Dodge City Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Dodge City averaged
6.64%
for the week of 2026-07-23, compared to the national average of
6.58% for the same period.
The average rate for the prior week (2026-07-16) was
6.41% and
one month ago for the week of 2026-06-18, the
average rate was 6.33%.
Dodge City's average rate one year ago was 6.91%.
For refis of the same type during the week of 2026-07-23, the average rate
was 6.48%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-07-23 | 6.58% |
| Dodge City 30 Year Fixed Rate | 2026-07-23 | 6.64% |
| Dodge City 30 Year Fixed Rate Refi | 2026-07-23 | 6.48% |
| Dodge City 15 Year Fixed Rate | 2026-07-23 | 5.76% |
| Dodge City 15 Year Fixed Rate Refi | 2026-07-23 | 6.36% |
| Dodge City 30 Year FHA | 2026-07-23 | 6.2% |
| Dodge City 30 Year FHA Refi | 2026-07-23 | 6.19% |
| Dodge City 30 Year USDA | 2026-07-23 | 6.58% |
| Dodge City 30 Year USDA Refi | 2026-07-23 | 6.18% |
| Dodge City 30 Year VA | 2026-07-23 | 6.44% |
| Dodge City 30 Year VA Refi | 2026-07-23 | 6.44% |
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.).
Dodge City Average Closing Costs & Other Stats
Dodge City, KS's 31 lenders originated 296
loans during 2024. The total origination value was $63,610,000, with an average loan value of
$214,899.
Dodge City's average closing costs are $4,005.
The top Dodge City lender as defined by loan originations is Landmark National Bank, with
44 loans originated. Their average total fees are
$2,456, which is $3,302
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Dodge City lenders (with over 10 loans originated) are
Landmark National Bank ($2,456), QUICKEN LOANS, LLC ($5,759), .
The lowest rate Dodge City lenders (with over 10 loans originated) are
Landmark National Bank (6.45%), QUICKEN LOANS, LLC (6.75%), .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Landmark National Bank | $19,355,000 | $18,990,000 | -1.9% | 29.9% |
| Sunflower Bank | $3,005,000 | $4,400,000 | 46.4% | 6.9% |
| QUICKEN LOANS, LLC | $4,105,000 | $3,895,000 | -5.1% | 6.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $910,000 | $3,390,000 | 272.5% | 5.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,620,000 | $2,815,000 | 73.8% | 4.4% |
| ORIX REAL ESTATE CAPITAL, LLC | $3,055,000 | $2,665,000 | -12.8% | 4.2% |
| GUARANTEED RATE, INC. | $3,785,000 | $2,610,000 | -31.0% | 4.1% |
| CMG MORTGAGE, INC. | $2,245,000 | n/a | 3.5% | |
| GOLDEN PLAINS | $2,280,000 | $1,900,000 | -16.7% | 3.0% |
| Prosperity Home Mortgage, LLC | $540,000 | $1,230,000 | 127.8% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $205,000 | $1,060,000 | 417.1% | 1.7% |
| LOANDEPOT.COM, LLC | $715,000 | $1,035,000 | 44.8% | 1.6% |
| Gateway First Bank | $2,705,000 | $950,000 | -64.9% | 1.5% |
| Members Mortgage Services, L.L.C. | $590,000 | $950,000 | 61.0% | 1.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $925,000 | n/a | 1.5% | |
| Mortgage Research Center, LLC | $2,005,000 | $695,000 | -65.3% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $830,000 | $585,000 | -29.5% | 0.9% |
| Mortgage Investment Services Corporation | $1,205,000 | $565,000 | -53.1% | 0.9% |
| BMO Harris Bank | $800,000 | $545,000 | -31.9% | 0.9% |
| Equity Prime Mortgage LLC | $530,000 | n/a | 0.8% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $355,000 | $480,000 | 35.2% | 0.8% |
| Deere Employees Credit Union | $470,000 | n/a | 0.7% | |
| Farm Credit Mid-America, ACA | $465,000 | n/a | 0.7% | |
| LAKEVIEW LOAN SERVICING, LLC | $465,000 | n/a | 0.7% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $225,000 | $450,000 | 100.0% | 0.7% |
| THE BANK OF KREMLIN | $435,000 | n/a | 0.7% | |
| FLAT BRANCH MORTGAGE, INC. | $425,000 | n/a | 0.7% | |
| The Federal Savings Bank | $75,000 | $385,000 | 413.3% | 0.6% |
| Wells Fargo Bank | $1,805,000 | $380,000 | -78.9% | 0.6% |
| U.S. Bank | $430,000 | $350,000 | -18.6% | 0.6% |
| UNION HOME MORTGAGE CORP. | $335,000 | n/a | 0.5% | |
| NAVY FEDERAL CREDIT UNION | $305,000 | $325,000 | 6.6% | 0.5% |
| GNBank | $305,000 | n/a | 0.5% | |
