Stillwater Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Stillwater averaged 6.82% for the week of 2022-11-23, compared to the national average of 6.58% for the same period.

The average rate for the prior week (2022-11-17) was 6.75% and one month ago for the week of 2022-10-20, the average rate was 7.08%.

Stillwater's average rate one year ago was 3.25%.

For refis of the same type during the week of 2022-11-23, the average rate was 6.47%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-11-23 6.58%
Stillwater 30 Year Fixed Rate 2022-11-23 6.82%
Stillwater 30 Year Fixed Rate Refi 2022-11-23 6.47%
Stillwater 15 Year Fixed Rate 2022-11-23 6.56%
Stillwater 15 Year Fixed Rate Refi 2022-11-23 6.34%
Stillwater 30 Year FHA 2022-11-23 -0.13%
Stillwater 30 Year FHA Refi 2022-11-23 0.16%
Stillwater 30 Year USDA 2022-11-23 -0.1%
Stillwater 30 Year USDA Refi 2022-11-23 -0.41%
Stillwater 30 Year VA 2022-11-23 0.17%
Stillwater 30 Year VA Refi 2022-11-23 0.08%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
Simmons Bank 133 3.09% $3,451
Stride Bank 82 3.20% $3,753
BancFirst 73 3.01% $3,861
QUICKEN LOANS, LLC 61 3.11% $5,629
RCB Bank 27 3.22% $3,607
Great Plains National Bank 20 3.01% $4,055
Arvest Bank 15 3.23% $3,735
AMCAP MORTGAGE, LTD. 14 3.20% $4,208
CWM PARTNERS, L.P. 14 2.99% $3,427
First United Bank and Trust Company 11 3.24% $3,457
Wells Fargo Bank 11 3.24% $4,122
CROSSCOUNTRY MORTGAGE, LLC 10 3.45% $4,845
Gateway First Bank 10 3.31% $3,501
CORNERSTONE HOME LENDING, INC. 9 3.28% $5,419
BETTER MORTGAGE CORPORATION 8 2.98% $3,100
INTERLINC MORTGAGE SERVICES, LLC 8 3.08% $5,690
JPMorgan Chase Bank 7 3.12% $4,602
Mr. Cooper ( Nationstar Mortgage ) 7 3.39% $6,215
Bank of America 6 2.77% $4,298
LOANDEPOT.COM, LLC 6 2.93% $4,337
TTCU Federal Credit Union 5 2.95% $3,585
Flagstar Bank, FSB 5 3.17% $6,004
U.S. Bank 5 3.25% $3,857
MORTGAGE CLEARING CORPORATION 5 2.88% $3,590
ASSOCIATED MORTGAGE CORPORATION 5 2.90% $3,922
AMERISAVE MORTGAGE CORPORATION 5 2.77% $6,926
CALIBER HOME LOANS, INC. 4 2.99% $3,840
PENNYMAC LOAN SERVICES, LLC 4 2.97% $3,776
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 3.12% $3,384
BOKF 4 3.16% $4,386
US MORTGAGE CORPORATION 4 3.28% $3,265
FLAT BRANCH MORTGAGE, INC. 3 3.63% $3,843
CHURCHILL MORTGAGE CORPORATION 3 3.71% $5,207
DAS Acquisition Company, LLC 2 4.00% $3,660
GUILD MORTGAGE COMPANY 2 3.43% $5,318
UNION HOME MORTGAGE CORP. 2 3.31% $4,235
Citibank 2 2.88% $5,563
UNITED WHOLESALE MORTGAGE, LLC 2 2.84% $5,999
MORTGAGE SOLUTIONS OF COLORADO, LLC 2 3.00% $5,061
NAVY FEDERAL CREDIT UNION 2 3.44% $3,944
Vision Bank 2 3.81% $3,710
BROKER SOLUTIONS, INC. 2 2.81% $8,590
Waterstone Mortgage Corporation 2 4.00% $3,544
OKLAHOMA'S 2 3.75% $3,344
Chickasaw Community Bank 2 3.25% $3,403
TRUE SKY 2 3.31% $2,503
MidFirst Bank 2 3.00% $2,866
Truist 2 3.05% $3,893
LAKEVIEW LOAN SERVICING, LLC 2 3.31% $3,488
