Mortgage lending in Stephens County
826 mortgages were originated in Stephens County, Oklahoma, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 826
- Median rate
- 7.000%
- Median lender fees
- $4,747
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $110,000
- Above the going rate (spread over APOR)
- 0.621
- Paid discount points
- 27%
- Received lender credits
- 19.7%
- Purchases / refinances
- 53.6% / 30.4%
- Conventional / FHA / VA
- 71.8% / 13.8% / 13.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 59.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $97,000
- That home, 20% down
- $77,600
A median-priced home with 20% down leaves $755,150 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Stephens County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| BancFirst | 190 | $1,284 | 7.250% |
| Arvest Bank | 116 | — | 7.500% |
| First Bank & Trust Co. | 64 | — | — |
What lenders charged here
Lender fees on a $110,000 loan, based on what was actually charged in Stephens County — not a rule of thumb.
From 495 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers