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 6.4% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

The average rate for the prior week (2024-12-05) was 6.69% and one month ago for the week of 2024-11-07, the average rate was 6.69%.

Dodge City's average rate one year ago was 6.83%.

For refis of the same type during the week of 2024-12-12, the average rate was 6.5%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-12-12 6.6%
Dodge City 30 Year Fixed Rate 2024-12-12 6.4%
Dodge City 30 Year Fixed Rate Refi 2024-12-12 6.5%
Dodge City 15 Year Fixed Rate 2024-12-12 5.64%
Dodge City 15 Year Fixed Rate Refi 2024-12-12 5.84%
Dodge City 30 Year FHA 2024-12-12 6.42%
Dodge City 30 Year FHA Refi 2024-12-12 6.38%
Dodge City 30 Year USDA 2024-12-12 6.2%
Dodge City 30 Year USDA Refi 2024-12-12 6.3%
Dodge City 30 Year VA 2024-12-12 5.98%
Dodge City 30 Year VA Refi 2024-12-12 6.18%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Landmark National Bank 61 6.31% $2,169
QUICKEN LOANS, LLC 9 7.12% $4,981
GOLDEN PLAINS 6 7.13% $1,648
Sunflower Bank 5 7.42% $3,149
GUARANTEED RATE, INC. 5 7.15% $4,898
Wells Fargo Bank 4 5.06% $2,709
Flagstar Bank, FSB 3 6.41% $3,559
BMO Harris Bank 3 7.21% $4,699
UNITED WHOLESALE MORTGAGE, LLC 3 6.66% $2,195
Carrington Mortgage Services, LLC 2 5.88% $6,675
Gateway First Bank 2 6.69% $2,858
Regent Financial Group, Inc. 2 7.68% $5,263
Mortgage Research Center, LLC 2 6.81% $3,379
U.S. Bank 2 7.75% $4,146
Mortgage Investment Services Corporation 2 6.69% $5,427
Commerce Bank 2 6.25% $2,608
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.75% $3,409
UMB Bank 1 5.99% $3,466
LOANDEPOT.COM, LLC 1 7.13% $4,751
Bank of the West 1 6.25% $2,706
BROKER SOLUTIONS, INC. 1 7.63% $6,385
ESB Financial 1 6.75% $1,803
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $2,641
First-Citizens Bank & Trust Company 1 6.60% $2,477
FIRST COLONY MORTGAGE CORPORATION 1 5.38% $4,463
HEARTLAND CREDIT UNION 1 7.00% $3,653
JPMorgan Chase Bank 1 5.88% $2,743
AMERISAVE MORTGAGE CORPORATION 1 6.63% $5,386
Members Mortgage Services, L.L.C. 1 6.13% $2,395
Mr. Cooper ( Nationstar Mortgage ) 1 6.63% $5,945
Northwest Farm Credit Services, FLCA 1 6.60% $4,693
Paramount Residential Mortgage Group, Inc. 1 5.99% $7,301
PENNYMAC LOAN SERVICES, LLC 1 6.63% $3,165
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $3,388
Prosperity Home Mortgage, LLC 1 7.88% $3,274

Dodge City Average Closing Costs & Other Stats

Dodge City, KS's 35 lenders originated 326 loans during 2023. The total origination value was $61,720,000, with an average loan value of $189,325.

Dodge City's average closing costs are $3,782.

The top Dodge City lender as defined by loan originations is Landmark National Bank, with 61 loans originated. Their average total fees are $2,169, which is $2,812 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Dodge City lenders (with over 10 loans originated) are Landmark National Bank ($2,169), .

The lowest rate Dodge City lenders (with over 10 loans originated) are Landmark National Bank (6.31%), .