ROYAL UNITED MORTGAGE LLC 1 3.63% $7,450
SECURITYNATIONAL MORTGAGE COMPANY 1 3.49% $8,261
SOUTHWEST FUNDING, LP 1 3.25% $6,740
SpiritBank 1 2.63% $3,314
SUN WEST MORTGAGE COMPANY, INC. 1 3.25% $3,733
SWBC MORTGAGE CORPORATION 1 2.88% $3,581
TEXAS TECH 1 3.13% $4,627
The Central Trust Bank 1 3.13% $3,973
The Huntington National Bank 1 3.25% $4,159
TIAA, FSB 1 3.25% $3,484
Tinker Federal Credit Union 1 3.63% $3,065
TOWN AND COUNTRY Credit Union 1 2.88% $8,541
Truity Federal Credit Union 1 2.63% $4,463
Tulsa Federal Credit Union 1 3.88% $2,941
UBS Bank USA 1 2.50% $4,957
UNION SQUARE 1 3.38% $3,051
United Fidelity Funding Corp. 1 3.38% $2,133
USAA Federal Savings Bank 1 3.13% $3,636
Watermark Capital, Inc. 1 2.75% $3,769
WILLOW BEND MORTGAGE COMPANY, LLC 1 2.63% $3,626
Wyndham Capital Mortgage, Inc. 1 2.75% $2,366
Affiliated Bank 1 3.00% $4,476
ZILLOW HOME LOANS, LLC 1 3.38% $4,379
American Bank of Oklahoma 1 2.88% $3,090
AMERICAN FINANCIAL NETWORK, INC. 1 2.88% $8,113
AMERICAN FINANCING CORPORATION 1 2.88% $5,616
American Mortgage Bank, LLC 1 3.13% $6,276
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.13% $4,165
AmeriHome Mortgage Company, LLC 1 3.25% $3,314
ASPIRE FINANCIAL, INC. 1 2.88% $4,915
Bank of England 1 3.00% $4,161
BNC National Bank 1 2.75% $3,906
CALCON MUTUAL MORTGAGE LLC 1 2.75% $4,493
CMG MORTGAGE, INC. 1 3.25% $3,171
COMMUNICATION 1 3.13% $3,137
Community National Bank & Trust 1 2.88% $4,910
EVERETT FINANCIAL, INC. 1 3.38% $2,037
FBC MORTGAGE, LLC 1 3.63% $6,514
FIRST AMERICAN MORTGAGE, INC. 1 2.88% $3,785
First Bank & Trust 1 2.75% $5,766
First Horizon Bank 1 2.75% $3,372
First Internet Bank of Indiana 1 3.13% $4,776
First State Bank of St. Charles, Missouri 1 2.75% $3,570
F & M Bank 1 2.75% $3,199
GENEVA FINANCIAL, LLC 1 4.50% $4,099
GSF Mortgage Corporation 1 2.50% $3,463
GUARANTEED RATE, INC. 1 3.50% $3,890
GUARANTY HOME MORTGAGE CORPORATION 1 3.25% $4,449
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 2.75% $3,937
Hometown Lenders, Inc. 1 3.63% $4,017
InterBank 1 3.00% $3,849
International Bank of Commerce 1 3.13% $3,325
KELLER MORTGAGE, LLC 1 2.75% $1,567
LEADERONE FINANCIAL CORPORATION 1 3.25% $6,421
LOANPAL, LLC 1 3.25% $2,449
Morgan Stanley Private Bank 1 2.88% $3,241
MORTGAGE ACCESS CORP. 1 2.63% $6,366
Mortgage Investment Services Corporation 1 3.38% $4,124
MOVEMENT MORTGAGE, LLC 1 3.50% $4,967
MUTUAL OF OMAHA MORTGAGE, INC. 1 2.88% $4,971
Nations Lending Corporation 1 3.25% $15,169
NATIONS RELIABLE LENDING, LLC 1 2.88% $5,375
NBKC BANK 1 2.75% $4,077
NEWREZ LLC 1 2.75% $4,220
Notre Dame Federal Credit Union Corporation 1 2.13% $3,037
Paramount Bank 1 2.88% $4,787
Paramount Residential Mortgage Group, Inc. 1 3.38% $3,909
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.00% $5,919
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.63% $4,187
RBC Bank, (Georgia) 1 3.00% $1,620
Regent Financial Group, Inc. 1 2.75% $2,781

