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 7.1% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.78% and one month ago for the week of 2024-03-14, the average rate was 6.74%.

    Stillwater's average rate one year ago was 6.37%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.5%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Stillwater 30 Year Fixed Rate 2024-04-18 7.1%
    Stillwater 30 Year Fixed Rate Refi 2024-04-18 7.5%
    Stillwater 15 Year Fixed Rate 2024-04-18 6.49%
    Stillwater 15 Year Fixed Rate Refi 2024-04-18 6.99%
    Stillwater 30 Year FHA 2024-04-18 6.79%
    Stillwater 30 Year FHA Refi 2024-04-18 7.06%
    Stillwater 30 Year USDA 2024-04-18 6.66%
    Stillwater 30 Year USDA Refi 2024-04-18 6.86%
    Stillwater 30 Year VA 2024-04-18 6.56%
    Stillwater 30 Year VA Refi 2024-04-18 6.56%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Simmons Bank 52 6.88% $4,496
    BancFirst 40 6.85% $5,230
    RCB Bank 24 5.79% $3,341
    QUICKEN LOANS, LLC 15 6.50% $8,259
    Arvest Bank 12 6.55% $4,059
    CWM PARTNERS, L.P. 12 6.30% $3,949
    Great Plains National Bank 8 6.09% $5,381
    ASSOCIATED MORTGAGE CORPORATION 7 6.54% $5,719
    First United Bank and Trust Company 7 6.70% $7,599
    Gateway First Bank 7 7.38% $6,082
    Stride Bank 7 6.91% $5,690
    SENTE MORTGAGE, INC. 6 7.48% $10,579
    JPMorgan Chase Bank 6 7.14% $5,382
    FLAT BRANCH MORTGAGE, INC. 5 7.05% $6,295
    CORNERSTONE HOME LENDING, INC. 5 6.60% $7,625
    United Fidelity Funding Corp. 4 7.31% $6,343
    Mr. Cooper ( Nationstar Mortgage ) 4 6.40% $9,382
    CMG MORTGAGE, INC. 4 7.15% $5,124
    American Mortgage & Equity Consultants, Inc. 3 7.21% $6,984
    PENNYMAC LOAN SERVICES, LLC 3 6.12% $6,596
    BOKF 3 6.71% $5,094
    TTCU Federal Credit Union 3 6.33% $3,438
    American Bank of Oklahoma 2 6.69% $6,788
    CHURCHILL MORTGAGE CORPORATION 2 7.00% $5,098
    GUILD MORTGAGE COMPANY 2 6.75% $7,419
    The Huntington National Bank 2 5.94% $9,582
    American Airlines Federal Credit Union 2 6.06% $0
    FREEDOM MORTGAGE CORPORATION 2 7.13% $4,521
    MLD MORTGAGE INC. 2 6.38% $6,165
    Prosperity Bank 2 5.56% $3,403
    Flagstar Bank, FSB 2 7.38% $6,243
    Wells Fargo Bank 2 6.31% $9,387
    OKLAHOMA'S 2 7.50% $2,461
    Truist 2 6.68% $3,900
    UNION HOME MORTGAGE CORP. 1 7.63% $4,634
    UNITED WHOLESALE MORTGAGE, LLC 1 6.00% $6,081
    USAA Federal Savings Bank 1 7.50% $5,370
    US MORTGAGE CORPORATION 1 6.38% $5,920
    VALOR BANK 1 7.63% $3,542
    Waterstone Mortgage Corporation 1 7.13% $5,618
    WEOKIE 1 7.50% $3,952
    21ST MORTGAGE CORPORATION 1 6.95% $7,555
    WILLOW BEND MORTGAGE COMPANY, LLC 1 5.88% $6,634
    AMCAP MORTGAGE, LTD. 1 5.99% $4,321
    BancorpSouth 1 5.03% $7,643
    Bank of the West 1 7.00% $4,339
    BAY EQUITY LLC 1 5.99% $5,420
    BETTER MORTGAGE CORPORATION 1 4.75% $5,213
    Capitol Federal Savings Bank 1 6.25% $6,270
    Century Mortgage Company DBA Century Lending Company 1 7.38% $19,567
    Citibank 1 6.38% $5,621
    Discover Bank 1 6.24% $0
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.88% $7,076
    First Liberty Bank 1 6.38% $6,968
    F & M Bank 1 7.25% $9,030
    GUARANTEED RATE, INC. 1 6.50% $4,335
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $8,907
    International Bank of Commerce 1 6.13% $3,062
    Mabrey Bank 1 6.25% $3,251
    MidFirst Bank 1 6.38% $3,775
    Morgan Stanley Private Bank 1 5.95% $3,898
    Mortgage Research Center, LLC 1 7.25% $2,752
    NBKC BANK 1 6.63% $3,332
    NexBank 1 6.88% $6,520
    Oklahoma Educators Credit Union 1 8.00% $3,712
    OPEN MORTGAGE, LLC 1 6.88% $6,751
    PHH Mortgage Corporation 1 6.88% $6,008
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $6,232
    Renasant Bank 1 7.63% $5,207
    S1L, Inc. 1 7.50% $7,754
    SECURITYNATIONAL MORTGAGE COMPANY 1 7.38% $6,777
    Sunflower Bank 1 6.49% $4,295
    SWBC MORTGAGE CORPORATION 1 6.75% $7,094
    THRIVE MORTGAGE, LLC 1 6.62% $5,189
    Tinker Federal Credit Union 1 6.38% $4,864
    Tulsa Federal Credit Union 1 7.25% $3,030

