Woodward Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Woodward averaged 6.64% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.65% and one month ago for the week of 2025-02-27, the average rate was 6.56%.

Woodward's average rate one year ago was 6.99%.

For refis of the same type during the week of 2025-04-03, the average rate was 7.04%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Woodward 30 Year Fixed Rate 2025-04-03 6.64%
Woodward 30 Year Fixed Rate Refi 2025-04-03 7.04%
Woodward 15 Year Fixed Rate 2025-04-03 6.02%
Woodward 15 Year Fixed Rate Refi 2025-04-03 6.12%
Woodward 30 Year FHA 2025-04-03 6.26%
Woodward 30 Year FHA Refi 2025-04-03 6.46%
Woodward 30 Year USDA 2025-04-03 6.32%
Woodward 30 Year USDA Refi 2025-04-03 6.22%
Woodward 30 Year VA 2025-04-03 6.26%
Woodward 30 Year VA Refi 2025-04-03 6.06%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Woodward, OK.

Woodward 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 Woodward, 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
GUILD MORTGAGE COMPANY 13 6.74% $4,226
QUICKEN LOANS, LLC 10 7.11% $7,121
Gateway First Bank 9 7.15% $4,248
Paramount Residential Mortgage Group, Inc. 4 7.00% $3,982
MidFirst Bank 3 7.85% $2,075
Great Plains National Bank 3 6.54% $3,936
Stride Bank 3 6.92% $3,613
Mortgage Investment Services Corporation 2 7.25% $4,122
ROYAL UNITED MORTGAGE LLC 2 6.88% $6,309
UNITED WHOLESALE MORTGAGE, LLC 2 5.63% $6,271
GUARANTEED RATE, INC. 2 7.18% $5,719
UNION HOME MORTGAGE CORP. 1 7.50% $7,680
VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.75% $3,009
AmeriHome Mortgage Company, LLC 1 7.13% $3,935
Wells Fargo Bank 1 6.38% $3,881
BOKF 1 6.50% $6,713
CREDIT UNION OF AMERICA 1 7.63% $3,769
Discover Bank 1 6.49% $0
EVANSVILLE TEACHERS 1 7.00% $3,094
FLAT BRANCH MORTGAGE, INC. 1 6.49% $3,001
LOANDEPOT.COM, LLC 1 5.99% $5,766
MORTGAGE ACCESS CORP. 1 6.49% $4,550
Oklahoma Educators Credit Union 1 6.50% $4,599
PENNYMAC LOAN SERVICES, LLC 1 7.62% $3,892
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.38% $4,231

Woodward Average Closing Costs & Other Stats

Woodward, OK's 25 lenders originated 217 loans during 2024. The total origination value was $33,965,000, with an average loan value of $156,521.

Woodward's average closing costs are $4,714.

The top Woodward lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 13 loans originated. Their average total fees are $4,226, which is $2,895 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Woodward lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY ($4,226), QUICKEN LOANS, LLC ($7,121), .

The lowest rate Woodward lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY (6.74%), QUICKEN LOANS, LLC (7.11%), .

