Woodward Mortgage Rates

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

30 Year Fixed Rate mortgages in Woodward averaged 5.64% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.95% and one month ago for the week of 2022-05-26, the average rate was 5.34%.

Woodward's average rate one year ago was 3.39%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Woodward 30 Year Fixed Rate 2022-06-30 5.64%
Woodward 30 Year Fixed Rate Refi 2022-06-30 5.59%
Woodward 15 Year Fixed Rate 2022-06-30 5.48%
Woodward 15 Year Fixed Rate Refi 2022-06-30 5.12%
Woodward 30 Year FHA 2022-06-30 5.6%
Woodward 30 Year FHA Refi 2022-06-30 5.89%
Woodward 30 Year USDA 2022-06-30 5.81%
Woodward 30 Year USDA Refi 2022-06-30 5.2%
Woodward 30 Year VA 2022-06-30 5.77%
Woodward 30 Year VA Refi 2022-06-30 5.28%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Great Plains National Bank 29 3.30% $3,913
GUILD MORTGAGE COMPANY 20 3.22% $4,252
QUICKEN LOANS, LLC 16 3.12% $5,094
CALIBER HOME LOANS, INC. 15 3.13% $2,539
Mortgage Investment Services Corporation 10 3.55% $4,590
Citizens Bank 8 3.00% $3,746
MidFirst Bank 7 2.73% $3,593
Wells Fargo Bank 6 3.04% $4,996
LOANDEPOT.COM, LLC 5 3.45% $6,611
The Huntington National Bank 3 2.88% $2,392
First United Bank and Trust Company 3 3.17% $4,168
F & M Bank 3 2.67% $3,026
HOMESIDE FINANCIAL, LLC 2 2.94% $2,999
CORNERSTONE HOME LENDING, INC. 2 2.69% $7,065
GUARANTEED RATE, INC. 2 3.19% $3,055
Gateway First Bank 2 3.06% $2,683
HOME POINT FINANCIAL CORPORATION 2 2.81% $4,706
Tinker Federal Credit Union 2 3.50% $2,382
U.S. Bank 2 2.56% $1,809
Oklahoma Educators Credit Union 2 4.31% $4,668
ASSOCIATED MORTGAGE CORPORATION 2 3.19% $3,214
Mr. Cooper ( Nationstar Mortgage ) 1 3.25% $5,030
NAVY FEDERAL CREDIT UNION 1 4.00% $1,599
NexBank 1 3.25% $4,638
OKLAHOMA'S 1 3.50% $1,232
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.99% $4,614
Amarillo National Bank 1 3.25% $2,623
SIRVA MORTGAGE, INC. 1 3.38% $2,012
AIR ACADEMY 1 2.50% $4,185
TIB The Independent Bankersbank 1 2.88% $4,116
DELMAR FINANCIAL COMPANY 1 2.50% $2,416
Flagstar Bank, FSB 1 3.50% $2,796
Vision Bank 1 2.63% $4,488
ALLEGIANCE 1 3.00% $4,817
COMMUNICATION 1 3.38% $0
INTERLINC MORTGAGE SERVICES, LLC 1 3.63% $5,656
JPMorgan Chase Bank 1 3.88% $10,060
KeyBank 1 2.75% $2,203
LEADERONE FINANCIAL CORPORATION 1 2.88% $3,212
AMERISAVE MORTGAGE CORPORATION 1 2.88% $5,237
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $3,606

Woodward, OK's 41 lenders originated 446 loans during 2021. The total origination value was $72,010,000, with an average loan value of $161,457.

The top Woodward lender as defined by loan originations is Great Plains National Bank, with 29 loans originated. Their average total fees are $3,913, which is $339 lower than the next largest lender, GUILD MORTGAGE COMPANY.

The lowest fee Woodward lenders (with over 10 loans originated) are CALIBER HOME LOANS, INC. ($2,539), Great Plains National Bank ($3,913), GUILD MORTGAGE COMPANY ($4,252), Mortgage Investment Services Corporation ($4,590) and QUICKEN LOANS, LLC ($5,094).

The lowest rate Woodward lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (3.12%), CALIBER HOME LOANS, INC. (3.13%), GUILD MORTGAGE COMPANY (3.22%), Great Plains National Bank (3.30%) and Mortgage Investment Services Corporation (3.55%).