    Stillwater Average Closing Costs & Other Stats

    Stillwater, OK's 76 lenders originated 986 loans during 2023. The total origination value was $217,580,000, with an average loan value of $220,669.

    Stillwater's average closing costs are $4,978.

    The top Stillwater lender as defined by loan originations is Simmons Bank, with 52 loans originated. Their average total fees are $4,496, which is $733 lower than the next largest lender, BancFirst.

    The lowest fee Stillwater lenders (with over 10 loans originated) are RCB Bank ($3,341), CWM PARTNERS, L.P. ($3,949), Arvest Bank ($4,059), Simmons Bank ($4,496) and BancFirst ($5,230).

    The lowest rate Stillwater lenders (with over 10 loans originated) are RCB Bank (5.79%), CWM PARTNERS, L.P. (6.30%), QUICKEN LOANS, LLC (6.50%), Arvest Bank (6.55%) and BancFirst (6.85%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    BancFirst $31,510,000 $33,575,000 6.6% 15.4%
    First National Bank and Trust Company $21,325,000 n/a 9.8%
    Simmons Bank $18,785,000 $19,000,000 1.1% 8.7%
    Great Plains National Bank $10,325,000 $15,285,000 48.0% 7.0%
    RCB Bank $12,490,000 $12,160,000 -2.6% 5.6%
    QUICKEN LOANS, LLC $11,390,000 $6,505,000 -42.9% 3.0%
    Mortgage Research Center, LLC $5,640,000 $6,040,000 7.1% 2.8%
    Arvest Bank $9,990,000 $5,195,000 -48.0% 2.4%
    SENTE MORTGAGE, INC. $5,845,000 $4,485,000 -23.3% 2.1%
    CORNERSTONE HOME LENDING, INC. $2,595,000 $3,585,000 38.2% 1.6%
    Stride Bank $15,945,000 $3,430,000 -78.5% 1.6%
    CWM PARTNERS, L.P. $5,600,000 $3,275,000 -41.5% 1.5%
    First United Bank and Trust Company $4,700,000 $3,235,000 -31.2% 1.5%
    21ST MORTGAGE CORPORATION $1,490,000 $2,695,000 80.9% 1.2%
    Gateway First Bank $5,205,000 $2,610,000 -49.9% 1.2%
    PENNYMAC LOAN SERVICES, LLC $1,155,000 $2,440,000 111.3% 1.1%
    AMCAP MORTGAGE, LTD. $4,585,000 $2,435,000 -46.9% 1.1%
    Mr. Cooper ( Nationstar Mortgage ) $2,020,000 $2,225,000 10.1% 1.0%
    FLAT BRANCH MORTGAGE, INC. $580,000 $1,960,000 237.9% 0.9%
    ASSOCIATED MORTGAGE CORPORATION $3,475,000 $1,880,000 -45.9% 0.9%
    UNITED WHOLESALE MORTGAGE, LLC $2,345,000 $1,775,000 -24.3% 0.8%
    GUILD MORTGAGE COMPANY $175,000 $1,590,000 808.6% 0.7%
    Community National Bank & Trust $285,000 $1,510,000 429.8% 0.7%
    Wells Fargo Bank $2,245,000 $1,490,000 -33.6% 0.7%
    13946 $1,385,000 n/a 0.6%
    JPMorgan Chase Bank $2,180,000 $1,300,000 -40.4% 0.6%
    InterBank $1,280,000 $1,180,000 -7.8% 0.5%
    USAA Federal Savings Bank $1,645,000 $1,070,000 -35.0% 0.5%
    FINANCIAL CONCEPTS MORTGAGE, LLC $665,000 $1,045,000 57.1% 0.5%
    First Bank & Trust Co. $2,040,000 $1,030,000 -49.5% 0.5%
    Flagstar Bank, FSB $1,380,000 $1,005,000 -27.2% 0.5%
    United Fidelity Funding Corp. $800,000 $1,005,000 25.6% 0.5%
    CMG MORTGAGE, INC. $345,000 $990,000 187.0% 0.5%
    MidFirst Bank $80,000 $990,000 1,137.5% 0.5%
    The Huntington National Bank $980,000 n/a 0.5%
    Truist $905,000 n/a 0.4%
    Chickasaw Community Bank $725,000 $875,000 20.7% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $825,000 $855,000 3.6% 0.4%
    GUARANTEED RATE, INC. $960,000 $845,000 -12.0% 0.4%
