Stillwater Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Stillwater averaged
6.5%
for the week of 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
6.12% and
one month ago for the week of 2023-04-20, the
average rate was 6.22%.
Stillwater's average rate one year ago was 5.08%.
For refis of the same type during the week of 2023-05-25, the average rate
was 6.57%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Stillwater 30 Year Fixed Rate | 2023-05-25 | 6.5% |
| Stillwater 30 Year Fixed Rate Refi | 2023-05-25 | 6.57% |
| Stillwater 15 Year Fixed Rate | 2023-05-25 | 5.87% |
| Stillwater 15 Year Fixed Rate Refi | 2023-05-25 | 6.47% |
| Stillwater 30 Year FHA | 2023-05-25 | 6.54% |
| Stillwater 30 Year FHA Refi | 2023-05-25 | 6.71% |
| Stillwater 30 Year USDA | 2023-05-25 | 6.73% |
| Stillwater 30 Year USDA Refi | 2023-05-25 | 6.53% |
| Stillwater 30 Year VA | 2023-05-25 | 6.19% |
| Stillwater 30 Year VA Refi | 2023-05-25 | 6.51% |
Stillwater 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 Stillwater, 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.).
Stillwater Average Closing Costs & Other Stats
Stillwater, OK's 97 lenders originated 1,259
loans during 2022. The total origination value was $269,655,000, with an average loan value of
$214,182.
Stillwater's average closing costs are $4,771.
The top Stillwater lender as defined by loan originations is Simmons Bank, with
48 loans originated. Their average total fees are
$4,635, which is $333
lower than the next largest lender,
Stride Bank.
The lowest fee Stillwater lenders (with over 10 loans originated) are
CWM PARTNERS, L.P. ($4,484), RCB Bank ($4,588), Simmons Bank ($4,635), Stride Bank ($4,968) and BancFirst ($5,024).
The lowest rate Stillwater lenders (with over 10 loans originated) are
SENTE MORTGAGE, INC. (4.45%), Gateway First Bank (4.54%), Arvest Bank (4.58%), Simmons Bank (4.76%) and QUICKEN LOANS, LLC (4.91%).
Stillwater, 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 |
|---|---|---|---|---|
| BancFirst | $45,380,000 | $31,510,000 | -30.6% | 11.7% |
| READYCAP COMMERCIAL, LLC | $19,995,000 | n/a | 7.4% | |
| Simmons Bank | $42,620,000 | $18,785,000 | -55.9% | 7.0% |
| Stride Bank | $27,700,000 | $15,945,000 | -42.4% | 5.9% |
| RCB Bank | $11,210,000 | $12,490,000 | 11.4% | 4.6% |
| QUICKEN LOANS, LLC | $27,795,000 | $11,390,000 | -59.0% | 4.2% |
| Great Plains National Bank | $6,650,000 | $10,325,000 | 55.3% | 3.8% |
| Arvest Bank | $8,530,000 | $9,990,000 | 17.1% | 3.7% |
| SENTE MORTGAGE, INC. | $325,000 | $5,845,000 | 1,698.5% | 2.2% |
| Mortgage Research Center, LLC | $6,585,000 | $5,640,000 | -14.4% | 2.1% |
| CWM PARTNERS, L.P. | $6,100,000 | $5,600,000 | -8.2% | 2.1% |
| Gateway First Bank | $3,120,000 | $5,205,000 | 66.8% | 1.9% |
| First United Bank and Trust Company | $6,140,000 | $4,700,000 | -23.5% | 1.7% |
| AMCAP MORTGAGE, LTD. | $5,765,000 | $4,585,000 | -20.5% | 1.7% |
| ASSOCIATED MORTGAGE CORPORATION | $2,350,000 | $3,475,000 | 47.9% | 1.3% |
| First Oklahoma Bank | $3,425,000 | n/a | 1.3% | |
| CROSSCOUNTRY MORTGAGE, LLC | $5,205,000 | $2,750,000 | -47.2% | 1.0% |
| CORNERSTONE HOME LENDING, INC. | $3,060,000 | $2,595,000 | -15.2% | 1.0% |
| PNC Bank | $340,000 | $2,460,000 | 623.5% | 0.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,355,000 | $2,345,000 | 73.1% | 0.9% |
| Wells Fargo Bank | $4,640,000 | $2,245,000 | -51.6% | 0.8% |
