Guymon 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 Guymon averaged 6.73% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 6.66% and one month ago for the week of 2023-02-09, the average rate was 6.35%.

    Guymon's average rate one year ago was 3.82%.

    For refis of the same type during the week of 2023-03-16, the average rate was 7.11%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Guymon 30 Year Fixed Rate 2023-03-16 6.73%
    Guymon 30 Year Fixed Rate Refi 2023-03-16 7.11%
    Guymon 15 Year Fixed Rate 2023-03-16 6.16%
    Guymon 15 Year Fixed Rate Refi 2023-03-16 6.22%
    Guymon 30 Year FHA 2023-03-16 6.2%
    Guymon 30 Year FHA Refi 2023-03-16 6.18%
    Guymon 30 Year USDA 2023-03-16 6.17%
    Guymon 30 Year USDA Refi 2023-03-16 6.54%
    Guymon 30 Year VA 2023-03-16 6.58%
    Guymon 30 Year VA Refi 2023-03-16 6.37%
    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 lender, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Equity Bank 18 5.48% $3,384
    FLAT BRANCH MORTGAGE, INC. 14 4.52% $3,664
    F & M Bank 7 5.36% $4,956
    QUICKEN LOANS, LLC 4 5.15% $6,907
    LOANDEPOT.COM, LLC 2 5.13% $8,278
    Discover Bank 2 5.50% $0
    PENNYMAC LOAN SERVICES, LLC 2 4.94% $4,587
    United Fidelity Funding Corp. 2 5.13% $8,354
    FREEDOM MORTGAGE CORPORATION 2 5.00% $4,796
    CHURCHILL MORTGAGE CORPORATION 1 5.63% $8,315
    Wells Fargo Bank 1 5.50% $3,496
    CMG MORTGAGE, INC. 1 5.25% $6,385
    COMMUNITYAMERICA 1 5.00% $2,945
    EMBRACE HOME LOANS, INC. 1 3.49% $3,476
    JPMorgan Chase Bank 1 4.88% $5,976
    Mr. Cooper ( Nationstar Mortgage ) 1 6.13% $4,781
    Renasant Bank 1 3.99% $4,761
    Sierra Pacific Mortgage Company, Inc. 1 3.38% $4,661
    UNITED WHOLESALE MORTGAGE, LLC 1 5.00% $7,873

    Guymon Average Closing Costs & Other Stats

    Guymon, OK's 19 lenders originated 255 loans during 2022. The total origination value was $35,535,000, with an average loan value of $139,353.

    Guymon's average closing costs are $5,889.

    The top Guymon lender as defined by loan originations is Equity Bank, with 18 loans originated. Their average total fees are $3,384, which is $280 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee Guymon lenders (with over 10 loans originated) are Equity Bank ($3,384), FLAT BRANCH MORTGAGE, INC. ($3,664), .

    The lowest rate Guymon lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. (4.52%), Equity Bank (5.48%), .