Stillwater Average Closing Costs & Other Stats

Stillwater, OK's 120 lenders originated 1,703 loans during 2021. The total origination value was $359,545,000, with an average loan value of $211,124.

Stillwater's average closing costs are $4,476.

The top Stillwater lender as defined by loan originations is Simmons Bank, with 133 loans originated. Their average total fees are $3,451, which is $302 lower than the next largest lender, Stride Bank.

The lowest fee Stillwater lenders (with over 10 loans originated) are CWM PARTNERS, L.P. ($3,427), Simmons Bank ($3,451), First United Bank and Trust Company ($3,457), Gateway First Bank ($3,501) and RCB Bank ($3,607).

The lowest rate Stillwater lenders (with over 10 loans originated) are CWM PARTNERS, L.P. (2.99%), Great Plains National Bank (3.01%), BancFirst (3.01%), Simmons Bank (3.09%) and QUICKEN LOANS, LLC (3.11%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
BancFirst $66,835,000 $45,380,000 -32.1% 12.6%
Simmons Bank $50,505,000 $42,620,000 -15.6% 11.9%
QUICKEN LOANS, LLC $19,595,000 $27,795,000 41.8% 7.7%
Stride Bank $185,000 $27,700,000 14,873.0% 7.7%
BERKELEY POINT CAPITAL LLC $17,775,000 $14,785,000 -16.8% 4.1%
Country Club Bank $11,310,000 n/a 3.1%
RCB Bank $14,050,000 $11,210,000 -20.2% 3.1%
Arvest Bank $7,550,000 $8,530,000 13.0% 2.4%
Great Plains National Bank $30,825,000 $6,650,000 -78.4% 1.8%
Mortgage Research Center, LLC $3,985,000 $6,585,000 65.2% 1.8%
First United Bank and Trust Company $3,315,000 $6,140,000 85.2% 1.7%
CWM PARTNERS, L.P. $3,915,000 $6,100,000 55.8% 1.7%
FREEDOM MORTGAGE CORPORATION $6,380,000 $5,940,000 -6.9% 1.7%
SouthPoint Bank $5,835,000 n/a 1.6%
INTERLINC MORTGAGE SERVICES, LLC $10,645,000 $5,825,000 -45.3% 1.6%
AMCAP MORTGAGE, LTD. $3,340,000 $5,765,000 72.6% 1.6%
CROSSCOUNTRY MORTGAGE, LLC $630,000 $5,205,000 726.2% 1.4%
Wells Fargo Bank $2,950,000 $4,640,000 57.3% 1.3%
CALIBER HOME LOANS, INC. $1,275,000 $3,610,000 183.1% 1.0%
Gateway First Bank $4,640,000 $3,120,000 -32.8% 0.9%
CORNERSTONE HOME LENDING, INC. $600,000 $3,060,000 410.0% 0.9%
USAA Federal Savings Bank $1,745,000 $2,910,000 66.8% 0.8%
BETTER MORTGAGE CORPORATION $1,750,000 $2,890,000 65.1% 0.8%
PENNYMAC LOAN SERVICES, LLC $275,000 $2,875,000 945.5% 0.8%
LOANDEPOT.COM, LLC $2,330,000 $2,715,000 16.5% 0.8%
Bank of America $955,000 $2,485,000 160.2% 0.7%
AMERISAVE MORTGAGE CORPORATION $1,665,000 $2,435,000 46.2% 0.7%
JPMorgan Chase Bank $2,285,000 $2,360,000 3.3% 0.7%
ASSOCIATED MORTGAGE CORPORATION $1,995,000 $2,350,000 17.8% 0.7%
U.S. Bank $1,110,000 $2,345,000 111.3% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $3,230,000 $2,020,000 -37.5% 0.6%
TTCU Federal Credit Union $1,100,000 $1,995,000 81.4% 0.6%
NAVY FEDERAL CREDIT UNION $440,000 $1,960,000 345.5% 0.5%
