Guymon USDA Loan Rates, Closing Costs & Stats

Guymon, OK

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Guymon's 2 lenders originated 3 USDA loans during 2023. The total origination value was $525,000, with an average USDA loan value of $175,000.

    Guymon USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Guymon averaged 6.2% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Guymon's average USDA mortgage closing costs are $5,889.

    The average rate for the prior week (2024-12-06) was 6.44% and one month ago for the week of 2024-11-08, the average rate was 6.25%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.3%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Guymon USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Guymon level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CMG MORTGAGE, INC. 2 6.50% $8,621
    Equity Bank 1 6.88% $5,597

    The top Guymon USDA lender as defined by loan originations is CMG MORTGAGE, INC., with 2 USDA loans originated. Their average total fees are $8,621, which is $3,024 higher than the next largest lender, Equity Bank.

    The lowest fee Guymon USDA lenders (with over 10 loans originated) are .

    The lowest rate Guymon USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Guymon (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 $67,350 (-11.4%) $76,813 (1.1%) 0.00 3
    2018-02-01 $64,650 (-14.9%) $64,650 (-14.9%) 0.00 2
    2018-03-01 $79,300 (78.4%) $100,067 (125.2%) 0.00 3
    2018-04-01 $77,350 (74.0%) $96,450 (117.0%) 0.00 3
    2018-05-01 $139,975 (180.0%) $139,975 (102.3%) 0.00 1
    2018-06-01 $62,500 (6.4%) $96,500 (38.1%) 0.00 2
    2018-07-01 $52,000 (4.0%) $52,000 (-16.5%) 0.00 1
    2018-08-01 $84,500 (-2.0%) $77,167 (-7.4%) 0.00 3
    2018-09-01 $63,500 (-5.9%) $63,500 (-13.9%) 0.00 2
    2018-10-01 $71,000 (3.7%) $71,000 (-7.1%) 0.00 2
    2018-11-01 $70,000 (12.9%) $70,000 (-13.3%) 0.00 2
    2018-12-01 $70,000 (12.9%) $70,000 (-15.3%) 0.00 2
    2019-01-01 $70,000 (3.9%) $70,000 (-8.9%) 0.00 2
    2019-02-01 $70,000 (8.3%) $70,000 (8.3%) 0.00 2
    2019-03-01 $84,143 (6.1%) $88,524 (-11.5%) 0.00 3
    2019-04-01 $79,643 (3.0%) $72,024 (-25.3%) 0.00 3
    2019-05-01 $72,000 (-48.6%) $67,333 (-51.9%) 0.00 2
    2019-06-01 $115,000 (84.0%) $115,000 (19.2%) 0.00 2
    2019-07-01 $167,000 (221.2%) $167,000 (221.2%) 0.00 2
    2019-08-01 $202,455 (139.6%) $202,455 (162.4%) 0.00 2
    2019-09-01 $255,636 (302.6%) $255,636 (302.6%) 0.00 2
    2019-10-01 $204,591 (188.2%) $253,674 (257.3%) 0.00 3
    2019-11-01 $99,000 (41.4%) $222,167 (217.4%) 0.00 3
    2019-12-01 $99,000 (41.4%) $218,000 (211.4%) 0.00 3
    2020-01-01 $99,000 (41.4%) $218,000 (211.4%) 0.00 3
    2020-02-01 $109,475 (56.4%) $177,990 (154.3%) 0.00 4
    2020-03-01 $99,488 (18.2%) $161,429 (82.4%) 0.00 5
    2020-04-01 $95,750 (20.2%) $152,117 (111.2%) 0.00 6
    2020-05-01 $89,500 (24.3%) $96,350 (43.1%) 0.00 4
    2020-06-01 $88,250 (-23.3%) $93,900 (-18.4%) 0.00 4
    2020-07-01 $86,250 (-48.4%) $91,075 (-45.5%) 0.00 4
    2020-08-01 $76,250 (-62.3%) $76,250 (-62.3%) 0.00 3
    2020-09-01 $77,500 (-69.7%) $112,500 (-56.0%) 0.00 3
    2020-10-01 $77,500 (-62.1%) $77,500 (-69.5%) 0.00 1
