Dumas 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 Dumas averaged 6.7% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.72% and one month ago for the week of 2025-03-06, the average rate was 6.61%.

    Dumas's average rate one year ago was 7.1%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.12%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Dumas 30 Year Fixed Rate 2025-04-10 6.7%
    Dumas 30 Year Fixed Rate Refi 2025-04-10 7.12%
    Dumas 15 Year Fixed Rate 2025-04-10 5.62%
    Dumas 15 Year Fixed Rate Refi 2025-04-10 5.72%
    Dumas 30 Year FHA 2025-04-10 6.79%
    Dumas 30 Year FHA Refi 2025-04-10 6.63%
    Dumas 30 Year USDA 2025-04-10 6.45%
    Dumas 30 Year USDA Refi 2025-04-10 6.45%
    Dumas 30 Year VA 2025-04-10 6.29%
    Dumas 30 Year VA Refi 2025-04-10 6.19%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Dumas, TX.

    Dumas 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 Dumas, TX 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Amarillo National Bank 13 6.79% $4,660
    HOMETRUST MORTGAGE COMPANY 10 6.61% $6,772
    First United Bank 8 6.54% $5,928
    Centennial Bank 7 6.86% $4,465
    QUICKEN LOANS, LLC 6 6.88% $7,326
    TIB The Independent Bankersbank 6 7.04% $8,142
    Access Community Credit Union 4 7.38% $4,219
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.46% $6,781
    SECURITYNATIONAL MORTGAGE COMPANY 3 6.54% $14,138
    ROYAL UNITED MORTGAGE LLC 3 7.58% $7,216
    Alliance Credit Union 2 6.93% $6,839
    TEXAS TECH 2 6.50% $4,460
    Mr. Cooper ( Nationstar Mortgage ) 2 6.68% $6,479
    UNITED WHOLESALE MORTGAGE, LLC 2 6.63% $9,361
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 9.50% $6,692
    A&D Mortgage LLC 1 9.63% $8,575
    ASSOCIATED MORTGAGE CORPORATION 1 7.00% $9,092
    Carrington Mortgage Services, LLC 1 8.50% $7,997
    CHURCHILL MORTGAGE CORPORATION 1 6.88% $8,881
    Education Credit Union 1 11.00% $1,412
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 7.00% $5,377
    EVERETT FINANCIAL, INC. 1 8.00% $3,901
    First United Bank and Trust Company 1 7.13% $6,913
    Flagstar Bank, FSB 1 6.63% $5,309
    HOMESIDE FINANCIAL, LLC 1 7.00% $3,771
    JPMorgan Chase Bank 1 7.63% $4,229
    PENNYMAC LOAN SERVICES, LLC 1 6.63% $8,139
    SECURITY SERVICE 1 6.13% $7,927

    Dumas Average Closing Costs & Other Stats

    Dumas, TX's 28 lenders originated 251 loans during 2024. The total origination value was $46,345,000, with an average loan value of $184,641.

    Dumas's average closing costs are $6,228.

    The top Dumas lender as defined by loan originations is Amarillo National Bank, with 13 loans originated. Their average total fees are $4,660, which is $2,111 lower than the next largest lender, HOMETRUST MORTGAGE COMPANY.

    The lowest fee Dumas lenders (with over 10 loans originated) are Amarillo National Bank ($4,660), HOMETRUST MORTGAGE COMPANY ($6,772), .

    The lowest rate Dumas lenders (with over 10 loans originated) are HOMETRUST MORTGAGE COMPANY (6.61%), Amarillo National Bank (6.79%), .