Woodward, 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
GUILD MORTGAGE COMPANY $3,555,000 $4,440,000 24.9% 13.1%
Great Plains National Bank $4,070,000 $4,165,000 2.3% 12.3%
QUICKEN LOANS, LLC $1,325,000 $3,545,000 167.5% 10.4%
Mortgage Research Center, LLC $1,685,000 $2,600,000 54.3% 7.7%
Gateway First Bank $3,195,000 $2,375,000 -25.7% 7.0%
GUARANTEED RATE, INC. $2,235,000 $1,650,000 -26.2% 4.9%
Paramount Residential Mortgage Group, Inc. $580,000 $1,555,000 168.1% 4.6%
Stride Bank $1,595,000 $1,455,000 -8.8% 4.3%
MidFirst Bank $1,300,000 $1,260,000 -3.1% 3.7%
UNITED WHOLESALE MORTGAGE, LLC $1,770,000 $1,110,000 -37.3% 3.3%
Farm Credit Mid-America, ACA $1,080,000 n/a 3.2%
Mortgage Investment Services Corporation $75,000 $530,000 606.7% 1.6%
21ST MORTGAGE CORPORATION $190,000 $505,000 165.8% 1.5%
USAA Federal Savings Bank $430,000 n/a 1.3%
UNION HOME MORTGAGE CORP. $580,000 $370,000 -36.2% 1.1%
Regent Bank $365,000 n/a 1.1%
CHURCHILL MORTGAGE CORPORATION $345,000 n/a 1.0%
PENNYMAC LOAN SERVICES, LLC $310,000 n/a 0.9%
BOKF $75,000 $305,000 306.7% 0.9%
BROKER SOLUTIONS, INC. $395,000 $290,000 -26.6% 0.9%
LOANDEPOT.COM, LLC $285,000 n/a 0.8%
COMMUNICATION $75,000 $255,000 240.0% 0.8%
TOWNE MORTGAGE COMPANY $240,000 n/a 0.7%
CREDIT UNION OF AMERICA $235,000 n/a 0.7%
American Mortgage & Equity Consultants, Inc. $215,000 n/a 0.6%
American Mortgage Bank, LLC $195,000 n/a 0.6%
Mr. Cooper ( Nationstar Mortgage ) $190,000 n/a 0.6%
AmeriHome Mortgage Company, LLC $185,000 n/a 0.5%
F & M Bank $455,000 $185,000 -59.3% 0.5%
EVANSVILLE TEACHERS $175,000 n/a 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $175,000 n/a 0.5%
Discover Bank $165,000 n/a 0.5%
The Central Trust Bank $165,000 n/a 0.5%
AMERISAVE MORTGAGE CORPORATION $145,000 $155,000 6.9% 0.5%
DEEPHAVEN MORTGAGE LLC $155,000 n/a 0.5%
SOUTHWEST STAGE FUNDING, LLC $250,000 $155,000 -38.0% 0.5%
TRIAD FINANCIAL SERVICES, INC. $480,000 $150,000 -68.8% 0.4%
MORTGAGE ACCESS CORP. $175,000 $145,000 -17.1% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,275,000 $140,000 -89.0% 0.4%
Bank 7 $620,000 $135,000 -78.2% 0.4%
Deere Employees Credit Union $135,000 n/a 0.4%
FREEDOM MORTGAGE CORPORATION $135,000 n/a 0.4%
Oklahoma Educators Credit Union $125,000 n/a 0.4%
CARDINAL FINANCIAL $115,000 n/a 0.3%
ROYAL UNITED MORTGAGE LLC $110,000 n/a 0.3%
NEWREZ LLC $105,000 n/a 0.3%
NAVY FEDERAL CREDIT UNION $225,000 $100,000 -55.6% 0.3%
FLAT BRANCH MORTGAGE, INC. $95,000 n/a 0.3%
SUN WEST MORTGAGE COMPANY, INC. $95,000 n/a 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $95,000 n/a 0.3%
Wells Fargo Bank $95,000 n/a 0.3%
A&D Mortgage LLC $85,000 n/a 0.3%
MID AMERICA MORTGAGE, INC. $160,000 $75,000 -53.1% 0.2%
Signature Federal Credit Union $55,000 n/a 0.2%
WEOKIE $55,000 n/a 0.2%
THE BANK OF KREMLIN $45,000 n/a 0.1%
SPRING EQ, LLC $35,000 n/a 0.1%
Coastal Community Bank $25,000 n/a 0.1%

Woodward's top lender by overall market share is GUILD MORTGAGE COMPANY, with 13.1% market share. In second place, with 12.3%, is Great Plains National Bank, having originated $4,165,000 in loans. In third place, with 10.4%, is QUICKEN LOANS, LLC, having originated $3,545,000 in loans. In fourth place, with 7.7%, is Mortgage Research Center, LLC, having originated $2,600,000 in loans. In fifth place, with 7.0%, is Gateway First Bank, having originated $2,375,000 in loans.