| JPMorgan Chase Bank | $2,360,000 | $2,180,000 | -7.6% | 0.8% |
| First Bank & Trust Co. | $1,585,000 | $2,040,000 | 28.7% | 0.8% |
| LOANDEPOT.COM, LLC | $2,715,000 | $2,040,000 | -24.9% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,020,000 | $2,020,000 | 0.0% | 0.7% |
| Mabrey Bank | $305,000 | $1,860,000 | 509.8% | 0.7% |
| BOKF | $1,605,000 | $1,700,000 | 5.9% | 0.6% |
| USAA Federal Savings Bank | $2,910,000 | $1,645,000 | -43.5% | 0.6% |
| BROKER SOLUTIONS, INC. | $1,005,000 | $1,615,000 | 60.7% | 0.6% |
| Prosperity Bank | $760,000 | $1,590,000 | 109.2% | 0.6% |
| MID AMERICA MORTGAGE, INC. | $1,335,000 | $1,550,000 | 16.1% | 0.6% |
| U.S. Bank | $2,345,000 | $1,515,000 | -35.4% | 0.6% |
| 21ST MORTGAGE CORPORATION | $1,635,000 | $1,490,000 | -8.9% | 0.6% |
| Flagstar Bank, FSB | $1,240,000 | $1,380,000 | 11.3% | 0.5% |
| Bank of America | $2,485,000 | $1,355,000 | -45.5% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $1,960,000 | $1,330,000 | -32.1% | 0.5% |
| InterBank | $480,000 | $1,280,000 | 166.7% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $2,435,000 | $1,240,000 | -49.1% | 0.5% |
| BNC National Bank | $335,000 | $1,205,000 | 259.7% | 0.4% |
| Tinker Federal Credit Union | $1,380,000 | $1,175,000 | -14.9% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $980,000 | $1,155,000 | 17.9% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $2,875,000 | $1,155,000 | -59.8% | 0.4% |
| CALIBER HOME LOANS, INC. | $3,610,000 | $1,115,000 | -69.1% | 0.4% |
| NEW DAY FINANCIAL, LLC | $900,000 | $965,000 | 7.2% | 0.4% |
| GUARANTEED RATE, INC. | $1,180,000 | $960,000 | -18.6% | 0.4% |
| AMERICAN FINANCING CORPORATION | $535,000 | $835,000 | 56.1% | 0.3% |
| Ally Bank | $300,000 | $830,000 | 176.7% | 0.3% |
| Armstrong Bank | $160,000 | $830,000 | 418.8% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $90,000 | $825,000 | 816.7% | 0.3% |
| Quail Creek Bank | $810,000 | n/a | 0.3% | |
| United Fidelity Funding Corp. | $1,125,000 | $800,000 | -28.9% | 0.3% |
| WEOKIE | $795,000 | n/a | 0.3% | |
| SWBC MORTGAGE CORPORATION | $185,000 | $785,000 | 324.3% | 0.3% |
| CrossFirst Bank | $770,000 | n/a | 0.3% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $885,000 | $760,000 | -14.1% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $1,125,000 | $745,000 | -33.8% | 0.3% |
| Chickasaw Community Bank | $905,000 | $725,000 | -19.9% | 0.3% |
| LEADERONE FINANCIAL CORPORATION | $555,000 | $725,000 | 30.6% | 0.3% |
| PHH Mortgage Corporation | $700,000 | n/a | 0.3% | |
| FINANCIAL CONCEPTS MORTGAGE, LLC | $665,000 | n/a | 0.2% | |
| EMBRACE HOME LOANS, INC. | $640,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $895,000 | $625,000 | -30.2% | 0.2% |
| F & M Bank | $605,000 | $605,000 | 0.0% | 0.2% |
| Hometown Lenders, Inc. | $220,000 | $595,000 | 170.5% | 0.2% |
| Carrington Mortgage Services, LLC | $210,000 | $585,000 | 178.6% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $585,000 | n/a | 0.2% | |
| FLAT BRANCH MORTGAGE, INC. | $880,000 | $580,000 | -34.1% | 0.2% |
| AMERICAN INTERNET MORTGAGE, INC. | $565,000 | n/a | 0.2% | |
| FREEDOM MORTGAGE CORPORATION | $5,940,000 | $565,000 | -90.5% | 0.2% |
| TTCU Federal Credit Union | $1,995,000 | $515,000 | -74.2% | 0.2% |
| Mortgage Investment Services Corporation | $715,000 | $485,000 | -32.2% | 0.2% |
| Regent Bank | $445,000 | $480,000 | 7.9% | 0.2% |
