Stillwater Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Stillwater averaged
6.74%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.07% and
one month ago for the week of 2025-05-15, the
average rate was 6.94%.
Stillwater's average rate one year ago was 7.28%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Stillwater 30 Year Fixed Rate | 2025-06-18 | 6.74% |
| Stillwater 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Stillwater 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Stillwater 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Stillwater 30 Year FHA | 2025-06-18 | 0.11% |
| Stillwater 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Stillwater 30 Year USDA | 2025-06-18 | -0.1% |
| Stillwater 30 Year USDA Refi | 2025-06-18 | 0% |
| Stillwater 30 Year VA | 2025-06-18 | 0.26% |
| Stillwater 30 Year VA Refi | 2025-06-18 | -0.1% |
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 71 lenders originated 1,123
loans during 2024. The total origination value was $282,725,000, with an average loan value of
$251,759.
Stillwater's average closing costs are $5,173.
The top Stillwater lender as defined by loan originations is Simmons Bank, with
45 loans originated. Their average total fees are
$4,442, which is $104
lower than the next largest lender,
BancFirst.
The lowest fee Stillwater lenders (with over 10 loans originated) are
Simmons Bank ($4,442), BancFirst ($4,546), CWM PARTNERS, L.P. ($4,760), Great Plains National Bank ($5,689) and QUICKEN LOANS, LLC ($7,442).
The lowest rate Stillwater lenders (with over 10 loans originated) are
CWM PARTNERS, L.P. (6.57%), QUICKEN LOANS, LLC (6.70%), Great Plains National Bank (6.74%), BancFirst (6.82%) and Simmons Bank (6.84%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Metropolitan Life Insurance Co | $43,235,000 | n/a | 15.3% | |
| BancFirst | $33,575,000 | $37,580,000 | 11.9% | 13.3% |
| Great Plains National Bank | $15,285,000 | $15,785,000 | 3.3% | 5.6% |
| Simmons Bank | $19,000,000 | $14,795,000 | -22.1% | 5.2% |
| BERKELEY POINT CAPITAL LLC | $13,475,000 | n/a | 4.8% | |
| QUICKEN LOANS, LLC | $6,505,000 | $9,375,000 | 44.1% | 3.3% |
| RCB Bank | $12,160,000 | $6,240,000 | -48.7% | 2.2% |
| Arvest Bank | $5,195,000 | $5,700,000 | 9.7% | 2.0% |
| CWM PARTNERS, L.P. | $3,275,000 | $4,920,000 | 50.2% | 1.7% |
| 21ST MORTGAGE CORPORATION | $2,695,000 | $4,695,000 | 74.2% | 1.7% |
| Mortgage Research Center, LLC | $6,040,000 | $4,625,000 | -23.4% | 1.6% |
| First United Bank and Trust Company | $3,235,000 | $4,510,000 | 39.4% | 1.6% |
| SENTE MORTGAGE, INC. | $4,485,000 | $3,770,000 | -15.9% | 1.3% |
| FLAT BRANCH MORTGAGE, INC. | $1,960,000 | $3,205,000 | 63.5% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $2,440,000 | $2,995,000 | 22.7% | 1.1% |
| Signature Bank of Arkansas | $2,775,000 | n/a | 1.0% | |
| UNITED WHOLESALE MORTGAGE, LLC | $1,775,000 | $2,565,000 | 44.5% | 0.9% |
| BOKF | $555,000 | $2,435,000 | 338.7% | 0.9% |
| ASSOCIATED MORTGAGE CORPORATION | $1,880,000 | $2,430,000 | 29.3% | 0.9% |
| First Bank & Trust Co. | $1,030,000 | $2,145,000 | 108.3% | 0.8% |
| CORNERSTONE HOME LENDING, INC. | $3,585,000 | $2,005,000 | -44.1% | 0.7% |
| USAA Federal Savings Bank | $1,070,000 | $1,840,000 | 72.0% | 0.7% |
| American Mortgage & Equity Consultants, Inc. | $825,000 | $1,800,000 | 118.2% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $460,000 | $1,765,000 | 283.7% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $615,000 | $1,720,000 | 179.7% | 0.6% |