Woodward, OK Lender 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
Great Plains National Bank $10,485,000 $10,690,000 2.0% 14.8%
QUICKEN LOANS, LLC $5,545,000 $7,175,000 29.4% 10.0%
GUILD MORTGAGE COMPANY $7,485,000 $5,920,000 -20.9% 8.2%
Mortgage Investment Services Corporation $2,970,000 $3,825,000 28.8% 5.3%
Citizens Bank $3,475,000 n/a 4.8%
GUARANTEED RATE, INC. $2,825,000 $3,320,000 17.5% 4.6%
CALIBER HOME LOANS, INC. $1,065,000 $3,175,000 198.1% 4.4%
MidFirst Bank $2,930,000 $2,655,000 -9.4% 3.7%
LOANDEPOT.COM, LLC $765,000 $2,420,000 216.3% 3.4%
FREEDOM MORTGAGE CORPORATION $2,300,000 $2,365,000 2.8% 3.3%
Wells Fargo Bank $400,000 $1,800,000 350.0% 2.5%
Gateway First Bank $570,000 $1,330,000 133.3% 1.8%
First United Bank and Trust Company $1,420,000 $1,165,000 -18.0% 1.6%
HOME POINT FINANCIAL CORPORATION $215,000 $1,080,000 402.3% 1.5%
Flagstar Bank, FSB $920,000 $880,000 -4.3% 1.2%
The Huntington National Bank $850,000 n/a 1.2%
BOKF $400,000 $825,000 106.3% 1.1%
CORNERSTONE HOME LENDING, INC. $465,000 $815,000 75.3% 1.1%
Mortgage Research Center, LLC $570,000 $740,000 29.8% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $810,000 $740,000 -8.6% 1.0%
OKLAHOMA'S $790,000 $645,000 -18.4% 0.9%
INTERLINC MORTGAGE SERVICES, LLC $690,000 $595,000 -13.8% 0.8%
F & M Bank $815,000 $530,000 -35.0% 0.7%
ASSOCIATED MORTGAGE CORPORATION $795,000 $525,000 -34.0% 0.7%
U.S. Bank $1,070,000 $490,000 -54.2% 0.7%
NEWREZ LLC $75,000 $485,000 546.7% 0.7%
Chickasaw Community Bank $300,000 $470,000 56.7% 0.7%
Bank 7 $1,030,000 $465,000 -54.9% 0.6%
AMERISAVE MORTGAGE CORPORATION $460,000 n/a 0.6%
21ST MORTGAGE CORPORATION $730,000 $445,000 -39.0% 0.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $230,000 $430,000 87.0% 0.6%
COUNTRYPLACE MORTGAGE, LTD. $395,000 n/a 0.5%
VALOR BANK $390,000 n/a 0.5%
UNION HOME MORTGAGE CORP. $955,000 $370,000 -61.3% 0.5%
American Mortgage Bank, LLC $345,000 n/a 0.5%
LAKEVIEW LOAN SERVICING, LLC $330,000 n/a 0.5%
LENOX FINANCIAL MORTGAGE CORPORATION $315,000 n/a 0.4%
Oklahoma Educators Credit Union $310,000 n/a 0.4%
CHURCHILL MORTGAGE CORPORATION $300,000 n/a 0.4%
LEADERONE FINANCIAL CORPORATION $285,000 n/a 0.4%
DELMAR FINANCIAL COMPANY $265,000 n/a 0.4%
Tinker Federal Credit Union $390,000 $260,000 -33.3% 0.4%
NAVY FEDERAL CREDIT UNION $25,000 $250,000 900.0% 0.3%
TIB The Independent Bankersbank $245,000 n/a 0.3%
HOMESIDE FINANCIAL, LLC $170,000 $240,000 41.2% 0.3%
Stride Bank $705,000 $240,000 -66.0% 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $145,000 $235,000 62.1% 0.3%
BancFirst $105,000 $235,000 123.8% 0.3%
JPMorgan Chase Bank $135,000 $235,000 74.1% 0.3%
ALLEGIANCE $455,000 $225,000 -50.5% 0.3%
BECKAM FUNDING CORP. $225,000 n/a 0.3%
Bank of America $125,000 $220,000 76.0% 0.3%
NEW DAY FINANCIAL, LLC $105,000 $215,000 104.8% 0.3%
FLAT BRANCH MORTGAGE, INC. $195,000 n/a 0.3%
COMMUNICATION $345,000 $185,000 -46.4% 0.3%
AMERICAN FINANCING CORPORATION $145,000 $175,000 20.7% 0.2%
OPEN MORTGAGE, LLC $165,000 $170,000 3.0% 0.2%
Barrington Bank & Trust Company, N.A. $165,000 n/a 0.2%
Low VA Rates, LLC $165,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $155,000 n/a 0.2%
Carrington Mortgage Services, LLC $155,000 n/a 0.2%
PLAZA HOME MORTGAGE, INC. $155,000 n/a 0.2%
BNC National Bank $105,000 $145,000 38.1% 0.2%
KeyBank $145,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $145,000 n/a 0.2%
NATIONS DIRECT MORTGAGE, LLC $145,000 n/a 0.2%
TTCU Federal Credit Union $145,000 n/a 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $85,000 $145,000 70.6% 0.2%
ZILLOW HOME LOANS, LLC $400,000 $145,000 -63.8% 0.2%
AIR ACADEMY $135,000 n/a 0.2%
Inwood National Bank $135,000 n/a 0.2%
Paramount Residential Mortgage Group, Inc. $135,000 n/a 0.2%
Vision Bank $155,000 $135,000 -12.9% 0.2%
Arvest Bank $85,000 $125,000 47.1% 0.2%
PENNYMAC LOAN SERVICES, LLC $95,000 $125,000 31.6% 0.2%
United Fidelity Funding Corp. $185,000 $125,000 -32.4% 0.2%
Bank of Colorado $115,000 n/a 0.2%
First Guaranty Mortgage Corporation $115,000 n/a 0.2%
NexBank $115,000 n/a 0.2%
OCEANSIDE MORTGAGE COMPANY $115,000 $115,000 0.0% 0.2%
SIRVA MORTGAGE, INC. $115,000 n/a 0.2%
UNITED WHOLESALE MORTGAGE, LLC $115,000 n/a 0.2%
USAA Federal Savings Bank $310,000 $115,000 -62.9% 0.2%
Equity Prime Mortgage LLC $105,000 n/a 0.1%
FirstBank Southwest $140,000 $105,000 -25.0% 0.1%
SOUTHWEST STAGE FUNDING, LLC $235,000 $105,000 -55.3% 0.1%
PNC Bank $95,000 n/a 0.1%
Servion, Inc. $95,000 n/a 0.1%
CMG MORTGAGE, INC. $325,000 $85,000 -73.8% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $115,000 $85,000 -26.1% 0.1%
Visio Financial Services Inc. $85,000 n/a 0.1%
Amarillo National Bank $45,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $35,000 n/a 0.0%