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Landmark National Bank $22,135,000 $19,355,000 -12.6% 31.4%
QUICKEN LOANS, LLC $6,115,000 $4,105,000 -32.9% 6.7%
GUARANTEED RATE, INC. $1,550,000 $3,785,000 144.2% 6.1%
ORIX REAL ESTATE CAPITAL, LLC $3,055,000 n/a 4.9%
Sunflower Bank $1,705,000 $3,005,000 76.2% 4.9%
Gateway First Bank $2,070,000 $2,705,000 30.7% 4.4%
GOLDEN PLAINS $2,550,000 $2,280,000 -10.6% 3.7%
Mortgage Research Center, LLC $1,080,000 $2,005,000 85.6% 3.2%
Wells Fargo Bank $8,160,000 $1,805,000 -77.9% 2.9%
UNITED WHOLESALE MORTGAGE, LLC $400,000 $1,620,000 305.0% 2.6%
Mortgage Investment Services Corporation $1,325,000 $1,205,000 -9.1% 2.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $400,000 $910,000 127.5% 1.5%
FREEDOM MORTGAGE CORPORATION $1,460,000 $830,000 -43.2% 1.3%
BMO Harris Bank $800,000 n/a 1.3%
UMB Bank $725,000 n/a 1.2%
Flagstar Bank, FSB $245,000 $715,000 191.8% 1.2%
LOANDEPOT.COM, LLC $1,005,000 $715,000 -28.9% 1.2%
Members Mortgage Services, L.L.C. $1,115,000 $590,000 -47.1% 1.0%
Regent Financial Group, Inc. $580,000 n/a 0.9%
Sierra Pacific Mortgage Company, Inc. $550,000 n/a 0.9%
Prosperity Home Mortgage, LLC $540,000 n/a 0.9%
Paramount Residential Mortgage Group, Inc. $520,000 n/a 0.8%
SENTE MORTGAGE, INC. $485,000 n/a 0.8%
Commerce Bank $175,000 $480,000 174.3% 0.8%
U.S. Bank $430,000 $430,000 0.0% 0.7%
USAA Federal Savings Bank $375,000 n/a 0.6%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,160,000 $355,000 -69.4% 0.6%
ESB Financial $350,000 n/a 0.6%
First-Citizens Bank & Trust Company $335,000 n/a 0.5%
NEW DAY FINANCIAL, LLC $470,000 $320,000 -31.9% 0.5%
Bank 7 $315,000 n/a 0.5%
BECKAM FUNDING CORP. $315,000 n/a 0.5%
NAVY FEDERAL CREDIT UNION $305,000 n/a 0.5%
BROKER SOLUTIONS, INC. $470,000 $300,000 -36.2% 0.5%
JPMorgan Chase Bank $105,000 $300,000 185.7% 0.5%
Bank of America $655,000 $290,000 -55.7% 0.5%
NEWREZ LLC $155,000 $285,000 83.9% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $280,000 $275,000 -1.8% 0.4%
Plains Commerce Bank $275,000 n/a 0.4%
Carrington Mortgage Services, LLC $85,000 $250,000 194.1% 0.4%
CHURCHILL MORTGAGE CORPORATION $250,000 n/a 0.4%
HEARTLAND CREDIT UNION $235,000 n/a 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $225,000 n/a 0.4%
FIRST COLONY MORTGAGE CORPORATION $215,000 n/a 0.3%
GERSHMAN INVESTMENT CORP. $155,000 $215,000 38.7% 0.3%
LEADERONE FINANCIAL CORPORATION $230,000 $210,000 -8.7% 0.3%
Northwest Farm Credit Services, FLCA $205,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $170,000 $205,000 20.6% 0.3%
Bank of the West $1,230,000 $200,000 -83.7% 0.3%
LOANPAL, LLC $120,000 n/a 0.2%
Figure Lending LLC $105,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $245,000 $95,000 -61.2% 0.2%
FINANCE OF AMERICA REVERSE LLC $75,000 n/a 0.1%
The Federal Savings Bank $75,000 n/a 0.1%
Discover Bank $85,000 $55,000 -35.3% 0.1%
The Bennington State Bank $55,000 n/a 0.1%
Fidelity Bank $45,000 n/a 0.1%
MidFirst Bank $45,000 n/a 0.1%
CREDIT UNION OF AMERICA $25,000 n/a 0.0%
First Federal Bank of Kansas City $25,000 n/a 0.0%
Great Plains Federal Credit Un $25,000 n/a 0.0%
MID AMERICAN $25,000 n/a 0.0%

Dodge City's top lender by overall market share is Landmark National Bank, with 31.4% market share. In second place, with 6.7%, is QUICKEN LOANS, LLC, having originated $4,105,000 in loans. In third place, with 6.1%, is GUARANTEED RATE, INC., having originated $3,785,000 in loans. In fourth place, with 4.9%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $3,055,000 in loans. In fifth place, with 4.9%, is Sunflower Bank, having originated $3,005,000 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%) $217,960 (27.9%) 0.00 35
2021-02-01 $142,775 (-1.8%) $210,733 (21.0%) 0.00 28
2021-03-01 $128,125 (-19.7%) $212,461 (13.7%) 0.00 25
2021-04-01 $145,725 (-12.0%) $258,644 (36.0%) 0.00 23
2021-05-01 $164,500 (15.5%) $325,500 (68.2%) 0.00 16
2021-06-01 $246,950 (56.1%) $355,267 (71.1%) 0.00 14
2021-07-01 $249,000 (65.5%) $333,700 (60.1%) 0.00 17
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 (-11.6%) 0.00 16
2022-02-01 $153,225 (7.3%) $198,613 (-5.8%) 0.00 17
2022-03-01 $156,175 (21.9%) $205,187 (-3.4%) 0.00 16
2022-04-01 $183,900 (26.2%) $185,159 (-28.4%) 0.00 20
2022-05-01 $250,750 (52.4%) $278,668 (-14.4%) 0.00 20
2022-06-01 $303,500 (22.9%) $289,757 (-18.4%) 0.00 25
2022-07-01 $279,000 (12.1%) $280,326 (-16.0%) 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
2023-09-01 $287,450 (1.6%) $322,482 (6.5%) 0.00 32
2023-10-01 $268,750 (3.4%) $307,268 (-0.8%) 0.00 37
2023-11-01 $258,225 (-8.6%) $290,588 (-10.2%) 0.00 43
2023-12-01 $269,950 (-5.3%) $290,271 (-8.5%) 0.00 39
2024-01-01 $284,925 (2.1%) $314,554 (2.4%) 0.00 38
2024-02-01 $298,725 (4.3%) $317,596 (-4.5%) 0.00 39
2024-03-01 $300,000 (-3.9%) $311,244 (-12.3%) 0.00 45
2024-04-01 $296,750 (-0.3%) $309,326 (-4.8%) 0.00 45
2024-05-01 $266,525 (-0.2%) $297,296 (-6.6%) 0.00 46
2024-06-01 $288,050 (0.2%) $292,660 (-8.6%) 0.00 50
2024-07-01 $296,000 (0.4%) $304,728 (-9.2%) 0.00 54
2024-08-01 $297,300 (-3.8%) $300,711 (-13.3%) 0.00 57
2024-09-01 $289,850 (0.8%) $291,799 (-9.5%) 0.00 61
2024-10-01 $292,500 (8.8%) $300,587 (-2.2%) 0.00 57
2024-11-01 $287,300 (11.3%) $298,179 (2.6%) 0.00 64
Dodge City's median listing price for 2024-11-01 was $287,300, a difference of $29,075 (11.3%) versus the prior year and $-5,200 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 2024-11-01 was $298,179, a difference of $7,591 (2.6%) versus the prior year and $-2,408 versus the prior month.

