Stillwater 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 Stillwater averaged 6.89% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.74% and one month ago for the week of 2025-04-17, the average rate was 6.96%.

    Stillwater's average rate one year ago was 7.15%.

    For refis of the same type during the week of 2025-05-22, the average rate was 6.86%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Stillwater 30 Year Fixed Rate 2025-05-22 6.89%
    Stillwater 30 Year Fixed Rate Refi 2025-05-22 6.86%
    Stillwater 15 Year Fixed Rate 2025-05-22 6.01%
    Stillwater 15 Year Fixed Rate Refi 2025-05-22 5.91%
    Stillwater 30 Year FHA 2025-05-22 6.92%
    Stillwater 30 Year FHA Refi 2025-05-22 6.51%
    Stillwater 30 Year USDA 2025-05-22 6.53%
    Stillwater 30 Year USDA Refi 2025-05-22 6.63%
    Stillwater 30 Year VA 2025-05-22 6.88%
    Stillwater 30 Year VA Refi 2025-05-22 6.32%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Stillwater, OK.

    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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Simmons Bank 45 6.84% $4,442
    BancFirst 43 6.82% $4,546
    QUICKEN LOANS, LLC 20 6.70% $7,442
    Great Plains National Bank 18 6.74% $5,689
    CWM PARTNERS, L.P. 12 6.57% $4,760
    Arvest Bank 8 6.86% $4,560
    FLAT BRANCH MORTGAGE, INC. 8 6.86% $5,720
    RCB Bank 7 6.08% $4,294
    First United Bank and Trust Company 7 6.88% $5,784
    JPMorgan Chase Bank 6 7.08% $3,084
    SENTE MORTGAGE, INC. 5 7.47% $7,775
    USAA Federal Savings Bank 5 6.75% $4,504
    CORNERSTONE HOME LENDING, INC. 5 6.77% $8,489
    Gateway First Bank 4 7.06% $6,637
    ASSOCIATED MORTGAGE CORPORATION 4 6.75% $3,346
    BOKF 4 6.69% $6,033
    UNITED WHOLESALE MORTGAGE, LLC 4 6.84% $5,182
    NEWREZ LLC 4 6.56% $5,465
    Wells Fargo Bank 3 6.92% $4,729
    TTCU Federal Credit Union 3 7.71% $3,875
    American Mortgage & Equity Consultants, Inc. 3 7.21% $6,019
    Bank of America 3 6.67% $4,709
    NAVY FEDERAL CREDIT UNION 3 6.50% $4,856
    BROKER SOLUTIONS, INC. 3 7.42% $6,188
    Stride Bank 3 6.67% $7,933
    Truity Federal Credit Union 2 6.81% $4,840
    CHURCHILL MORTGAGE CORPORATION 2 6.93% $3,595
    Farm Credit Mid-America, ACA 2 7.25% $6,557
    GUILD MORTGAGE COMPANY 2 7.13% $4,184
    Mr. Cooper ( Nationstar Mortgage ) 2 7.18% $8,799
    PNC Bank 2 6.25% $7,276
    The Central Trust Bank 2 6.81% $5,593
    Tinker Federal Credit Union 2 6.63% $4,921
    U.S. Bank 2 6.69% $4,943
    Morgan Stanley Private Bank 1 6.50% $2,707
    Mortgage Investment Services Corporation 1 6.63% $4,234
    Mortgage Research Center, LLC 1 6.99% $7,335
    ZILLOW HOME LOANS, LLC 1 6.88% $4,757
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.99% $9,886
    First National Bank and Trust Company 1 6.63% $4,288
    NBKC BANK 1 7.50% $3,886
    First Bank 1 6.99% $7,237
    NexBank 1 8.13% $8,664
    PENNYMAC LOAN SERVICES, LLC 1 6.75% $8,231
    Pinnacle Bank 1 6.88% $4,378
    PLAZA HOME MORTGAGE, INC. 1 7.13% $6,555
    V.I.P. MORTGAGE, INC. 1 6.99% $6,002
    POLARIS HOME FUNDING CORP. 1 7.13% $17,442
    PREMIA MORTGAGE, LLC 1 6.08% $1,582
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.63% $10,307
    Raymond James Bank 1 6.38% $3,861
    RBC Bank, (Georgia) 1 6.38% $2,819
    Eagle Bank and Trust Company 1 6.63% $4,699
    Deere Employees Credit Union 1 5.99% $4,442
    COMMUNICATION 1 6.63% $3,615
    Stifel Bank and Trust 1 6.00% $2,807
    City National Bank 1 6.88% $5,781
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $8,640
    SWBC MORTGAGE CORPORATION 1 6.88% $0
    Waterstone Mortgage Corporation 1 6.63% $11,079
    Ally Bank 1 6.50% $2,731
    Truist 1 7.10% $3,810
    21ST MORTGAGE CORPORATION 1 9.02% $5,861
    Centennial Bank 1 8.13% $11,519
    CARDINAL FINANCIAL 1 7.63% $4,128
    GUARANTEED RATE, INC. 1 7.38% $3,445
    BETTER MORTGAGE CORPORATION 1 6.63% $3,590
    HOMESIDE FINANCIAL, LLC 1 6.38% $4,656
    GREENSTATE CREDIT UNION 1 6.88% $4,355
    LOANDEPOT.COM, LLC 1 6.13% $21,495
    MidFirst Bank 1 6.15% $10,383

