Dumas Mortgage Rates

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

30 Year Fixed Rate mortgages in Dumas averaged 6.36% 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 6.03% and one month ago for the week of 2022-05-19, the average rate was 5.9%.

Dumas's average rate one year ago was 3.26%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.06%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Dumas 30 Year Fixed Rate 2022-06-23 6.36%
Dumas 30 Year Fixed Rate Refi 2022-06-23 6.06%
Dumas 15 Year Fixed Rate 2022-06-23 6.08%
Dumas 15 Year Fixed Rate Refi 2022-06-23 5.13%
Dumas 30 Year FHA 2022-06-23 0.5%
Dumas 30 Year FHA Refi 2022-06-23 0.04%
Dumas 30 Year USDA 2022-06-23 0.25%
Dumas 30 Year USDA Refi 2022-06-23 2.8%
Dumas 30 Year VA 2022-06-23 0.89%
Dumas 30 Year VA Refi 2022-06-23 0.27%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
HOMETRUST MORTGAGE COMPANY 23 3.21% $4,539
QUICKEN LOANS, LLC 10 3.35% $5,033
Amarillo National Bank 9 3.56% $3,347
Happy State Bank 8 3.48% $4,201
LOANDEPOT.COM, LLC 6 3.56% $5,027
J. VIRGIL, INC. 5 3.50% $5,774
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.41% $4,977
TIB The Independent Bankersbank 3 3.13% $4,029
First Bank & Trust 3 3.54% $5,683
Wells Fargo Bank 2 4.19% $4,972
AMCAP MORTGAGE, LTD. 2 3.44% $5,748
Hometown Lenders, Inc. 2 3.00% $4,792
ROYAL UNITED MORTGAGE LLC 2 4.19% $6,722
Mr. Cooper ( Nationstar Mortgage ) 2 3.25% $8,391
HOME POINT FINANCIAL CORPORATION 1 2.75% $5,451
AMERICAN FINANCIAL NETWORK, INC. 1 3.38% $10,652
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.99% $6,423
MID AMERICA MORTGAGE, INC. 1 3.38% $2,476
MORIA DEVELOPMENT, INC. 1 3.38% $5,925
NEWREZ LLC 1 2.75% $2,874
NexBank 1 3.13% $5,226
PENNYMAC LOAN SERVICES, LLC 1 3.13% $7,453
RANLIFE, INC. 1 3.13% $4,946
Truist Bank 1 2.98% $4,735
UNIVERSAL LENDING CORPORATION 1 3.25% $4,006
JPMorgan Chase Bank 1 3.00% $5,698
BETTER MORTGAGE CORPORATION 1 2.63% $2,948
CALIBER HOME LOANS, INC. 1 3.63% $4,569
CELEBRITY HOME LOANS, LLC 1 2.88% $2,292
CMG MORTGAGE, INC. 1 3.50% $4,841
D. L. Evans Bank 1 3.13% $3,484
Education Credit Union 1 6.63% $5,800
EVERETT FINANCIAL, INC. 1 3.50% $2,355
First Guaranty Mortgage Corporation 1 3.63% $7,609
Flagstar Bank, FSB 1 3.25% $4,622
GREAT WESTERN FINANCIAL SERVICES, INC. 1 3.25% $3,695

Dumas, TX's 36 lenders originated 363 loans during 2021. The total origination value was $59,475,000, with an average loan value of $163,843.

The top Dumas lender as defined by loan originations is HOMETRUST MORTGAGE COMPANY, with 23 loans originated. Their average total fees are $4,539, which is $494 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Dumas lenders (with over 10 loans originated) are HOMETRUST MORTGAGE COMPANY ($4,539), QUICKEN LOANS, LLC ($5,033), .

The lowest rate Dumas lenders (with over 10 loans originated) are HOMETRUST MORTGAGE COMPANY (3.21%), QUICKEN LOANS, LLC (3.35%), .

