Dodge City Mortgage Rates

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

30 Year Fixed Rate mortgages in Dodge City averaged 5.79% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.66% and one month ago for the week of 2022-05-19, the average rate was 5.33%.

Dodge City's average rate one year ago was 3.24%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.72%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Dodge City 30 Year Fixed Rate 2022-06-23 5.79%
Dodge City 30 Year Fixed Rate Refi 2022-06-23 5.72%
Dodge City 15 Year Fixed Rate 2022-06-23 5.91%
Dodge City 15 Year Fixed Rate Refi 2022-06-23 5.31%
Dodge City 30 Year FHA 2022-06-23 -0.23%
Dodge City 30 Year FHA Refi 2022-06-23 0.5%
Dodge City 30 Year USDA 2022-06-23 -0.35%
Dodge City 30 Year USDA Refi 2022-06-23 2.93%
Dodge City 30 Year VA 2022-06-23 -0.06%
Dodge City 30 Year VA Refi 2022-06-23 -0.03%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Landmark National Bank 71 2.98% $1,795
Wells Fargo Bank 30 3.25% $1,895
GOLDEN PLAINS 21 3.07% $1,523
QUICKEN LOANS, LLC 19 3.15% $4,412
Sunflower Bank 11 3.03% $2,473
Mortgage Investment Services Corporation 8 3.58% $2,702
UNION HOME MORTGAGE CORP. 5 3.03% $5,074
U.S. Bank 5 3.38% $2,155
AMERISAVE MORTGAGE CORPORATION 4 2.75% $7,720
HOMESIDE FINANCIAL, LLC 3 3.04% $2,391
Gateway First Bank 3 3.21% $738
JPMorgan Chase Bank 2 3.38% $2,091
Bank of America 2 2.81% $3,914
Bank of the West 2 3.56% $2,959
BETTER MORTGAGE CORPORATION 2 2.88% $1,537
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 3.38% $3,304
GUARANTEED RATE, INC. 2 3.38% $4,055
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.25% $2,430
KANSAS STATE UNIVERSITY Federal Credit Union 1 3.00% $1,526
LAKEVIEW LOAN SERVICING, LLC 1 4.13% $2,696
FREEDOM MORTGAGE CORPORATION 1 2.38% $5,141
LEADERONE FINANCIAL CORPORATION 1 2.88% $1,965
Mid-America Bank 1 3.38% $2,093
First Federal Bank of Kansas City 1 3.13% $2,186
NAVY FEDERAL CREDIT UNION 1 3.88% $4,021
PENNYMAC LOAN SERVICES, LLC 1 3.25% $2,885
Wyndham Capital Mortgage, Inc. 1 3.25% $955
EVERETT FINANCIAL, INC. 1 3.38% $2,121
Regent Financial Group, Inc. 1 3.20% $1,346
Community First National Bank 1 2.99% $3,403
Colonial Savings, F.A. 1 3.63% $2,371
United Fidelity Funding Corp. 1 2.75% $4,454
Chicago Mortgage Solutions LLC 1 2.87% $765
BROKER SOLUTIONS, INC. 1 3.00% $3,392
HEARTLAND CREDIT UNION 1 3.13% $2,330

Dodge City, KS's 35 lenders originated 617 loans during 2021. The total origination value was $92,885,000, with an average loan value of $150,543.

The top Dodge City lender as defined by loan originations is Landmark National Bank, with 71 loans originated. Their average total fees are $1,795, which is $100 lower than the next largest lender, Wells Fargo Bank.

The lowest fee Dodge City lenders (with over 10 loans originated) are GOLDEN PLAINS ($1,523), Landmark National Bank ($1,795), Wells Fargo Bank ($1,895), Sunflower Bank ($2,473) and QUICKEN LOANS, LLC ($4,412).