Woodward's top lender by overall market share is Great Plains National Bank, with 14.8% market share. In second place, with 10.0%, is QUICKEN LOANS, LLC, having originated $7,175,000 in loans. In third place, with 8.2%, is GUILD MORTGAGE COMPANY, having originated $5,920,000 in loans. In third place, with 5.3%, is Mortgage Investment Services Corporation, having originated $3,825,000 in loans. In third place, with 4.8%, is Citizens Bank, having originated $3,475,000 in loans.


Woodward, OK Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 233 $35,295,000 $151,481
Refi 141 $25,185,000 $178,617
Cash Out Refi 61 $10,795,000 $176,967
Home Improvement 7 $435,000 $62,143
Other 4 $300,000 $75,000

Woodward's most frequently cited loan purpose was Home Purchase, with 233 originations. The 2nd most popular reason was Refi, with 141 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 188 $31,960,000 $170,000
3-4% 153 $25,285,000 $165,261
<2.5% 61 $9,485,000 $155,492
4-5% 21 $2,455,000 $116,905
5-6% 6 $700,000 $116,667
6-7% 5 $655,000 $131,000
7-8% 2 $260,000 $130,000
Over 8% 2 $250,000 $125,000

During 2021, Woodward's most frequently originated rate bucket was 2.5-3%, with 188 originations.