| Regent Bank | $450,000 | $1,585,000 | 252.2% | 0.6% |
| Tinker Federal Credit Union | $840,000 | $1,500,000 | 78.6% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,225,000 | $1,455,000 | -34.6% | 0.5% |
| BLUE SKY BANK | $250,000 | $1,430,000 | 472.0% | 0.5% |
| JPMorgan Chase Bank | $1,300,000 | $1,380,000 | 6.2% | 0.5% |
| Stride Bank | $3,430,000 | $1,355,000 | -60.5% | 0.5% |
| Gateway First Bank | $2,610,000 | $1,275,000 | -51.1% | 0.5% |
| NEWREZ LLC | $275,000 | $1,270,000 | 361.8% | 0.4% |
| LOANDEPOT.COM, LLC | $1,155,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $1,110,000 | n/a | 0.4% | |
| Wells Fargo Bank | $1,490,000 | $1,090,000 | -26.8% | 0.4% |
| MidFirst Bank | $990,000 | $1,080,000 | 9.1% | 0.4% |
| SWBC MORTGAGE CORPORATION | $340,000 | $985,000 | 189.7% | 0.3% |
| Bank of America | $420,000 | $975,000 | 132.1% | 0.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | $970,000 | n/a | 0.3% | |
| CARDINAL FINANCIAL | $330,000 | $965,000 | 192.4% | 0.3% |
| UNION HOME MORTGAGE CORP. | $270,000 | $930,000 | 244.4% | 0.3% |
| First National Bank Of Oklahoma | $540,000 | $900,000 | 66.7% | 0.3% |
| GUILD MORTGAGE COMPANY | $1,590,000 | $850,000 | -46.5% | 0.3% |
| American Nation Bank | $845,000 | n/a | 0.3% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $185,000 | $810,000 | 337.8% | 0.3% |
| U.S. Bank | $165,000 | $800,000 | 384.8% | 0.3% |
| First National Bank and Trust Company | $21,325,000 | $785,000 | -96.3% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $145,000 | $760,000 | 424.1% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $700,000 | n/a | 0.2% | |
| GREENSTATE CREDIT UNION | $690,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $225,000 | $685,000 | 204.4% | 0.2% |
| GUARANTEED RATE, INC. | $845,000 | $675,000 | -20.1% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $670,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $650,000 | n/a | 0.2% | |
| The Central Trust Bank | $125,000 | $640,000 | 412.0% | 0.2% |
| TTCU Federal Credit Union | $565,000 | $630,000 | 11.5% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $340,000 | $625,000 | 83.8% | 0.2% |
| PREMIA MORTGAGE, LLC | $290,000 | $615,000 | 112.1% | 0.2% |
| Quail Creek Bank | $145,000 | $605,000 | 317.2% | 0.2% |
| Truity Federal Credit Union | $550,000 | n/a | 0.2% | |
| The Federal Savings Bank | $185,000 | $545,000 | 194.6% | 0.2% |
| VALOR BANK | $175,000 | $515,000 | 194.3% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $320,000 | $510,000 | 59.4% | 0.2% |
| Deere Employees Credit Union | $505,000 | n/a | 0.2% | |
| V.I.P. MORTGAGE, INC. | $500,000 | n/a | 0.2% | |
| First Liberty Bank | $525,000 | $490,000 | -6.7% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $440,000 | $485,000 | 10.2% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $855,000 | $485,000 | -43.3% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $475,000 | n/a | 0.2% | |
| American Heritage Bank | $665,000 | $470,000 | -29.3% | 0.2% |
| Farm Credit Mid-America, ACA | $470,000 | n/a | 0.2% | |
| PNC Bank | $15,000 | $470,000 | 3,033.3% | 0.2% |
| POLARIS HOME FUNDING CORP. | $455,000 | n/a | 0.2% | |
| 13946 | $1,385,000 | $450,000 | -67.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $595,000 | $450,000 | -24.4% | 0.2% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $435,000 | n/a | 0.2% | |
| ONY GLO, INC. | $435,000 | n/a | 0.2% | |
