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 6.9% 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 7.08% and one month ago for the week of 2024-03-14, the average rate was 6.64%.

    Guymon's average rate one year ago was 6.47%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Guymon 30 Year Fixed Rate 2024-04-18 6.9%
    Guymon 30 Year Fixed Rate Refi 2024-04-18 7%
    Guymon 15 Year Fixed Rate 2024-04-18 6.19%
    Guymon 15 Year Fixed Rate Refi 2024-04-18 6.49%
    Guymon 30 Year FHA 2024-04-18 6.66%
    Guymon 30 Year FHA Refi 2024-04-18 7.06%
    Guymon 30 Year USDA 2024-04-18 6.66%
    Guymon 30 Year USDA Refi 2024-04-18 6.76%
    Guymon 30 Year VA 2024-04-18 6.96%
    Guymon 30 Year VA Refi 2024-04-18 6.56%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Equity Bank 28 6.63% $3,652
    QUICKEN LOANS, LLC 13 6.90% $6,811
    FLAT BRANCH MORTGAGE, INC. 7 6.78% $5,545
    ASSOCIATED MORTGAGE CORPORATION 2 6.69% $3,778
    CMG MORTGAGE, INC. 2 6.50% $7,889
    Centennial Bank 2 7.13% $3,474
    JPMorgan Chase Bank 2 6.37% $5,038
    OKLAHOMA'S 1 6.38% $1,787
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $7,251
    UNITED WHOLESALE MORTGAGE, LLC 1 6.25% $5,892
    Wells Fargo Bank 1 6.50% $6,071
    Barrington Bank & Trust Company, N.A. 1 7.25% $4,014
    Citizens Bank 1 7.00% $7,988
    F & M Bank 1 7.00% $3,313
    Gateway First Bank 1 5.75% $7,421
    GERSHMAN INVESTMENT CORP. 1 7.13% $3,690
    Nations Lending Corporation 1 7.13% $8,919

    Guymon Average Closing Costs & Other Stats

    Guymon, OK's 17 lenders originated 199 loans during 2023. The total origination value was $31,575,000, with an average loan value of $158,668.

    Guymon's average closing costs are $5,997.

    The top Guymon lender as defined by loan originations is Equity Bank, with 28 loans originated. Their average total fees are $3,652, which is $3,158 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Guymon lenders (with over 10 loans originated) are Equity Bank ($3,652), QUICKEN LOANS, LLC ($6,811), .

    The lowest rate Guymon lenders (with over 10 loans originated) are Equity Bank (6.63%), QUICKEN LOANS, LLC (6.90%), .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Equity Bank $8,515,000 $11,395,000 33.8% 36.1%
    QUICKEN LOANS, LLC $3,170,000 $3,630,000 14.5% 11.5%
    American Nation Bank $2,655,000 n/a 8.4%
    FLAT BRANCH MORTGAGE, INC. $3,455,000 $2,140,000 -38.1% 6.8%
    CMG MORTGAGE, INC. $5,560,000 $2,120,000 -61.9% 6.7%
    UNITED WHOLESALE MORTGAGE, LLC $990,000 $1,420,000 43.4% 4.5%
    Paramount Residential Mortgage Group, Inc. $1,410,000 n/a 4.5%
    Wells Fargo Bank $700,000 $705,000 0.7% 2.2%
    Mortgage Research Center, LLC $595,000 $640,000 7.6% 2.0%
    NEWREZ LLC $555,000 n/a 1.8%
    Centennial Bank $470,000 n/a 1.5%
    F & M Bank $2,665,000 $435,000 -83.7% 1.4%
    JPMorgan Chase Bank $235,000 $370,000 57.4% 1.2%
    ASSOCIATED MORTGAGE CORPORATION $185,000 $320,000 73.0% 1.0%
    LAKEVIEW LOAN SERVICING, LLC $295,000 n/a 0.9%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $140,000 $240,000 71.4% 0.8%
    Gateway First Bank $235,000 n/a 0.7%
    Nations Lending Corporation $220,000 n/a 0.7%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $205,000 $205,000 0.0% 0.6%
    21ST MORTGAGE CORPORATION $540,000 $195,000 -63.9% 0.6%
    The Federal Savings Bank $195,000 n/a 0.6%
    Town Square Mortgage & Investments, Inc. $195,000 n/a 0.6%
    NAVY FEDERAL CREDIT UNION $185,000 n/a 0.6%
    THRIVENT Federal Credit Union $185,000 n/a 0.6%
    Citizens Bank $55,000 $175,000 218.2% 0.6%
    FINANCIAL CONCEPTS MORTGAGE, LLC $175,000 n/a 0.6%
    GERSHMAN INVESTMENT CORP. $165,000 n/a 0.5%
    OKLAHOMA'S $125,000 n/a 0.4%
    PREMIER LENDING, INC. $105,000 n/a 0.3%
    SOUTHWEST STAGE FUNDING, LLC $105,000 n/a 0.3%
    Barrington Bank & Trust Company, N.A. $95,000 n/a 0.3%
    Bank of America $170,000 $85,000 -50.0% 0.3%
    FINANCE OF AMERICA REVERSE LLC $45,000 n/a 0.1%
    Coastal Community Bank $35,000 n/a 0.1%
    Fidelity Bank $25,000 n/a 0.1%
    Figure Lending LLC $25,000 n/a 0.1%