MORTGAGE CLEARING CORPORATION $3,125,000 $1,780,000 -43.0% 0.5%
21ST MORTGAGE CORPORATION $1,680,000 $1,635,000 -2.7% 0.5%
BOKF $3,220,000 $1,605,000 -50.2% 0.4%
First Bank & Trust Co. $1,585,000 n/a 0.4%
Citibank $105,000 $1,430,000 1,261.9% 0.4%
Tinker Federal Credit Union $1,585,000 $1,380,000 -12.9% 0.4%
UNITED WHOLESALE MORTGAGE, LLC $230,000 $1,355,000 489.1% 0.4%
MID AMERICA MORTGAGE, INC. $690,000 $1,335,000 93.5% 0.4%
American Heritage Bank $835,000 $1,305,000 56.3% 0.4%
Flagstar Bank, FSB $1,315,000 $1,240,000 -5.7% 0.3%
GUILD MORTGAGE COMPANY $250,000 $1,205,000 382.0% 0.3%
GUARANTEED RATE, INC. $1,180,000 n/a 0.3%
LAKEVIEW LOAN SERVICING, LLC $1,135,000 n/a 0.3%
CHURCHILL MORTGAGE CORPORATION $1,125,000 n/a 0.3%
United Fidelity Funding Corp. $965,000 $1,125,000 16.6% 0.3%
NEWREZ LLC $785,000 $1,110,000 41.4% 0.3%
OKLAHOMA'S $1,110,000 $1,065,000 -4.1% 0.3%
US MORTGAGE CORPORATION $220,000 $1,035,000 370.5% 0.3%
BROKER SOLUTIONS, INC. $240,000 $1,005,000 318.8% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,085,000 $980,000 -9.7% 0.3%
Chickasaw Community Bank $4,235,000 $905,000 -78.6% 0.3%
NEW DAY FINANCIAL, LLC $225,000 $900,000 300.0% 0.3%
GSF Mortgage Corporation $215,000 $895,000 316.3% 0.2%
UNION HOME MORTGAGE CORP. $1,685,000 $895,000 -46.9% 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,870,000 $885,000 -52.7% 0.2%
FLAT BRANCH MORTGAGE, INC. $740,000 $880,000 18.9% 0.2%
First National Bank Of Oklahoma $125,000 $810,000 548.0% 0.2%
Prosperity Bank $985,000 $760,000 -22.8% 0.2%
MidFirst Bank $1,540,000 $755,000 -51.0% 0.2%
Truist Bank $865,000 $745,000 -13.9% 0.2%
TOWN AND COUNTRY Credit Union $740,000 n/a 0.2%
Mortgage Investment Services Corporation $730,000 $715,000 -2.1% 0.2%
American Mortgage Bank, LLC $300,000 $695,000 131.7% 0.2%
The Federal Savings Bank $525,000 $680,000 29.5% 0.2%
F & M Bank $370,000 $605,000 63.5% 0.2%
VALOR BANK $145,000 $585,000 303.4% 0.2%
FIRST AMERICAN MORTGAGE, INC. $630,000 $580,000 -7.9% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $570,000 n/a 0.2%
LEADERONE FINANCIAL CORPORATION $555,000 n/a 0.2%
UBS Bank USA $545,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $205,000 $535,000 161.0% 0.1%
First Liberty Bank $175,000 $535,000 205.7% 0.1%
Low VA Rates, LLC $490,000 $525,000 7.1% 0.1%
KS StateBank $385,000 $515,000 33.8% 0.1%
TRUE SKY $185,000 $515,000 178.4% 0.1%
Truity Federal Credit Union $470,000 $515,000 9.6% 0.1%
Paramount Bank $505,000 n/a 0.1%
TruHome Solutions, LLC $500,000 n/a 0.1%
PLANET HOME LENDING, LLC $1,365,000 $495,000 -63.7% 0.1%
InterBank $125,000 $480,000 284.0% 0.1%
ASPIRE FINANCIAL, INC. $455,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $805,000 $455,000 -43.5% 0.1%
Regent Bank $65,000 $445,000 584.6% 0.1%