| Bank 7 | $475,000 | n/a | 0.2% | |
| Axos Bank | $470,000 | n/a | 0.2% | |
| EVERETT FINANCIAL, INC. | $115,000 | $445,000 | 287.0% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $390,000 | $430,000 | 10.3% | 0.2% |
| CIVIC FINANCIAL SERVICES, LLC | $430,000 | n/a | 0.2% | |
| Fidelity Bank | $55,000 | $430,000 | 681.8% | 0.2% |
| MORTGAGE ACCESS CORP. | $185,000 | $430,000 | 132.4% | 0.2% |
| Southern Bank | $425,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $425,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $410,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $395,000 | $405,000 | 2.5% | 0.2% |
| Renasant Bank | $225,000 | $400,000 | 77.8% | 0.1% |
| HOME POINT FINANCIAL CORPORATION | $135,000 | $390,000 | 188.9% | 0.1% |
| The Central Trust Bank | $280,000 | $375,000 | 33.9% | 0.1% |
| American Bank of Oklahoma | $85,000 | $370,000 | 335.3% | 0.1% |
| American Heritage Bank | $1,305,000 | $370,000 | -71.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $2,890,000 | $355,000 | -87.7% | 0.1% |
| KINECTA | $355,000 | n/a | 0.1% | |
| CMG MORTGAGE, INC. | $220,000 | $345,000 | 56.8% | 0.1% |
| DELMAR FINANCIAL COMPANY | $345,000 | n/a | 0.1% | |
| Regent Financial Group, Inc. | $65,000 | $345,000 | 430.8% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $345,000 | n/a | 0.1% | |
| RBC Bank, (Georgia) | $105,000 | $335,000 | 219.0% | 0.1% |
| First National Bank Of Oklahoma | $810,000 | $330,000 | -59.3% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $325,000 | n/a | 0.1% | |
| Tulsa Federal Credit Union | $205,000 | $320,000 | 56.1% | 0.1% |
| First Bank & Trust | $215,000 | $315,000 | 46.5% | 0.1% |
| Paramount Bank | $505,000 | $315,000 | -37.6% | 0.1% |
| First National Bank and Trust Company of Ardmore | $305,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $495,000 | $300,000 | -39.4% | 0.1% |
| Independent Bank | $295,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $205,000 | $295,000 | 43.9% | 0.1% |
| MORTGAGE CLEARING CORPORATION | $1,780,000 | $290,000 | -83.7% | 0.1% |
| Sooner State Bank | $195,000 | $290,000 | 48.7% | 0.1% |
| Community National Bank & Trust | $355,000 | $285,000 | -19.7% | 0.1% |
| RUOFF MORTGAGE COMPANY, INC. | $280,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $225,000 | $280,000 | 24.4% | 0.1% |
| Wichita Federal Credit Union | $275,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $255,000 | $265,000 | 3.9% | 0.1% |
| COMMUNICATION | $370,000 | $265,000 | -28.4% | 0.1% |
| Stifel Bank and Trust | $265,000 | n/a | 0.1% | |
| Vast Bank | $75,000 | $265,000 | 253.3% | 0.1% |
| AMERICAN ADVISORS GROUP | $45,000 | $260,000 | 477.8% | 0.1% |
| First Fidelity Bank | $255,000 | n/a | 0.1% | |
| First Liberty Bank | $535,000 | $250,000 | -53.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $185,000 | $245,000 | 32.4% | 0.1% |
| City Bank | $235,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $205,000 | $235,000 | 14.6% | 0.1% |
| Waterstone Mortgage Corporation | $240,000 | $235,000 | -2.1% | 0.1% |
| NEWREZ LLC | $1,110,000 | $230,000 | -79.3% | 0.1% |
| First Community Bank | $225,000 | n/a | 0.1% | |
| NBH Bank | $225,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $225,000 | n/a | 0.1% | |
| CASTLE & COOKE MORTGAGE, LLC | $215,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $215,000 | n/a | 0.1% | |
