREZ LLC 1 7.13% $3,439
    PENTAGON FEDERAL CREDIT UNION 1 6.25% $3,097
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 5.25% $5,243
    Simmons Bank 1 7.00% $2,696
    The Central Trust Bank 1 7.63% $3,965
    ACADEMY MORTGAGE CORPORATION 1 6.50% $4,146

    Ponca City Average Closing Costs & Other Stats

    Ponca City, OK's 37 lenders originated 640 loans during 2023. The total origination value was $76,520,000, with an average loan value of $119,563.

    Ponca City's average closing costs are $5,061.

    The top Ponca City lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 45 loans originated. Their average total fees are $3,921, which is $168 higher than the next largest lender, RCB Bank.

    The lowest fee Ponca City lenders (with over 10 loans originated) are RCB Bank ($3,753), FLAT BRANCH MORTGAGE, INC. ($3,921), .

    The lowest rate Ponca City lenders (with over 10 loans originated) are RCB Bank (6.00%), FLAT BRANCH MORTGAGE, INC. (6.67%), .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    FLAT BRANCH MORTGAGE, INC. $15,595,000 $12,990,000 -16.7% 17.0%
    RCB Bank $10,120,000 $8,660,000 -14.4% 11.3%
    First National Bank Of Oklahoma $11,870,000 $5,365,000 -54.8% 7.0%
    Community National Bank & Trust $4,670,000 $5,200,000 11.3% 6.8%
    Equity Bank $9,810,000 $5,140,000 -47.6% 6.7%
    QUICKEN LOANS, LLC $6,640,000 $4,200,000 -36.7% 5.5%
    BancFirst $4,485,000 $4,130,000 -7.9% 5.4%
    Mortgage Research Center, LLC $3,460,000 $3,300,000 -4.6% 4.3%
    OPEN MORTGAGE, LLC $835,000 $2,030,000 143.1% 2.7%
    USAA Federal Savings Bank $605,000 $1,270,000 109.9% 1.7%
    The Central Trust Bank $1,150,000 n/a 1.5%
    PENNYMAC LOAN SERVICES, LLC $620,000 $1,115,000 79.8% 1.5%
    United Fidelity Funding Corp. $2,895,000 $1,090,000 -62.3% 1.4%
    UNITED WHOLESALE MORTGAGE, LLC $1,265,000 $980,000 -22.5% 1.3%
    PREMIA MORTGAGE, LLC $935,000 n/a 1.2%
    Great Plains National Bank $1,360,000 $920,000 -32.4% 1.2%
    CORNERSTONE HOME LENDING, INC. $2,110,000 $895,000 -57.6% 1.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,755,000 $830,000 -52.7% 1.1%
    LOANPAL, LLC $390,000 $815,000 109.0% 1.1%
    LOANDEPOT.COM, LLC $1,285,000 $795,000 -38.1% 1.0%
    THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS $745,000 n/a 1.0%
    Gateway First Bank $360,000 $705,000 95.8% 0.9%
    AMERISAVE MORTGAGE CORPORATION $425,000 $675,000 58.8% 0.9%
    JPMorgan Chase Bank $130,000 $590,000 353.8% 0.8%
    First United Bank and Trust Company $640,000 $540,000 -15.6% 0.7%
    LENDINGHOME FUNDING CORPORATION $490,000 n/a 0.6%
    PENTAGON FEDERAL CREDIT UNION $450,000 n/a 0.6%
    SENTE MORTGAGE, INC. $275,000 $425,000 54.5% 0.6%
    F & M Bank $3,200,000 $375,000 -88.3% 0.5%
    ACADEMY MORTGAGE CORPORATION $370,000 n/a 0.5%
    NEWREZ LLC $35,000 $345,000 885.7% 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $740,000 $325,000 -56.1% 0.4%