    Dumas, TX 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
    HOMETRUST MORTGAGE COMPANY $6,955,000 $8,675,000 24.7% 18.7%
    Amarillo National Bank $3,600,000 $4,125,000 14.6% 8.9%
    SECURITYNATIONAL MORTGAGE COMPANY $605,000 $3,790,000 526.4% 8.2%
    First United Bank $750,000 $2,510,000 234.7% 5.4%
    QUICKEN LOANS, LLC $1,140,000 $2,375,000 108.3% 5.1%
    Centennial Bank $825,000 $1,975,000 139.4% 4.3%
    TIB The Independent Bankersbank $570,000 $1,815,000 218.4% 3.9%
    UNITED WHOLESALE MORTGAGE, LLC $1,070,000 $1,785,000 66.8% 3.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $335,000 $1,735,000 417.9% 3.7%
    GUILD MORTGAGE COMPANY $345,000 $1,510,000 337.7% 3.3%
    Mortgage Research Center, LLC $520,000 $1,510,000 190.4% 3.3%
    NATIONS RELIABLE LENDING, LLC $530,000 $1,255,000 136.8% 2.7%
    21ST MORTGAGE CORPORATION $510,000 $880,000 72.5% 1.9%
    Access Community Credit Union $400,000 $815,000 103.8% 1.8%
    ASSOCIATED MORTGAGE CORPORATION $2,305,000 $780,000 -66.2% 1.7%
    VANDERBILT MORTGAGE AND FINANCE, INC. $150,000 $715,000 376.7% 1.5%
    FREEDOM MORTGAGE CORPORATION $255,000 $675,000 164.7% 1.5%
    AmeriHome Mortgage Company, LLC $385,000 $560,000 45.5% 1.2%
    TEXAS TECH $535,000 $535,000 0.0% 1.2%
    PENNYMAC LOAN SERVICES, LLC $515,000 n/a 1.1%
    Mr. Cooper ( Nationstar Mortgage ) $505,000 n/a 1.1%
    THE MORTGAGE LINK, INC. $495,000 n/a 1.1%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $475,000 n/a 1.0%
    EVERETT FINANCIAL, INC. $1,200,000 $415,000 -65.4% 0.9%
    Pilgrim Bank $390,000 n/a 0.8%
    SECURITY SERVICE $345,000 n/a 0.7%
    ROYAL UNITED MORTGAGE LLC $350,000 $305,000 -12.9% 0.7%
    CHURCHILL MORTGAGE CORPORATION $285,000 n/a 0.6%
    HOMESIDE FINANCIAL, LLC $245,000 n/a 0.5%
    FirstBank Southwest $430,000 $240,000 -44.2% 0.5%
    Alliance Credit Union $200,000 n/a 0.4%
    First United Bank and Trust Company $195,000 n/a 0.4%
    First National Bank Texas $95,000 $185,000 94.7% 0.4%
    LOANPAL, LLC $175,000 $185,000 5.7% 0.4%
    PNC Bank $175,000 n/a 0.4%
    CARDINAL FINANCIAL $1,205,000 $165,000 -86.3% 0.4%
    Flagstar Bank, FSB $85,000 $165,000 94.1% 0.4%
    A&D Mortgage LLC $135,000 n/a 0.3%
    Carrington Mortgage Services, LLC $135,000 n/a 0.3%
    JPMorgan Chase Bank $135,000 n/a 0.3%
    Education Credit Union $125,000 n/a 0.3%
    AMARILLO COMMUNITY $75,000 $110,000 46.7% 0.2%
    Herring Bank $95,000 n/a 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.2%
    LOANDEPOT.COM, LLC $55,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $55,000 n/a 0.1%
    Bank of America $85,000 $45,000 -47.1% 0.1%
    NAVY FEDERAL CREDIT UNION $45,000 n/a 0.1%

    Dumas's top lender by overall market share is HOMETRUST MORTGAGE COMPANY, with 18.7% market share. In second place, with 8.9%, is Amarillo National Bank, having originated $4,125,000 in loans. In third place, with 8.2%, is SECURITYNATIONAL MORTGAGE COMPANY, having originated $3,790,000 in loans. In fourth place, with 5.4%, is First United Bank, having originated $2,510,000 in loans. In fifth place, with 5.1%, is QUICKEN LOANS, LLC, having originated $2,375,000 in loans.