| FINANCE OF AMERICA MORTGAGE LLC | $215,000 | n/a | 0.1% | |
| Great Southern Bank | $215,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $215,000 | n/a | 0.1% | |
| Carrollton Bank | $205,000 | n/a | 0.1% | |
| Liberty National Bank | $205,000 | n/a | 0.1% | |
| First State Bank | $185,000 | $195,000 | 5.4% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,135,000 | $185,000 | -83.7% | 0.1% |
| ONY GLO, INC. | $185,000 | n/a | 0.1% | |
| The First National Bank of Fort Smith | $185,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $420,000 | $175,000 | -58.3% | 0.1% |
| GUILD MORTGAGE COMPANY | $1,205,000 | $175,000 | -85.5% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $570,000 | $175,000 | -69.3% | 0.1% |
| NFM, INC. | $175,000 | n/a | 0.1% | |
| Priority Bank | $175,000 | n/a | 0.1% | |
| The Security National Bank of Enid | $205,000 | $175,000 | -14.6% | 0.1% |
| Bank of the West | $330,000 | $165,000 | -50.0% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $105,000 | $165,000 | 57.1% | 0.1% |
| The Union Bank Company | $165,000 | n/a | 0.1% | |
| Oklahoma Educators Credit Union | $105,000 | $160,000 | 52.4% | 0.1% |
| Goldwater Bank, N.A. | $65,000 | $155,000 | 138.5% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $155,000 | n/a | 0.1% | |
| The Federal Savings Bank | $680,000 | $155,000 | -77.2% | 0.1% |
| Watermark Capital, Inc. | $295,000 | $155,000 | -47.5% | 0.1% |
| Amarillo National Bank | $145,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $895,000 | $145,000 | -83.8% | 0.1% |
| Discover Bank | $250,000 | $140,000 | -44.0% | 0.1% |
| All America Bank | $135,000 | n/a | 0.1% | |
| COUNTRYPLACE MORTGAGE, LTD. | $135,000 | n/a | 0.1% | |
| NBKC BANK | $305,000 | $135,000 | -55.7% | 0.1% |
| The Union State Bank | $135,000 | n/a | 0.1% | |
| American Mortgage Bank, LLC | $695,000 | $125,000 | -82.0% | 0.0% |
| ARKANSAS Federal Credit Union | $125,000 | n/a | 0.0% | |
| BMO Harris Bank | $125,000 | n/a | 0.0% | |
| Centennial Bank | $125,000 | n/a | 0.0% | |
| Franklin Bank & Trust Company | $125,000 | n/a | 0.0% | |
| Plains Commerce Bank | $125,000 | n/a | 0.0% | |
| Vision Bank | $220,000 | $125,000 | -43.2% | 0.0% |
| CSL Financial, LLC | $115,000 | n/a | 0.0% | |
| LOANPEOPLE, LLC | $105,000 | n/a | 0.0% | |
| VALOR BANK | $585,000 | $95,000 | -83.8% | 0.0% |
| Figure Lending LLC | $90,000 | n/a | 0.0% | |
| Equity Bank | $85,000 | n/a | 0.0% | |
| Kirkpatrick Bank | $85,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $85,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $115,000 | $85,000 | -26.1% | 0.0% |
| MidFirst Bank | $755,000 | $80,000 | -89.4% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $240,000 | $75,000 | -68.8% | 0.0% |
| Inwood National Bank | $65,000 | n/a | 0.0% | |
| M&T Bank | $65,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $430,000 | $55,000 | -87.2% | 0.0% |
| Legacy Bank | $125,000 | $25,000 | -80.0% | 0.0% |
Stillwater's top lender by overall market share is BancFirst, with 11.7% market share. In second place, with 7.4%, is READYCAP COMMERCIAL, LLC, having originated $19,995,000 in loans. In third place, with 7.0%, is Simmons Bank, having originated $18,785,000 in loans. In fourth place, with 5.9%, is Stride Bank, having originated $15,945,000 in loans. In fifth place, with 4.6%, is RCB Bank, having originated $12,490,000 in loans.