    Guymon, OK 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Equity Bank $8,745,000 $8,515,000 -2.6% 24.0%
    CMG MORTGAGE, INC. $6,390,000 $5,560,000 -13.0% 15.6%
    FLAT BRANCH MORTGAGE, INC. $2,760,000 $3,455,000 25.2% 9.7%
    QUICKEN LOANS, LLC $10,075,000 $3,170,000 -68.5% 8.9%
    F & M Bank $3,330,000 $2,665,000 -20.0% 7.5%
    United Fidelity Funding Corp. $3,915,000 $1,095,000 -72.0% 3.1%
    LOANDEPOT.COM, LLC $105,000 $995,000 847.6% 2.8%
    UNITED WHOLESALE MORTGAGE, LLC $860,000 $990,000 15.1% 2.8%
    FREEDOM MORTGAGE CORPORATION $1,410,000 $805,000 -42.9% 2.3%
    Wells Fargo Bank $760,000 $700,000 -7.9% 2.0%
    Mortgage Research Center, LLC $965,000 $595,000 -38.3% 1.7%
    21ST MORTGAGE CORPORATION $340,000 $540,000 58.8% 1.5%
    PENNYMAC LOAN SERVICES, LLC $185,000 $415,000 124.3% 1.2%
    GUARANTEED RATE, INC. $390,000 n/a 1.1%
    HOME POINT FINANCIAL CORPORATION $480,000 $390,000 -18.8% 1.1%
    EMBRACE HOME LOANS, INC. $155,000 $370,000 138.7% 1.0%
    HOMESIDE FINANCIAL, LLC $155,000 $325,000 109.7% 0.9%
    VANDERBILT MORTGAGE AND FINANCE, INC. $195,000 $310,000 59.0% 0.9%
    Ally Bank $270,000 n/a 0.8%
    Discover Bank $260,000 n/a 0.7%
    USAA Federal Savings Bank $245,000 $255,000 4.1% 0.7%
    JPMorgan Chase Bank $190,000 $235,000 23.7% 0.7%
    COMMUNITYAMERICA $225,000 n/a 0.6%
    RUOFF MORTGAGE COMPANY, INC. $115,000 $215,000 87.0% 0.6%
    PNC Bank $210,000 n/a 0.6%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $205,000 n/a 0.6%
    ASSOCIATED MORTGAGE CORPORATION $185,000 n/a 0.5%
    CHURCHILL MORTGAGE CORPORATION $185,000 n/a 0.5%
    AMERISAVE MORTGAGE CORPORATION $660,000 $175,000 -73.5% 0.5%
    FBC MORTGAGE, LLC $175,000 n/a 0.5%
    Bank of America $180,000 $170,000 -5.6% 0.5%
    Arvest Bank $165,000 n/a 0.5%
    First Guaranty Mortgage Corporation $165,000 n/a 0.5%
    Stride Bank $165,000 n/a 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $140,000 n/a 0.4%
    AMERICAN FINANCING CORPORATION $115,000 n/a 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $895,000 $115,000 -87.2% 0.3%
    ON Q FINANCIAL, INC. $115,000 n/a 0.3%
    Renasant Bank $105,000 n/a 0.3%
    Sierra Pacific Mortgage Company, Inc. $105,000 n/a 0.3%
    Tinker Federal Credit Union $105,000 n/a 0.3%
    Carrington Mortgage Services, LLC $675,000 $75,000 -88.9% 0.2%
    Citizens Bank $55,000 n/a 0.2%
    WEOKIE $45,000 n/a 0.1%
    COMMUNICATION $95,000 $15,000 -84.2% 0.0%

    Guymon's top lender by overall market share is Equity Bank, with 24.0% market share. In second place, with 15.6%, is CMG MORTGAGE, INC., having originated $5,560,000 in loans. In third place, with 9.7%, is FLAT BRANCH MORTGAGE, INC., having originated $3,455,000 in loans. In fourth place, with 8.9%, is QUICKEN LOANS, LLC, having originated $3,170,000 in loans. In fifth place, with 7.5%, is F & M Bank, having originated $2,665,000 in loans.