| AmeriHome Mortgage Company, LLC | $420,000 | n/a | 0.1% | |
| Bank 7 | $185,000 | $415,000 | 124.3% | 0.1% |
| Discover Bank | $640,000 | $415,000 | -35.2% | 0.1% |
| Nations Lending Corporation | $410,000 | n/a | 0.1% | |
| Academy Bank | $405,000 | n/a | 0.1% | |
| GARDNER FINANCIAL SERVICES, LTD. | $405,000 | n/a | 0.1% | |
| Raymond James Bank | $405,000 | n/a | 0.1% | |
| Pinnacle Bank | $395,000 | n/a | 0.1% | |
| Firstar Bank | $390,000 | n/a | 0.1% | |
| CMG MORTGAGE, INC. | $990,000 | $375,000 | -62.1% | 0.1% |
| City National Bank | $365,000 | n/a | 0.1% | |
| Inwood National Bank | $360,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $125,000 | $355,000 | 184.0% | 0.1% |
| PLANET HOME LENDING, LLC | $275,000 | $355,000 | 29.1% | 0.1% |
| Waterstone Mortgage Corporation | $190,000 | $355,000 | 86.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $440,000 | $340,000 | -22.7% | 0.1% |
| Plains Commerce Bank | $335,000 | n/a | 0.1% | |
| MORTGAGE CLEARING CORPORATION | $315,000 | n/a | 0.1% | |
| RBC Bank, (Georgia) | $95,000 | $305,000 | 221.1% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $265,000 | $305,000 | 15.1% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $175,000 | $305,000 | 74.3% | 0.1% |
| Centennial Bank | $295,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $220,000 | $295,000 | 34.1% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $295,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $295,000 | n/a | 0.1% | |
| The Security National Bank of Enid | $285,000 | n/a | 0.1% | |
| Regent Financial Group, Inc. | $275,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $270,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $265,000 | n/a | 0.1% | |
| NBKC BANK | $205,000 | $265,000 | 29.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $320,000 | $265,000 | -17.2% | 0.1% |
| Armstrong Bank | $170,000 | $255,000 | 50.0% | 0.1% |
| Commerce Home Mortgage, Inc. | $255,000 | n/a | 0.1% | |
| First Bank | $255,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $115,000 | $245,000 | 113.0% | 0.1% |
| Blue Ridge Bank | $245,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $265,000 | $235,000 | -11.3% | 0.1% |
| SOUTHWEST FUNDING, LP | $225,000 | n/a | 0.1% | |
| LOANPAL, LLC | $220,000 | n/a | 0.1% | |
| COMMUNITY BANK | $65,000 | $215,000 | 230.8% | 0.1% |
| Eagle Bank and Trust Company | $215,000 | n/a | 0.1% | |
| AMERICAN HOMESTAR MORTGAGE, L.L.C. | $205,000 | n/a | 0.1% | |
| First Financial Bank | $205,000 | n/a | 0.1% | |
| Liberty National Bank | $205,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $325,000 | $200,000 | -38.5% | 0.1% |
| Ally Bank | $195,000 | n/a | 0.1% | |
| OCMBC, INC. | $195,000 | n/a | 0.1% | |
| The First National Bank and Trust Co. | $195,000 | n/a | 0.1% | |
| Figure Lending LLC | $245,000 | $190,000 | -22.4% | 0.1% |
| A&D Mortgage LLC | $185,000 | n/a | 0.1% | |
| Chickasaw Community Bank | $875,000 | $185,000 | -78.9% | 0.1% |
| Stifel Bank and Trust | $185,000 | n/a | 0.1% | |
| The Union State Bank | $185,000 | n/a | 0.1% | |
| TOLLESON PRIVATE BANK | $185,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $335,000 | $185,000 | -44.8% | 0.1% |
| Magnolia Bank | $165,000 | n/a | 0.1% | |
| OKLAHOMA'S | $695,000 | $165,000 | -76.3% | 0.1% |
| Truist | $905,000 | $165,000 | -81.8% | 0.1% |
| THE MORTGAGE LINK, INC. | $625,000 | $155,000 | -75.2% | 0.1% |
| COMMUNICATION | $240,000 | $145,000 | -39.6% | 0.1% |
