Dodge City Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Dodge City averaged 6.83% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

The average rate for the prior week (2023-09-14) was 6.72% and one month ago for the week of 2023-08-17, the average rate was 6.93%.

Dodge City's average rate one year ago was 5.46%.

For refis of the same type during the week of 2023-09-21, the average rate was 7.29%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-21 7.19%
Dodge City 30 Year Fixed Rate 2023-09-21 6.83%
Dodge City 30 Year Fixed Rate Refi 2023-09-21 7.29%
Dodge City 15 Year Fixed Rate 2023-09-21 6.54%
Dodge City 15 Year Fixed Rate Refi 2023-09-21 7.04%
Dodge City 30 Year FHA 2023-09-21 7.24%
Dodge City 30 Year FHA Refi 2023-09-21 7.24%
Dodge City 30 Year USDA 2023-09-21 7.02%
Dodge City 30 Year USDA Refi 2023-09-21 7.02%
Dodge City 30 Year VA 2023-09-21 6.82%
Dodge City 30 Year VA Refi 2023-09-21 6.92%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Dodge City, KS.

Dodge City 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 Dodge City, KS 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Landmark National Bank 55 4.85% $2,496
Wells Fargo Bank 34 4.75% $2,828
QUICKEN LOANS, LLC 14 5.04% $5,695
GOLDEN PLAINS 8 5.23% $1,445
UNION HOME MORTGAGE CORP. 5 4.95% $3,765
FREEDOM MORTGAGE CORPORATION 5 5.60% $5,237
Bank of the West 5 4.88% $3,575
Sunflower Bank 5 4.78% $3,741
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 5.29% $4,208
Gateway First Bank 3 4.83% $2,612
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.44% $3,863
LOANDEPOT.COM, LLC 2 4.31% $4,707
Mortgage Investment Services Corporation 2 6.25% $3,557
SOFI LENDING CORP. 1 3.88% $6,975
The Huntington National Bank 1 5.63% $1,629
UNITED WHOLESALE MORTGAGE, LLC 1 6.50% $1,617
U.S. Bank 1 6.13% $2,270
LIBERTY HOME MORTGAGE CORPORATION 1 5.88% $7,853
Bank of America 1 4.63% $11,749
Carrington Mortgage Services, LLC 1 3.50% $4,908
Colonial Savings, F.A. 1 5.38% $5,067
Commerce Bank 1 4.25% $2,454
Deere Employees Credit Union 1 4.99% $2,347
FLAT BRANCH MORTGAGE, INC. 1 5.38% $3,044
GUARANTEED RATE, INC. 1 5.75% $5,402
LAKEVIEW LOAN SERVICING, LLC 1 3.50% $5,744
LEADERONE FINANCIAL CORPORATION 1 4.63% $2,477
21ST MORTGAGE CORPORATION 1 6.75% $6,223
NFM, INC. 1 5.63% $5,277
ROYAL UNITED MORTGAGE LLC 1 6.63% $7,381

Dodge City Average Closing Costs & Other Stats

Dodge City, KS's 30 lenders originated 373 loans during 2022. The total origination value was $64,655,000, with an average loan value of $173,338.

Dodge City's average closing costs are $3,553.

The top Dodge City lender as defined by loan originations is Landmark National Bank, with 55 loans originated. Their average total fees are $2,496, which is $332 lower than the next largest lender, Wells Fargo Bank.

The lowest fee Dodge City lenders (with over 10 loans originated) are Landmark National Bank ($2,496), Wells Fargo Bank ($2,828), QUICKEN LOANS, LLC ($5,695), .

The lowest rate Dodge City lenders (with over 10 loans originated) are Wells Fargo Bank (4.75%), Landmark National Bank (4.85%), QUICKEN LOANS, LLC (5.04%), .

