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 6.49% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

    The average rate for the prior week (2023-03-16) was 6.67% and one month ago for the week of 2023-02-16, the average rate was 6.39%.

    Ponca City's average rate one year ago was 3.7%.

    For refis of the same type during the week of 2023-03-23, the average rate was 6.58%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-23 6.42%
    Ponca City 30 Year Fixed Rate 2023-03-23 6.49%
    Ponca City 30 Year Fixed Rate Refi 2023-03-23 6.58%
    Ponca City 15 Year Fixed Rate 2023-03-23 7.32%
    Ponca City 15 Year Fixed Rate Refi 2023-03-23 6.84%
    Ponca City 30 Year FHA 2023-03-23 6.3%
    Ponca City 30 Year FHA Refi 2023-03-23 6.38%
    Ponca City 30 Year USDA 2023-03-23 6.6%
    Ponca City 30 Year VA 2023-03-23 6.45%
    Ponca City 30 Year VA Refi 2023-03-23 5.82%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 47 4.96% $4,036
    RCB Bank 23 4.90% $4,595
    QUICKEN LOANS, LLC 13 4.86% $8,233
    Equity Bank 12 4.85% $5,498
    F & M Bank 11 5.20% $5,108
    BancFirst 10 5.53% $4,829
    Community National Bank & Trust 6 4.91% $3,319
    United Fidelity Funding Corp. 6 4.79% $7,421
    Wells Fargo Bank 5 4.95% $4,793
    Arvest Bank 4 5.00% $4,180
    LOANDEPOT.COM, LLC 4 5.59% $6,828
    Simmons Bank 3 4.54% $3,405
    CORNERSTONE HOME LENDING, INC. 3 4.46% $7,128
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 5.38% $4,087
    Mortgage Research Center, LLC 2 5.06% $3,919
    Gateway First Bank 2 6.19% $3,019
    CROSSCOUNTRY MORTGAGE, LLC 2 4.18% $7,886
    Stride Bank 2 4.88% $3,326
    Texana Bank 2 4.56% $6,582
    Truity Federal Credit Union 2 4.31% $4,961
    AMCAP MORTGAGE, LTD. 2 6.50% $4,811
    U.S. Bank 2 4.93% $3,319
    PENNYMAC LOAN SERVICES, LLC 1 4.50% $7,852
    S1L, Inc. 1 5.88% $5,096
    SENTE MORTGAGE, INC. 1 4.13% $4,655
    SWBC MORTGAGE CORPORATION 1 4.50% $7,633
    The Huntington National Bank 1 3.63% $6,968
    UNITED WHOLESALE MORTGAGE, LLC 1 7.60% $4,299
    Wyndham Capital Mortgage, Inc. 1 4.25% $8,394
    21ST MORTGAGE CORPORATION 1 7.65% $5,422
    ZILLOW HOME LOANS, LLC 1 3.50% $10,424
    Ally Bank 1 4.38% $3,271
    AMERICAN FINANCING CORPORATION 1 3.75% $7,459
    BROKER SOLUTIONS, INC. 1 5.25% $7,233
    Citadel Servicing Corporation 1 6.63% $5,388
    CMG MORTGAGE, INC. 1 3.38% $3,928
    COMMUNICATION 1 5.38% $3,208
    CREDIT UNION OF AMERICA 1 3.13% $1,563
    DELMAR FINANCIAL COMPANY 1 5.99% $5,119
    Fidelity Bank 1 6.88% $3,534
    First United Bank and Trust Company 1 3.25% $3,842
    FREEDOM MORTGAGE CORPORATION 1 3.38% $2,399
    Great Plains National Bank 1 6.13% $5,042
    JPMorgan Chase Bank 1 6.13% $3,995
    MID AMERICA MORTGAGE, INC. 1 4.50% $3,242
    Morgan Stanley Private Bank 1 5.75% $2,913
    MORIA DEVELOPMENT, INC. 1 5.88% $6,183
    MORTGAGE CLEARING CORPORATION 1 5.88% $3,677
    Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $13,514
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.75% $7,789
    NAVY FEDERAL CREDIT UNION 1 6.88% $4,872
    Oklahoma Educators Credit Union 1 6.99% $7,873

    Ponca City Average Closing Costs & Other Stats

    Ponca City, OK's 52 lenders originated 848 loans during 2022. The total origination value was $109,970,000, with an average loan value of $129,682.

