Guymon Mortgage Rates

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

    30 Year Fixed Rate mortgages in Guymon averaged 6% 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 5.97% and one month ago for the week of 2022-05-19, the average rate was 5.34%.

    Guymon's average rate one year ago was 2.96%.

    For refis of the same type during the week of 2022-06-23, the average rate was 5.78%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-23 5.81%
    Guymon 30 Year Fixed Rate 2022-06-23 6%
    Guymon 30 Year Fixed Rate Refi 2022-06-23 5.78%
    Guymon 15 Year Fixed Rate 2022-06-23 4.96%
    Guymon 15 Year Fixed Rate Refi 2022-06-23 5.33%
    Guymon 30 Year FHA 2022-06-23 -0.09%
    Guymon 30 Year FHA Refi 2022-06-23 0.39%
    Guymon 30 Year USDA 2022-06-23 -0.34%
    Guymon 30 Year USDA Refi 2022-06-23 3.4%
    Guymon 30 Year VA 2022-06-23 0.27%
    Guymon 30 Year VA Refi 2022-06-23 -0.13%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Guymon, OK.

    Guymon 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 Guymon, OK 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
    QUICKEN LOANS, LLC 25 3.11% $5,332
    Equity Bank 15 3.09% $3,317
    F & M Bank 10 3.23% $3,879
    United Fidelity Funding Corp. 8 2.86% $6,392
    FLAT BRANCH MORTGAGE, INC. 7 3.29% $3,820
    CMG MORTGAGE, INC. 5 2.82% $5,766
    UNITED WHOLESALE MORTGAGE, LLC 3 3.00% $6,088
    GENEVA FINANCIAL, LLC 1 3.00% $3,893
    HOME POINT FINANCIAL CORPORATION 1 3.38% $4,912
    HOMESIDE FINANCIAL, LLC 1 3.63% $4,786
    JPMorgan Chase Bank 1 2.63% $6,681
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.25% $5,386
    ROYAL UNITED MORTGAGE LLC 1 3.63% $8,181
    RUOFF MORTGAGE COMPANY, INC. 1 3.13% $3,048
    STEARNS LENDING, LLC 1 2.75% $7,154
    Amarillo National Bank 1 3.13% $3,365
    U.S. Bank 1 3.25% $4,433
    AMERICAN FINANCIAL NETWORK, INC. 1 3.50% $8,485
    AmeriHome Mortgage Company, LLC 1 3.38% $4,026
    AMERISAVE MORTGAGE CORPORATION 1 2.88% $4,985
    Bank of America 1 3.38% $3,549
    Bank of England 1 3.00% $4,124
    Carrington Mortgage Services, LLC 1 3.50% $4,302

    Guymon, OK's 23 lenders originated 358 loans during 2021. The total origination value was $48,980,000, with an average loan value of $136,816.

    The top Guymon lender as defined by loan originations is QUICKEN LOANS, LLC, with 25 loans originated. Their average total fees are $5,332, which is $2,015 higher than the next largest lender, Equity Bank.

    The lowest fee Guymon lenders (with over 10 loans originated) are Equity Bank ($3,317), F & M Bank ($3,879), QUICKEN LOANS, LLC ($5,332), .

    The lowest rate Guymon lenders (with over 10 loans originated) are Equity Bank (3.09%), QUICKEN LOANS, LLC (3.11%), F & M Bank (3.23%), .

