Tahlequah Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Tahlequah averaged
7.01%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.94% and
one month ago for the week of 2025-05-15, the
average rate was 7.01%.
Tahlequah's average rate one year ago was 7.25%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Tahlequah 30 Year Fixed Rate | 2025-06-18 | 7.01% |
| Tahlequah 30 Year Fixed Rate Refi | 2025-06-18 | 6.91% |
| Tahlequah 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Tahlequah 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Tahlequah 30 Year FHA | 2025-06-18 | 0.24% |
| Tahlequah 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Tahlequah 30 Year USDA | 2025-06-18 | -0.2% |
| Tahlequah 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Tahlequah 30 Year VA | 2025-06-18 | 0% |
| Tahlequah 30 Year VA Refi | 2025-06-18 | 0% |
Tahlequah 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 Tahlequah, 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.).
Tahlequah Average Closing Costs & Other Stats
Tahlequah, OK's 52 lenders originated 709
loans during 2024. The total origination value was $135,025,000, with an average loan value of
$190,444.
Tahlequah's average closing costs are $5,771.
The top Tahlequah lender as defined by loan originations is Arvest Bank, with
34 loans originated. Their average total fees are
$4,713, which is $1,031
lower than the next largest lender,
BancFirst.
The lowest fee Tahlequah lenders (with over 10 loans originated) are
Armstrong Bank ($3,764), Arvest Bank ($4,713), BancFirst ($5,744), QUICKEN LOANS, LLC ($7,774) and .
The lowest rate Tahlequah lenders (with over 10 loans originated) are
BancFirst (6.81%), Arvest Bank (6.84%), QUICKEN LOANS, LLC (7.03%), Armstrong Bank (7.63%) and .
Tahlequah, 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 |
|---|---|---|---|---|
| Arvest Bank | $19,145,000 | $19,690,000 | 2.8% | 14.6% |
| BancFirst | $13,210,000 | $12,490,000 | -5.5% | 9.3% |
| QUICKEN LOANS, LLC | $6,400,000 | $8,005,000 | 25.1% | 5.9% |
| Wells Fargo Bank | $305,000 | $7,045,000 | 2,209.8% | 5.2% |
| Armstrong Bank | $8,035,000 | $6,570,000 | -18.2% | 4.9% |
| BROKER SOLUTIONS, INC. | $210,000 | $6,295,000 | 2,897.6% | 4.7% |
| Firstar Bank | $3,265,000 | $3,835,000 | 17.5% | 2.8% |
| American Mortgage Bank, LLC | $3,805,000 | n/a | 2.8% | |
| BOKF | $410,000 | $2,725,000 | 564.6% | 2.0% |
| TTCU Federal Credit Union | $3,085,000 | $2,715,000 | -12.0% | 2.0% |
| Grand Bank | $2,675,000 | n/a | 2.0% | |
| Mortgage Research Center, LLC | $2,125,000 | $2,625,000 | 23.5% | 1.9% |
| FLAT BRANCH MORTGAGE, INC. | $1,955,000 | $2,535,000 | 29.7% | 1.9% |
| ASSOCIATED MORTGAGE CORPORATION | $1,145,000 | $2,495,000 | 117.9% | 1.8% |
| OPEN MORTGAGE, LLC | $4,640,000 | $2,270,000 | -51.1% | 1.7% |
| American Bank of Oklahoma | $2,625,000 | $2,200,000 | -16.2% | 1.6% |
| USAA Federal Savings Bank | $85,000 | $2,030,000 | 2,288.2% | 1.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,775,000 | $1,955,000 | 10.1% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $690,000 | $1,695,000 | 145.7% | 1.3% |
| NAVY FEDERAL CREDIT UNION | $725,000 | $1,665,000 | 129.7% | 1.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,175,000 | $1,210,000 | 3.0% | 0.9% |
| Chickasaw Community Bank | $1,630,000 | $1,205,000 | -26.1% | 0.9% |
| First United Bank and Trust Company | $895,000 | $1,190,000 | 33.0% | 0.9% |
| Century Mortgage Company DBA Century Lending Company | $1,080,000 | n/a | 0.8% | |