FBC MORTGAGE, LLC $370,000 $430,000 16.2% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $175,000 $430,000 145.7% 0.1%
Wyndham Capital Mortgage, Inc. $425,000 $425,000 0.0% 0.1%
AmeriHome Mortgage Company, LLC $420,000 n/a 0.1%
The Huntington National Bank $420,000 n/a 0.1%
Florida Capital Bank $415,000 $415,000 0.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $410,000 n/a 0.1%
AVB Bank $105,000 $395,000 276.2% 0.1%
JAMES B. NUTTER & COMPANY $395,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $590,000 $395,000 -33.1% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $390,000 n/a 0.1%
TIAA, FSB $420,000 $385,000 -8.3% 0.1%
Bank of England $380,000 n/a 0.1%
COMMUNICATION $465,000 $370,000 -20.4% 0.1%
Community National Bank & Trust $265,000 $355,000 34.0% 0.1%
Affiliated Bank $345,000 n/a 0.1%
Nations Lending Corporation $290,000 $345,000 19.0% 0.1%
PNC Bank $440,000 $340,000 -22.7% 0.1%
BNC National Bank $275,000 $335,000 21.8% 0.1%
IMPAC MORTGAGE CORP. $335,000 n/a 0.1%
LENDSURE MORTGAGE CORP. $335,000 n/a 0.1%
Bank of the West $220,000 $330,000 50.0% 0.1%
SENTE MORTGAGE, INC. $325,000 n/a 0.1%
MORTGAGEONE, INC. $315,000 n/a 0.1%
Servion, Inc. $1,200,000 $310,000 -74.2% 0.1%
Mabrey Bank $535,000 $305,000 -43.0% 0.1%
NBKC BANK $305,000 n/a 0.1%
PREMIA MORTGAGE, LLC $305,000 n/a 0.1%
Ally Bank $300,000 $300,000 0.0% 0.1%
InterContinental Capital Group, Inc $295,000 n/a 0.1%
Watermark Capital, Inc. $295,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $290,000 n/a 0.1%
First State Bank of St. Charles, Missouri $285,000 n/a 0.1%
The Central Trust Bank $280,000 n/a 0.1%
CALCON MUTUAL MORTGAGE LLC $275,000 $275,000 0.0% 0.1%
NATIONS RELIABLE LENDING, LLC $275,000 n/a 0.1%
Quontic Bank $275,000 n/a 0.1%
Firstar Bank $310,000 $260,000 -16.1% 0.1%
ACCELERATE MORTGAGE, LLC $255,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $445,000 $255,000 -42.7% 0.1%
Morgan Stanley Private Bank $255,000 n/a 0.1%
Discover Bank $325,000 $250,000 -23.1% 0.1%
KELLER MORTGAGE, LLC $1,225,000 $245,000 -80.0% 0.1%
ROYAL UNITED MORTGAGE LLC $180,000 $240,000 33.3% 0.1%
Waterstone Mortgage Corporation $85,000 $240,000 182.4% 0.1%
Guaranty Bank $235,000 n/a 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $235,000 $235,000 0.0% 0.1%
Merchants Bank of Indiana $235,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $145,000 $235,000 62.1% 0.1%
Peoples Bank $235,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $235,000 n/a 0.1%
SpiritBank $230,000 n/a 0.1%
Renasant Bank $225,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $225,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $205,000 $225,000 9.8% 0.1%
WILLOW BEND MORTGAGE COMPANY, LLC $135,000 $225,000 66.7% 0.1%
CMG MORTGAGE, INC. $530,000 $220,000 -58.5% 0.1%
Hometown Lenders, Inc. $220,000 n/a 0.1%