    Guymon, OK 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
    QUICKEN LOANS, LLC $8,785,000 $10,075,000 14.7% 20.6%
    Equity Bank $6,795,000 $8,745,000 28.7% 17.9%
    CMG MORTGAGE, INC. $6,975,000 $6,390,000 -8.4% 13.0%
    United Fidelity Funding Corp. $185,000 $3,915,000 2,016.2% 8.0%
    F & M Bank $3,190,000 $3,330,000 4.4% 6.8%
    FLAT BRANCH MORTGAGE, INC. $75,000 $2,760,000 3,580.0% 5.6%
    FREEDOM MORTGAGE CORPORATION $480,000 $1,410,000 193.8% 2.9%
    Mortgage Research Center, LLC $360,000 $965,000 168.1% 2.0%
    Mr. Cooper ( Nationstar Mortgage ) $805,000 $895,000 11.2% 1.8%
    UNITED WHOLESALE MORTGAGE, LLC $1,170,000 $860,000 -26.5% 1.8%
    Wells Fargo Bank $645,000 $760,000 17.8% 1.6%
    Carrington Mortgage Services, LLC $185,000 $675,000 264.9% 1.4%
    AMERISAVE MORTGAGE CORPORATION $660,000 n/a 1.3%
    HOME POINT FINANCIAL CORPORATION $2,185,000 $480,000 -78.0% 1.0%
    LEADERONE FINANCIAL CORPORATION $480,000 n/a 1.0%
    STEARNS LENDING, LLC $155,000 $365,000 135.5% 0.7%
    Gateway First Bank $105,000 $355,000 238.1% 0.7%
    21ST MORTGAGE CORPORATION $515,000 $340,000 -34.0% 0.7%
    OKLAHOMA'S $305,000 n/a 0.6%
    USAA Federal Savings Bank $245,000 n/a 0.5%
    AMERICAN FINANCIAL NETWORK, INC. $215,000 n/a 0.4%
    Flagstar Bank, FSB $1,190,000 $210,000 -82.4% 0.4%
    VILLAGE CAPITAL & INVESTMENT LLC $95,000 $210,000 121.1% 0.4%
    Paramount Residential Mortgage Group, Inc. $205,000 n/a 0.4%
    BETTER MORTGAGE CORPORATION $195,000 n/a 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $540,000 $195,000 -63.9% 0.4%
    JPMorgan Chase Bank $300,000 $190,000 -36.7% 0.4%
    PENNYMAC LOAN SERVICES, LLC $185,000 n/a 0.4%
    Bank of America $295,000 $180,000 -39.0% 0.4%
    The Focus Federal Credit Union $180,000 n/a 0.4%
    CORNERSTONE HOME LENDING, INC. $165,000 n/a 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $255,000 $165,000 -35.3% 0.3%
    Colten Mortgage, LLC $155,000 n/a 0.3%
    EMBRACE HOME LOANS, INC. $155,000 n/a 0.3%
    HOMESIDE FINANCIAL, LLC $155,000 n/a 0.3%
    U.S. Bank $145,000 n/a 0.3%
    Barrington Bank & Trust Company, N.A. $255,000 $135,000 -47.1% 0.3%
    GENEVA FINANCIAL, LLC $135,000 n/a 0.3%
    NAVY FEDERAL CREDIT UNION $135,000 n/a 0.3%
    PLAZA HOME MORTGAGE, INC. $135,000 n/a 0.3%
    ROYAL UNITED MORTGAGE LLC $85,000 $135,000 58.8% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $135,000 n/a 0.3%
    ZILLOW HOME LOANS, LLC $135,000 n/a 0.3%
    Amarillo National Bank $125,000 n/a 0.3%
    AmeriHome Mortgage Company, LLC $125,000 n/a 0.3%
    NEW DAY FINANCIAL, LLC $145,000 $125,000 -13.8% 0.3%
    RUOFF MORTGAGE COMPANY, INC. $115,000 n/a 0.2%
    Bank of England $105,000 n/a 0.2%
    LOANDEPOT.COM, LLC $2,250,000 $105,000 -95.3% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $490,000 $105,000 -78.6% 0.2%
    AMERICAN ADVISORS GROUP $100,000 n/a 0.2%
    COMMUNICATION $95,000 n/a 0.2%
    NEWREZ LLC $75,000 $75,000 0.0% 0.2%
    Sunflower Bank $45,000 n/a 0.1%

    Guymon's top lender by overall market share is QUICKEN LOANS, LLC, with 20.6% market share. In second place, with 17.9%, is Equity Bank, having originated $8,745,000 in loans. In third place, with 13.0%, is CMG MORTGAGE, INC., having originated $6,390,000 in loans. In third place, with 8.0%, is United Fidelity Funding Corp., having originated $3,915,000 in loans. In third place, with 6.8%, is F & M Bank, having originated $3,330,000 in loans.

    Guymon, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 206 $29,940,000 $145,340
    Refi 104 $13,480,000 $129,615
    Cash Out Refi 39 $4,875,000 $125,000
    Home Improvement 7 $545,000 $77,857
    Other 2 $140,000 $70,000

    Guymon's most frequently cited loan purpose was Home Purchase, with 206 originations. The 2nd most popular reason was Refi, with 104 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 157 $24,135,000 $153,726
    3-4% 73 $10,875,000 $148,973
    <2.5% 49 $7,515,000 $153,367
    4-5% 49 $4,385,000 $89,490
    5-6% 20 $1,350,000 $67,500
    Over 8% 6 $220,000 $36,667
    7-8% 3 $305,000 $101,667
    6-7% 1 $195,000 $195,000

    During 2021, Guymon's most frequently originated rate bucket was 2.5-3%, with 157 originations.