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

    Realtor.com - Dumas (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 $199,964 (42.9%) $218,690 (39.2%) 0.00 43
    2018-02-01 $199,900 (49.5%) $222,391 (42.4%) 0.00 43
    2018-03-01 $189,250 (18.7%) $205,256 (10.3%) 0.00 42
    2018-04-01 $186,750 (17.5%) $206,309 (12.1%) 0.00 43
    2018-05-01 $187,125 (25.0%) $201,396 (15.6%) 0.00 44
    2018-06-01 $199,000 (23.5%) $215,853 (12.3%) 0.00 54
    2018-07-01 $196,625 (21.0%) $210,451 (9.0%) 0.00 66
    2018-08-01 $193,625 (3.3%) $206,298 (2.1%) 0.00 66
    2018-09-01 $192,500 (11.9%) $207,039 (3.7%) 0.00 66
    2018-10-01 $199,000 (2.3%) $218,218 (1.8%) 0.00 62
    2018-11-01 $196,750 (-1.6%) $211,942 (-1.0%) 0.00 60
    2018-12-01 $198,500 (-0.7%) $208,309 (-4.7%) 0.00 56
    2019-01-01 $192,875 (-3.6%) $199,808 (-8.6%) 0.00 59
    2019-02-01 $188,500 (-5.7%) $197,080 (-11.4%) 0.00 66
    2019-03-01 $169,143 (-10.6%) $193,218 (-5.9%) 0.00 63
    2019-04-01 $151,143 (-19.1%) $185,071 (-10.3%) 0.00 58
    2019-05-01 $175,225 (-6.4%) $185,749 (-7.8%) 0.00 57
    2019-06-01 $166,000 (-16.6%) $188,943 (-12.5%) 0.00 62
    2019-07-01 $164,125 (-16.5%) $183,851 (-12.6%) 0.00 62
    2019-08-01 $168,000 (-13.2%) $185,351 (-10.2%) 0.00 59
    2019-09-01 $174,750 (-9.2%) $190,109 (-8.2%) 0.00 55
    2019-10-01 $179,250 (-9.9%) $193,281 (-11.4%) 0.00 54
    2019-11-01 $183,750 (-6.6%) $186,973 (-11.8%) 0.00 56
    2019-12-01 $141,125 (-28.9%) $174,004 (-16.5%) 0.00 65
    2020-01-01 $133,875 (-30.6%) $166,141 (-16.9%) 0.00 64
    2020-02-01 $127,500 (-32.4%) $161,660 (-18.0%) 0.00 57
    2020-03-01 $130,375 (-22.9%) $160,490 (-16.9%) 0.00 61
    2020-04-01 $133,975 (-11.4%) $162,418 (-12.2%) 0.00 62
    2020-05-01 $133,500 (-23.8%) $162,043 (-12.8%) 0.00 59
    2020-06-01 $130,500 (-21.4%) $169,916 (-10.1%) 0.00 45
    2020-07-01 $159,900 (-2.6%) $171,372 (-6.8%) 0.00 45
    2020-08-01 $159,700 (-4.9%) $173,102 (-6.6%) 0.00 46
    2020-09-01 $157,900 (-9.6%) $173,637 (-8.7%) 0.00 43
    2020-10-01 $148,450 (-17.2%) $175,293 (-9.3%) 0.00 42
    2020-11-01 $159,925 (-13.0%) $177,847 (-4.9%) 0.00 39
    2020-12-01 $152,450 (8.0%) $161,452 (-7.2%) 0.00 34
    2021-01-01 $155,000 (15.8%) $179,908 (8.3%) 0.00 27
    2021-02-01 $151,900 (19.1%) $187,089 (15.7%) 0.00 26
    2021-03-01 $162,500 (24.6%) $208,688 (30.0%) 0.00 25
    2021-04-01 $217,500 (62.3%) $223,065 (37.3%) 0.00 24
    2021-05-01 $197,000 (47.6%) $216,950 (33.9%) 0.00 21
    2021-06-01 $204,750 (56.9%) $216,812 (27.6%) 0.00 22
    2021-07-01 $165,000 (3.2%) $201,578 (17.6%) 0.00 21