    Tinker Federal Credit Union $1,175,000 $840,000 -28.5% 0.4%
    American Mortgage & Equity Consultants, Inc. $825,000 n/a 0.4%
    F & M Bank $605,000 $825,000 36.4% 0.4%
    American Bank of Oklahoma $370,000 $770,000 108.1% 0.4%
    COREVEST AMERICAN FINANCE LENDER LLC $755,000 n/a 0.3%
    OKLAHOMA'S $695,000 n/a 0.3%
    American Heritage Bank $370,000 $665,000 79.7% 0.3%
    Discover Bank $140,000 $640,000 357.1% 0.3%
    American Mortgage Bank, LLC $125,000 $630,000 404.0% 0.3%
    THE MORTGAGE LINK, INC. $625,000 n/a 0.3%
    NAVY FEDERAL CREDIT UNION $1,330,000 $615,000 -53.8% 0.3%
    Century Mortgage Company DBA Century Lending Company $595,000 n/a 0.3%
    TTCU Federal Credit Union $515,000 $565,000 9.7% 0.3%
    BOKF $1,700,000 $555,000 -67.4% 0.3%
    First National Bank Of Oklahoma $330,000 $540,000 63.6% 0.2%
    First Liberty Bank $250,000 $525,000 110.0% 0.2%
    FREEDOM MORTGAGE CORPORATION $565,000 $460,000 -18.6% 0.2%
    OPEN MORTGAGE, LLC $85,000 $455,000 435.3% 0.2%
    Regent Bank $480,000 $450,000 -6.3% 0.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $440,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $440,000 n/a 0.2%
    Bank of America $1,355,000 $420,000 -69.0% 0.2%
    MLD MORTGAGE INC. $410,000 n/a 0.2%
    Prosperity Bank $1,590,000 $410,000 -74.2% 0.2%
    THRIVE MORTGAGE, LLC $405,000 n/a 0.2%
    American Airlines Federal Credit Union $385,000 n/a 0.2%
    BancorpSouth $355,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $1,240,000 $340,000 -72.6% 0.2%
    HOMEXPRESS MORTGAGE CORP. $165,000 $340,000 106.1% 0.2%
    SWBC MORTGAGE CORPORATION $785,000 $340,000 -56.7% 0.2%
    GUARANTY HOME MORTGAGE CORPORATION $335,000 n/a 0.2%
    TOWNE MORTGAGE COMPANY $215,000 $335,000 55.8% 0.2%
    CARDINAL FINANCIAL $430,000 $330,000 -23.3% 0.2%
    Capitol Federal Savings Bank $325,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $325,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $245,000 $320,000 30.6% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $405,000 $320,000 -21.0% 0.1%
    The Farmers & Merchants Bank $295,000 n/a 0.1%
    PREMIA MORTGAGE, LLC $290,000 n/a 0.1%
    Mortgage Investment Services Corporation $485,000 $280,000 -42.3% 0.1%
    GERSHMAN INVESTMENT CORP. $275,000 n/a 0.1%
    NEWREZ LLC $230,000 $275,000 19.6% 0.1%
    PLANET HOME LENDING, LLC $300,000 $275,000 -8.3% 0.1%
    UNION HOME MORTGAGE CORP. $625,000 $270,000 -56.8% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $265,000 n/a 0.1%
    Morgan Stanley Private Bank $265,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $965,000 $265,000 -72.5% 0.1%
    UNITED BUILT HOMES, L.L.C. $345,000 $265,000 -23.2% 0.1%
    BLUE SKY BANK $250,000 n/a 0.1%
    Figure Lending LLC $90,000 $245,000 172.2% 0.1%
    COMMUNICATION $265,000 $240,000 -9.4% 0.1%
    COUNTRYPLACE MORTGAGE, LTD. $135,000 $230,000 70.4% 0.1%
    CSL Financial, LLC $115,000 $225,000 95.7% 0.1%
    LEADERONE FINANCIAL CORPORATION $725,000 $225,000 -69.0% 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $760,000 $225,000 -70.4% 0.1%
    Tulsa Federal Credit Union $320,000 $225,000 -29.7% 0.1%
    Carrington Mortgage Services, LLC $585,000 $220,000 -62.4% 0.1%