    Ponca City's average closing costs are $4,938.

    The top Ponca City lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 47 loans originated. Their average total fees are $4,036, which is $559 lower than the next largest lender, RCB Bank.

    The lowest fee Ponca City lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. ($4,036), RCB Bank ($4,595), BancFirst ($4,829), F & M Bank ($5,108) and Equity Bank ($5,498).

    The lowest rate Ponca City lenders (with over 10 loans originated) are Equity Bank (4.85%), QUICKEN LOANS, LLC (4.86%), RCB Bank (4.90%), FLAT BRANCH MORTGAGE, INC. (4.96%) and F & M Bank (5.20%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    FLAT BRANCH MORTGAGE, INC. $15,475,000 $15,595,000 0.8% 14.2%
    First National Bank Of Oklahoma $8,850,000 $11,870,000 34.1% 10.8%
    RCB Bank $12,100,000 $10,120,000 -16.4% 9.2%
    Equity Bank $6,080,000 $9,810,000 61.3% 8.9%
    QUICKEN LOANS, LLC $9,935,000 $6,640,000 -33.2% 6.0%
    Community National Bank & Trust $4,240,000 $4,670,000 10.1% 4.2%
    BancFirst $2,940,000 $4,485,000 52.6% 4.1%
    Mortgage Research Center, LLC $2,585,000 $3,460,000 33.8% 3.1%
    F & M Bank $4,010,000 $3,200,000 -20.2% 2.9%
    United Fidelity Funding Corp. $4,505,000 $2,895,000 -35.7% 2.6%
    CORNERSTONE HOME LENDING, INC. $3,330,000 $2,110,000 -36.6% 1.9%
    FirstBank $85,000 $2,005,000 2,258.8% 1.8%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $4,360,000 $1,755,000 -59.7% 1.6%
    Wells Fargo Bank $1,805,000 $1,620,000 -10.2% 1.5%
    NAVY FEDERAL CREDIT UNION $695,000 $1,375,000 97.8% 1.3%
    Great Plains National Bank $315,000 $1,360,000 331.7% 1.2%
    LOANDEPOT.COM, LLC $1,530,000 $1,285,000 -16.0% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $1,015,000 $1,265,000 24.6% 1.2%
    MID AMERICA MORTGAGE, INC. $470,000 $1,030,000 119.1% 0.9%
    Mr. Cooper ( Nationstar Mortgage ) $1,175,000 $855,000 -27.2% 0.8%
    OPEN MORTGAGE, LLC $1,040,000 $835,000 -19.7% 0.8%
    NEW DAY FINANCIAL, LLC $210,000 $825,000 292.9% 0.8%
    MORTGAGE CLEARING CORPORATION $535,000 $745,000 39.3% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $145,000 $740,000 410.3% 0.7%
    CALIBER HOME LOANS, INC. $440,000 $665,000 51.1% 0.6%
    First United Bank and Trust Company $1,245,000 $640,000 -48.6% 0.6%
    Truity Federal Credit Union $150,000 $635,000 323.3% 0.6%
    PENNYMAC LOAN SERVICES, LLC $2,070,000 $620,000 -70.0% 0.6%
    Arvest Bank $1,280,000 $610,000 -52.3% 0.6%
    USAA Federal Savings Bank $115,000 $605,000 426.1% 0.6%
    The Huntington National Bank $555,000 n/a 0.5%
    U.S. Bank $705,000 $515,000 -27.0% 0.5%
    FREEDOM MORTGAGE CORPORATION $3,185,000 $495,000 -84.5% 0.5%
    Texana Bank $440,000 n/a 0.4%
    AMERISAVE MORTGAGE CORPORATION $920,000 $425,000 -53.8% 0.4%
    The Union State Bank $885,000 $425,000 -52.0% 0.4%
    21ST MORTGAGE CORPORATION $750,000 $395,000 -47.3% 0.4%
    Discover Bank $130,000 $395,000 203.8% 0.4%
    LOANPAL, LLC $390,000 n/a 0.4%
    Simmons Bank $345,000 $385,000 11.6% 0.4%
    Gateway First Bank $1,310,000 $360,000 -72.5% 0.3%
    ZILLOW HOME LOANS, LLC $340,000 n/a 0.3%
    BOKF $540,000 $325,000 -39.8% 0.3%
    CHURCHILL MORTGAGE CORPORATION $165,000 $290,000 75.8% 0.3%
    CMG MORTGAGE, INC. $290,000 n/a 0.3%
    AMERICAN FINANCING CORPORATION $285,000 n/a 0.3%