Stillwater Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Stillwater (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 | $177,525 (11.0%) | $238,269 (25.0%) | 0.00 | 269 |
| 2018-02-01 | $183,450 (11.2%) | $234,967 (21.8%) | 0.00 | 291 |
| 2018-03-01 | $179,999 (7.8%) | $235,392 (18.0%) | 0.00 | 320 |
| 2018-04-01 | $192,250 (16.5%) | $249,860 (18.8%) | 0.00 | 293 |
| 2018-05-01 | $194,000 (15.8%) | $252,667 (20.0%) | 0.00 | 295 |
| 2018-06-01 | $189,700 (12.5%) | $245,827 (15.5%) | 0.00 | 313 |
| 2018-07-01 | $194,950 (14.8%) | $247,915 (17.2%) | 0.00 | 350 |
| 2018-08-01 | $189,675 (13.2%) | $246,475 (13.2%) | 0.00 | 346 |
| 2018-09-01 | $189,900 (13.4%) | $240,328 (6.8%) | 0.00 | 329 |
| 2018-10-01 | $181,875 (7.3%) | $235,453 (-0.2%) | 0.00 | 323 |
| 2018-11-01 | $179,998 (3.2%) | $236,481 (-0.3%) | 0.00 | 330 |
| 2018-12-01 | $179,900 (3.4%) | $231,636 (-2.1%) | 0.00 | 310 |
| 2019-01-01 | $187,850 (5.8%) | $234,772 (-1.5%) | 0.00 | 294 |
| 2019-02-01 | $189,900 (3.5%) | $240,648 (2.4%) | 0.00 | 304 |
| 2019-03-01 | $198,250 (10.1%) | $248,710 (5.7%) | 0.00 | 332 |
| 2019-04-01 | $196,700 (2.3%) | $258,025 (3.3%) | 0.00 | 333 |
| 2019-05-01 | $191,000 (-1.6%) | $261,167 (3.4%) | 0.00 | 333 |
| 2019-06-01 | $189,900 (0.1%) | $255,223 (3.8%) | 0.00 | 334 |
| 2019-07-01 | $179,950 (-7.7%) | $246,472 (-0.6%) | 0.00 | 315 |
| 2019-08-01 | $182,500 (-3.8%) | $250,247 (1.5%) | 0.00 | 314 |
| 2019-09-01 | $180,000 (-5.2%) | $250,245 (4.1%) | 0.00 | 321 |
| 2019-10-01 | $179,000 (-1.6%) | $245,322 (4.2%) | 0.00 | 338 |
| 2019-11-01 | $176,500 (-1.9%) | $246,212 (4.1%) | 0.00 | 321 |
| 2019-12-01 | $174,475 (-3.0%) | $247,446 (6.8%) | 0.00 | 288 |
| 2020-01-01 | $172,563 (-8.1%) | $243,731 (3.8%) | 0.00 | 266 |
| 2020-02-01 | $175,000 (-7.9%) | $251,385 (4.5%) | 0.00 | 274 |
| 2020-03-01 | $195,950 (-1.2%) | $255,609 (2.8%) | 0.00 | 294 |
| 2020-04-01 | $199,900 (1.6%) | $262,361 (1.7%) | 0.00 | 277 |
| 2020-05-01 | $210,000 (10.0%) | $272,478 (4.3%) | 0.00 | 266 |
| 2020-06-01 | $202,475 (6.6%) | $270,068 (5.8%) | 0.00 | 263 |
| 2020-07-01 | $206,750 (14.9%) | $273,466 (11.0%) | 0.00 | 230 |
| 2020-08-01 | $209,950 (15.0%) | $278,824 (11.4%) | 0.00 | 211 |
| 2020-09-01 | $203,100 (12.8%) | $270,856 (8.2%) | 0.00 | 207 |
| 2020-10-01 | $189,900 (6.1%) | $260,679 (6.3%) | 0.00 | 194 |
| 2020-11-01 | $187,000 (6.0%) | $257,773 (4.7%) | 0.00 | 167 |
| 2020-12-01 | $189,975 (8.9%) | $271,403 (9.7%) | 0.00 | 158 |
| 2021-01-01 | $199,900 (15.8%) | $269,871 (10.7%) | 0.00 | 132 |
| 2021-02-01 | $212,500 (21.4%) | $261,919 (4.2%) | 0.00 | 127 |
| 2021-03-01 | $193,500 (-1.3%) | $259,783 (1.6%) | 0.00 | 104 |
| 2021-04-01 | $193,166 (-3.4%) | $274,535 (4.6%) | 0.00 | 95 |
| 2021-05-01 | $195,245 (-7.0%) | $254,774 (-6.5%) | 0.00 | 103 |
| 2021-06-01 | $202,500 (0.0%) | $289,043 (7.0%) | 0.00 | 101 |
| 2021-07-01 | $215,000 (4.0%) | $282,781 (3.4%) | 0.00 | 139 |
| 2021-08-01 | $167,500 (-20.2%) | $244,507 (-12.3%) | 0.00 | 182 |