    CHURCHILL MORTGAGE CORPORATION $745,000 $220,000 -70.5% 0.1%
    NBKC BANK $135,000 $205,000 51.9% 0.1%
    Sunflower Bank $205,000 n/a 0.1%
    BAY EQUITY LLC $195,000 n/a 0.1%
    SECURITYNATIONAL MORTGAGE COMPANY $280,000 $195,000 -30.4% 0.1%
    Waterstone Mortgage Corporation $235,000 $190,000 -19.1% 0.1%
    Bank 7 $475,000 $185,000 -61.1% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,155,000 $185,000 -84.0% 0.1%
    First National Bank and Trust Company of Ardmore $305,000 $185,000 -39.3% 0.1%
    First National Bank of Pulaski $185,000 n/a 0.1%
    Kleberg Bank, N.A $185,000 n/a 0.1%
    S1L, Inc. $185,000 n/a 0.1%
    The Citizens Bank of Edmond $185,000 n/a 0.1%
    The Federal Savings Bank $155,000 $185,000 19.4% 0.1%
    DOMINION FINANCIAL SERVICES, LLC $175,000 n/a 0.1%
    NexBank $175,000 n/a 0.1%
    VALOR BANK $95,000 $175,000 84.2% 0.1%
    VILLAGE CAPITAL MORTGAGE $425,000 $175,000 -58.8% 0.1%
    WILLOW BEND MORTGAGE COMPANY, LLC $175,000 n/a 0.1%
    Armstrong Bank $830,000 $170,000 -79.5% 0.1%
    U.S. Bank $1,515,000 $165,000 -89.1% 0.1%
    Midwest Bank $155,000 n/a 0.1%
    OAKTREE FUNDING CORP. $155,000 n/a 0.1%
    US MORTGAGE CORPORATION $155,000 n/a 0.1%
    Vision Bank $125,000 $155,000 24.0% 0.1%
    WEOKIE $795,000 $150,000 -81.1% 0.1%
    BELEM SERVICING LLC $145,000 n/a 0.1%
    First Texoma National Bank $145,000 n/a 0.1%
    Frontier State Bank $145,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $185,000 $145,000 -21.6% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $175,000 $145,000 -17.1% 0.1%
    PENTAGON FEDERAL CREDIT UNION $585,000 $145,000 -75.2% 0.1%
    Quail Creek Bank $810,000 $145,000 -82.1% 0.1%
    All America Bank $135,000 $135,000 0.0% 0.1%
    International Bank of Commerce $135,000 n/a 0.1%
    ACB BANK $130,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $355,000 $125,000 -64.8% 0.1%
    CrossFirst Bank $770,000 $125,000 -83.8% 0.1%
    The Central Trust Bank $375,000 $125,000 -66.7% 0.1%
    AMERICAN FINANCING CORPORATION $835,000 $115,000 -86.2% 0.1%
    Barrington Bank & Trust Company, N.A. $265,000 $115,000 -56.6% 0.1%
    Oklahoma Educators Credit Union $160,000 $115,000 -28.1% 0.1%
    FIDELITY BANK $105,000 n/a 0.0%
    Citibank $95,000 n/a 0.0%
    PROVIDENT FUNDING ASSOCIATES, L.P. $95,000 n/a 0.0%
    RBC Bank, (Georgia) $335,000 $95,000 -71.6% 0.0%
    Lakeview Community Capital, LLC $85,000 n/a 0.0%
    NBC Oklahoma $85,000 n/a 0.0%
    Renasant Bank $400,000 $85,000 -78.8% 0.0%
    ROYAL UNITED MORTGAGE LLC $75,000 $85,000 13.3% 0.0%
    PHH Mortgage Corporation $700,000 $75,000 -89.3% 0.0%
    BMO Harris Bank $125,000 $65,000 -48.0% 0.0%
    COMMUNITY BANK $65,000 n/a 0.0%
    SpiritBank $65,000 n/a 0.0%
    Equity Bank $85,000 $55,000 -35.3% 0.0%
    Mabrey Bank $1,860,000 $55,000 -97.0% 0.0%
    M&T Bank $65,000 $55,000 -15.4% 0.0%
    Western Sun FCU $55,000 n/a 0.0%
    ALLEGIANCE $45,000 n/a 0.0%
    Bank of the West $165,000 $45,000 -72.7% 0.0%
    Coastal Community Bank $40,000 n/a 0.0%
    The First National Bank and Trust Company of Okmulgee $35,000 n/a 0.0%
    TRUE SKY $25,000 n/a 0.0%
    PNC Bank $2,460,000 $15,000 -99.4% 0.0%