    2020-11-01 $77,500 (-21.7%) $77,500 (-65.1%) 0.00 1
    2020-12-01 $77,500 (-21.7%) $77,500 (-64.5%) 0.00 1
    2021-01-01 $91,250 (-7.8%) $91,250 (-58.1%) 0.00 0
    2021-02-01 $350,000 (219.7%) $350,000 (96.6%) 0.00 1
    2021-03-01 $350,000 (251.8%) $350,000 (116.8%) 0.00 1
    2021-04-01 $340,000 (255.1%) $340,000 (123.5%) 0.00 1
    2021-05-01 $275,000 (207.3%) $275,000 (185.4%) 0.00 1
    2021-06-01 $169,000 (91.5%) $186,733 (98.9%) 0.00 3
    2021-07-01 $122,000 (41.5%) $148,500 (63.1%) 0.00 3
    2021-08-01 $69,000 (-9.5%) $137,667 (80.6%) 0.00 3
    2021-09-01 $275,000 (254.8%) $275,000 (144.4%) 0.00 1
    2021-10-01 $310,000 (300.0%) $352,000 (354.2%) 0.00 3
    2021-11-01 $261,250 (237.1%) $297,917 (284.4%) 0.00 6
    2021-12-01 $275,000 (254.8%) $312,000 (302.6%) 0.00 5
    2022-01-01 $325,000 (256.2%) $335,000 (267.1%) 0.00 4
    2022-02-01 $268,750 (-23.2%) $315,875 (-9.8%) 0.00 4
    2022-03-01 $270,875 (-22.6%) $325,563 (-7.0%) 0.00 4
    2022-04-01 $255,750 (-24.8%) $262,875 (-22.7%) 0.00 4
    2022-05-01 $235,000 (-14.6%) $204,225 (-25.7%) 0.00 4
    2022-06-01 $233,750 (38.3%) $230,025 (23.2%) 0.00 4
    2022-07-01 $250,000 (104.9%) $263,571 (77.5%) 0.00 3
    2022-08-01 $248,750 (260.5%) $344,841 (150.5%) 0.00 14
    2022-09-01 $270,000 (-1.8%) $371,033 (34.9%) 0.00 14
    2022-10-01 $248,000 (-20.0%) $335,281 (-4.8%) 0.00 19
    2022-11-01 $245,750 (-5.9%) $297,456 (-0.2%) 0.00 17
    2022-12-01 $225,000 (-18.2%) $279,250 (-10.5%) 0.00 17
    2023-01-01 $200,500 (-38.3%) $255,844 (-23.6%) 0.00 20
    2023-02-01 $215,000 (-20.0%) $266,648 (-15.6%) 0.00 22
    2023-03-01 $213,750 (-21.1%) $258,710 (-20.5%) 0.00 24
    2023-04-01 $215,000 (-15.9%) $256,529 (-2.4%) 0.00 30
    2023-05-01 $212,500 (-9.6%) $254,098 (24.4%) 0.00 32
    2023-06-01 $215,000 (-8.0%) $255,540 (11.1%) 0.00 29
    2023-07-01 $215,000 (-14.0%) $263,362 (-0.1%) 0.00 25
    2023-08-01 $220,000 (-11.6%) $255,577 (-25.9%) 0.00 32
    2023-09-01 $235,000 (-13.0%) $258,267 (-30.4%) 0.00 36
    2023-10-01 $235,000 (-5.2%) $244,172 (-27.2%) 0.00 45
    2023-11-01 $220,000 (-10.5%) $228,002 (-23.4%) 0.00 51
    2023-12-01 $225,000 (0.0%) $233,106 (-16.5%) 0.00 46
    2024-01-01 $225,000 (12.2%) $230,571 (-9.9%) 0.00 43
    2024-02-01 $225,000 (4.7%) $244,156 (-8.4%) 0.00 40
    2024-03-01 $235,000 (9.9%) $259,909 (0.5%) 0.00 42
    2024-04-01 $227,500 (5.8%) $272,827 (6.4%) 0.00 34
    2024-05-01 $245,000 (15.3%) $285,750 (12.5%) 0.00 37
    2024-06-01 $245,000 (14.0%) $286,743 (12.2%) 0.00 37
    2024-07-01 $246,000 (14.4%) $286,227 (8.7%) 0.00 36
    2024-08-01 $249,000 (13.2%) $286,568 (12.1%) 0.00 42
    2024-09-01 $246,000 (4.7%) $275,132 (6.5%) 0.00 57
    2024-10-01 $244,000 (3.8%) $268,534 (10.0%) 0.00 59
    2024-11-01 $244,500 (11.1%) $260,928 (14.4%) 0.00 52
    Guymon's median listing price for 2024-11-01 was $244,500, a difference of $24,500 (11.1%) versus the prior year and $500 versus the prior month.

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

    Guymon's average listing price for 2024-11-01 was $260,928, a difference of $32,926 (14.4%) versus the prior year and $-7,606 versus the prior month.