Dodge City, KS 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Landmark National Bank $30,440,000 $22,135,000 -27.3% 34.2%
Wells Fargo Bank $7,910,000 $8,160,000 3.2% 12.6%
QUICKEN LOANS, LLC $8,570,000 $6,115,000 -28.6% 9.5%
GOLDEN PLAINS $6,070,000 $2,550,000 -58.0% 3.9%
Gateway First Bank $1,005,000 $2,070,000 106.0% 3.2%
Midwest Bank $1,885,000 n/a 2.9%
Sunflower Bank $5,110,000 $1,705,000 -66.6% 2.6%
GUARANTEED RATE, INC. $1,420,000 $1,550,000 9.2% 2.4%
FREEDOM MORTGAGE CORPORATION $1,885,000 $1,460,000 -22.5% 2.3%
UNION HOME MORTGAGE CORP. $2,700,000 $1,390,000 -48.5% 2.1%
Mortgage Investment Services Corporation $2,695,000 $1,325,000 -50.8% 2.0%
Bank of the West $1,755,000 $1,230,000 -29.9% 1.9%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,080,000 $1,160,000 7.4% 1.8%
Members Mortgage Services, L.L.C. $1,065,000 $1,115,000 4.7% 1.7%
Mortgage Research Center, LLC $660,000 $1,080,000 63.6% 1.7%
LOANDEPOT.COM, LLC $580,000 $1,005,000 73.3% 1.6%
Bank of America $515,000 $655,000 27.2% 1.0%
FLAT BRANCH MORTGAGE, INC. $555,000 n/a 0.9%
BROKER SOLUTIONS, INC. $500,000 $470,000 -6.0% 0.7%
NEW DAY FINANCIAL, LLC $155,000 $470,000 203.2% 0.7%
U.S. Bank $1,125,000 $430,000 -61.8% 0.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY $400,000 n/a 0.6%
UNITED WHOLESALE MORTGAGE, LLC $760,000 $400,000 -47.4% 0.6%
LIMA ONE CAPITAL, LLC $360,000 n/a 0.6%
Mr. Cooper ( Nationstar Mortgage ) $735,000 $280,000 -61.9% 0.4%
PNC Bank $280,000 n/a 0.4%
Colonial Savings, F.A. $155,000 $275,000 77.4% 0.4%
AMERICAN FINANCING CORPORATION $270,000 n/a 0.4%
Deere Employees Credit Union $255,000 n/a 0.4%
AMERISAVE MORTGAGE CORPORATION $835,000 $245,000 -70.7% 0.4%
Flagstar Bank, FSB $245,000 n/a 0.4%
GNBank $555,000 $240,000 -56.8% 0.4%
SOFI LENDING CORP. $235,000 n/a 0.4%
LEADERONE FINANCIAL CORPORATION $755,000 $230,000 -69.5% 0.4%
EMBRACE HOME LOANS, INC. $185,000 n/a 0.3%
Peoples Bank $185,000 n/a 0.3%
Commerce Bank $175,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $1,365,000 $170,000 -87.5% 0.3%
LIBERTY HOME MORTGAGE CORPORATION $165,000 n/a 0.3%
21ST MORTGAGE CORPORATION $140,000 $155,000 10.7% 0.2%
CALIBER HOME LOANS, INC. $365,000 $155,000 -57.5% 0.2%
GERSHMAN INVESTMENT CORP. $155,000 n/a 0.2%
NEWREZ LLC $235,000 $155,000 -34.0% 0.2%
LAKEVIEW LOAN SERVICING, LLC $240,000 $135,000 -43.8% 0.2%
NFM, INC. $135,000 n/a 0.2%
JPMorgan Chase Bank $500,000 $105,000 -79.0% 0.2%
The Huntington National Bank $105,000 n/a 0.2%
PHH Mortgage Corporation $95,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $95,000 n/a 0.1%
Carrington Mortgage Services, LLC $220,000 $85,000 -61.4% 0.1%
Discover Bank $85,000 $85,000 0.0% 0.1%
United Fidelity Funding Corp. $95,000 $85,000 -10.5% 0.1%

Dodge City's top lender by overall market share is Landmark National Bank, with 34.2% market share. In second place, with 12.6%, is Wells Fargo Bank, having originated $8,160,000 in loans. In third place, with 9.5%, is QUICKEN LOANS, LLC, having originated $6,115,000 in loans. In fourth place, with 3.9%, is GOLDEN PLAINS, having originated $2,550,000 in loans. In fifth place, with 3.2%, is Gateway First Bank, having originated $2,070,000 in loans.