    Stillwater's top lender by overall market share is BancFirst, with 15.4% market share. In second place, with 9.8%, is First National Bank and Trust Company, having originated $21,325,000 in loans. In third place, with 8.7%, is Simmons Bank, having originated $19,000,000 in loans. In fourth place, with 7.0%, is Great Plains National Bank, having originated $15,285,000 in loans. In fifth place, with 5.6%, is RCB Bank, having originated $12,160,000 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 (16.8%) 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 $209,900 (15.2%) $276,811 (11.3%) 0.00 212
    2020-09-01 $203,100 (12.6%) $270,856 (10.4%) 0.00 207
    2020-10-01 $189,900 (6.0%) $260,752 (7.2%) 0.00 195
    2020-11-01 $187,875 (7.4%) $257,394 (5.5%) 0.00 168
    2020-12-01 $190,225 (9.3%) $271,415 (10.8%) 0.00 158
    2021-01-01 $199,900 (16.0%) $269,871 (12.2%) 0.00 132
    2021-02-01 $215,000 (22.9%) $262,021 (5.3%) 0.00 128
    2021-03-01 $196,750 (0.7%) $259,941 (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 (-11.7%) 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 (-5.7%) $279,678 (8.7%) 0.00 160
    2021-12-01 $174,950 (-8.0%) $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 (-17.0%) $337,212 (28.7%) 0.00 79
    2022-03-01 $246,850 (25.5%) $394,394 (51.7%) 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
    Stillwater's median listing price for 2024-03-01 was $240,000, a difference of $-7,486 (-3.0%) versus the prior year and $3,496 versus the prior month.