Dumas, TX 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
HOMETRUST MORTGAGE COMPANY $17,230,000 $11,240,000 -34.8% 18.9%
QUICKEN LOANS, LLC $5,360,000 $5,435,000 1.4% 9.1%
J. VIRGIL, INC. $4,555,000 n/a 7.7%
Amarillo National Bank $3,895,000 $3,750,000 -3.7% 6.3%
Happy State Bank $3,670,000 $2,980,000 -18.8% 5.0%
FREEDOM MORTGAGE CORPORATION $1,695,000 $2,430,000 43.4% 4.1%
LOANDEPOT.COM, LLC $3,435,000 $1,835,000 -46.6% 3.1%
AMCAP MORTGAGE, LTD. $2,550,000 $1,365,000 -46.5% 2.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,190,000 $1,290,000 8.4% 2.2%
LAKEVIEW LOAN SERVICING, LLC $1,110,000 n/a 1.9%
FirstBank Southwest $135,000 $1,065,000 688.9% 1.8%
Mr. Cooper ( Nationstar Mortgage ) $1,700,000 $1,030,000 -39.4% 1.7%
NEWREZ LLC $175,000 $1,005,000 474.3% 1.7%
CALIBER HOME LOANS, INC. $525,000 $990,000 88.6% 1.7%
TIB The Independent Bankersbank $1,700,000 $930,000 -45.3% 1.6%
First Bank & Trust $205,000 $880,000 329.3% 1.5%
Wells Fargo Bank $185,000 $760,000 310.8% 1.3%
NATIONS RELIABLE LENDING, LLC $865,000 $745,000 -13.9% 1.3%
HOME POINT FINANCIAL CORPORATION $935,000 $705,000 -24.6% 1.2%
Network Funding, L.P. $555,000 $670,000 20.7% 1.1%
EVERETT FINANCIAL, INC. $2,520,000 $660,000 -73.8% 1.1%
PENNYMAC LOAN SERVICES, LLC $250,000 $630,000 152.0% 1.1%
21ST MORTGAGE CORPORATION $330,000 $595,000 80.3% 1.0%
Hometown Lenders, Inc. $535,000 n/a 0.9%
Mortgage Research Center, LLC $125,000 $520,000 316.0% 0.9%
Lakeview Community Capital, LLC $125,000 $515,000 312.0% 0.9%
Herring Bank $1,265,000 $510,000 -59.7% 0.9%
UNIVERSAL LENDING CORPORATION $475,000 n/a 0.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $515,000 $445,000 -13.6% 0.7%
VANDERBILT MORTGAGE AND FINANCE, INC. $445,000 $425,000 -4.5% 0.7%
JPMorgan Chase Bank $245,000 $420,000 71.4% 0.7%
AMERICAN FINANCIAL NETWORK, INC. $380,000 n/a 0.6%
VILLAGE CAPITAL & INVESTMENT LLC $735,000 $365,000 -50.3% 0.6%
FINANCE OF AMERICA MORTGAGE LLC $195,000 $350,000 79.5% 0.6%
AmeriHome Mortgage Company, LLC $555,000 $335,000 -39.6% 0.6%
First Guaranty Mortgage Corporation $320,000 n/a 0.5%
CMG MORTGAGE, INC. $300,000 n/a 0.5%
First National Bank Texas $395,000 $300,000 -24.1% 0.5%
U.S. Bank $180,000 $290,000 61.1% 0.5%
NAVY FEDERAL CREDIT UNION $265,000 n/a 0.4%
NexBank $265,000 n/a 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $255,000 n/a 0.4%
Truist Bank $255,000 n/a 0.4%
BETTER MORTGAGE CORPORATION $245,000 n/a 0.4%
D. L. Evans Bank $235,000 n/a 0.4%
COUNTRYPLACE MORTGAGE, LTD. $225,000 n/a 0.4%
Flagstar Bank, FSB $730,000 $225,000 -69.2% 0.4%
ASSOCIATED MORTGAGE CORPORATION $680,000 $215,000 -68.4% 0.4%
OCEANSIDE MORTGAGE COMPANY $205,000 n/a 0.3%
PHH Mortgage Corporation $205,000 n/a 0.3%
ROYAL UNITED MORTGAGE LLC $255,000 $200,000 -21.6% 0.3%
CELEBRITY HOME LOANS, LLC $195,000 n/a 0.3%
MID AMERICA MORTGAGE, INC. $255,000 $195,000 -23.5% 0.3%
Education Credit Union $235,000 $190,000 -19.1% 0.3%
STEARNS LENDING, LLC $185,000 n/a 0.3%
Vista Bank $185,000 n/a 0.3%
Prosperity Home Mortgage, LLC $180,000 n/a 0.3%
CHURCHILL MORTGAGE CORPORATION $715,000 $175,000 -75.5% 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $165,000 n/a 0.3%
MORIA DEVELOPMENT, INC. $165,000 n/a 0.3%
TRIAD FINANCIAL SERVICES, INC. $220,000 $155,000 -29.5% 0.3%
INTERLINC MORTGAGE SERVICES, LLC $145,000 n/a 0.2%
Sierra Pacific Mortgage Company, Inc. $145,000 n/a 0.2%
THRIVE MORTGAGE, LLC $145,000 n/a 0.2%
BROKER SOLUTIONS, INC. $275,000 $135,000 -50.9% 0.2%
Citibank $135,000 n/a 0.2%
USAA Federal Savings Bank $135,000 n/a 0.2%
RANLIFE, INC. $125,000 n/a 0.2%
Carrington Mortgage Services, LLC $105,000 $115,000 9.5% 0.2%
Citizens Bank $340,000 $85,000 -75.0% 0.1%
Colonial Savings, F.A. $115,000 $85,000 -26.1% 0.1%
COMPEER FINANCIAL, FLCA $85,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $125,000 $85,000 -32.0% 0.1%
Manufacturers and Traders Trust Company $85,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $135,000 $85,000 -37.0% 0.1%
TEXAS TECH $85,000 n/a 0.1%
GREAT WESTERN FINANCIAL SERVICES, INC. $75,000 n/a 0.1%