    Guymon Housing Market Trends (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 $67,350 (-11.4%) $76,813 (1.1%) 0.00 3
    2018-02-01 $64,650 (-14.9%) $64,650 (-14.9%) 0.00 2
    2018-03-01 $79,300 (78.4%) $100,067 (121.1%) 0.00 3
    2018-04-01 $77,350 (74.0%) $96,450 (126.3%) 0.00 3
    2018-05-01 $139,975 (227.4%) $139,975 (106.7%) 0.00 1
    2018-06-01 $62,500 (6.4%) $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 (-2.0%) $77,167 (-7.4%) 0.00 3
    2018-09-01 $63,500 (-5.9%) $63,500 (-13.9%) 0.00 2
    2018-10-01 $71,000 (3.7%) $71,000 (-7.1%) 0.00 2
    2018-11-01 $70,000 (12.9%) $70,000 (-13.3%) 0.00 2
    2018-12-01 $70,000 (12.9%) $70,000 (-15.3%) 0.00 2
    2019-01-01 $70,000 (3.9%) $70,000 (-8.9%) 0.00 2
    2019-02-01 $70,000 (8.3%) $70,000 (8.3%) 0.00 2
    2019-03-01 $84,143 (6.1%) $88,524 (-11.5%) 0.00 3
    2019-04-01 $79,643 (3.0%) $72,024 (-25.3%) 0.00 3
    2019-05-01 $72,000 (-48.6%) $67,333 (-51.9%) 0.00 2
    2019-06-01 $115,000 (84.0%) $115,000 (19.2%) 0.00 2
    2019-07-01 $167,000 (221.2%) $167,000 (221.2%) 0.00 2
    2019-08-01 $202,455 (139.6%) $202,455 (162.4%) 0.00 2
    2019-09-01 $255,636 (302.6%) $255,636 (302.6%) 0.00 2
    2019-10-01 $204,591 (188.2%) $253,674 (257.3%) 0.00 3
    2019-11-01 $99,000 (41.4%) $222,167 (217.4%) 0.00 3
    2019-12-01 $99,000 (41.4%) $218,000 (211.4%) 0.00 3
    2020-01-01 $99,000 (41.4%) $218,000 (211.4%) 0.00 3
    2020-02-01 $109,475 (56.4%) $177,990 (154.3%) 0.00 4
    2020-03-01 $99,488 (18.2%) $161,429 (82.4%) 0.00 5
    2020-04-01 $95,750 (20.2%) $152,117 (111.2%) 0.00 6
    2020-05-01 $89,500 (24.3%) $96,350 (43.1%) 0.00 4
    2020-06-01 $88,250 (-23.3%) $93,900 (-18.4%) 0.00 4
    2020-07-01 $86,250 (-48.4%) $91,075 (-45.5%) 0.00 4
    2020-08-01 $76,250 (-62.3%) $76,250 (-62.3%) 0.00 3
    2020-09-01 $77,500 (-69.7%) $112,500 (-56.0%) 0.00 3
    2020-10-01 $77,500 (-62.1%) $77,500 (-69.5%) 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 $91,250 (-7.8%) $91,250 (-58.1%) 0.00 0
    2021-02-01 $350,000 (219.7%) $350,000 (96.6%) 0.00 1
    2021-03-01 $350,000 (251.8%) $350,000 (116.8%) 0.00 1
    2021-04-01 $340,000 (255.1%) $340,000 (123.5%) 0.00 1
    2021-05-01 $275,000 (207.3%) $275,000 (185.4%) 0.00 1
    2021-06-01 $169,000 (91.5%) $186,733 (98.9%) 0.00 3
    2021-07-01 $122,000 (41.5%) $148,500 (63.1%) 0.00 3
    2021-08-01 $69,000 (-9.5%) $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 $261,250 (237.1%) $297,917 (284.4%) 0.00 6
    2021-12-01 $275,000 (254.8%) $312,000 (302.6%) 0.00 5
    2022-01-01 $325,000 (256.2%) $335,000 (267.1%) 0.00 4
    2022-02-01 $268,750 (-23.2%) $315,875 (-9.8%) 0.00 4
    2022-03-01 $270,875 (-22.6%) $325,563 (-7.0%) 0.00 4
    2022-04-01 $255,750 (-24.8%) $262,875 (-22.7%) 0.00 4
    2022-05-01 $235,000 (-14.6%) $204,225 (-25.7%) 0.00 4
    2022-06-01 $233,750 (38.3%) $230,025 (23.2%) 0.00 4
    2022-07-01 $250,000 (104.9%) $263,571 (77.5%) 0.00 3
    2022-08-01 $248,750 (260.5%) $344,841 (150.5%) 0.00 14
    2022-09-01 $270,000 (-1.8%) $371,033 (34.9%) 0.00 14
    2022-10-01 $248,000 (-20.0%) $335,281 (-4.8%) 0.00 19
    2022-11-01 $245,750 (-5.9%) $297,456 (-0.2%) 0.00 17
    2022-12-01 $225,000 (-18.2%) $279,250 (-10.5%) 0.00 17
    2023-01-01 $200,500 (-38.3%) $255,844 (-23.6%) 0.00 20
    2023-02-01 $215,000 (-20.0%) $266,648 (-15.6%) 0.00 22
    Guymon's median listing price for 2023-02-01 was $215,000, a difference of $-53,750 (-20.0%) versus the prior year and $14,500 versus the prior month.