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

    Stillwater's average listing price for 2024-03-01 was $369,940, a difference of $16,176 (4.6%) versus the prior year and $12,442 versus the prior month.

    For the 2024-03-01 period, Stillwater had 217 MLS listings, a difference of 8 listings (4%) versus the prior month and 90 listings (71%) 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 1,841 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 1,845 sqft
    2019-04-01 0 days 1,878 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 1,797 sqft
    2019-09-01 0 days 1,787 sqft
    2019-10-01 0 days 1,780 sqft
    2019-11-01 0 days 1,780 sqft
    2019-12-01 0 days 1,811 sqft
    2020-01-01 0 days 1,791 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 1,881 sqft
    2020-09-01 0 days 1,802 sqft
    2020-10-01 0 days 1,760 sqft
    2020-11-01 0 days 1,722 sqft
    2020-12-01 0 days 1,760 sqft
    2021-01-01 0 days 1,806 sqft
    2021-02-01 0 days 1,847 sqft
    2021-03-01 0 days 1,767 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
    Stillwater's median listing age (time on market) for 2024-03-01 was 0 days.

    Stillwater's median square footage for active listings during the 2024-03-01 period was 1,676 sqft. One year prior, the average listing was 1,818 sqft.

    Stillwater, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 699 $163,075,000 $233,298
    Refi 89 $37,615,000 $422,640
    Home Improvement 80 $4,910,000 $61,375
    Other 71 $4,335,000 $61,056
    Cash Out Refi 47 $7,645,000 $162,660

    Stillwater's most frequently cited loan purpose was Home Purchase, with 699 originations. The 2nd most popular reason was Refi, with 89 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 351 $101,985,000 $290,556
    7-8% 198 $41,620,000 $210,202
    Over 8% 171 $19,125,000 $111,842
    5-6% 126 $35,590,000 $282,460
    4-5% 15 $2,465,000 $164,333
    <2.5% 3 $175,000 $58,333
    3-4% 1 $145,000 $145,000

    During 2023, Stillwater's most frequently originated rate bucket was 6-7%, with 351 originations.

    Loan Sizing (Stillwater, OK MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 337 $93,205,000 $276,573
    $100k-200k 310 $46,130,000 $148,806
    $100,000 or less 266 $14,490,000 $54,474
    $400k-600k 51 $24,325,000 $476,961
    $600k-1000k 19 $14,325,000 $753,947
    $Over $1MM 3 $25,105,000 $8,368,333

    Stillwater's loan sizing saw the bucket of loans from $200k-400k with 337 originations, totaling $93,205,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 399 $96,375,000 $241,541
    60-80% 220 $75,330,000 $342,409
    Under 20% 96 $5,480,000 $57,083
    40-60% 66 $12,470,000 $188,939
    20-40% 65 $6,415,000 $98,692
    Over 100% 18 $4,810,000 $267,222

    Stillwater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 399 originations, totaling $96,375,000 in origination value.