Dumas's top lender by overall market share is HOMETRUST MORTGAGE COMPANY, with 18.9% market share. In second place, with 9.1%, is QUICKEN LOANS, LLC, having originated $5,435,000 in loans. In third place, with 7.7%, is J. VIRGIL, INC., having originated $4,555,000 in loans. In third place, with 6.3%, is Amarillo National Bank, having originated $3,750,000 in loans. In third place, with 5.0%, is Happy State Bank, having originated $2,980,000 in loans.


Dumas, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 202 $35,010,000 $173,317
Refi 126 $19,560,000 $155,238
Cash Out Refi 30 $4,590,000 $153,000
Home Improvement 3 $175,000 $58,333
Other 2 $140,000 $70,000

Dumas's most frequently cited loan purpose was Home Purchase, with 202 originations. The 2nd most popular reason was Refi, with 126 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 150 $25,720,000 $171,467
2.5-3% 120 $20,190,000 $168,250
<2.5% 45 $7,305,000 $162,333
4-5% 18 $2,460,000 $136,667
5-6% 6 $940,000 $156,667
6-7% 5 $495,000 $99,000
Over 8% 4 $270,000 $67,500
7-8% 3 $335,000 $111,667

During 2021, Dumas's most frequently originated rate bucket was 3-4%, with 150 originations.

Loan Sizing (Dumas, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 215 $32,265,000 $150,070
$200k-400k 86 $21,820,000 $253,721
$100,000 or less 60 $4,540,000 $75,667
$400k-600k 2 $850,000 $425,000

Dumas's loan sizing saw the bucket of loans from $100k-200k with 215 originations, totaling $32,265,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 226 $38,880,000 $172,035
60-80% 68 $11,220,000 $165,000
40-60% 30 $3,770,000 $125,667
20-40% 4 $260,000 $65,000
Over 100% 3 $695,000 $231,667
Under 20% 2 $10,000 $5,000

Dumas's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 226 originations, totaling $38,880,000 in origination value.