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

Realtor.com - Dodge City (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 $141,225 (-5.8%) $159,133 (-6.3%) 0.00 69
2018-02-01 $145,000 (-10.6%) $166,048 (-7.3%) 0.00 79
2018-03-01 $149,900 (-7.8%) $174,922 (-3.2%) 0.00 75
2018-04-01 $149,950 (-1.7%) $177,772 (3.7%) 0.00 83
2018-05-01 $152,225 (-2.7%) $178,087 (1.1%) 0.00 89
2018-06-01 $152,000 (-7.1%) $176,032 (-1.2%) 0.00 87
2018-07-01 $163,675 (2.4%) $179,295 (0.5%) 0.00 81
2018-08-01 $167,975 (6.8%) $179,559 (1.5%) 0.00 76
2018-09-01 $156,789 (4.9%) $173,953 (-0.3%) 0.00 77
2018-10-01 $154,800 (2.5%) $181,380 (4.8%) 0.00 78
2018-11-01 $154,750 (3.9%) $189,713 (10.0%) 0.00 78
2018-12-01 $159,900 (10.4%) $186,023 (9.1%) 0.00 78
2019-01-01 $149,925 (6.2%) $181,867 (14.3%) 0.00 83
2019-02-01 $154,925 (6.8%) $179,956 (8.4%) 0.00 89
2019-03-01 $156,021 (4.1%) $175,596 (0.4%) 0.00 86
2019-04-01 $159,675 (6.5%) $177,533 (-0.1%) 0.00 86
2019-05-01 $161,200 (5.9%) $181,739 (2.1%) 0.00 91
2019-06-01 $159,450 (4.9%) $179,509 (2.0%) 0.00 99
2019-07-01 $158,000 (-3.5%) $178,835 (-0.3%) 0.00 107
2019-08-01 $158,464 (-5.7%) $180,908 (0.8%) 0.00 104
2019-09-01 $159,159 (1.5%) $182,413 (4.9%) 0.00 100
2019-10-01 $159,523 (3.1%) $181,794 (0.2%) 0.00 95
2019-11-01 $153,500 (-0.8%) $177,308 (-6.5%) 0.00 93
2019-12-01 $151,500 (-5.3%) $181,309 (-2.5%) 0.00 81
2020-01-01 $150,450 (0.4%) $170,363 (-6.3%) 0.00 74
2020-02-01 $145,400 (-6.2%) $174,212 (-3.2%) 0.00 66
2020-03-01 $159,500 (2.2%) $186,923 (6.5%) 0.00 48
2020-04-01 $165,625 (3.7%) $190,202 (7.1%) 0.00 43
2020-05-01 $142,450 (-11.6%) $193,546 (6.5%) 0.00 36
2020-06-01 $158,225 (-0.8%) $207,613 (15.7%) 0.00 34
2020-07-01 $150,475 (-4.8%) $208,502 (16.6%) 0.00 32
2020-08-01 $139,900 (-11.7%) $237,719 (31.4%) 0.00 30
2020-09-01 $135,950 (-14.6%) $213,489 (17.0%) 0.00 31
2020-10-01 $156,500 (-1.9%) $217,868 (19.8%) 0.00 27