    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 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 $179,950 (7.7%) $235,392 (17.8%) 0.00 319
    2018-04-01 $191,600 (16.1%) $249,013 (18.2%) 0.00 292
    2018-05-01 $193,500 (15.5%) $251,836 (19.4%) 0.00 294
    2018-06-01 $189,500 (12.2%) $245,050 (14.9%) 0.00 312
    2018-07-01 $194,925 (14.7%) $247,206 (16.7%) 0.00 349
    2018-08-01 $189,550 (13.2%) $245,768 (12.8%) 0.00 345
    2018-09-01 $189,900 (13.4%) $239,567 (6.5%) 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 $194,186 (7.9%) $246,963 (4.9%) 0.00 320
    2019-04-01 $196,586 (2.6%) $256,595 (3.0%) 0.00 331
    2019-05-01 $191,000 (-1.3%) $261,167 (3.7%) 0.00 333
    2019-06-01 $189,900 (0.2%) $255,223 (4.2%) 0.00 334
    2019-07-01 $179,950 (-7.7%) $246,472 (-0.3%) 0.00 315
    2019-08-01 $182,273 (-3.8%) $248,753 (1.2%) 0.00 317
    2019-09-01 $180,432 (-5.0%) $245,424 (2.5%) 0.00 328
    2019-10-01 $179,205 (-1.5%) $243,201 (3.3%) 0.00 337
    2019-11-01 $175,000 (-2.8%) $243,934 (3.2%) 0.00 320
    2019-12-01 $173,975 (-3.3%) $244,901 (5.7%) 0.00 287
    2020-01-01 $172,375 (-8.2%) $240,626 (2.5%) 0.00 265
    2020-02-01 $174,950 (-7.9%) $248,863 (3.4%) 0.00 273
    2020-03-01 $195,450 (0.7%) $253,298 (2.6%) 0.00 293
    2020-04-01 $199,850 (1.7%) $259,909 (1.3%) 0.00 276
    2020-05-01 $210,000 (10.0%) $269,978 (3.4%) 0.00 265
    2020-06-01 $202,475 (6.6%) $268,821 (5.3%) 0.00 263
    2020-07-01 $206,750 (14.9%) $273,466 (11.0%) 0.00 230
    2020-08-01 $209,950 (15.2%) $277,263 (11.5%) 0.00 211
    2020-09-01 $203,100 (12.6%) $270,856 (10.4%) 0.00 207
    2020-10-01 $189,900 (6.0%) $260,679 (7.2%) 0.00 194
    2020-11-01 $187,000 (6.9%) $257,773 (5.7%) 0.00 167
    2020-12-01 $189,975 (9.2%) $271,403 (10.8%) 0.00 158
    2021-01-01 $199,900 (16.0%) $269,871 (12.2%) 0.00 132
    2021-02-01 $212,500 (21.5%) $261,919 (5.3%) 0.00 127
    2021-03-01 $193,500 (-1.0%) $259,783 (2.6%) 0.00 104
    2021-04-01 $193,166 (-3.3%) $274,535 (5.6%) 0.00 95
    2021-05-01 $195,245 (-7.0%) $254,774 (-5.6%) 0.00 103
    2021-06-01 $202,500 (0.0%) $289,043 (7.5%) 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 (-11.8%) 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
    2023-05-01 $272,450 (15.4%) $349,371 (1.4%) 0.00 174
    2023-06-01 $274,950 (17.6%) $340,020 (-0.5%) 0.00 160
    2023-07-01 $253,042 (-2.9%) $325,448 (-14.0%) 0.00 188
    2023-08-01 $267,125 (-6.1%) $319,615 (-20.4%) 0.00 196
    2023-09-01 $240,000 (-4.7%) $314,700 (-17.7%) 0.00 212
    2023-10-01 $237,175 (-3.2%) $304,199 (-11.5%) 0.00 216
    2023-11-01 $249,350 (-2.2%) $340,735 (-2.7%) 0.00 212
    2023-12-01 $239,900 (-4.6%) $337,550 (-5.2%) 0.00 208
    2024-01-01 $231,371 (-8.3%) $334,865 (-8.5%) 0.00 207
    2024-02-01 $236,504 (-2.2%) $357,498 (-0.9%) 0.00 209
    2024-03-01 $240,000 (-3.0%) $369,940 (4.6%) 0.00 217
    2024-04-01 $263,495 (5.4%) $416,853 (20.1%) 0.00 214
    2024-05-01 $259,262 (-4.8%) $384,773 (10.1%) 0.00 235
    2024-06-01 $255,500 (-7.1%) $382,211 (12.4%) 0.00 258
    2024-07-01 $259,945 (2.7%) $393,782 (21.0%) 0.00 261
    2024-08-01 $256,574 (-4.0%) $386,653 (21.0%) 0.00 260
    2024-09-01 $254,745 (6.1%) $387,020 (23.0%) 0.00 277
    2024-10-01 $253,994 (7.1%) $389,686 (28.1%) 0.00 265
    2024-11-01 $259,990 (4.3%) $387,337 (13.7%) 0.00 260
    2024-12-01 $241,248 (0.6%) $382,497 (13.3%) 0.00 245
    2025-01-01 $240,500 (4.0%) $383,881 (14.6%) 0.00 219
    2025-02-01 $251,433 (6.3%) $400,932 (12.2%) 0.00 202
    2025-03-01 $299,450 (24.8%) $423,006 (14.3%) 0.00 201
    2025-04-01 $316,000 (19.9%) $421,306 (1.1%) 0.00 213
    Stillwater's median listing price for 2025-04-01 was $316,000, a difference of $52,505 (19.9%) versus the prior year and $16,550 versus the prior month.