For the 2024-11-01 period, Dodge City had 64 MLS listings, a difference of 7 listings (12%) versus the prior month and 21 listings (49%) 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 1,458 sqft
2018-02-01 0 days 1,457 sqft
2018-03-01 0 days 1,457 sqft
2018-04-01 0 days 1,432 sqft
2018-05-01 0 days 1,458 sqft
2018-06-01 0 days 1,448 sqft
2018-07-01 0 days 1,450 sqft
2018-08-01 0 days 1,459 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 1,484 sqft
2020-11-01 0 days 1,468 sqft
2020-12-01 0 days 1,453 sqft
2021-01-01 0 days 1,465 sqft
2021-02-01 0 days 1,458 sqft
2021-03-01 0 days 1,431 sqft
2021-04-01 0 days 1,403 sqft
2021-05-01 0 days 1,468 sqft
2021-06-01 0 days 1,534 sqft
2021-07-01 0 days 1,921 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 1,237 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
2023-09-01 0 days 1,491 sqft
2023-10-01 0 days 1,458 sqft
2023-11-01 0 days 1,484 sqft
2023-12-01 0 days 1,504 sqft
2024-01-01 0 days 1,511 sqft
2024-02-01 0 days 1,640 sqft
2024-03-01 0 days 1,572 sqft
2024-04-01 0 days 1,561 sqft
2024-05-01 0 days 1,538 sqft
2024-06-01 0 days 1,508 sqft
2024-07-01 0 days 1,571 sqft
2024-08-01 0 days 1,473 sqft
2024-09-01 0 days 1,461 sqft
2024-10-01 0 days 1,529 sqft
2024-11-01 0 days 1,452 sqft
Dodge City's median listing age (time on market) for 2024-11-01 was 0 days.

Dodge City's median square footage for active listings during the 2024-11-01 period was 1,452 sqft. One year prior, the average listing was 1,484 sqft.

Dodge City, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 235 $48,515,000 $206,447
Cash Out Refi 45 $5,955,000 $132,333
Other 26 $1,790,000 $68,846
Refi 13 $4,945,000 $380,385
Home Improvement 7 $515,000 $73,571

Dodge City's most frequently cited loan purpose was Home Purchase, with 235 originations. The 2nd most popular reason was Cash Out Refi, with 45 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 154 $29,990,000 $194,740
7-8% 80 $14,350,000 $179,375
5-6% 59 $10,975,000 $186,017
Over 8% 20 $1,580,000 $79,000
4-5% 6 $1,090,000 $181,667
<2.5% 2 $3,080,000 $1,540,000
3-4% 2 $150,000 $75,000

During 2023, Dodge City's most frequently originated rate bucket was 6-7%, with 154 originations.

Loan Sizing (Dodge City, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 132 $20,530,000 $155,530
$200k-400k 130 $33,640,000 $258,769
$100,000 or less 60 $3,180,000 $53,000
$400k-600k 3 $1,315,000 $438,333
$Over $1MM 1 $3,055,000 $3,055,000

Dodge City's loan sizing saw the bucket of loans from $100k-200k with 132 originations, totaling $20,530,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 193 $42,005,000 $217,642
60-80% 70 $11,850,000 $169,286
20-40% 26 $1,500,000 $57,692
40-60% 16 $1,770,000 $110,625
Under 20% 13 $325,000 $25,000
Over 100% 2 $3,360,000 $1,680,000

Dodge City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 193 originations, totaling $42,005,000 in origination value.