    Loan Sizing (Guymon, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 209 $29,685,000 $142,033
    $100,000 or less 100 $6,420,000 $64,200
    $200k-400k 47 $11,955,000 $254,362
    $400k-600k 2 $920,000 $460,000

    Guymon's loan sizing saw the bucket of loans from $100k-200k with 209 originations, totaling $29,685,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 195 $30,475,000 $156,282
    60-80% 83 $10,945,000 $131,867
    40-60% 34 $3,240,000 $95,294
    20-40% 21 $1,585,000 $75,476
    Under 20% 12 $590,000 $49,167
    Over 100% 2 $510,000 $255,000

    Guymon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 195 originations, totaling $30,475,000 in origination value.

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Guymon (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 $62,000 (-18.4%) $76,300 (0.4%) 0.00 3
    2018-02-01 $72,700 (-4.3%) $64,650 (-14.9%) 0.00 2
    2018-03-01 $83,400 (87.7%) $100,067 (125.2%) 0.00 3
    2018-04-01 $77,350 (74.0%) $96,450 (117.0%) 0.00 3
    2018-05-01 $175,000 (250.0%) $139,975 (102.3%) 0.00 1
    2018-06-01 $62,500 (-7.4%) $96,500 (38.1%) 0.00 2
    2018-07-01 $52,000 (4.0%) $52,000 (-16.5%) 0.00 1
    2018-08-01 $84,500 (-6.1%) $77,167 (-7.4%) 0.00 2
    2018-09-01 $75,000 (-16.7%) $63,500 (-13.9%) 0.00 2
    2018-10-01 $90,000 (20.2%) $71,000 (-7.1%) 0.00 2
    2018-11-01 $88,000 (41.9%) $70,000 (-13.3%) 0.00 2
    2018-12-01 $88,000 (41.9%) $70,000 (-15.3%) 0.00 2
    2019-01-01 $88,000 (41.9%) $70,000 (-8.3%) 0.00 2
    2019-02-01 $88,000 (21.1%) $70,000 (8.3%) 0.00 2
    2019-03-01 $84,143 (0.9%) $88,524 (-11.5%) 0.00 3
    2019-04-01 $79,643 (3.0%) $72,024 (-25.3%) 0.00 3
    2019-05-01 $82,000 (-53.1%) $67,333 (-51.9%) 0.00 2
    2019-06-01 $149,000 (138.4%) $115,000 (19.2%) 0.00 2
    2019-07-01 $185,000 (255.8%) $167,000 (221.2%) 0.00 2
    2019-08-01 $317,857 (276.2%) $307,571 (298.6%) 0.00 2
    2019-09-01 $495,000 (560.0%) $495,000 (679.5%) 0.00 1
    2019-10-01 $322,000 (257.8%) $259,583 (265.6%) 0.00 2
    2019-11-01 $99,000 (12.5%) $222,167 (217.4%) 0.00 3
    2019-12-01 $99,000 (12.5%) $218,000 (211.4%) 0.00 3
    2020-01-01 $99,000 (12.5%) $218,000 (211.4%) 0.00 3
    2020-02-01 $119,950 (36.3%) $177,990 (154.3%) 0.00 4
    2020-03-01 $109,475 (30.1%) $161,429 (82.4%) 0.00 5
    2020-04-01 $102,000 (28.1%) $152,117 (111.2%) 0.00 5
    2020-05-01 $99,000 (20.7%) $96,350 (43.1%) 0.00 4
    2020-06-01 $99,000 (-33.6%) $93,900 (-18.4%) 0.00 4
    2020-07-01 $95,000 (-48.7%) $91,075 (-45.5%) 0.00 4
    2020-08-01 $77,500 (-75.6%) $76,250 (-75.2%) 0.00 3
    2020-09-01 $77,500 (-84.3%) $112,500 (-77.3%) 0.00 3
    2020-10-01 $77,500 (-75.9%) $77,500 (-70.1%) 0.00 1
    2020-11-01 $77,500 (-21.7%) $77,500 (-65.1%) 0.00 1
    2020-12-01 $77,500 (-21.7%) $77,500 (-64.5%) 0.00 1
    2021-01-01 $105,000 (6.1%) $91,250 (-58.1%) 0.00 0
    2021-02-01 $350,000 (191.8%) $350,000 (96.6%) 0.00 1
    2021-03-01 $350,000 (219.7%) $350,000 (116.8%) 0.00 1
    2021-04-01 $340,000 (233.3%) $340,000 (123.5%) 0.00 1
    2021-05-01 $275,000 (177.8%) $275,000 (185.4%) 0.00 1
    2021-06-01 $222,000 (124.2%) $199,983 (113.0%) 0.00 2
    2021-07-01 $222,000 (133.7%) $185,250 (103.4%) 0.00 2
    2021-08-01 $69,000 (-11.0%) $137,667 (80.6%) 0.00 3
    2021-09-01 $275,000 (254.8%) $275,000 (144.4%) 0.00 1
    2021-10-01 $310,000 (300.0%) $352,000 (354.2%) 0.00 3
    2021-11-01 $275,000 (254.8%) $297,917 (284.4%) 0.00 5
    2021-12-01 $275,000 (254.8%) $305,000 (293.6%) 0.00 4
    2022-01-01 $375,000 (257.1%) $335,000 (267.1%) 0.00 4
    2022-02-01 $275,000 (-21.4%) $315,875 (-9.8%) 0.00 3
    2022-03-01 $275,000 (-21.4%) $325,563 (-7.0%) 0.00 4
    2022-04-01 $267,000 (-21.5%) $262,875 (-22.7%) 0.00 4
    2022-05-01 $240,000 (-12.7%) $224,946 (-18.2%) 0.00 3
    Guymon's median listing price for 2022-05-01 was $240,000, a difference of $-35,000 (-12.7%) versus the prior year and $-27,000 versus the prior month.