The lowest rate Dodge City lenders (with over 10 loans originated) are Landmark National Bank (2.98%), Sunflower Bank (3.03%), GOLDEN PLAINS (3.07%), QUICKEN LOANS, LLC (3.15%) and Wells Fargo Bank (3.25%).

Dodge City, KS 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
Landmark National Bank $35,040,000 $30,440,000 -13.1% 32.8%
QUICKEN LOANS, LLC $5,120,000 $8,570,000 67.4% 9.2%
Wells Fargo Bank $6,265,000 $7,910,000 26.3% 8.5%
GOLDEN PLAINS $6,715,000 $6,070,000 -9.6% 6.5%
Sunflower Bank $5,695,000 $5,110,000 -10.3% 5.5%
UNION HOME MORTGAGE CORP. $2,785,000 $2,700,000 -3.1% 2.9%
Mortgage Investment Services Corporation $2,145,000 $2,695,000 25.6% 2.9%
FREEDOM MORTGAGE CORPORATION $1,925,000 $1,885,000 -2.1% 2.0%
Bank of the West $1,540,000 $1,755,000 14.0% 1.9%
GUARANTEED RATE, INC. $1,420,000 n/a 1.5%
PENNYMAC LOAN SERVICES, LLC $300,000 $1,365,000 355.0% 1.5%
U.S. Bank $1,165,000 $1,125,000 -3.4% 1.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $865,000 $1,080,000 24.9% 1.2%
Members Mortgage Services, L.L.C. $725,000 $1,065,000 46.9% 1.1%
Gateway First Bank $1,915,000 $1,005,000 -47.5% 1.1%
AMERISAVE MORTGAGE CORPORATION $415,000 $835,000 101.2% 0.9%
UNITED WHOLESALE MORTGAGE, LLC $545,000 $760,000 39.4% 0.8%
LEADERONE FINANCIAL CORPORATION $1,775,000 $755,000 -57.5% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $420,000 $735,000 75.0% 0.8%
Mortgage Research Center, LLC $1,345,000 $660,000 -50.9% 0.7%
Community First National Bank $520,000 $610,000 17.3% 0.7%
The Bennington State Bank $595,000 n/a 0.6%
LOANDEPOT.COM, LLC $655,000 $580,000 -11.5% 0.6%
GNBank $555,000 n/a 0.6%
HOMESIDE FINANCIAL, LLC $555,000 n/a 0.6%
Bank of America $415,000 $515,000 24.1% 0.6%
BROKER SOLUTIONS, INC. $500,000 n/a 0.5%
JPMorgan Chase Bank $330,000 $500,000 51.5% 0.5%
BETTER MORTGAGE CORPORATION $440,000 n/a 0.5%
COMMUNITY MORTGAGE, LLC $180,000 $430,000 138.9% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $105,000 $425,000 304.8% 0.5%
NAVY FEDERAL CREDIT UNION $410,000 n/a 0.4%
CALIBER HOME LOANS, INC. $365,000 n/a 0.4%
ENDEAVOR CAPITAL, LLC. $360,000 n/a 0.4%
PREMIA MORTGAGE, LLC $305,000 n/a 0.3%
Barrington Bank & Trust Company, N.A. $310,000 $300,000 -3.2% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $295,000 n/a 0.3%
HEARTLAND CREDIT UNION $290,000 n/a 0.3%
NBH Bank $165,000 $285,000 72.7% 0.3%
USAA Federal Savings Bank $435,000 $275,000 -36.8% 0.3%
HOME POINT FINANCIAL CORPORATION $365,000 $270,000 -26.0% 0.3%
SIRVA MORTGAGE, INC. $255,000 n/a 0.3%
Wyndham Capital Mortgage, Inc. $255,000 n/a 0.3%
GUILD MORTGAGE COMPANY $245,000 n/a 0.3%
LAKEVIEW LOAN SERVICING, LLC $240,000 n/a 0.3%
NEWREZ LLC $105,000 $235,000 123.8% 0.3%
TRIAD FINANCIAL SERVICES, INC. $110,000 $235,000 113.6% 0.3%
Carrington Mortgage Services, LLC $220,000 n/a 0.2%
Paramount Residential Mortgage Group, Inc. $220,000 n/a 0.2%
Truist Bank $220,000 n/a 0.2%
CREDIT UNION OF AMERICA $185,000 $210,000 13.5% 0.2%
Fidelity Bank $45,000 $210,000 366.7% 0.2%
EVERETT FINANCIAL, INC. $205,000 n/a 0.2%
First Federal Bank of Kansas City $205,000 n/a 0.2%
Simmons Bank $205,000 n/a 0.2%
Chicago Mortgage Solutions LLC $190,000 n/a 0.2%
CMG MORTGAGE, INC. $700,000 $185,000 -73.6% 0.2%
Regent Financial Group, Inc. $95,000 $185,000 94.7% 0.2%
Central National Bank $215,000 $175,000 -18.6% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $155,000 n/a 0.2%
Colonial Savings, F.A. $155,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $125,000 $155,000 24.0% 0.2%
Sierra Pacific Mortgage Company, Inc. $85,000 $155,000 82.4% 0.2%
Mid-America Bank $145,000 n/a 0.2%
21ST MORTGAGE CORPORATION $25,000 $140,000 460.0% 0.2%
MORIA DEVELOPMENT, INC. $135,000 n/a 0.1%
TruHome Solutions, LLC $135,000 n/a 0.1%
Bank of the Flint Hills $125,000 n/a 0.1%
Citibank $125,000 n/a 0.1%
NORTHERN MORTGAGE SERVICES, LLC $125,000 n/a 0.1%
KANSAS STATE UNIVERSITY Federal Credit Union $115,000 n/a 0.1%
TBK BANK, SSB $115,000 n/a 0.1%
The Halstead Bank $105,000 n/a 0.1%
United Fidelity Funding Corp. $95,000 n/a 0.1%
Discover Bank $85,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $65,000 n/a 0.1%
AMERICAN ADVISORS GROUP $115,000 $35,000 -69.6% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