Vision Bank $95,000 $220,000 131.6% 0.1%
First Bank & Trust $215,000 n/a 0.1%
First Horizon Bank $215,000 n/a 0.1%
Carrington Mortgage Services, LLC $655,000 $210,000 -67.9% 0.1%
Prosperity Home Mortgage, LLC $205,000 n/a 0.1%
SOUTHWEST FUNDING, LP $550,000 $205,000 -62.7% 0.1%
The Security National Bank of Enid $680,000 $205,000 -69.9% 0.1%
Tulsa Federal Credit Union $350,000 $205,000 -41.4% 0.1%
DAS Acquisition Company, LLC $200,000 n/a 0.1%
RED RIVER FEDERAL CREDIT UNION $195,000 n/a 0.1%
Regions Bank $195,000 n/a 0.1%
Sooner State Bank $195,000 n/a 0.1%
The First State Bank $1,275,000 $195,000 -84.7% 0.1%
First State Bank $125,000 $185,000 48.0% 0.1%
MORTGAGE ACCESS CORP. $265,000 $185,000 -30.2% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $405,000 $185,000 -54.3% 0.1%
SWBC MORTGAGE CORPORATION $185,000 n/a 0.1%
The First National Bank and Trust Co. $155,000 $175,000 12.9% 0.0%
SKYWARD $165,000 n/a 0.0%
Armstrong Bank $25,000 $160,000 540.0% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $155,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $155,000 n/a 0.0%
LOANPAL, LLC $155,000 n/a 0.0%
Adams Bank & Trust $145,000 n/a 0.0%
AMERICAN FINANCIAL NETWORK, INC. $830,000 $145,000 -82.5% 0.0%
Bank-Fund Staff Federal Credit Union $145,000 n/a 0.0%
First Internet Bank of Indiana $115,000 $145,000 26.1% 0.0%
International Bank of Commerce $900,000 $145,000 -83.9% 0.0%
TEXAS TECH $155,000 $145,000 -6.5% 0.0%
CERTAINTY HOME LOANS, LLC $260,000 $135,000 -48.1% 0.0%
HOME POINT FINANCIAL CORPORATION $280,000 $135,000 -51.8% 0.0%
Notre Dame Federal Credit Union Corporation $135,000 n/a 0.0%
American Airlines Federal Credit Union $240,000 $125,000 -47.9% 0.0%
First Guaranty Mortgage Corporation $330,000 $125,000 -62.1% 0.0%
Legacy Bank $125,000 $125,000 0.0% 0.0%
EVERETT FINANCIAL, INC. $870,000 $115,000 -86.8% 0.0%
GOLDEN PLAINS $115,000 n/a 0.0%
Happy State Bank $115,000 n/a 0.0%
OPEN MORTGAGE, LLC $115,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $105,000 n/a 0.0%
Oklahoma Educators Credit Union $105,000 n/a 0.0%
RBC Bank, (Georgia) $105,000 n/a 0.0%
UNION SQUARE $105,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $395,000 $90,000 -77.2% 0.0%
American Bank of Oklahoma $745,000 $85,000 -88.6% 0.0%
FINANCE OF AMERICA REVERSE LLC $85,000 n/a 0.0%
CRESCENT MORTGAGE COMPANY $155,000 $75,000 -51.6% 0.0%
GENEVA FINANCIAL, LLC $155,000 $75,000 -51.6% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $75,000 n/a 0.0%
US Employees O.C. Federal Credit Union $75,000 n/a 0.0%
Vast Bank $75,000 n/a 0.0%
Goldwater Bank, N.A. $165,000 $65,000 -60.6% 0.0%
Regent Financial Group, Inc. $65,000 n/a 0.0%
Fidelity Bank $55,000 n/a 0.0%
YNB $145,000 $55,000 -62.1% 0.0%
AMERICAN ADVISORS GROUP $275,000 $45,000 -83.6% 0.0%