Market Conditions (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 $215,950 (51.1%) $224,353 (42.3%) 0.00 40
2018-02-01 $199,900 (47.5%) $221,259 (41.7%) 0.00 40
2018-03-01 $189,500 (18.9%) $207,905 (11.8%) 0.00 41
2018-04-01 $189,750 (18.7%) $214,589 (16.2%) 0.00 41
2018-05-01 $192,250 (22.5%) $211,074 (20.1%) 0.00 45
2018-06-01 $203,000 (24.0%) $218,015 (11.1%) 0.00 54
2018-07-01 $199,000 (22.5%) $214,080 (12.1%) 0.00 67
2018-08-01 $195,750 (4.4%) $211,157 (7.0%) 0.00 67
2018-09-01 $192,500 (2.7%) $208,592 (6.6%) 0.00 70
2018-10-01 $199,500 (2.4%) $220,208 (3.9%) 0.00 64
2018-11-01 $200,000 (-0.1%) $215,804 (-1.4%) 0.00 61
2018-12-01 $200,000 (-0.1%) $210,873 (-8.2%) 0.00 59
2019-01-01 $197,000 (-8.8%) $203,537 (-9.3%) 0.00 60
2019-02-01 $192,250 (-3.8%) $199,654 (-9.8%) 0.00 66
2019-03-01 $176,429 (-6.9%) $196,601 (-5.4%) 0.00 65
2019-04-01 $166,429 (-12.3%) $190,698 (-11.1%) 0.00 60
2019-05-01 $185,000 (-3.8%) $190,755 (-9.6%) 0.00 60
2019-06-01 $184,900 (-8.9%) $191,103 (-12.3%) 0.00 66
2019-07-01 $163,500 (-17.8%) $183,490 (-14.3%) 0.00 65
2019-08-01 $159,857 (-18.3%) $182,573 (-13.5%) 0.00 61
2019-09-01 $155,607 (-19.2%) $183,249 (-12.2%) 0.00 56
2019-10-01 $184,700 (-7.4%) $194,787 (-11.5%) 0.00 56
2019-11-01 $185,000 (-7.5%) $191,740 (-11.2%) 0.00 63
2019-12-01 $167,250 (-16.4%) $179,690 (-14.8%) 0.00 73
2020-01-01 $138,000 (-30.0%) $170,011 (-16.5%) 0.00 72
2020-02-01 $130,000 (-32.4%) $164,605 (-17.6%) 0.00 62
2020-03-01 $134,750 (-23.6%) $163,778 (-16.7%) 0.00 67
2020-04-01 $135,000 (-18.9%) $165,949 (-13.0%) 0.00 67
2020-05-01 $135,000 (-27.0%) $165,327 (-13.3%) 0.00 69
2020-06-01 $134,450 (-27.3%) $175,263 (-8.3%) 0.00 54
2020-07-01 $159,950 (-2.2%) $175,574 (-4.3%) 0.00 53
2020-08-01 $164,900 (3.2%) $179,668 (-1.6%) 0.00 57
2020-09-01 $161,450 (3.8%) $180,310 (-1.6%) 0.00 52
2020-10-01 $159,900 (-13.4%) $181,016 (-7.1%) 0.00 47
2020-11-01 $162,900 (-12.0%) $187,440 (-2.2%) 0.00 44
2020-12-01 $156,450 (-6.5%) $174,191 (-3.1%) 0.00 39
2021-01-01 $159,900 (15.9%) $190,989 (12.3%) 0.00 32
2021-02-01 $155,000 (19.2%) $197,730 (20.1%) 0.00 30
2021-03-01 $196,250 (45.6%) $218,200 (33.2%) 0.00 28
2021-04-01 $239,500 (77.4%) $235,044 (41.6%) 0.00 30
2021-05-01 $206,000 (52.6%) $231,330 (39.9%) 0.00 26
2021-06-01 $215,000 (59.9%) $226,211 (29.1%) 0.00 28
2021-07-01 $180,000 (12.5%) $220,413 (25.5%) 0.00 26
2021-08-01 $172,450 (4.6%) $197,704 (10.0%) 0.00 23
2021-09-01 $175,000 (8.4%) $208,883 (15.9%) 0.00 22
2021-10-01 $175,000 (9.4%) $215,064 (18.8%) 0.00 20
2021-11-01 $175,000 (7.4%) $183,816 (-1.9%) 0.00 24
2021-12-01 $175,000 (11.9%) $193,127 (10.9%) 0.00 20
2022-01-01 $170,000 (6.3%) $195,100 (2.2%) 0.00 20
2022-02-01 $199,000 (28.4%) $220,801 (11.7%) 0.00 21
2022-03-01 $155,000 (-21.0%) $182,237 (-16.5%) 0.00 18
2022-04-01 $199,000 (-16.9%) $216,658 (-7.8%) 0.00 22
2022-05-01 $204,950 (-0.5%) $230,938 (-0.2%) 0.00 26
Dumas's median listing price for 2022-05-01 was $204,950, a difference of $-1,050 (-0.5%) versus the prior year and $5,950 versus the prior month.