| Bank of America | $290,000 | $290,000 | 0.0% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $285,000 | n/a | 0.4% | |
| NEW DAY FINANCIAL, LLC | $320,000 | $275,000 | -14.1% | 0.4% |
| Community National Bank & Trust | $255,000 | n/a | 0.4% | |
| Paramount Residential Mortgage Group, Inc. | $520,000 | $255,000 | -51.0% | 0.4% |
| GUILD MORTGAGE COMPANY | $235,000 | n/a | 0.4% | |
| Arvest Bank | $225,000 | n/a | 0.4% | |
| Prosperity Bank | $225,000 | n/a | 0.4% | |
| UMB Bank | $725,000 | $225,000 | -69.0% | 0.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $215,000 | n/a | 0.3% | |
| GERSHMAN INVESTMENT CORP. | $215,000 | $215,000 | 0.0% | 0.3% |
| TIB The Independent Bankersbank | $215,000 | n/a | 0.3% | |
| ESB Financial | $350,000 | $210,000 | -40.0% | 0.3% |
| USAA Federal Savings Bank | $375,000 | $210,000 | -44.0% | 0.3% |
| Commerce Bank | $480,000 | $205,000 | -57.3% | 0.3% |
| Envista Credit Union | $205,000 | n/a | 0.3% | |
| TOP FLITE FINANCIAL, INC. | $195,000 | n/a | 0.3% | |
| AMERICAN FINANCING CORPORATION | $175,000 | n/a | 0.3% | |
| AMERISAVE MORTGAGE CORPORATION | $95,000 | $175,000 | 84.2% | 0.3% |
| CARDINAL FINANCIAL | $175,000 | n/a | 0.3% | |
| JPMorgan Chase Bank | $300,000 | $170,000 | -43.3% | 0.3% |
| Discover Bank | $55,000 | $165,000 | 200.0% | 0.3% |
| Flagstar Bank, FSB | $715,000 | $165,000 | -76.9% | 0.3% |
| MERITRUST Federal Credit Union | $165,000 | n/a | 0.3% | |
| TOTAL MORTGAGE SERVICES, LLC | $155,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $250,000 | $135,000 | -46.0% | 0.2% |
| M&T Bank | $135,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $135,000 | n/a | 0.2% | |
| American Airlines Federal Credit Union | $85,000 | n/a | 0.1% | |
| Equity Bank | $75,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $210,000 | $75,000 | -64.3% | 0.1% |
| Fidelity Bank | $45,000 | $65,000 | 44.4% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $275,000 | $65,000 | -76.4% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $45,000 | n/a | 0.1% | |
| Coastal Community Bank | $35,000 | n/a | 0.1% |
Dodge City's top lender by overall market share is Landmark National Bank, with 29.9% market share. In second place, with 6.9%, is Sunflower Bank, having originated $4,400,000 in loans. In third place, with 6.1%, is QUICKEN LOANS, LLC, having originated $3,895,000 in loans. In fourth place, with 5.3%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $3,390,000 in loans. In fifth place, with 4.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,815,000 in loans.
Dodge City, KS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 219 | $50,175,000 | $229,110 |
| Cash Out Refi | 28 | $4,990,000 | $178,214 |
| Refi | 21 | $6,355,000 | $302,619 |
| Other | 19 | $1,315,000 | $69,211 |
| Home Improvement | 9 | $775,000 | $86,111 |
Dodge City's most frequently cited loan purpose was Home Purchase, with 219 originations. The 2nd most popular reason was Cash Out Refi, with 28 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 178 | $41,090,000 | $230,843 |
| 7-8% | 52 | $10,440,000 | $200,769 |
| 5-6% | 41 | $9,225,000 | $225,000 |
| Over 8% | 18 | $1,310,000 | $72,778 |
| 4-5% | 3 | $635,000 | $211,667 |
| <2.5% | 1 | $5,000 | $5,000 |
| 3-4% | 1 | $165,000 | $165,000 |
During 2024, Dodge City's most frequently originated rate bucket was 6-7%, with 178 originations.
Loan Sizing (Dodge City, KS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 146 | $38,250,000 | $261,986 |
| $100k-200k | 93 | $14,755,000 | $158,656 |
| $100,000 or less | 48 | $3,320,000 | $69,167 |
| $400k-600k | 7 | $3,085,000 | $440,714 |
| $Over $1MM | 2 | $4,200,000 | $2,100,000 |
Dodge City's loan sizing saw the bucket of loans from $200k-400k with 146 originations, totaling $38,250,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 186 | $43,930,000 | $236,183 |
| 60-80% | 53 | $10,795,000 | $203,679 |
| 20-40% | 26 | $2,030,000 | $78,077 |
| 40-60% | 17 | $2,185,000 | $128,529 |
| Under 20% | 6 | $210,000 | $35,000 |
| Over 100% | 2 | $2,920,000 | $1,460,000 |
Dodge City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 186 originations, totaling $43,930,000 in origination value.