    For the 2024-11-01 period, Guymon had 52 MLS listings, a difference of -7 listings (-12%) versus the prior month and 1 listings (2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Guymon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,557 sqft
    2018-02-01 0 days 1,461 sqft
    2018-03-01 0 days 1,553 sqft
    2018-04-01 0 days 1,553 sqft
    2018-05-01 0 days 2,242 sqft
    2018-06-01 0 days 1,324 sqft
    2018-07-01 0 days 980 sqft
    2018-08-01 0 days 1,840 sqft
    2018-09-01 0 days 1,539 sqft
    2018-10-01 0 days 1,183 sqft
    2018-11-01 0 days 1,183 sqft
    2018-12-01 0 days 1,183 sqft
    2019-01-01 0 days 1,183 sqft
    2019-02-01 0 days 1,183 sqft
    2019-03-01 0 days 1,334 sqft
    2019-04-01 0 days 1,274 sqft
    2019-05-01 0 days 1,194 sqft
    2019-06-01 0 days 1,344 sqft
    2019-07-01 0 days 2,230 sqft
    2019-08-01 0 days 2,685 sqft
    2019-09-01 0 days 3,369 sqft
    2019-10-01 0 days 3,192 sqft
    2019-11-01 0 days 2,636 sqft
    2019-12-01 0 days 2,000 sqft
    2020-01-01 0 days 2,000 sqft
    2020-02-01 0 days 1,712 sqft
    2020-03-01 0 days 1,626 sqft
    2020-04-01 0 days 1,699 sqft
    2020-05-01 0 days 1,753 sqft
    2020-06-01 0 days 1,753 sqft
    2020-07-01 0 days 1,753 sqft
    2020-08-01 0 days 1,853 sqft
    2020-09-01 0 days 1,874 sqft
    2020-10-01 0 days 1,705 sqft
    2020-11-01 0 days 1,705 sqft
    2020-12-01 0 days 1,705 sqft
    2021-01-01 0 days 1,693 sqft
    2021-02-01 0 days 3,990 sqft
    2021-03-01 0 days 3,990 sqft
    2021-04-01 0 days 3,990 sqft
    2021-05-01 0 days 2,774 sqft
    2021-06-01 0 days 2,081 sqft
    2021-07-01 0 days 1,794 sqft
    2021-08-01 0 days 1,794 sqft
    2021-09-01 0 days 2,320 sqft
    2021-10-01 0 days 2,320 sqft
    2021-11-01 0 days 2,330 sqft
    2021-12-01 0 days 2,313 sqft
    2022-01-01 0 days 2,305 sqft
    2022-02-01 0 days 3,049 sqft
    2022-03-01 0 days 3,049 sqft
    2022-04-01 0 days 2,804 sqft
    2022-05-01 0 days 2,263 sqft
    2022-06-01 0 days 2,264 sqft
    2022-07-01 0 days 2,264 sqft
    2022-08-01 0 days 2,118 sqft
    2022-09-01 0 days 2,463 sqft
    2022-10-01 0 days 2,074 sqft
    2022-11-01 0 days 2,132 sqft
    2022-12-01 0 days 1,820 sqft
    2023-01-01 0 days 1,799 sqft
    2023-02-01 0 days 1,843 sqft
    2023-03-01 0 days 1,918 sqft
    2023-04-01 0 days 1,970 sqft
    2023-05-01 0 days 1,883 sqft
    2023-06-01 0 days 1,858 sqft
    2023-07-01 0 days 1,880 sqft
    2023-08-01 0 days 1,657 sqft
    2023-09-01 0 days 1,648 sqft
    2023-10-01 0 days 1,580 sqft
    2023-11-01 0 days 1,566 sqft
    2023-12-01 0 days 1,568 sqft
    2024-01-01 0 days 1,568 sqft
    2024-02-01 0 days 1,659 sqft
    2024-03-01 0 days 1,790 sqft
    2024-04-01 0 days 1,905 sqft
    2024-05-01 0 days 1,958 sqft
    2024-06-01 0 days 1,872 sqft
    2024-07-01 0 days 1,968 sqft
    2024-08-01 0 days 1,832 sqft
    2024-09-01 0 days 1,820 sqft
    2024-10-01 0 days 1,831 sqft
    2024-11-01 0 days 1,872 sqft
    Guymon's median listing age (time on market) for 2024-11-01 was 0 days.

    Guymon's median square footage for active listings during the 2024-11-01 period was 1,872 sqft. One year prior, the average listing was 1,566 sqft.