    Stillwater's median listing price comes in at 0% of the national average.

    Stillwater's average listing price for 2025-04-01 was $421,306, a difference of $4,453 (1.1%) versus the prior year and $-1,700 versus the prior month.

    For the 2025-04-01 period, Stillwater had 213 MLS listings, a difference of 12 listings (6%) versus the prior month and -1 listings (0%) 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 1,839 sqft
    2018-05-01 0 days 1,897 sqft
    2018-06-01 0 days 1,842 sqft
    2018-07-01 0 days 1,875 sqft
    2018-08-01 0 days 1,842 sqft
    2018-09-01 0 days 1,817 sqft
    2018-10-01 0 days 1,782 sqft
    2018-11-01 0 days 1,824 sqft
    2018-12-01 0 days 1,748 sqft
    2019-01-01 0 days 1,753 sqft
    2019-02-01 0 days 1,818 sqft
    2019-03-01 0 days 1,848 sqft
    2019-04-01 0 days 1,881 sqft
    2019-05-01 0 days 1,895 sqft
    2019-06-01 0 days 1,868 sqft
    2019-07-01 0 days 1,799 sqft
    2019-08-01 0 days 1,797 sqft
    2019-09-01 0 days 1,788 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 1,772 sqft
    2020-03-01 0 days 1,829 sqft
    2020-04-01 0 days 1,879 sqft
    2020-05-01 0 days 1,917 sqft
    2020-06-01 0 days 1,865 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
    2023-05-01 0 days 1,753 sqft
    2023-06-01 0 days 1,768 sqft
    2023-07-01 0 days 1,661 sqft
    2023-08-01 0 days 1,698 sqft
    2023-09-01 0 days 1,665 sqft
    2023-10-01 0 days 1,633 sqft
    2023-11-01 0 days 1,691 sqft
    2023-12-01 0 days 1,690 sqft
    2024-01-01 0 days 1,628 sqft
    2024-02-01 0 days 1,676 sqft
    2024-03-01 0 days 1,676 sqft
    2024-04-01 0 days 1,767 sqft
    2024-05-01 0 days 1,747 sqft
    2024-06-01 0 days 1,757 sqft
    2024-07-01 0 days 1,800 sqft
    2024-08-01 0 days 1,758 sqft
    2024-09-01 0 days 1,792 sqft
    2024-10-01 0 days 1,776 sqft
    2024-11-01 0 days 1,837 sqft
    2024-12-01 0 days 1,735 sqft
    2025-01-01 0 days 1,708 sqft
    2025-02-01 0 days 1,806 sqft
    2025-03-01 0 days 1,896 sqft
    2025-04-01 0 days 1,940 sqft
    Stillwater's median listing age (time on market) for 2025-04-01 was 0 days.

    Stillwater's median square footage for active listings during the 2025-04-01 period was 1,940 sqft. One year prior, the average listing was 1,767 sqft.

    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.