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

Dumas's average listing price for 2022-05-01 was $230,938, a difference of $-392 (-0.2%) versus the prior year and $14,280 versus the prior month.

For the 2022-05-01 period, Dumas had 26 MLS listings, a difference of 4 listings (18%) versus the prior month and 0 listings (0%) 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 2,238 sqft
2018-02-01 0 days 2,132 sqft
2018-03-01 0 days 2,099 sqft
2018-04-01 0 days 1,938 sqft
2018-05-01 0 days 2,027 sqft
2018-06-01 0 days 2,276 sqft
2018-07-01 0 days 2,221 sqft
2018-08-01 0 days 2,252 sqft
2018-09-01 0 days 2,276 sqft
2018-10-01 0 days 2,308 sqft
2018-11-01 0 days 2,280 sqft
2018-12-01 0 days 2,184 sqft
2019-01-01 0 days 1,998 sqft
2019-02-01 0 days 1,977 sqft
2019-03-01 0 days 1,945 sqft
2019-04-01 0 days 1,874 sqft
2019-05-01 0 days 1,929 sqft
2019-06-01 0 days 1,885 sqft
2019-07-01 0 days 1,778 sqft
2019-08-01 0 days 1,784 sqft
2019-09-01 0 days 1,778 sqft
2019-10-01 0 days 1,968 sqft
2019-11-01 0 days 1,894 sqft
2019-12-01 0 days 1,812 sqft
2020-01-01 0 days 1,646 sqft
2020-02-01 0 days 1,600 sqft
2020-03-01 0 days 1,604 sqft
2020-04-01 0 days 1,666 sqft
2020-05-01 0 days 1,670 sqft
2020-06-01 0 days 1,680 sqft
2020-07-01 0 days 1,752 sqft
2020-08-01 0 days 1,806 sqft
2020-09-01 0 days 1,704 sqft
2020-10-01 0 days 1,476 sqft
2020-11-01 0 days 1,529 sqft
2020-12-01 0 days 1,500 sqft
2021-01-01 0 days 1,505 sqft
2021-02-01 0 days 1,499 sqft
2021-03-01 0 days 1,704 sqft
2021-04-01 0 days 2,131 sqft
2021-05-01 0 days 1,829 sqft
2021-06-01 0 days 1,976 sqft
2021-07-01 0 days 1,963 sqft
2021-08-01 0 days 1,776 sqft
2021-09-01 0 days 1,976 sqft
2021-10-01 0 days 1,734 sqft
2021-11-01 0 days 1,669 sqft
2021-12-01 0 days 1,716 sqft
2022-01-01 0 days 1,600 sqft
2022-02-01 0 days 1,804 sqft
2022-03-01 0 days 1,716 sqft
2022-04-01 0 days 1,796 sqft
2022-05-01 0 days 1,770 sqft
Dumas's median listing age (time on market) for 2022-05-01 was 0 days.

Dumas's median square footage for active listings during the 2022-05-01 period was 1,770 sqft. One year prior, the average listing was 1,829 sqft.