Dodge City Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Dodge City averaged 7.1% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.68% and one month ago for the week of 2024-03-14, the average rate was 6.74%.

    Dodge City's average rate one year ago was 5.87%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.2%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Dodge City 30 Year Fixed Rate 2024-04-18 7.1%
    Dodge City 30 Year Fixed Rate Refi 2024-04-18 7.2%
    Dodge City 15 Year Fixed Rate 2024-04-18 6.39%
    Dodge City 15 Year Fixed Rate Refi 2024-04-18 6.69%
    Dodge City 30 Year FHA 2024-04-18 6.69%
    Dodge City 30 Year FHA Refi 2024-04-18 6.86%
    Dodge City 30 Year USDA 2024-04-18 6.66%
    Dodge City 30 Year USDA Refi 2024-04-18 7.06%
    Dodge City 30 Year VA 2024-04-18 6.86%
    Dodge City 30 Year VA Refi 2024-04-18 6.66%
    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
    Dodge City's median listing price for 2024-03-01 was $300,000, a difference of $-12,249 (-3.9%) versus the prior year and $1,275 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 2024-03-01 was $311,244, a difference of $-43,769 (-12.3%) versus the prior year and $-6,352 versus the prior month.

    For the 2024-03-01 period, Dodge City had 45 MLS listings, a difference of 6 listings (15%) versus the prior month and 18 listings (67%) 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
    Dodge City's median listing age (time on market) for 2024-03-01 was 0 days.

    Dodge City's median square footage for active listings during the 2024-03-01 period was 1,572 sqft. One year prior, the average listing was 1,787 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.