| CROSSCOUNTRY MORTGAGE, LLC | $105,000 | $1,000,000 | 852.4% | 0.7% |
| 21ST MORTGAGE CORPORATION | $1,120,000 | $870,000 | -22.3% | 0.6% |
| TRIAD FINANCIAL SERVICES, INC. | $1,340,000 | $845,000 | -36.9% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $800,000 | n/a | 0.6% | |
| American Mortgage & Equity Consultants, Inc. | $790,000 | n/a | 0.6% | |
| MidFirst Bank | $775,000 | n/a | 0.6% | |
| LOANDEPOT.COM, LLC | $880,000 | $750,000 | -14.8% | 0.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $165,000 | $715,000 | 333.3% | 0.5% |
| GUILD MORTGAGE COMPANY | $125,000 | $665,000 | 432.0% | 0.5% |
| Stride Bank | $655,000 | n/a | 0.5% | |
| US MORTGAGE CORPORATION | $430,000 | $655,000 | 52.3% | 0.5% |
| Regent Bank | $635,000 | n/a | 0.5% | |
| The Federal Savings Bank | $635,000 | n/a | 0.5% | |
| PLUS RELOCATION MORTGAGE, LLC | $630,000 | n/a | 0.5% | |
| Mabrey Bank | $610,000 | n/a | 0.5% | |
| AMERICAN FINANCIAL NETWORK, INC. | $560,000 | n/a | 0.4% | |
| Morgan Stanley Private Bank | $545,000 | n/a | 0.4% | |
| UNION HOME MORTGAGE CORP. | $540,000 | n/a | 0.4% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $530,000 | n/a | 0.4% | |
| The First National Bank of Fort Smith | $800,000 | $530,000 | -33.8% | 0.4% |
| Equity Bank | $515,000 | n/a | 0.4% | |
| First Bank | $485,000 | n/a | 0.4% | |
| Generations Bank | $475,000 | n/a | 0.4% | |
| OKLAHOMA CENTRAL Credit Union | $475,000 | n/a | 0.4% | |
| MID AMERICA MORTGAGE, INC. | $1,145,000 | $465,000 | -59.4% | 0.3% |
| U.S. Bank | $255,000 | $465,000 | 82.4% | 0.3% |
| NEW DAY FINANCIAL, LLC | $490,000 | $440,000 | -10.2% | 0.3% |
| North American Savings Bank, F.S.B. | $415,000 | n/a | 0.3% | |
| COMMUNICATION | $280,000 | $390,000 | 39.3% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $165,000 | $390,000 | 136.4% | 0.3% |
| Gateway First Bank | $835,000 | $380,000 | -54.5% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $375,000 | n/a | 0.3% | |
| DEVELOPER'S MORTGAGE COMPANY | $360,000 | n/a | 0.3% | |
| Tinker Federal Credit Union | $425,000 | $345,000 | -18.8% | 0.3% |
| GUARANTEED RATE, INC. | $315,000 | n/a | 0.2% | |
| RUOFF MORTGAGE COMPANY, INC. | $125,000 | $310,000 | 148.0% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $305,000 | n/a | 0.2% | |
| NBKC BANK | $235,000 | $295,000 | 25.5% | 0.2% |
| First Financial Bank | $285,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $275,000 | n/a | 0.2% | |
| Oklahoma Educators Credit Union | $275,000 | n/a | 0.2% | |
| Fifth Third Bank | $255,000 | n/a | 0.2% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $255,000 | n/a | 0.2% | |
| The Huntington National Bank | $255,000 | n/a | 0.2% | |
| All America Bank | $245,000 | n/a | 0.2% | |
| Credence Funding Corporation | $235,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $420,000 | $230,000 | -45.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $590,000 | $225,000 | -61.9% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $225,000 | $225,000 | 0.0% | 0.2% |
| Farmers Bank | $225,000 | n/a | 0.2% | |
| First Texoma National Bank | $225,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $225,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $225,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $550,000 | $215,000 | -60.9% | 0.2% |
| The First National Bank and Trust Company of Broken Arrow | $125,000 | $215,000 | 72.0% | 0.2% |
| INTERNATIONAL CITY MORTGAGE, INC. | $205,000 | n/a | 0.2% | |
| RCB Bank | $395,000 | $195,000 | -50.6% | 0.1% |