Loan Sizing (Woodward, OK MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 216 $31,040,000 $143,704
$100,000 or less 121 $8,635,000 $71,364
$200k-400k 96 $26,150,000 $272,396
$400k-600k 12 $5,520,000 $460,000
$600k-1000k 1 $665,000 $665,000

Woodward's loan sizing saw the bucket of loans from $100k-200k with 216 originations, totaling $31,040,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 240 $37,520,000 $156,333
60-80% 127 $24,325,000 $191,535
40-60% 31 $4,735,000 $152,742
20-40% 11 $875,000 $79,545
Under 20% 7 $335,000 $47,857
Over 100% 4 $460,000 $115,000

Woodward's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 240 originations, totaling $37,520,000 in origination value.


Market Conditions (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 (1.0%) $211,678 (2.3%) 0.00 88
2018-02-01 $154,500 (4.1%) $194,897 (-5.0%) 0.00 91
2018-03-01 $150,000 (0.7%) $195,026 (-7.1%) 0.00 92
2018-04-01 $149,450 (3.1%) $202,337 (-1.5%) 0.00 88
2018-05-01 $147,000 (-1.3%) $203,617 (0.5%) 0.00 87
2018-06-01 $145,000 (-3.0%) $215,876 (3.8%) 0.00 103
2018-07-01 $137,750 (-8.2%) $202,000 (-1.7%) 0.00 110
2018-08-01 $139,000 (-11.8%) $200,572 (-2.9%) 0.00 117
2018-09-01 $144,500 (-12.4%) $191,045 (-16.4%) 0.00 124
2018-10-01 $140,750 (-15.2%) $171,984 (-25.1%) 0.00 119
2018-11-01 $139,000 (-13.7%) $174,084 (-21.9%) 0.00 107
2018-12-01 $140,000 (-13.0%) $178,277 (-19.4%) 0.00 103
2019-01-01 $148,000 (-5.4%) $176,687 (-16.5%) 0.00 101
2019-02-01 $156,000 (1.0%) $184,594 (-5.3%) 0.00 97
2019-03-01 $167,529 (11.7%) $195,002 (0.0%) 0.00 86
2019-04-01 $177,479 (18.8%) $201,679 (-0.3%) 0.00 82
2019-05-01 $172,000 (17.0%) $199,688 (-1.9%) 0.00 83
2019-06-01 $172,000 (18.6%) $202,682 (-6.1%) 0.00 87
2019-07-01 $168,000 (22.0%) $201,939 (0.0%) 0.00 89
2019-08-01 $155,657 (12.0%) $189,766 (-5.4%) 0.00 89
2019-09-01 $150,000 (3.8%) $183,745 (-3.8%) 0.00 89
2019-10-01 $150,000 (6.6%) $186,316 (8.3%) 0.00 99
2019-11-01 $150,000 (7.9%) $186,826 (7.3%) 0.00 96
2019-12-01 $148,750 (6.3%) $184,487 (3.5%) 0.00 87
2020-01-01 $145,000 (-2.0%) $187,870 (6.3%) 0.00 81
2020-02-01 $145,000 (-7.1%) $178,876 (-3.1%) 0.00 80
2020-03-01 $147,000 (-12.3%) $180,281 (-7.6%) 0.00 89
2020-04-01 $152,750 (-13.9%) $197,697 (-2.0%) 0.00 92
2020-05-01 $150,000 (-12.8%) $198,600 (-0.6%) 0.00 85
2020-06-01 $147,000 (-14.5%) $186,693 (-7.9%) 0.00 107
2020-07-01 $150,000 (-10.7%) $190,818 (-5.5%) 0.00 105
2020-08-01 $139,900 (-10.1%) $193,652 (2.1%) 0.00 99
2020-09-01 $133,300 (-11.1%) $207,076 (12.7%) 0.00 99
2020-10-01 $125,000 (-16.7%) $198,385 (6.5%) 0.00 89
2020-11-01 $129,500 (-13.7%) $203,849 (9.1%) 0.00 82
2020-12-01 $125,000 (-16.0%) $205,112 (11.2%) 0.00 79
2021-01-01 $119,500 (-17.6%) $204,468 (8.8%) 0.00 74
2021-02-01 $120,000 (-17.2%) $212,871 (19.0%) 0.00 66
2021-03-01 $130,000 (-11.6%) $219,737 (21.9%) 0.00 63
2021-04-01 $122,000 (-20.1%) $211,097 (6.8%) 0.00 73
2021-05-01 $125,000 (-16.7%) $198,284 (-0.2%) 0.00 75
2021-06-01 $123,500 (-16.0%) $192,643 (3.2%) 0.00 62
2021-07-01 $145,000 (-3.3%) $196,421 (2.9%) 0.00 60
2021-08-01 $140,500 (0.4%) $181,032 (-6.5%) 0.00 67
2021-09-01 $137,750 (3.3%) $182,294 (-12.0%) 0.00 62
2021-10-01 $137,000 (9.6%) $193,046 (-2.7%) 0.00 71
2021-11-01 $132,500 (2.3%) $191,914 (-5.9%) 0.00 67
2021-12-01 $130,000 (4.0%) $181,819 (-11.4%) 0.00 67
2022-01-01 $129,000 (8.0%) $183,236 (-10.4%) 0.00 60
2022-02-01 $120,000 (0.0%) $170,131 (-20.1%) 0.00 61
2022-03-01 $124,500 (-4.2%) $185,019 (-15.8%) 0.00 67
2022-04-01 $135,000 (10.7%) $186,455 (-11.7%) 0.00 70
2022-05-01 $140,000 (12.0%) $199,071 (0.4%) 0.00 66
2022-06-01 $133,500 (8.1%) $186,169 (-3.4%) 0.00 63
Woodward's median listing price for 2022-06-01 was $133,500, a difference of $10,000 (8.1%) versus the prior year and $-6,500 versus the prior month.