    Guymon's top lender by overall market share is Equity Bank, with 36.1% market share. In second place, with 11.5%, is QUICKEN LOANS, LLC, having originated $3,630,000 in loans. In third place, with 8.4%, is American Nation Bank, having originated $2,655,000 in loans. In fourth place, with 6.8%, is FLAT BRANCH MORTGAGE, INC., having originated $2,140,000 in loans. In fifth place, with 6.7%, is CMG MORTGAGE, INC., having originated $2,120,000 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 (125.2%) 0.00 3
    2018-04-01 $77,350 (74.0%) $96,450 (117.0%) 0.00 3
    2018-05-01 $139,975 (180.0%) $139,975 (102.3%) 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
    2023-03-01 $213,750 (-21.1%) $258,710 (-20.5%) 0.00 24
    2023-04-01 $215,000 (-15.9%) $256,529 (-2.4%) 0.00 30
    2023-05-01 $212,500 (-9.6%) $254,098 (24.4%) 0.00 32
    2023-06-01 $215,000 (-8.0%) $255,540 (11.1%) 0.00 29
    2023-07-01 $215,000 (-14.0%) $263,362 (-0.1%) 0.00 25
    2023-08-01 $220,000 (-11.6%) $255,577 (-25.9%) 0.00 32
    2023-09-01 $235,000 (-13.0%) $258,267 (-30.4%) 0.00 36
    2023-10-01 $235,000 (-5.2%) $244,172 (-27.2%) 0.00 45
    2023-11-01 $220,000 (-10.5%) $228,002 (-23.4%) 0.00 51
    2023-12-01 $225,000 (0.0%) $233,106 (-16.5%) 0.00 46
    2024-01-01 $225,000 (12.2%) $230,571 (-9.9%) 0.00 43
    2024-02-01 $225,000 (4.7%) $244,156 (-8.4%) 0.00 40
    2024-03-01 $235,000 (9.9%) $259,909 (0.5%) 0.00 42
    Guymon's median listing price for 2024-03-01 was $235,000, a difference of $21,250 (9.9%) versus the prior year and $10,000 versus the prior month.

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

    Guymon's average listing price for 2024-03-01 was $259,909, a difference of $1,199 (0.5%) versus the prior year and $15,753 versus the prior month.

    For the 2024-03-01 period, Guymon had 42 MLS listings, a difference of 2 listings (5%) versus the prior month and 18 listings (75%) 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
    2023-03-01 0 days 1,918 sqft
    2023-04-01 0 days 1,970 sqft
    2023-05-01 0 days 1,883 sqft
    2023-06-01 0 days 1,858 sqft
    2023-07-01 0 days 1,880 sqft
    2023-08-01 0 days 1,657 sqft
    2023-09-01 0 days 1,648 sqft
    2023-10-01 0 days 1,580 sqft
    2023-11-01 0 days 1,566 sqft
    2023-12-01 0 days 1,568 sqft
    2024-01-01 0 days 1,568 sqft
    2024-02-01 0 days 1,659 sqft
    2024-03-01 0 days 1,790 sqft
    Guymon's median listing age (time on market) for 2024-03-01 was 0 days.

    Guymon's median square footage for active listings during the 2024-03-01 period was 1,790 sqft. One year prior, the average listing was 1,918 sqft.

    Guymon, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 144 $26,540,000 $184,306
    Refi 19 $2,035,000 $107,105
    Cash Out Refi 16 $2,010,000 $125,625
    Home Improvement 14 $740,000 $52,857
    Other 6 $250,000 $41,667

    Guymon's most frequently cited loan purpose was Home Purchase, with 144 originations. The 2nd most popular reason was Refi, with 19 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 79 $13,605,000 $172,215
    Over 8% 50 $4,720,000 $94,400
    7-8% 34 $5,620,000 $165,294
    5-6% 22 $4,380,000 $199,091
    <2.5% 10 $510,000 $51,000
    4-5% 3 $85,000 $28,333

    During 2023, Guymon's most frequently originated rate bucket was 6-7%, with 79 originations.

    Loan Sizing (Guymon, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 105 $15,895,000 $151,381
    $100,000 or less 58 $3,310,000 $57,069
    $200k-400k 30 $7,360,000 $245,333
    $400k-600k 4 $1,730,000 $432,500
    $600k-1000k 1 $625,000 $625,000
    $Over $1MM 1 $2,655,000 $2,655,000

    Guymon's loan sizing saw the bucket of loans from $100k-200k with 105 originations, totaling $15,895,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 111 $19,475,000 $175,450
    60-80% 31 $4,795,000 $154,677
    20-40% 21 $1,695,000 $80,714
    Under 20% 18 $880,000 $48,889
    40-60% 15 $1,475,000 $98,333
    Over 100% 2 $600,000 $300,000

    Guymon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 111 originations, totaling $19,475,000 in origination value.