| NexBank | $175,000 | $145,000 | -17.1% | 0.1% |
| Equity Prime Mortgage LLC | $135,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $1,005,000 | $125,000 | -87.6% | 0.0% |
| Mabrey Bank | $55,000 | $125,000 | 127.3% | 0.0% |
| Mortgage Investment Services Corporation | $280,000 | $125,000 | -55.4% | 0.0% |
| NBC Oklahoma | $85,000 | $125,000 | 47.1% | 0.0% |
| River Bank & Trust | $115,000 | n/a | 0.0% | |
| Citibank | $95,000 | $105,000 | 10.5% | 0.0% |
| US MORTGAGE CORPORATION | $155,000 | $105,000 | -32.3% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $100,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $90,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $230,000 | $85,000 | -63.0% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $145,000 | $85,000 | -41.4% | 0.0% |
| Oklahoma Educators Credit Union | $115,000 | $85,000 | -26.1% | 0.0% |
| Prosperity Bank | $410,000 | $85,000 | -79.3% | 0.0% |
| Tulsa Federal Credit Union | $225,000 | $85,000 | -62.2% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $75,000 | n/a | 0.0% | |
| Triad Bank | $35,000 | n/a | 0.0% | |
| WEOKIE | $150,000 | $35,000 | -76.7% | 0.0% |
| ALLEGIANCE | $45,000 | $25,000 | -44.4% | 0.0% |
Stillwater's top lender by overall market share is Metropolitan Life Insurance Co, with 15.3% market share. In second place, with 13.3%, is BancFirst, having originated $37,580,000 in loans. In third place, with 5.6%, is Great Plains National Bank, having originated $15,785,000 in loans. In fourth place, with 5.2%, is Simmons Bank, having originated $14,795,000 in loans. In fifth place, with 4.8%, is BERKELEY POINT CAPITAL LLC, having originated $13,475,000 in loans.
Stillwater, OK Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 769 | $230,875,000 | $300,228 |
| Refi | 144 | $27,670,000 | $192,153 |
| Home Improvement | 74 | $4,830,000 | $65,270 |
| Other | 70 | $6,510,000 | $93,000 |
| Cash Out Refi | 65 | $12,585,000 | $193,615 |
| NA | 1 | $255,000 | $255,000 |
Stillwater's most frequently cited loan purpose was Home Purchase, with 769 originations. The 2nd most popular reason was Refi, with 144 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 407 | $97,835,000 | $240,381 |
| 7-8% | 268 | $100,790,000 | $376,082 |
| Over 8% | 187 | $20,645,000 | $110,401 |
| 5-6% | 109 | $38,125,000 | $349,771 |
| <2.5% | 10 | $250,000 | $25,000 |
| 4-5% | 8 | $1,980,000 | $247,500 |
| 2.5-3% | 2 | $450,000 | $225,000 |
| 3-4% | 1 | $105,000 | $105,000 |
During 2024, Stillwater's most frequently originated rate bucket was 6-7%, with 407 originations.
Loan Sizing (Stillwater, OK MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 371 | $56,925,000 | $153,437 |
| $200k-400k | 371 | $98,035,000 | $264,245 |
| $100,000 or less | 300 | $17,500,000 | $58,333 |
| $400k-600k | 53 | $25,055,000 | $472,736 |
| $600k-1000k | 20 | $14,260,000 | $713,000 |
| $Over $1MM | 8 | $70,950,000 | $8,868,750 |
Stillwater's loan sizing saw the bucket of loans from $100k-200k with 371 originations, totaling $56,925,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 473 | $115,215,000 | $243,584 |
| 60-80% | 232 | $107,480,000 | $463,276 |
| Under 20% | 92 | $4,160,000 | $45,217 |
| 20-40% | 87 | $8,435,000 | $96,954 |
| 40-60% | 77 | $13,385,000 | $173,831 |
| Over 100% | 14 | $5,210,000 | $372,143 |
Stillwater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 473 originations, totaling $115,215,000 in origination value.