    21ST MORTGAGE CORPORATION $395,000 $320,000 -19.0% 0.4%
    BancorpSouth $315,000 n/a 0.4%
    Carrington Mortgage Services, LLC $75,000 $300,000 300.0% 0.4%
    Discover Bank $395,000 $280,000 -29.1% 0.4%
    AMCAP MORTGAGE, LTD. $230,000 $275,000 19.6% 0.4%
    Flagstar Bank, FSB $260,000 $275,000 5.8% 0.4%
    The Bennington State Bank $265,000 n/a 0.3%
    First Fidelity Bank $260,000 n/a 0.3%
    Stride Bank $245,000 $255,000 4.1% 0.3%
    The Union State Bank $425,000 $215,000 -49.4% 0.3%
    Waterstone Mortgage Corporation $215,000 n/a 0.3%
    Simmons Bank $385,000 $210,000 -45.5% 0.3%
    MidFirst Bank $205,000 n/a 0.3%
    AMERICAN PACIFIC MORTGAGE CORPORATION $195,000 n/a 0.3%
    Neighborhood Loans, Inc. $185,000 n/a 0.2%
    Arvest Bank $610,000 $170,000 -72.1% 0.2%
    AXIA FINANCIAL, LLC $165,000 n/a 0.2%
    FIRST AMERICAN MORTGAGE, INC. $165,000 n/a 0.2%
    Tinker Federal Credit Union $35,000 $160,000 357.1% 0.2%
    AMERICAN EXCHANGE BANK $155,000 n/a 0.2%
    AmeriHome Mortgage Company, LLC $155,000 n/a 0.2%
    POLARIS HOME FUNDING CORP. $155,000 n/a 0.2%
    LAKEVIEW LOAN SERVICING, LLC $220,000 $145,000 -34.1% 0.2%
    ROYAL UNITED MORTGAGE LLC $105,000 $140,000 33.3% 0.2%
    BROKER SOLUTIONS, INC. $270,000 $135,000 -50.0% 0.2%
    Morgan Stanley Private Bank $125,000 $135,000 8.0% 0.2%
    The City National Bank and Trust Company of Lawton $35,000 $135,000 285.7% 0.2%
    TruHome Solutions, LLC $195,000 $135,000 -30.8% 0.2%
    Colonial Savings, F.A. $65,000 $125,000 92.3% 0.2%
    COUNTRYPLACE MORTGAGE, LTD. $125,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $115,000 $125,000 8.7% 0.2%
    Town Square Mortgage & Investments, Inc. $125,000 n/a 0.2%
    AMWEST FUNDING CORP. $115,000 n/a 0.2%
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $230,000 $115,000 -50.0% 0.2%
    U.S. Bank $515,000 $110,000 -78.6% 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $855,000 $105,000 -87.7% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $105,000 n/a 0.1%
    Chickasaw Community Bank $165,000 $95,000 -42.4% 0.1%
    Coastal Community Bank $95,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $1,030,000 $95,000 -90.8% 0.1%
    BOKF $325,000 $90,000 -72.3% 0.1%
    KANZA Bank $85,000 n/a 0.1%
    Truist $85,000 n/a 0.1%
    UNION HOME MORTGAGE CORP. $85,000 n/a 0.1%
    CMG MORTGAGE, INC. $290,000 $75,000 -74.1% 0.1%
    CSL Financial, LLC $175,000 $75,000 -57.1% 0.1%
    New Century Bank $75,000 n/a 0.1%
    CARDINAL FINANCIAL $65,000 n/a 0.1%
    F&A Federal Credit Union $65,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $65,000 n/a 0.1%
    American Mortgage & Equity Consultants, Inc. $55,000 n/a 0.1%
    BMO Harris Bank $55,000 n/a 0.1%
    Prosperity Bank $55,000 n/a 0.1%
    OKLAHOMA'S $35,000 n/a 0.0%
    Citizens Bank $25,000 n/a 0.0%
    COMMUNICATION $150,000 $25,000 -83.3% 0.0%
    Wichita Federal Credit Union $15,000 n/a 0.0%