| 2021-09-01 | $190,145 (-6.4%) | $259,119 (-4.3%) | 0.00 | 169 |
| 2021-10-01 | $185,000 (-2.6%) | $285,232 (9.4%) | 0.00 | 169 |
| 2021-11-01 | $177,225 (-5.2%) | $279,678 (8.5%) | 0.00 | 160 |
| 2021-12-01 | $174,950 (-7.9%) | $276,620 (1.9%) | 0.00 | 143 |
| 2022-01-01 | $173,700 (-13.1%) | $279,390 (3.5%) | 0.00 | 114 |
| 2022-02-01 | $178,450 (-16.0%) | $337,212 (28.8%) | 0.00 | 79 |
| 2022-03-01 | $246,850 (27.6%) | $394,394 (51.8%) | 0.00 | 81 |
| 2022-04-01 | $251,633 (30.3%) | $391,928 (42.8%) | 0.00 | 89 |
| 2022-05-01 | $236,200 (21.0%) | $344,442 (35.2%) | 0.00 | 98 |
| 2022-06-01 | $233,750 (15.4%) | $341,601 (18.2%) | 0.00 | 106 |
| 2022-07-01 | $260,500 (21.2%) | $378,452 (33.8%) | 0.00 | 140 |
| 2022-08-01 | $284,338 (69.8%) | $401,725 (64.3%) | 0.00 | 136 |
| 2022-09-01 | $251,843 (32.5%) | $382,480 (47.6%) | 0.00 | 140 |
| 2022-10-01 | $245,000 (32.4%) | $343,727 (20.5%) | 0.00 | 156 |
| 2022-11-01 | $255,069 (43.9%) | $350,091 (25.2%) | 0.00 | 153 |
| 2022-12-01 | $251,340 (43.7%) | $356,110 (28.7%) | 0.00 | 137 |
| 2023-01-01 | $252,170 (45.2%) | $365,923 (31.0%) | 0.00 | 134 |
| 2023-02-01 | $241,853 (35.5%) | $360,840 (7.0%) | 0.00 | 124 |
| 2023-03-01 | $247,486 (0.3%) | $353,764 (-10.3%) | 0.00 | 127 |
| 2023-04-01 | $250,000 (-0.7%) | $347,010 (-11.5%) | 0.00 | 147 |
Stillwater's median listing price comes in at 0% of the national average.
Stillwater's average listing price for 2023-04-01 was $347,010, a difference of $-44,918 (-11.5%) versus the prior year and $-6,754 versus the prior month.
For the 2023-04-01 period, Stillwater had 147 MLS listings, a difference of 20 listings (16%) versus the prior month and 58 listings (65%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Stillwater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,751 sqft |
| 2018-02-01 | 0 days | 1,770 sqft |
| 2018-03-01 | 0 days | 1,818 sqft |
| 2018-04-01 | 0 days | 1,842 sqft |
| 2018-05-01 | 0 days | 1,900 sqft |
| 2018-06-01 | 0 days | 1,847 sqft |
| 2018-07-01 | 0 days | 1,878 sqft |
| 2018-08-01 | 0 days | 1,842 sqft |
| 2018-09-01 | 0 days | 1,813 sqft |
| 2018-10-01 | 0 days | 1,776 sqft |
| 2018-11-01 | 0 days | 1,823 sqft |
| 2018-12-01 | 0 days | 1,746 sqft |
| 2019-01-01 | 0 days | 1,749 sqft |
| 2019-02-01 | 0 days | 1,815 sqft |
| 2019-03-01 | 0 days | 1,869 sqft |
| 2019-04-01 | 0 days | 1,880 sqft |
| 2019-05-01 | 0 days | 1,894 sqft |
| 2019-06-01 | 0 days | 1,864 sqft |
| 2019-07-01 | 0 days | 1,798 sqft |
| 2019-08-01 | 0 days | 1,804 sqft |
| 2019-09-01 | 0 days | 1,790 sqft |
| 2019-10-01 | 0 days | 1,780 sqft |
| 2019-11-01 | 0 days | 1,780 sqft |
| 2019-12-01 | 0 days | 1,814 sqft |
| 2020-01-01 | 0 days | 1,793 sqft |
| 2020-02-01 | 0 days | 1,776 sqft |
| 2020-03-01 | 0 days | 1,829 sqft |
| 2020-04-01 | 0 days | 1,884 sqft |
| 2020-05-01 | 0 days | 1,922 sqft |
| 2020-06-01 | 0 days | 1,866 sqft |
| 2020-07-01 | 0 days | 1,872 sqft |
| 2020-08-01 | 0 days | 1,887 sqft |
| 2020-09-01 | 0 days | 1,802 sqft |
| 2020-10-01 | 0 days | 1,751 sqft |