    2021-08-01 $166,200 (4.1%) $184,935 (6.8%) 0.00 20
    2021-09-01 $172,500 (9.3%) $200,542 (15.5%) 0.00 19
    2021-10-01 $169,900 (14.5%) $196,758 (12.3%) 0.00 19
    2021-11-01 $160,000 (0.1%) $169,188 (-4.9%) 0.00 21
    2021-12-01 $163,750 (7.4%) $182,109 (12.8%) 0.00 19
    2022-01-01 $162,500 (4.8%) $185,875 (3.3%) 0.00 18
    2022-02-01 $169,500 (11.6%) $198,731 (6.2%) 0.00 18
    2022-03-01 $142,250 (-12.5%) $163,685 (-21.6%) 0.00 16
    2022-04-01 $182,000 (-16.3%) $213,188 (-4.4%) 0.00 18
    2022-05-01 $196,000 (-0.5%) $227,661 (4.9%) 0.00 24
    2022-06-01 $199,900 (-2.4%) $218,081 (0.6%) 0.00 29
    2022-07-01 $200,000 (21.2%) $220,322 (9.3%) 0.00 31
    2022-08-01 $198,675 (19.5%) $226,110 (22.3%) 0.00 32
    2022-09-01 $223,125 (29.4%) $241,581 (20.5%) 0.00 36
    2022-10-01 $210,000 (23.6%) $234,983 (19.4%) 0.00 38
    2022-11-01 $198,075 (23.8%) $227,617 (34.5%) 0.00 40
    2022-12-01 $179,500 (9.6%) $218,232 (19.8%) 0.00 40
    2023-01-01 $167,783 (3.3%) $217,998 (17.3%) 0.00 48
    2023-02-01 $178,750 (5.5%) $220,970 (11.2%) 0.00 47
    2023-03-01 $190,000 (33.6%) $233,304 (42.5%) 0.00 44
    2023-04-01 $235,000 (29.1%) $262,276 (23.0%) 0.00 32
    2023-05-01 $234,750 (19.8%) $267,837 (17.7%) 0.00 26
    2023-06-01 $230,000 (15.1%) $260,978 (19.7%) 0.00 27
    2023-07-01 $220,000 (10.0%) $241,127 (9.4%) 0.00 32
    2023-08-01 $220,000 (10.7%) $249,538 (10.4%) 0.00 35
    2023-09-01 $220,000 (-1.4%) $255,877 (5.9%) 0.00 38
    2023-10-01 $230,500 (9.8%) $249,683 (6.3%) 0.00 45
    2023-11-01 $231,225 (16.7%) $260,378 (14.4%) 0.00 47
    2023-12-01 $238,000 (32.6%) $264,439 (21.2%) 0.00 43
    2024-01-01 $244,950 (46.0%) $274,721 (26.0%) 0.00 41
    2024-02-01 $262,000 (46.6%) $276,130 (25.0%) 0.00 39
    2024-03-01 $257,500 (35.5%) $289,211 (24.0%) 0.00 45
    2024-04-01 $260,750 (11.0%) $287,338 (9.6%) 0.00 42
    2024-05-01 $251,725 (7.2%) $282,400 (5.4%) 0.00 42
    2024-06-01 $266,000 (15.7%) $283,388 (8.6%) 0.00 39
    2024-07-01 $263,750 (19.9%) $289,788 (20.2%) 0.00 42
    2024-08-01 $262,500 (19.3%) $277,214 (11.1%) 0.00 37
    2024-09-01 $264,500 (20.2%) $305,508 (19.4%) 0.00 38
    2024-10-01 $270,749 (17.5%) $320,961 (28.6%) 0.00 41
    2024-11-01 $277,500 (20.0%) $309,909 (19.0%) 0.00 46
    2024-12-01 $275,000 (15.6%) $301,725 (14.1%) 0.00 46
    2025-01-01 $280,000 (14.3%) $308,822 (12.4%) 0.00 43
    2025-02-01 $276,250 (5.4%) $309,745 (12.2%) 0.00 43
    2025-03-01 $262,500 (1.9%) $301,810 (4.4%) 0.00 41
    Dumas's median listing price for 2025-03-01 was $262,500, a difference of $5,000 (1.9%) versus the prior year and $-13,750 versus the prior month.