Woodward Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Woodward (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 $156,500 (1.8%) $214,736 (7.8%) 0.00 89
2018-02-01 $155,750 (4.8%) $198,433 (-0.3%) 0.00 94
2018-03-01 $149,950 (0.3%) $195,107 (-5.1%) 0.00 93
2018-04-01 $149,250 (2.9%) $201,094 (-0.6%) 0.00 90
2018-05-01 $146,500 (-1.7%) $202,374 (1.0%) 0.00 89
2018-06-01 $146,500 (-2.0%) $214,640 (5.1%) 0.00 104
2018-07-01 $140,000 (-6.7%) $202,658 (-3.2%) 0.00 112
2018-08-01 $143,500 (-10.3%) $201,972 (-3.4%) 0.00 119
2018-09-01 $145,450 (-11.8%) $191,600 (-17.2%) 0.00 125
2018-10-01 $143,500 (-14.2%) $174,331 (-25.0%) 0.00 120
2018-11-01 $141,750 (-12.5%) $176,232 (-22.1%) 0.00 109
2018-12-01 $145,000 (-10.2%) $180,221 (-19.7%) 0.00 101
2019-01-01 $154,925 (-1.0%) $179,176 (-16.6%) 0.00 102
2019-02-01 $158,500 (1.8%) $186,063 (-6.2%) 0.00 94
2019-03-01 $168,050 (12.1%) $195,846 (0.4%) 0.00 83
2019-04-01 $177,800 (19.1%) $202,441 (0.7%) 0.00 82
2019-05-01 $172,125 (17.5%) $197,423 (-2.5%) 0.00 83
2019-06-01 $172,250 (17.6%) $200,455 (-6.6%) 0.00 87
2019-07-01 $167,500 (19.6%) $197,034 (-2.8%) 0.00 90
2019-08-01 $156,227 (8.9%) $188,736 (-6.6%) 0.00 93
2019-09-01 $153,568 (5.6%) $187,408 (-2.2%) 0.00 98
2019-10-01 $150,750 (5.1%) $186,294 (6.9%) 0.00 101
2019-11-01 $151,000 (6.5%) $186,691 (5.9%) 0.00 97
2019-12-01 $147,250 (1.6%) $182,871 (1.5%) 0.00 88
2020-01-01 $145,000 (-6.4%) $186,784 (4.3%) 0.00 85
2020-02-01 $145,000 (-8.5%) $177,793 (-4.5%) 0.00 80
2020-03-01 $148,625 (-11.6%) $179,890 (-8.2%) 0.00 89
2020-04-01 $150,625 (-15.3%) $196,092 (-3.1%) 0.00 93
2020-05-01 $152,000 (-11.7%) $197,852 (0.2%) 0.00 87
2020-06-01 $147,000 (-14.7%) $187,044 (-6.7%) 0.00 109
2020-07-01 $149,500 (-10.8%) $191,129 (-3.0%) 0.00 106
2020-08-01 $138,000 (-11.7%) $190,612 (1.0%) 0.00 98
2020-09-01 $130,000 (-15.4%) $204,835 (9.3%) 0.00 98
2020-10-01 $125,000 (-17.1%) $199,058 (6.9%) 0.00 89
2020-11-01 $129,500 (-14.2%) $202,118 (8.3%) 0.00 82
2020-12-01 $126,000 (-14.4%) $205,999 (12.7%) 0.00 81
2021-01-01 $116,960 (-19.3%) $204,194 (9.3%) 0.00 74
2021-02-01 $119,625 (-17.5%) $214,699 (20.8%) 0.00 66
2021-03-01 $124,250 (-16.4%) $219,663 (22.1%) 0.00 63
2021-04-01 $119,750 (-20.5%) $208,253 (6.2%) 0.00 72
2021-05-01 $123,500 (-18.8%) $199,285 (0.7%) 0.00 74
2021-06-01 $118,250 (-19.6%) $191,566 (2.4%) 0.00 62
2021-07-01 $141,000 (-5.7%) $202,775 (6.1%) 0.00 59
2021-08-01 $137,750 (-0.2%) $180,348 (-5.4%) 0.00 67