    Oklahoma Educators Credit Union $285,000 n/a 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $590,000 $280,000 -52.5% 0.3%
    North American Savings Bank, F.S.B. $275,000 n/a 0.3%
    SENTE MORTGAGE, INC. $275,000 n/a 0.3%
    BROKER SOLUTIONS, INC. $145,000 $270,000 86.2% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $340,000 $270,000 -20.6% 0.2%
    Flagstar Bank, FSB $395,000 $260,000 -34.2% 0.2%
    Fidelity Bank $225,000 $250,000 11.1% 0.2%
    Stride Bank $395,000 $245,000 -38.0% 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $4,300,000 $245,000 -94.3% 0.2%
    AMCAP MORTGAGE, LTD. $180,000 $230,000 27.8% 0.2%
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $230,000 n/a 0.2%
    LAKEVIEW LOAN SERVICING, LLC $780,000 $220,000 -71.8% 0.2%
    Wyndham Capital Mortgage, Inc. $205,000 n/a 0.2%
    The Security National Bank of Enid $385,000 $200,000 -48.1% 0.2%
    The Stock Exchange Bank $195,000 n/a 0.2%
    TruHome Solutions, LLC $195,000 n/a 0.2%
    CREDIT UNION OF AMERICA $195,000 $185,000 -5.1% 0.2%
    Bank of England $175,000 n/a 0.2%
    CSL Financial, LLC $175,000 n/a 0.2%
    DELMAR FINANCIAL COMPANY $175,000 n/a 0.2%
    S1L, Inc. $175,000 n/a 0.2%
    Chickasaw Community Bank $2,275,000 $165,000 -92.7% 0.2%
    FINANCIAL CONCEPTS MORTGAGE, LLC $165,000 n/a 0.2%
    CWM PARTNERS, L.P. $155,000 n/a 0.1%
    COMMUNICATION $185,000 $150,000 -18.9% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $145,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $145,000 n/a 0.1%
    PLANET HOME LENDING, LLC $145,000 n/a 0.1%
    First Savings Bank $95,000 $135,000 42.1% 0.1%
    MORIA DEVELOPMENT, INC. $205,000 $135,000 -34.1% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $135,000 n/a 0.1%
    SWBC MORTGAGE CORPORATION $105,000 $135,000 28.6% 0.1%
    The Federal Savings Bank $135,000 n/a 0.1%
    American Heritage Bank $105,000 $130,000 23.8% 0.1%
    Barrington Bank & Trust Company, N.A. $200,000 $130,000 -35.0% 0.1%
    JPMorgan Chase Bank $540,000 $130,000 -75.9% 0.1%
    Morgan Stanley Private Bank $125,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $125,000 19.0% 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $85,000 $125,000 47.1% 0.1%
    The Focus Federal Credit Union $125,000 n/a 0.1%
    ASSOCIATED MORTGAGE CORPORATION $115,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $115,000 n/a 0.1%
    Citadel Servicing Corporation $105,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $95,000 $105,000 10.5% 0.1%
    UNITED MORTGAGE CORP. $105,000 n/a 0.1%
    SPRING EQ, LLC $100,000 n/a 0.1%
    KELLER MORTGAGE, LLC $570,000 $95,000 -83.3% 0.1%
    Deere Employees Credit Union $85,000 n/a 0.1%
    Quail Creek Bank $85,000 n/a 0.1%
    RESIDENTIAL BANCORP. $85,000 n/a 0.1%
    Ally Bank $105,000 $75,000 -28.6% 0.1%
    Carrington Mortgage Services, LLC $85,000 $75,000 -11.8% 0.1%
    VILLAGE CAPITAL MORTGAGE $495,000 $75,000 -84.8% 0.1%
    WESTERN VISTA $430,000 $75,000 -82.6% 0.1%
    Colonial Savings, F.A. $240,000 $65,000 -72.9% 0.1%
    AMERICAN ADVISORS GROUP $60,000 $60,000 0.0% 0.1%
    Northpointe Bank $55,000 n/a 0.1%
    HEARTLAND CREDIT UNION $35,000 n/a 0.0%
    NEWREZ LLC $660,000 $35,000 -94.7% 0.0%
    The City National Bank and Trust Company of Lawton $55,000 $35,000 -36.4% 0.0%
    Tinker Federal Credit Union $280,000 $35,000 -87.5% 0.0%
    Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