2020-11-01 $141,225 (-8.0%) $215,267 (21.4%) 0.00 35
2020-12-01 $143,675 (-5.2%) $214,502 (18.3%) 0.00 30
2021-01-01 $154,250 (2.5%) $209,364 (22.9%) 0.00 33
2021-02-01 $142,050 (-2.3%) $210,733 (21.0%) 0.00 27
2021-03-01 $128,125 (-19.7%) $184,211 (-1.5%) 0.00 24
2021-04-01 $138,575 (-16.3%) $195,469 (2.8%) 0.00 22
2021-05-01 $149,500 (5.0%) $238,553 (23.3%) 0.00 15
2021-06-01 $224,450 (41.9%) $259,214 (24.9%) 0.00 13
2021-07-01 $242,000 (60.8%) $248,306 (19.1%) 0.00 16
2021-08-01 $187,450 (34.0%) $241,908 (1.8%) 0.00 19
2021-09-01 $158,550 (16.6%) $237,373 (11.2%) 0.00 15
2021-10-01 $159,900 (2.2%) $218,894 (0.5%) 0.00 16
2021-11-01 $166,250 (17.7%) $212,997 (-1.1%) 0.00 15
2021-12-01 $159,900 (11.3%) $215,547 (0.5%) 0.00 14
2022-01-01 $142,500 (-7.6%) $192,700 (-8.0%) 0.00 16
2022-02-01 $153,225 (7.9%) $198,613 (-5.8%) 0.00 17
2022-03-01 $156,175 (21.9%) $205,187 (11.4%) 0.00 16
2022-04-01 $183,900 (32.7%) $185,159 (-5.3%) 0.00 20
2022-05-01 $250,750 (67.7%) $278,668 (16.8%) 0.00 20
2022-06-01 $303,500 (35.2%) $289,757 (11.8%) 0.00 25
2022-07-01 $279,000 (15.3%) $280,326 (12.9%) 0.00 39
2022-08-01 $314,725 (67.9%) $308,634 (27.6%) 0.00 32
2022-09-01 $283,000 (78.5%) $302,888 (27.6%) 0.00 37
2022-10-01 $260,000 (62.6%) $309,762 (41.5%) 0.00 40
2022-11-01 $282,375 (69.9%) $323,406 (51.8%) 0.00 46
2022-12-01 $285,000 (78.2%) $317,229 (47.2%) 0.00 42
2023-01-01 $279,100 (95.9%) $307,047 (59.3%) 0.00 38
2023-02-01 $286,499 (87.0%) $332,579 (67.5%) 0.00 32
2023-03-01 $312,249 (99.9%) $355,013 (73.0%) 0.00 27
2023-04-01 $297,498 (61.8%) $324,800 (75.4%) 0.00 24
2023-05-01 $266,950 (6.5%) $318,252 (14.2%) 0.00 23
2023-06-01 $287,500 (-5.3%) $320,045 (10.5%) 0.00 32
2023-07-01 $294,750 (5.7%) $335,515 (19.7%) 0.00 32
2023-08-01 $309,000 (-1.8%) $346,752 (12.4%) 0.00 29
Dodge City's median listing price for 2023-08-01 was $309,000, a difference of $-5,725 (-1.8%) versus the prior year and $14,250 versus the prior month.