Stillwater's top lender by overall market share is BancFirst, with 12.6% market share. In second place, with 11.9%, is Simmons Bank, having originated $42,620,000 in loans. In third place, with 7.7%, is QUICKEN LOANS, LLC, having originated $27,795,000 in loans. In fourth place, with 7.7%, is Stride Bank, having originated $27,700,000 in loans. In fifth place, with 4.1%, is BERKELEY POINT CAPITAL LLC, having originated $14,785,000 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 $194,186 (7.9%) $246,963 (4.9%) 0.00 321
2019-04-01 $196,586 (2.3%) $256,595 (2.7%) 0.00 332
2019-05-01 $191,000 (-1.6%) $261,167 (3.4%) 0.00 334
2019-06-01 $189,900 (0.1%) $255,223 (3.8%) 0.00 335
2019-07-01 $179,925 (-7.7%) $246,149 (-0.7%) 0.00 316
2019-08-01 $182,273 (-3.9%) $250,694 (1.7%) 0.00 319
2019-09-01 $180,432 (-5.0%) $247,306 (2.9%) 0.00 330
2019-10-01 $179,205 (-1.5%) $245,018 (4.1%) 0.00 339
2019-11-01 $175,000 (-2.8%) $245,882 (4.0%) 0.00 322
2019-12-01 $173,975 (-3.3%) $247,073 (6.7%) 0.00 289
2020-01-01 $172,375 (-8.2%) $243,401 (3.7%) 0.00 267
2020-02-01 $174,950 (-7.9%) $251,038 (4.3%) 0.00 275
2020-03-01 $195,450 (0.7%) $255,275 (3.4%) 0.00 295
2020-04-01 $199,850 (1.7%) $261,993 (2.1%) 0.00 278
2020-05-01 $210,000 (10.0%) $271,992 (4.2%) 0.00 268
2020-06-01 $202,450 (6.6%) $269,585 (5.6%) 0.00 265
2020-07-01 $205,500 (14.2%) $273,649 (11.2%) 0.00 232
2020-08-01 $209,900 (15.2%) $278,129 (10.9%) 0.00 214
2020-09-01 $203,100 (12.6%) $271,076 (9.6%) 0.00 209
2020-10-01 $189,900 (6.0%) $261,089 (6.6%) 0.00 197
2020-11-01 $187,875 (7.4%) $257,818 (4.9%) 0.00 170
2020-12-01 $190,225 (9.3%) $271,705 (10.0%) 0.00 160
2021-01-01 $199,900 (16.0%) $270,225 (11.0%) 0.00 134
2021-02-01 $215,000 (22.9%) $262,521 (4.6%) 0.00 130
2021-03-01 $196,750 (0.7%) $260,546 (2.1%) 0.00 106
2021-04-01 $193,166 (-3.3%) $274,923 (4.9%) 0.00 97
2021-05-01 $195,245 (-7.0%) $255,546 (-6.1%) 0.00 105
2021-06-01 $202,500 (0.0%) $289,152 (7.3%) 0.00 103
2021-07-01 $215,000 (4.6%) $282,955 (3.4%) 0.00 141
2021-08-01 $167,500 (-20.2%) $245,448 (-11.8%) 0.00 183
2021-09-01 $191,018 (-6.0%) $259,787 (-4.2%) 0.00 171
2021-10-01 $185,000 (-2.6%) $285,334 (9.3%) 0.00 171
2021-11-01 $177,225 (-5.7%) $279,846 (8.5%) 0.00 162
2021-12-01 $174,950 (-8.0%) $276,857 (1.9%) 0.00 145
2022-01-01 $173,700 (-13.1%) $279,637 (3.5%) 0.00 116
2022-02-01 $178,450 (-17.0%) $336,121 (28.0%) 0.00 81
2022-03-01 $246,850 (25.5%) $391,892 (50.4%) 0.00 83
2022-04-01 $251,633 (30.3%) $389,833 (41.8%) 0.00 91
2022-05-01 $236,200 (21.0%) $343,482 (34.4%) 0.00 100
2022-06-01 $233,750 (15.4%) $340,723 (17.8%) 0.00 108
2022-07-01 $260,500 (21.2%) $377,302 (33.3%) 0.00 142
2022-08-01 $285,669 (70.6%) $402,957 (64.2%) 0.00 139
2022-09-01 $252,343 (32.1%) $383,902 (47.8%) 0.00 143
2022-10-01 $245,000 (32.4%) $343,112 (20.3%) 0.00 158
Stillwater's median listing price for 2022-10-01 was $245,000, a difference of $60,000 (32.4%) versus the prior year and $-7,343 versus the prior month.