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

Woodward's average listing price for 2022-06-01 was $186,169, a difference of $-6,474 (-3.4%) versus the prior year and $-12,902 versus the prior month.

For the 2022-06-01 period, Woodward had 63 MLS listings, a difference of -3 listings (-5%) versus the prior month and 1 listings (2%) 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 1,514 sqft
2018-02-01 0 days 1,514 sqft
2018-03-01 0 days 1,514 sqft
2018-04-01 0 days 1,568 sqft
2018-05-01 0 days 1,568 sqft
2018-06-01 0 days 1,568 sqft
2018-07-01 0 days 1,080 sqft
2018-08-01 0 days 1,080 sqft
2018-09-01 0 days 1,080 sqft
2018-10-01 0 days 1,080 sqft
2018-11-01 0 days 1,148 sqft
2018-12-01 0 days 1,216 sqft
2019-01-01 0 days 1,470 sqft
2019-02-01 0 days 1,775 sqft
2019-03-01 0 days 2,080 sqft
2019-04-01 0 days 2,480 sqft
2019-05-01 0 days 1,892 sqft
2019-06-01 0 days 1,876 sqft
2019-07-01 0 days 1,904 sqft
2019-08-01 0 days 1,841 sqft
2019-09-01 0 days 1,812 sqft
2019-10-01 0 days 1,795 sqft
2019-11-01 0 days 1,799 sqft
2019-12-01 0 days 1,760 sqft
2020-01-01 0 days 1,729 sqft
2020-02-01 0 days 1,729 sqft
2020-03-01 0 days 1,631 sqft
2020-04-01 0 days 1,818 sqft
2020-05-01 0 days 1,790 sqft
2020-06-01 0 days 1,641 sqft
2020-07-01 0 days 1,762 sqft
2020-08-01 0 days 1,762 sqft
2020-09-01 0 days 1,635 sqft
2020-10-01 0 days 1,587 sqft
2020-11-01 0 days 1,607 sqft
2020-12-01 0 days 1,615 sqft
2021-01-01 0 days 1,500 sqft
2021-02-01 0 days 1,528 sqft
2021-03-01 0 days 1,568 sqft
2021-04-01 0 days 1,578 sqft
2021-05-01 0 days 1,564 sqft
2021-06-01 0 days 1,587 sqft
2021-07-01 0 days 1,719 sqft
2021-08-01 0 days 1,601 sqft
2021-09-01 0 days 1,591 sqft
2021-10-01 0 days 1,612 sqft
2021-11-01 0 days 1,657 sqft
2021-12-01 0 days 1,657 sqft
2022-01-01 0 days 1,597 sqft
2022-02-01 0 days 1,583 sqft
2022-03-01 0 days 1,603 sqft
2022-04-01 0 days 1,761 sqft
2022-05-01 0 days 1,797 sqft
2022-06-01 0 days 1,680 sqft
Woodward's median listing age (time on market) for 2022-06-01 was 0 days.

Woodward's median square footage for active listings during the 2022-06-01 period was 1,680 sqft. One year prior, the average listing was 1,587 sqft.