Dodge City's top lender by overall market share is Landmark National Bank, with 32.8% market share. In second place, with 9.2%, is QUICKEN LOANS, LLC, having originated $8,570,000 in loans. In third place, with 8.5%, is Wells Fargo Bank, having originated $7,910,000 in loans. In third place, with 6.5%, is GOLDEN PLAINS, having originated $6,070,000 in loans. In third place, with 5.5%, is Sunflower Bank, having originated $5,110,000 in loans.


Dodge City, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 333 $54,625,000 $164,039
Refi 178 $24,760,000 $139,101
Cash Out Refi 94 $12,800,000 $136,170
Home Improvement 9 $595,000 $66,111
Other 3 $105,000 $35,000

Dodge City's most frequently cited loan purpose was Home Purchase, with 333 originations. The 2nd most popular reason was Refi, with 178 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 266 $42,070,000 $158,158
3-4% 180 $27,900,000 $155,000
<2.5% 133 $18,335,000 $137,857
5-6% 16 $1,510,000 $94,375
4-5% 13 $1,535,000 $118,077
6-7% 2 $140,000 $70,000
Over 8% 1 $25,000 $25,000

During 2021, Dodge City's most frequently originated rate bucket was 2.5-3%, with 266 originations.

Loan Sizing (Dodge City, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 349 $51,575,000 $147,779
$100,000 or less 146 $10,300,000 $70,548
$200k-400k 119 $29,295,000 $246,176
$400k-600k 2 $1,030,000 $515,000
$600k-1000k 1 $685,000 $685,000

Dodge City's loan sizing saw the bucket of loans from $100k-200k with 349 originations, totaling $51,575,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 327 $54,075,000 $165,367
60-80% 166 $23,900,000 $143,976
40-60% 66 $7,790,000 $118,030
20-40% 18 $1,140,000 $63,333
Over 100% 7 $1,465,000 $209,286
Under 20% 7 $185,000 $26,429

Dodge City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 327 originations, totaling $54,075,000 in origination value.