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

    Guymon's average listing price for 2023-02-01 was $266,648, a difference of $-49,227 (-15.6%) versus the prior year and $10,804 versus the prior month.

    For the 2023-02-01 period, Guymon had 22 MLS listings, a difference of 2 listings (10%) versus the prior month and 18 listings (450%) 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 1,557 sqft
    2018-02-01 0 days 1,461 sqft
    2018-03-01 0 days 1,553 sqft
    2018-04-01 0 days 1,553 sqft
    2018-05-01 0 days 2,242 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 1,539 sqft
    2018-10-01 0 days 1,183 sqft
    2018-11-01 0 days 1,183 sqft
    2018-12-01 0 days 1,183 sqft
    2019-01-01 0 days 1,183 sqft
    2019-02-01 0 days 1,183 sqft
    2019-03-01 0 days 1,334 sqft
    2019-04-01 0 days 1,274 sqft
    2019-05-01 0 days 1,194 sqft
    2019-06-01 0 days 1,344 sqft
    2019-07-01 0 days 2,230 sqft
    2019-08-01 0 days 2,685 sqft
    2019-09-01 0 days 3,369 sqft
    2019-10-01 0 days 3,192 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 1,712 sqft
    2020-03-01 0 days 1,626 sqft
    2020-04-01 0 days 1,699 sqft
    2020-05-01 0 days 1,753 sqft
    2020-06-01 0 days 1,753 sqft
    2020-07-01 0 days 1,753 sqft
    2020-08-01 0 days 1,853 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 1,693 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 2,081 sqft
    2021-07-01 0 days 1,794 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 2,330 sqft
    2021-12-01 0 days 2,313 sqft
    2022-01-01 0 days 2,305 sqft
    2022-02-01 0 days 3,049 sqft
    2022-03-01 0 days 3,049 sqft
    2022-04-01 0 days 2,804 sqft
    2022-05-01 0 days 2,263 sqft
    2022-06-01 0 days 2,264 sqft
    2022-07-01 0 days 2,264 sqft
    2022-08-01 0 days 2,118 sqft
    2022-09-01 0 days 2,463 sqft
    2022-10-01 0 days 2,074 sqft
    2022-11-01 0 days 2,132 sqft
    2022-12-01 0 days 1,820 sqft
    2023-01-01 0 days 1,799 sqft
    2023-02-01 0 days 1,843 sqft
    Guymon's median listing age (time on market) for 2023-02-01 was 0 days.

    Guymon's median square footage for active listings during the 2023-02-01 period was 1,843 sqft. One year prior, the average listing was 3,049 sqft.

    Guymon, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 164 $25,920,000 $158,049
    Refi 40 $4,910,000 $122,750
    Home Improvement 19 $955,000 $50,263
    Cash Out Refi 19 $3,005,000 $158,158
    Other 13 $745,000 $57,308

    Guymon's most frequently cited loan purpose was Home Purchase, with 164 originations. The 2nd most popular reason was Refi, with 40 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 62 $9,290,000 $149,839
    4-5% 56 $9,330,000 $166,607
    3-4% 37 $5,755,000 $155,541
    <2.5% 36 $2,190,000 $60,833
    6-7% 28 $3,530,000 $126,071
    7-8% 16 $2,770,000 $173,125
    2.5-3% 13 $1,925,000 $148,077
    Over 8% 7 $745,000 $106,429

    During 2022, Guymon's most frequently originated rate bucket was 5-6%, with 62 originations.

    Loan Sizing (Guymon, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 128 $19,200,000 $150,000
    $100,000 or less 85 $4,675,000 $55,000
    $200k-400k 38 $9,260,000 $243,684
    $400k-600k 3 $1,395,000 $465,000
    $Over $1MM 1 $1,005,000 $1,005,000

    Guymon's loan sizing saw the bucket of loans from $100k-200k with 128 originations, totaling $19,200,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 129 $21,085,000 $163,450
    60-80% 54 $7,750,000 $143,519
    20-40% 31 $1,585,000 $51,129
    40-60% 20 $3,020,000 $151,000
    Under 20% 11 $315,000 $28,636
    Over 100% 7 $1,265,000 $180,714

    Guymon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 129 originations, totaling $21,085,000 in origination value.