    Ponca City's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 17.0% market share. In second place, with 11.3%, is RCB Bank, having originated $8,660,000 in loans. In third place, with 7.0%, is First National Bank Of Oklahoma, having originated $5,365,000 in loans. In fourth place, with 6.8%, is Community National Bank & Trust, having originated $5,200,000 in loans. In fifth place, with 6.7%, is Equity Bank, having originated $5,140,000 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%) $126,990 (-13.5%) 0.00 189
    2019-03-01 $109,000 (-8.9%) $128,819 (-11.4%) 0.00 181
    2019-04-01 $109,875 (-7.3%) $131,869 (-8.6%) 0.00 175
    2019-05-01 $108,425 (-9.3%) $134,914 (-7.2%) 0.00 176
    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 (1.4%) 0.00 190
    2020-03-01 $106,000 (-2.8%) $135,497 (5.2%) 0.00 182
    2020-04-01 $104,450 (-4.9%) $148,551 (12.7%) 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 92
    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%) $207,168 (-1.7%) 0.00 104
    2024-06-01 $149,000 (-16.0%) $206,659 (-3.6%) 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
    Ponca City's median listing price for 2024-11-01 was $154,900, a difference of $13,025 (9.2%) versus the prior year and $2,450 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 2024-11-01 was $195,679, a difference of $3,846 (2.0%) versus the prior year and $575 versus the prior month.

    For the 2024-11-01 period, Ponca City had 141 MLS listings, a difference of -1 listings (-1%) versus the prior month and 4 listings (3%) 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 1,600 sqft
    2019-03-01 0 days 1,612 sqft
    2019-04-01 0 days 1,623 sqft
    2019-05-01 0 days 1,669 sqft
    2019-06-01 0 days 1,736 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 1,603 sqft
    2022-01-01 0 days 1,629 sqft
    2022-02-01 0 days 1,591 sqft
    2022-03-01 0 days 1,600 sqft
    2022-04-01 0 days 1,583 sqft
    2022-05-01 0 days 1,571 sqft
    2022-06-01 0 days 1,626 sqft
    2022-07-01 0 days 1,652 sqft
    2022-08-01 0 days 1,517 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 1,744 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 1,653 sqft
    2024-07-01 0 days 1,655 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
    Ponca City's median listing age (time on market) for 2024-11-01 was 0 days.

    Ponca City's median square footage for active listings during the 2024-11-01 period was 1,650 sqft. One year prior, the average listing was 1,552 sqft.

    Ponca City, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 400 $55,690,000 $139,225
    Refi 89 $8,365,000 $93,989
    Home Improvement 59 $3,795,000 $64,322
    Cash Out Refi 52 $6,550,000 $125,962
    Other 40 $2,120,000 $53,000

    Ponca City's most frequently cited loan purpose was Home Purchase, with 400 originations. The 2nd most popular reason was Refi, with 89 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 203 $29,525,000 $145,443
    7-8% 137 $15,405,000 $112,445
    Over 8% 125 $9,565,000 $76,520
    5-6% 73 $12,085,000 $165,548
    <2.5% 20 $1,180,000 $59,000
    4-5% 9 $1,355,000 $150,556

    During 2023, Ponca City's most frequently originated rate bucket was 6-7%, with 203 originations.

    Loan Sizing (Ponca City, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 336 $18,760,000 $55,833
    $100k-200k 216 $30,920,000 $143,148
    $200k-400k 77 $20,935,000 $271,883
    $400k-600k 8 $3,620,000 $452,500
    $600k-1000k 3 $2,285,000 $761,667

    Ponca City's loan sizing saw the bucket of loans from $100,000 or less with 336 originations, totaling $18,760,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 269 $38,635,000 $143,625
    60-80% 146 $20,320,000 $139,178
    20-40% 50 $2,560,000 $51,200
    40-60% 50 $4,030,000 $80,600
    Under 20% 41 $1,595,000 $38,902
    Over 100% 9 $1,895,000 $210,556

    Ponca City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 269 originations, totaling $38,635,000 in origination value.