Market Conditions (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 $144,900 (-3.3%) $159,616 (-5.9%) 0.00 71
2018-02-01 $147,000 (-10.6%) $167,116 (-6.7%) 0.00 80
2018-03-01 $149,900 (-10.2%) $176,963 (-2.4%) 0.00 77
2018-04-01 $151,000 (-2.6%) $178,058 (4.4%) 0.00 85
2018-05-01 $154,950 (-0.9%) $178,729 (1.7%) 0.00 90
2018-06-01 $154,900 (-4.3%) $176,579 (-0.3%) 0.00 89
2018-07-01 $164,950 (3.7%) $179,946 (1.2%) 0.00 81
2018-08-01 $167,000 (7.1%) $180,110 (2.0%) 0.00 77
2018-09-01 $154,900 (4.0%) $173,229 (-0.3%) 0.00 77
2018-10-01 $154,700 (3.5%) $179,955 (4.3%) 0.00 78
2018-11-01 $157,450 (5.7%) $188,901 (9.7%) 0.00 80
2018-12-01 $159,900 (10.4%) $186,649 (9.2%) 0.00 81
2019-01-01 $149,950 (3.5%) $182,421 (14.3%) 0.00 84
2019-02-01 $155,000 (5.4%) $179,893 (7.7%) 0.00 89
2019-03-01 $156,714 (4.6%) $176,373 (-0.3%) 0.00 85
2019-04-01 $159,450 (5.6%) $177,514 (-0.3%) 0.00 85
2019-05-01 $160,950 (3.9%) $181,035 (1.3%) 0.00 92
2019-06-01 $159,900 (3.2%) $179,439 (1.6%) 0.00 100
2019-07-01 $158,500 (-3.9%) $178,682 (-0.7%) 0.00 108
2019-08-01 $160,000 (-4.2%) $181,377 (0.7%) 0.00 104
2019-09-01 $161,750 (4.4%) $181,737 (4.9%) 0.00 96
2019-10-01 $159,900 (3.4%) $181,763 (1.0%) 0.00 96
2019-11-01 $155,000 (-1.6%) $177,199 (-6.2%) 0.00 94
2019-12-01 $153,250 (-4.2%) $181,082 (-3.0%) 0.00 82
2020-01-01 $150,950 (0.7%) $170,256 (-6.7%) 0.00 75
2020-02-01 $145,900 (-5.9%) $174,049 (-3.3%) 0.00 65
2020-03-01 $162,000 (3.4%) $187,298 (6.2%) 0.00 48
2020-04-01 $163,500 (2.5%) $189,752 (6.9%) 0.00 43
2020-05-01 $145,000 (-9.9%) $192,716 (6.5%) 0.00 37
2020-06-01 $159,700 (-0.1%) $206,253 (14.9%) 0.00 34
2020-07-01 $154,000 (-2.8%) $206,592 (15.6%) 0.00 32
2020-08-01 $139,900 (-12.6%) $234,915 (29.5%) 0.00 31
2020-09-01 $139,900 (-13.5%) $211,798 (16.5%) 0.00 31
2020-10-01 $159,000 (-0.6%) $216,514 (19.1%) 0.00 28
2020-11-01 $146,450 (-5.5%) $214,463 (21.0%) 0.00 34
2020-12-01 $144,900 (-5.5%) $214,898 (18.7%) 0.00 30
2021-01-01 $159,000 (5.3%) $218,377 (28.3%) 0.00 35
2021-02-01 $151,950 (4.2%) $205,605 (18.1%) 0.00 28
2021-03-01 $129,000 (-20.4%) $205,264 (9.6%) 0.00 24
2021-04-01 $151,950 (-7.1%) $250,970 (32.3%) 0.00 22
2021-05-01 $162,000 (11.7%) $313,307 (62.6%) 0.00 16
2021-06-01 $201,950 (26.5%) $343,073 (66.3%) 0.00 14
2021-07-01 $259,000 (68.2%) $339,161 (64.2%) 0.00 18
2021-08-01 $187,450 (34.0%) $238,424 (1.5%) 0.00 20
2021-09-01 $160,950 (15.1%) $232,671 (9.9%) 0.00 16
2021-10-01 $162,000 (1.9%) $215,547 (-0.5%) 0.00 17
2021-11-01 $162,000 (10.6%) $211,968 (-1.2%) 0.00 16
2021-12-01 $160,000 (10.4%) $211,847 (-1.4%) 0.00 14
2022-01-01 $145,000 (-8.8%) $191,084 (-12.5%) 0.00 17
2022-02-01 $159,450 (4.9%) $196,784 (-4.3%) 0.00 18
2022-03-01 $162,000 (25.6%) $202,567 (-1.3%) 0.00 16
2022-04-01 $183,900 (21.0%) $183,872 (-26.7%) 0.00 21
2022-05-01 $237,500 (46.6%) $271,274 (-13.4%) 0.00 21
Dodge City's median listing price for 2022-05-01 was $237,500, a difference of $75,500 (46.6%) versus the prior year and $53,600 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 2022-05-01 was $271,274, a difference of $-42,033 (-13.4%) versus the prior year and $87,402 versus the prior month.