2021-09-01 $137,375 (5.7%) $182,064 (-11.1%) 0.00 62
2021-10-01 $135,000 (8.0%) $192,140 (-3.5%) 0.00 71
2021-11-01 $130,000 (0.4%) $190,212 (-5.9%) 0.00 66
2021-12-01 $129,750 (3.0%) $180,947 (-12.2%) 0.00 69
2022-01-01 $126,500 (8.2%) $182,070 (-10.8%) 0.00 63
2022-02-01 $118,500 (-0.9%) $169,948 (-20.8%) 0.00 61
2022-03-01 $124,500 (0.2%) $186,389 (-15.2%) 0.00 67
2022-04-01 $135,000 (12.7%) $187,725 (-9.9%) 0.00 71
2022-05-01 $141,250 (14.4%) $199,641 (0.2%) 0.00 68
2022-06-01 $132,000 (11.6%) $183,719 (-4.1%) 0.00 66
2022-07-01 $129,000 (-8.5%) $182,726 (-9.9%) 0.00 70
2022-08-01 $137,125 (-0.5%) $180,314 (0.0%) 0.00 75
2022-09-01 $133,000 (-3.2%) $178,782 (-1.8%) 0.00 73
2022-10-01 $126,500 (-6.3%) $182,705 (-4.9%) 0.00 61
2022-11-01 $141,500 (8.9%) $197,642 (3.9%) 0.00 62
2022-12-01 $145,000 (11.8%) $200,558 (10.8%) 0.00 62
2023-01-01 $145,500 (15.0%) $201,508 (10.7%) 0.00 57
2023-02-01 $159,625 (34.7%) $209,946 (23.5%) 0.00 49
2023-03-01 $184,888 (48.5%) $218,293 (17.1%) 0.00 41
2023-04-01 $165,000 (22.2%) $208,010 (10.8%) 0.00 45
2023-05-01 $155,000 (9.7%) $205,438 (2.9%) 0.00 41
2023-06-01 $149,750 (13.5%) $201,221 (9.5%) 0.00 44
2023-07-01 $140,000 (8.5%) $189,288 (3.6%) 0.00 48
2023-08-01 $142,500 (3.9%) $196,568 (9.0%) 0.00 50
2023-09-01 $143,500 (7.9%) $207,978 (16.3%) 0.00 51
2023-10-01 $139,500 (10.3%) $212,635 (16.4%) 0.00 53
2023-11-01 $140,000 (-1.1%) $219,954 (11.3%) 0.00 57
2023-12-01 $166,500 (14.8%) $235,226 (17.3%) 0.00 53
2024-01-01 $161,000 (10.7%) $221,544 (9.9%) 0.00 55
2024-02-01 $155,000 (-2.9%) $214,914 (2.4%) 0.00 59
2024-03-01 $162,500 (-12.1%) $220,060 (0.8%) 0.00 62
2024-04-01 $158,750 (-3.8%) $206,760 (-0.6%) 0.00 64
2024-05-01 $160,000 (3.2%) $206,446 (0.5%) 0.00 58
2024-06-01 $177,500 (18.5%) $235,974 (17.3%) 0.00 58
2024-07-01 $195,375 (39.6%) $233,692 (23.5%) 0.00 64
2024-08-01 $163,750 (14.9%) $228,015 (16.0%) 0.00 68
2024-09-01 $156,250 (8.9%) $224,815 (8.1%) 0.00 64
2024-10-01 $162,125 (16.2%) $228,740 (7.6%) 0.00 64
2024-11-01 $184,000 (31.4%) $232,879 (5.9%) 0.00 63
2024-12-01 $165,000 (-0.9%) $223,983 (-4.8%) 0.00 66
2025-01-01 $167,500 (4.0%) $229,839 (3.7%) 0.00 59
2025-02-01 $173,000 (11.6%) $212,965 (-0.9%) 0.00 61
2025-03-01 $165,000 (1.5%) $212,049 (-3.6%) 0.00 74
Woodward's median listing price for 2025-03-01 was $165,000, a difference of $2,500 (1.5%) versus the prior year and $-8,000 versus the prior month.