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

    Guymon's average listing price for 2022-05-01 was $224,946, a difference of $-50,054 (-18.2%) versus the prior year and $-37,929 versus the prior month.

    For the 2022-05-01 period, Guymon had 3 MLS listings, a difference of -1 listings (-25%) versus the prior month and 2 listings (200%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Guymon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,568 sqft
    2018-02-01 0 days 1,368 sqft
    2018-03-01 0 days 2,533 sqft
    2018-04-01 0 days 2,533 sqft
    2018-05-01 0 days 2,533 sqft
    2018-06-01 0 days 1,324 sqft
    2018-07-01 0 days 980 sqft
    2018-08-01 0 days 1,840 sqft
    2018-09-01 0 days 2,098 sqft
    2018-10-01 0 days 1,386 sqft
    2018-11-01 0 days 1,386 sqft
    2018-12-01 0 days 1,386 sqft
    2019-01-01 0 days 1,386 sqft
    2019-02-01 0 days 1,386 sqft
    2019-03-01 0 days 1,334 sqft
    2019-04-01 0 days 1,274 sqft
    2019-05-01 0 days 1,265 sqft
    2019-06-01 0 days 1,344 sqft
    2019-07-01 0 days 3,116 sqft
    2019-08-01 0 days 4,266 sqft
    2019-09-01 0 days 5,800 sqft
    2019-10-01 0 days 4,218 sqft
    2019-11-01 0 days 2,636 sqft
    2019-12-01 0 days 2,000 sqft
    2020-01-01 0 days 2,000 sqft
    2020-02-01 0 days 2,000 sqft
    2020-03-01 0 days 1,705 sqft
    2020-04-01 0 days 1,705 sqft
    2020-05-01 0 days 1,800 sqft
    2020-06-01 0 days 1,800 sqft
    2020-07-01 0 days 1,800 sqft
    2020-08-01 0 days 2,000 sqft
    2020-09-01 0 days 1,874 sqft
    2020-10-01 0 days 1,705 sqft
    2020-11-01 0 days 1,705 sqft
    2020-12-01 0 days 1,705 sqft
    2021-01-01 0 days 1,705 sqft
    2021-02-01 0 days 3,990 sqft
    2021-03-01 0 days 3,990 sqft
    2021-04-01 0 days 3,990 sqft
    2021-05-01 0 days 2,774 sqft
    2021-06-01 0 days 2,320 sqft
    2021-07-01 0 days 2,057 sqft
    2021-08-01 0 days 1,794 sqft
    2021-09-01 0 days 2,320 sqft
    2021-10-01 0 days 2,320 sqft
    2021-11-01 0 days 2,340 sqft
    2021-12-01 0 days 2,320 sqft
    2022-01-01 0 days 2,320 sqft
    2022-02-01 0 days 3,777 sqft
    2022-03-01 0 days 3,777 sqft
    2022-04-01 0 days 3,344 sqft
    2022-05-01 0 days 2,264 sqft
    Guymon's median listing age (time on market) for 2022-05-01 was 0 days.

    Guymon's median square footage for active listings during the 2022-05-01 period was 2,264 sqft. One year prior, the average listing was 2,774 sqft.