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

Stillwater's average listing price for 2022-10-01 was $343,112, a difference of $57,778 (20.3%) versus the prior year and $-40,790 versus the prior month.

For the 2022-10-01 period, Stillwater had 158 MLS listings, a difference of 15 listings (10%) versus the prior month and -13 listings (-8%) 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 1,807 sqft
2019-03-01 0 days 1,841 sqft
2019-04-01 0 days 1,875 sqft
2019-05-01 0 days 1,893 sqft
2019-06-01 0 days 1,864 sqft
2019-07-01 0 days 1,797 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 1,864 sqft
2020-07-01 0 days 1,869 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 1,395 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 2,038 sqft
2022-09-01 0 days 1,917 sqft
2022-10-01 0 days 1,900 sqft
Stillwater's median listing age (time on market) for 2022-10-01 was 0 days.

Stillwater's median square footage for active listings during the 2022-10-01 period was 1,900 sqft. One year prior, the average listing was 1,477 sqft.

Stillwater, OK Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 936 $200,240,000 $213,932
Refi 468 $94,310,000 $201,517
Cash Out Refi 219 $55,915,000 $255,320
Home Improvement 41 $4,495,000 $109,634
Other 39 $4,585,000 $117,564

Stillwater's most frequently cited loan purpose was Home Purchase, with 936 originations. The 2nd most popular reason was Refi, with 468 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 596 $128,370,000 $215,386
3-4% 565 $112,385,000 $198,912
<2.5% 282 $59,260,000 $210,142
4-5% 162 $22,470,000 $138,704
5-6% 39 $2,695,000 $69,103
6-7% 10 $790,000 $79,000
7-8% 6 $420,000 $70,000
Over 8% 6 $570,000 $95,000

During 2021, Stillwater's most frequently originated rate bucket was 2.5-3%, with 596 originations.

Loan Sizing (Stillwater, OK MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 782 $117,620,000 $150,409
$200k-400k 550 $146,020,000 $265,491
$100,000 or less 284 $18,790,000 $66,162
$400k-600k 69 $31,995,000 $463,696
$Over $1MM 11 $40,145,000 $3,649,545
$600k-1000k 7 $4,975,000 $710,714

Stillwater's loan sizing saw the bucket of loans from $100k-200k with 782 originations, totaling $117,620,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 718 $152,390,000 $212,242
60-80% 608 $134,130,000 $220,609
40-60% 163 $30,595,000 $187,699
20-40% 67 $6,935,000 $103,507
Under 20% 40 $1,640,000 $41,000
Over 100% 24 $6,750,000 $281,250

Stillwater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 718 originations, totaling $152,390,000 in origination value.