| GENEVA FINANCIAL, LLC | $105,000 | $175,000 | 66.7% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $175,000 | n/a | 0.1% | |
| First Western Bank | $345,000 | $165,000 | -52.2% | 0.1% |
| Mortgage Investment Services Corporation | $75,000 | $165,000 | 120.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $165,000 | n/a | 0.1% | |
| THE MORTGAGE LINK, INC. | $355,000 | $165,000 | -53.5% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $165,000 | n/a | 0.1% | |
| Grand Savings Bank | $155,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $575,000 | $155,000 | -73.0% | 0.1% |
| NEWREZ LLC | $165,000 | $150,000 | -9.1% | 0.1% |
| COMMUNITY BANK | $140,000 | n/a | 0.1% | |
| Bank of Commerce | $135,000 | n/a | 0.1% | |
| Discover Bank | $65,000 | $110,000 | 69.2% | 0.1% |
| Prosperity Bank | $95,000 | n/a | 0.1% | |
| SpiritBank | $95,000 | n/a | 0.1% | |
| Coastal Community Bank | $25,000 | $80,000 | 220.0% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $85,000 | $75,000 | -11.8% | 0.1% |
| First Bank & Trust Co. | $75,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $75,000 | $65,000 | -13.3% | 0.0% |
| NBC Oklahoma | $65,000 | n/a | 0.0% | |
| Figure Lending LLC | $80,000 | $60,000 | -25.0% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $105,000 | $55,000 | -47.6% | 0.0% |
| Green Country FCU | $35,000 | n/a | 0.0% | |
| Triad Bank | $35,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $25,000 | n/a | 0.0% |
Tahlequah's top lender by overall market share is Arvest Bank, with 14.6% market share. In second place, with 9.3%, is BancFirst, having originated $12,490,000 in loans. In third place, with 5.9%, is QUICKEN LOANS, LLC, having originated $8,005,000 in loans. In fourth place, with 5.2%, is Wells Fargo Bank, having originated $7,045,000 in loans. In fifth place, with 4.9%, is Armstrong Bank, having originated $6,570,000 in loans.
Tahlequah, OK Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 408 | $96,340,000 | $236,127 |
| Refi | 101 | $16,545,000 | $163,812 |
| Home Improvement | 81 | $5,935,000 | $73,272 |
| Cash Out Refi | 69 | $12,585,000 | $182,391 |
| Other | 50 | $3,620,000 | $72,400 |
Tahlequah's most frequently cited loan purpose was Home Purchase, with 408 originations. The 2nd most popular reason was Refi, with 101 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 230 | $50,920,000 | $221,391 |
| Over 8% | 178 | $17,470,000 | $98,146 |
| 7-8% | 177 | $38,395,000 | $216,921 |
| 5-6% | 78 | $16,680,000 | $213,846 |
| 4-5% | 1 | $5,000 | $5,000 |
During 2024, Tahlequah's most frequently originated rate bucket was 6-7%, with 230 originations.
Loan Sizing (Tahlequah, OK MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 248 | $37,910,000 | $152,863 |
| $100,000 or less | 218 | $12,220,000 | $56,055 |
| $200k-400k | 200 | $52,580,000 | $262,900 |
| $400k-600k | 30 | $14,230,000 | $474,333 |
| $600k-1000k | 10 | $7,050,000 | $705,000 |
| $Over $1MM | 3 | $11,035,000 | $3,678,333 |
Tahlequah's loan sizing saw the bucket of loans from $100k-200k with 248 originations, totaling $37,910,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 279 | $62,915,000 | $225,502 |
| 60-80% | 146 | $27,340,000 | $187,260 |
| 20-40% | 83 | $14,605,000 | $175,964 |
| Under 20% | 64 | $2,330,000 | $36,406 |
| 40-60% | 63 | $9,725,000 | $154,365 |
| Over 100% | 20 | $4,900,000 | $245,000 |
Tahlequah's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 279 originations, totaling $62,915,000 in origination value.