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

Woodward's average listing price for 2025-03-01 was $212,049, a difference of $-8,011 (-3.6%) versus the prior year and $-916 versus the prior month.

For the 2025-03-01 period, Woodward had 74 MLS listings, a difference of 13 listings (21%) versus the prior month and 12 listings (19%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Woodward (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,763 sqft
2018-02-01 0 days 1,779 sqft
2018-03-01 0 days 1,755 sqft
2018-04-01 0 days 1,816 sqft
2018-05-01 0 days 1,807 sqft
2018-06-01 0 days 1,779 sqft
2018-07-01 0 days 1,726 sqft
2018-08-01 0 days 1,761 sqft
2018-09-01 0 days 1,740 sqft
2018-10-01 0 days 1,722 sqft
2018-11-01 0 days 1,714 sqft
2018-12-01 0 days 1,740 sqft
2019-01-01 0 days 1,773 sqft
2019-02-01 0 days 1,791 sqft
2019-03-01 0 days 1,873 sqft
2019-04-01 0 days 1,878 sqft
2019-05-01 0 days 1,876 sqft
2019-06-01 0 days 1,875 sqft
2019-07-01 0 days 1,890 sqft
2019-08-01 0 days 1,827 sqft
2019-09-01 0 days 1,809 sqft
2019-10-01 0 days 1,797 sqft
2019-11-01 0 days 1,803 sqft
2019-12-01 0 days 1,729 sqft
2020-01-01 0 days 1,722 sqft
2020-02-01 0 days 1,634 sqft
2020-03-01 0 days 1,645 sqft
2020-04-01 0 days 1,797 sqft
2020-05-01 0 days 1,810 sqft
2020-06-01 0 days 1,634 sqft
2020-07-01 0 days 1,762 sqft
2020-08-01 0 days 1,650 sqft
2020-09-01 0 days 1,681 sqft
2020-10-01 0 days 1,578 sqft
2020-11-01 0 days 1,607 sqft
2020-12-01 0 days 1,603 sqft
2021-01-01 0 days 1,500 sqft
2021-02-01 0 days 1,523 sqft
2021-03-01 0 days 1,562 sqft
2021-04-01 0 days 1,566 sqft
2021-05-01 0 days 1,558 sqft
2021-06-01 0 days 1,575 sqft
2021-07-01 0 days 1,627 sqft
2021-08-01 0 days 1,597 sqft
2021-09-01 0 days 1,581 sqft
2021-10-01 0 days 1,612 sqft
2021-11-01 0 days 1,615 sqft
2021-12-01 0 days 1,657 sqft
2022-01-01 0 days 1,597 sqft
2022-02-01 0 days 1,586 sqft
2022-03-01 0 days 1,603 sqft
2022-04-01 0 days 1,779 sqft
2022-05-01 0 days 1,779 sqft
2022-06-01 0 days 1,677 sqft
2022-07-01 0 days 1,677 sqft
2022-08-01 0 days 1,658 sqft
2022-09-01 0 days 1,651 sqft
2022-10-01 0 days 1,609 sqft
2022-11-01 0 days 1,715 sqft
2022-12-01 0 days 1,757 sqft
2023-01-01 0 days 1,705 sqft
2023-02-01 0 days 1,719 sqft
2023-03-01 0 days 1,788 sqft
2023-04-01 0 days 1,775 sqft
2023-05-01 0 days 1,772 sqft
2023-06-01 0 days 1,741 sqft
2023-07-01 0 days 1,689 sqft
2023-08-01 0 days 1,751 sqft
2023-09-01 0 days 1,775 sqft
2023-10-01 0 days 1,723 sqft
2023-11-01 0 days 1,713 sqft
2023-12-01 0 days 1,778 sqft
2024-01-01 0 days 1,688 sqft
2024-02-01 0 days 1,601 sqft
2024-03-01 0 days 1,678 sqft
2024-04-01 0 days 1,710 sqft
2024-05-01 0 days 1,718 sqft
2024-06-01 0 days 1,796 sqft
2024-07-01 0 days 1,928 sqft
2024-08-01 0 days 1,812 sqft
2024-09-01 0 days 1,794 sqft
2024-10-01 0 days 1,801 sqft
2024-11-01 0 days 1,840 sqft
2024-12-01 0 days 1,747 sqft
2025-01-01 0 days 1,658 sqft
2025-02-01 0 days 1,645 sqft
2025-03-01 0 days 1,631 sqft
Woodward's median listing age (time on market) for 2025-03-01 was 0 days.

Woodward's median square footage for active listings during the 2025-03-01 period was 1,631 sqft. One year prior, the average listing was 1,678 sqft.

Woodward, OK Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 157 $26,305,000 $167,548
Cash Out Refi 21 $2,885,000 $137,381
Refi 20 $3,720,000 $186,000
Home Improvement 14 $780,000 $55,714
Other 5 $275,000 $55,000

Woodward's most frequently cited loan purpose was Home Purchase, with 157 originations. The 2nd most popular reason was Cash Out Refi, with 21 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 90 $14,890,000 $165,444
7-8% 61 $9,585,000 $157,131
Over 8% 33 $3,455,000 $104,697
5-6% 24 $5,180,000 $215,833
<2.5% 6 $310,000 $51,667

During 2024, Woodward's most frequently originated rate bucket was 6-7%, with 90 originations.

Loan Sizing (Woodward, OK MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 98 $14,490,000 $147,857
$100,000 or less 69 $4,335,000 $62,826
$200k-400k 45 $11,735,000 $260,778
$400k-600k 3 $1,415,000 $471,667
$600k-1000k 2 $1,990,000 $995,000

Woodward's loan sizing saw the bucket of loans from $100k-200k with 98 originations, totaling $14,490,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 133 $22,315,000 $167,782
60-80% 37 $6,405,000 $173,108
40-60% 17 $2,125,000 $125,000
20-40% 14 $1,000,000 $71,429
Under 20% 11 $435,000 $39,545

Woodward's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 133 originations, totaling $22,315,000 in origination value.