| 2020-11-01 | 0 days | 1,714 sqft |
| 2020-12-01 | 0 days | 1,760 sqft |
| 2021-01-01 | 0 days | 1,806 sqft |
| 2021-02-01 | 0 days | 1,836 sqft |
| 2021-03-01 | 0 days | 1,751 sqft |
| 2021-04-01 | 0 days | 1,727 sqft |
| 2021-05-01 | 0 days | 1,548 sqft |
| 2021-06-01 | 0 days | 1,545 sqft |
| 2021-07-01 | 0 days | 1,713 sqft |
| 2021-08-01 | 0 days | 1,391 sqft |
| 2021-09-01 | 0 days | 1,528 sqft |
| 2021-10-01 | 0 days | 1,477 sqft |
| 2021-11-01 | 0 days | 1,434 sqft |
| 2021-12-01 | 0 days | 1,511 sqft |
| 2022-01-01 | 0 days | 1,458 sqft |
| 2022-02-01 | 0 days | 1,494 sqft |
| 2022-03-01 | 0 days | 1,778 sqft |
| 2022-04-01 | 0 days | 1,839 sqft |
| 2022-05-01 | 0 days | 1,655 sqft |
| 2022-06-01 | 0 days | 1,743 sqft |
| 2022-07-01 | 0 days | 1,966 sqft |
| 2022-08-01 | 0 days | 2,041 sqft |
| 2022-09-01 | 0 days | 1,917 sqft |
| 2022-10-01 | 0 days | 1,900 sqft |
| 2022-11-01 | 0 days | 1,916 sqft |
| 2022-12-01 | 0 days | 1,884 sqft |
| 2023-01-01 | 0 days | 1,869 sqft |
| 2023-02-01 | 0 days | 1,840 sqft |
| 2023-03-01 | 0 days | 1,818 sqft |
| 2023-04-01 | 0 days | 1,718 sqft |
Stillwater's median square footage for active listings during the 2023-04-01 period was 1,718 sqft. One year prior, the average listing was 1,839 sqft.
Stillwater, OK Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 806 | $202,830,000 | $251,650 |
| Refi | 172 | $32,610,000 | $189,593 |
| Cash Out Refi | 123 | $22,965,000 | $186,707 |
| Home Improvement | 105 | $7,835,000 | $74,619 |
| Other | 53 | $3,415,000 | $64,434 |
Stillwater's most frequently cited loan purpose was Home Purchase, with 806 originations. The 2nd most popular reason was Refi, with 172 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 334 | $69,170,000 | $207,096 |
| 4-5% | 267 | $52,425,000 | $196,348 |
| 3-4% | 252 | $75,050,000 | $297,817 |
| 6-7% | 147 | $29,575,000 | $201,190 |
| 7-8% | 55 | $7,995,000 | $145,364 |
| 2.5-3% | 48 | $8,850,000 | $184,375 |
| Over 8% | 25 | $2,565,000 | $102,600 |
| <2.5% | 17 | $3,345,000 | $196,765 |
During 2022, Stillwater's most frequently originated rate bucket was 5-6%, with 334 originations.
Loan Sizing (Stillwater, OK MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 487 | $72,635,000 | $149,148 |
| $200k-400k | 394 | $106,990,000 | $271,548 |
| $100,000 or less | 302 | $17,540,000 | $58,079 |
| $400k-600k | 50 | $23,510,000 | $470,200 |
| $600k-1000k | 17 | $12,275,000 | $722,059 |
| $Over $1MM | 9 | $36,705,000 | $4,078,333 |
Stillwater's loan sizing saw the bucket of loans from $100k-200k with 487 originations, totaling $72,635,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 518 | $137,740,000 | $265,907 |
| 60-80% | 324 | $74,180,000 | $228,951 |
| Under 20% | 98 | $4,910,000 | $50,102 |
| 40-60% | 97 | $18,125,000 | $186,856 |
| 20-40% | 87 | $9,035,000 | $103,851 |
| Over 100% | 18 | $4,580,000 | $254,444 |
Stillwater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 518 originations, totaling $137,740,000 in origination value.