For the 2022-05-01 period, Dodge City had 21 MLS listings, a difference of 0 listings (0%) versus the prior month and 5 listings (31%) 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 1,499 sqft
2018-02-01 0 days 1,484 sqft
2018-03-01 0 days 1,499 sqft
2018-04-01 0 days 1,475 sqft
2018-05-01 0 days 1,467 sqft
2018-06-01 0 days 1,458 sqft
2018-07-01 0 days 1,456 sqft
2018-08-01 0 days 1,466 sqft
2018-09-01 0 days 1,504 sqft
2018-10-01 0 days 1,504 sqft
2018-11-01 0 days 1,504 sqft
2018-12-01 0 days 1,488 sqft
2019-01-01 0 days 1,488 sqft
2019-02-01 0 days 1,496 sqft
2019-03-01 0 days 1,483 sqft
2019-04-01 0 days 1,492 sqft
2019-05-01 0 days 1,455 sqft
2019-06-01 0 days 1,455 sqft
2019-07-01 0 days 1,431 sqft
2019-08-01 0 days 1,442 sqft
2019-09-01 0 days 1,443 sqft
2019-10-01 0 days 1,470 sqft
2019-11-01 0 days 1,439 sqft
2019-12-01 0 days 1,431 sqft
2020-01-01 0 days 1,443 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 1,373 sqft
2020-06-01 0 days 1,442 sqft
2020-07-01 0 days 1,410 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 1,448 sqft
2021-01-01 0 days 1,448 sqft
2021-02-01 0 days 1,447 sqft
2021-03-01 0 days 1,415 sqft
2021-04-01 0 days 1,342 sqft
2021-05-01 0 days 1,463 sqft
2021-06-01 0 days 1,377 sqft
2021-07-01 0 days 1,926 sqft
2021-08-01 0 days 1,353 sqft
2021-09-01 0 days 1,198 sqft
2021-10-01 0 days 1,458 sqft
2021-11-01 0 days 1,541 sqft
2021-12-01 0 days 1,440 sqft
2022-01-01 0 days 1,256 sqft
2022-02-01 0 days 1,241 sqft
2022-03-01 0 days 1,256 sqft
2022-04-01 0 days 1,321 sqft
2022-05-01 0 days 1,461 sqft
Dodge City's median listing age (time on market) for 2022-05-01 was 0 days.

Dodge City's median square footage for active listings during the 2022-05-01 period was 1,461 sqft. One year prior, the average listing was 1,463 sqft.