    Ponca City's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 14.2% market share. In second place, with 10.8%, is First National Bank Of Oklahoma, having originated $11,870,000 in loans. In third place, with 9.2%, is RCB Bank, having originated $10,120,000 in loans. In fourth place, with 8.9%, is Equity Bank, having originated $9,810,000 in loans. In fifth place, with 6.0%, is QUICKEN LOANS, LLC, having originated $6,640,000 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
    Ponca City's median listing price for 2023-02-01 was $192,200, a difference of $60,200 (45.6%) versus the prior year and $250 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 2023-02-01 was $218,818, a difference of $16,456 (8.1%) versus the prior year and $9,008 versus the prior month.

    For the 2023-02-01 period, Ponca City had 80 MLS listings, a difference of -2 listings (-2%) versus the prior month and 18 listings (29%) 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 1,687 sqft
    2018-03-01 0 days 1,700 sqft
    2018-04-01 0 days 1,683 sqft
    2018-05-01 0 days 1,698 sqft
    2018-06-01 0 days 1,739 sqft
    2018-07-01 0 days 1,798 sqft
    2018-08-01 0 days 1,763 sqft
    2018-09-01 0 days 1,728 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 1,625 sqft
    2020-04-01 0 days 1,610 sqft
    2020-05-01 0 days 1,634 sqft
    2020-06-01 0 days 1,742 sqft
    2020-07-01 0 days 1,683 sqft
    2020-08-01 0 days 1,664 sqft
    2020-09-01 0 days 1,606 sqft
    2020-10-01 0 days 1,629 sqft
    2020-11-01 0 days 1,572 sqft
    2020-12-01 0 days 1,614 sqft
    2021-01-01 0 days 1,543 sqft
    2021-02-01 0 days 1,570 sqft
    2021-03-01 0 days 1,650 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
    Ponca City's median listing age (time on market) for 2023-02-01 was 0 days.

    Ponca City's median square footage for active listings during the 2023-02-01 period was 1,943 sqft. One year prior, the average listing was 1,591 sqft.

    Ponca City, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 508 $75,690,000 $148,996
    Refi 168 $18,370,000 $109,345
    Cash Out Refi 87 $10,985,000 $126,264
    Home Improvement 56 $3,140,000 $56,071
    Other 29 $1,785,000 $61,552

    Ponca City's most frequently cited loan purpose was Home Purchase, with 508 originations. The 2nd most popular reason was Refi, with 168 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 204 $28,270,000 $138,578
    4-5% 154 $18,180,000 $118,052
    3-4% 148 $22,540,000 $152,297
    6-7% 113 $14,325,000 $126,770
    7-8% 49 $4,835,000 $98,673
    <2.5% 43 $3,385,000 $78,721
    2.5-3% 27 $4,275,000 $158,333
    Over 8% 15 $1,175,000 $78,333

    During 2022, Ponca City's most frequently originated rate bucket was 5-6%, with 204 originations.

    Loan Sizing (Ponca City, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 421 $25,005,000 $59,394
    $100k-200k 304 $42,790,000 $140,757
    $200k-400k 105 $27,555,000 $262,429
    $400k-600k 12 $5,660,000 $471,667
    $600k-1000k 3 $2,125,000 $708,333
    $Over $1MM 3 $6,835,000 $2,278,333

    Ponca City's loan sizing saw the bucket of loans from $100,000 or less with 421 originations, totaling $25,005,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 388 $55,970,000 $144,253
    60-80% 177 $21,655,000 $122,345
    20-40% 67 $4,925,000 $73,507
    40-60% 64 $8,190,000 $127,969
    Under 20% 40 $1,680,000 $42,000
    Over 100% 9 $1,525,000 $169,444

    Ponca City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 388 originations, totaling $55,970,000 in origination value.