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

    Dumas's average listing price for 2025-03-01 was $301,810, a difference of $12,599 (4.4%) versus the prior year and $-7,935 versus the prior month.

    For the 2025-03-01 period, Dumas had 41 MLS listings, a difference of -2 listings (-5%) versus the prior month and -4 listings (-9%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dumas (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,099 sqft
    2018-02-01 0 days 2,121 sqft
    2018-03-01 0 days 2,092 sqft
    2018-04-01 0 days 1,810 sqft
    2018-05-01 0 days 1,850 sqft
    2018-06-01 0 days 2,276 sqft
    2018-07-01 0 days 2,219 sqft
    2018-08-01 0 days 2,200 sqft
    2018-09-01 0 days 2,276 sqft
    2018-10-01 0 days 2,308 sqft
    2018-11-01 0 days 2,269 sqft
    2018-12-01 0 days 2,184 sqft
    2019-01-01 0 days 1,925 sqft
    2019-02-01 0 days 1,945 sqft
    2019-03-01 0 days 1,878 sqft
    2019-04-01 0 days 1,787 sqft
    2019-05-01 0 days 1,843 sqft
    2019-06-01 0 days 1,882 sqft
    2019-07-01 0 days 1,780 sqft
    2019-08-01 0 days 1,838 sqft
    2019-09-01 0 days 1,911 sqft
    2019-10-01 0 days 1,953 sqft
    2019-11-01 0 days 1,887 sqft
    2019-12-01 0 days 1,756 sqft
    2020-01-01 0 days 1,609 sqft
    2020-02-01 0 days 1,565 sqft
    2020-03-01 0 days 1,602 sqft
    2020-04-01 0 days 1,662 sqft
    2020-05-01 0 days 1,536 sqft
    2020-06-01 0 days 1,552 sqft
    2020-07-01 0 days 1,752 sqft
    2020-08-01 0 days 1,707 sqft
    2020-09-01 0 days 1,631 sqft
    2020-10-01 0 days 1,431 sqft
    2020-11-01 0 days 1,473 sqft
    2020-12-01 0 days 1,450 sqft
    2021-01-01 0 days 1,435 sqft
    2021-02-01 0 days 1,398 sqft
    2021-03-01 0 days 1,564 sqft
    2021-04-01 0 days 1,794 sqft
    2021-05-01 0 days 1,636 sqft
    2021-06-01 0 days 1,802 sqft
    2021-07-01 0 days 1,715 sqft
    2021-08-01 0 days 1,555 sqft
    2021-09-01 0 days 1,943 sqft
    2021-10-01 0 days 1,467 sqft
    2021-11-01 0 days 1,527 sqft
    2021-12-01 0 days 1,643 sqft
    2022-01-01 0 days 1,600 sqft
    2022-02-01 0 days 1,725 sqft
    2022-03-01 0 days 1,606 sqft
    2022-04-01 0 days 1,756 sqft
    2022-05-01 0 days 1,796 sqft
    2022-06-01 0 days 1,710 sqft
    2022-07-01 0 days 1,711 sqft
    2022-08-01 0 days 1,629 sqft
    2022-09-01 0 days 1,947 sqft
    2022-10-01 0 days 1,981 sqft
    2022-11-01 0 days 1,984 sqft
    2022-12-01 0 days 1,807 sqft
    2023-01-01 0 days 1,728 sqft
    2023-02-01 0 days 1,638 sqft
    2023-03-01 0 days 1,761 sqft
    2023-04-01 0 days 2,167 sqft
    2023-05-01 0 days 2,168 sqft
    2023-06-01 0 days 2,064 sqft
    2023-07-01 0 days 2,010 sqft
    2023-08-01 0 days 2,003 sqft
    2023-09-01 0 days 2,034 sqft
    2023-10-01 0 days 1,966 sqft
    2023-11-01 0 days 1,965 sqft
    2023-12-01 0 days 1,835 sqft
    2024-01-01 0 days 1,984 sqft
    2024-02-01 0 days 2,070 sqft
    2024-03-01 0 days 2,044 sqft
    2024-04-01 0 days 2,059 sqft
    2024-05-01 0 days 2,065 sqft
    2024-06-01 0 days 2,179 sqft
    2024-07-01 0 days 2,049 sqft
    2024-08-01 0 days 2,033 sqft
    2024-09-01 0 days 2,066 sqft
    2024-10-01 0 days 2,130 sqft
    2024-11-01 0 days 2,141 sqft
    2024-12-01 0 days 2,135 sqft
    2025-01-01 0 days 2,129 sqft
    2025-02-01 0 days 2,097 sqft
    2025-03-01 0 days 1,968 sqft
    Dumas's median listing age (time on market) for 2025-03-01 was 0 days.

    Dumas's median square footage for active listings during the 2025-03-01 period was 1,968 sqft. One year prior, the average listing was 2,044 sqft.

    Dumas, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 209 $40,185,000 $192,273
    Refi 15 $2,885,000 $192,333
    Cash Out Refi 15 $2,295,000 $153,000
    Other 10 $880,000 $88,000
    Home Improvement 2 $100,000 $50,000

    Dumas's most frequently cited loan purpose was Home Purchase, with 209 originations. The 2nd most popular reason was Refi, with 15 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 127 $27,025,000 $212,795
    7-8% 57 $9,995,000 $175,351
    Over 8% 29 $2,985,000 $102,931
    5-6% 26 $5,310,000 $204,231
    <2.5% 5 $25,000 $5,000
    4-5% 1 $195,000 $195,000

    During 2024, Dumas's most frequently originated rate bucket was 6-7%, with 127 originations.

    Loan Sizing (Dumas, TX MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 115 $17,295,000 $150,391
    $200k-400k 94 $23,890,000 $254,149
    $100,000 or less 36 $2,300,000 $63,889
    $400k-600k 5 $2,215,000 $443,000
    $600k-1000k 1 $645,000 $645,000

    Dumas's loan sizing saw the bucket of loans from $100k-200k with 115 originations, totaling $17,295,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 181 $36,515,000 $201,740
    60-80% 29 $5,035,000 $173,621
    40-60% 13 $1,295,000 $99,615
    Under 20% 8 $140,000 $17,500
    20-40% 4 $270,000 $67,500
    Over 100% 4 $770,000 $192,500

    Dumas's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 181 originations, totaling $36,515,000 in origination value.