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

Dodge City's average listing price for 2023-08-01 was $346,752, a difference of $38,118 (12.4%) versus the prior year and $11,237 versus the prior month.

For the 2023-08-01 period, Dodge City had 29 MLS listings, a difference of -3 listings (-9%) versus the prior month and -3 listings (-9%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Dodge City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,471 sqft
2018-02-01 0 days 1,458 sqft
2018-03-01 0 days 1,458 sqft
2018-04-01 0 days 1,445 sqft
2018-05-01 0 days 1,467 sqft
2018-06-01 0 days 1,453 sqft
2018-07-01 0 days 1,454 sqft
2018-08-01 0 days 1,466 sqft
2018-09-01 0 days 1,476 sqft
2018-10-01 0 days 1,471 sqft
2018-11-01 0 days 1,476 sqft
2018-12-01 0 days 1,476 sqft
2019-01-01 0 days 1,472 sqft
2019-02-01 0 days 1,477 sqft
2019-03-01 0 days 1,471 sqft
2019-04-01 0 days 1,480 sqft
2019-05-01 0 days 1,458 sqft
2019-06-01 0 days 1,467 sqft
2019-07-01 0 days 1,431 sqft
2019-08-01 0 days 1,454 sqft
2019-09-01 0 days 1,471 sqft
2019-10-01 0 days 1,462 sqft
2019-11-01 0 days 1,438 sqft
2019-12-01 0 days 1,431 sqft
2020-01-01 0 days 1,437 sqft
2020-02-01 0 days 1,455 sqft
2020-03-01 0 days 1,468 sqft
2020-04-01 0 days 1,413 sqft
2020-05-01 0 days 1,394 sqft
2020-06-01 0 days 1,444 sqft
2020-07-01 0 days 1,414 sqft
2020-08-01 0 days 1,448 sqft
2020-09-01 0 days 1,448 sqft
2020-10-01 0 days 1,520 sqft
2020-11-01 0 days 1,468 sqft
2020-12-01 0 days 1,453 sqft
2021-01-01 0 days 1,458 sqft
2021-02-01 0 days 1,453 sqft
2021-03-01 0 days 1,423 sqft
2021-04-01 0 days 1,374 sqft
2021-05-01 0 days 1,463 sqft
2021-06-01 0 days 1,417 sqft
2021-07-01 0 days 1,732 sqft
2021-08-01 0 days 1,353 sqft
2021-09-01 0 days 1,225 sqft
2021-10-01 0 days 1,458 sqft
2021-11-01 0 days 1,568 sqft
2021-12-01 0 days 1,453 sqft
2022-01-01 0 days 1,256 sqft
2022-02-01 0 days 1,255 sqft
2022-03-01 0 days 1,260 sqft
2022-04-01 0 days 1,289 sqft
2022-05-01 0 days 1,558 sqft
2022-06-01 0 days 1,516 sqft
2022-07-01 0 days 1,524 sqft
2022-08-01 0 days 1,660 sqft
2022-09-01 0 days 1,601 sqft
2022-10-01 0 days 1,572 sqft
2022-11-01 0 days 1,532 sqft
2022-12-01 0 days 1,538 sqft
2023-01-01 0 days 1,562 sqft
2023-02-01 0 days 1,601 sqft
2023-03-01 0 days 1,787 sqft
2023-04-01 0 days 1,735 sqft
2023-05-01 0 days 1,800 sqft
2023-06-01 0 days 1,719 sqft
2023-07-01 0 days 1,612 sqft
2023-08-01 0 days 1,760 sqft
Dodge City's median listing age (time on market) for 2023-08-01 was 0 days.

Dodge City's median square footage for active listings during the 2023-08-01 period was 1,760 sqft. One year prior, the average listing was 1,660 sqft.

Dodge City, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 266 $51,790,000 $194,699
Cash Out Refi 56 $7,900,000 $141,071
Refi 32 $4,080,000 $127,500
Other 10 $550,000 $55,000
Home Improvement 9 $335,000 $37,222

Dodge City's most frequently cited loan purpose was Home Purchase, with 266 originations. The 2nd most popular reason was Cash Out Refi, with 56 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 110 $18,850,000 $171,364
4-5% 91 $15,395,000 $169,176
3-4% 74 $13,200,000 $178,378
6-7% 48 $7,900,000 $164,583
2.5-3% 25 $3,915,000 $156,600
7-8% 10 $1,690,000 $169,000
Over 8% 5 $495,000 $99,000
<2.5% 5 $1,085,000 $217,000

During 2022, Dodge City's most frequently originated rate bucket was 5-6%, with 110 originations.

Loan Sizing (Dodge City, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 171 $25,695,000 $150,263
$200k-400k 111 $28,675,000 $258,333
$100,000 or less 84 $5,420,000 $64,524
$400k-600k 6 $2,980,000 $496,667
$Over $1MM 1 $1,885,000 $1,885,000

Dodge City's loan sizing saw the bucket of loans from $100k-200k with 171 originations, totaling $25,695,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 214 $42,560,000 $198,879
60-80% 102 $15,230,000 $149,314
40-60% 22 $2,750,000 $125,000
20-40% 15 $1,245,000 $83,000
Under 20% 13 $275,000 $21,154
Over 100% 1 $245,000 $245,000

Dodge City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 214 originations, totaling $42,560,000 in origination value.