Stillwater Mortgage Rates & Closing Costs
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% |
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 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 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 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.
