Mortgage lending in Enid, OK
977 mortgages were originated in the Enid, OK area in 2025, and here is what they cost.
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
- 977
- Median rate
- 6.625%
- Median lender fees
- $5,256
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
- $145,000
- Above the going rate (spread over APOR)
- 0.338
- Paid discount points
- 34.3%
- Received lender credits
- 20.2%
- Purchases / refinances
- 67.8% / 19.7%
- Conventional / FHA / VA
- 60.3% / 20.3% / 19%
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 60.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Enid, OK area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Gateway First Bank | 169 | $4,574 | 6.375% |
| Great Plains National Bank | 85 | $5,914 | 6.625% |
| Financial Concepts Mortgage, LLC | 65 | — | 6.250% |
| BOKF, National Association | 60 | — | 7.063% |
| Rocket Mortgage, LLC | 58 | $6,431 | 6.875% |
| The Security National Bank of Enid | 56 | — | — |