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 6.54% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.45% and one month ago for the week of 2025-02-27, the average rate was 6.86%.

    Guymon's average rate one year ago was 6.89%.

    For refis of the same type during the week of 2025-04-03, the average rate was 7.14%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Guymon 30 Year Fixed Rate 2025-04-03 6.54%
    Guymon 30 Year Fixed Rate Refi 2025-04-03 7.14%
    Guymon 15 Year Fixed Rate 2025-04-03 5.82%
    Guymon 15 Year Fixed Rate Refi 2025-04-03 6.42%
    Guymon 30 Year FHA 2025-04-03 6.36%
    Guymon 30 Year FHA Refi 2025-04-03 6.16%
    Guymon 30 Year USDA 2025-04-03 6.22%
    Guymon 30 Year USDA Refi 2025-04-03 6.12%
    Guymon 30 Year VA 2025-04-03 6.16%
    Guymon 30 Year VA Refi 2025-04-03 6.06%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 11 6.97% $5,959
    Equity Bank 7 6.68% $3,749
    UNITED WHOLESALE MORTGAGE, LLC 4 7.00% $6,269
    PLAZA HOME MORTGAGE, INC. 3 6.83% $8,214
    F & M Bank 2 6.94% $4,794
    FLAT BRANCH MORTGAGE, INC. 1 6.88% $3,346
    JPMorgan Chase Bank 1 6.25% $7,820
    LOANDEPOT.COM, LLC 1 6.99% $7,205
    Mr. Cooper ( Nationstar Mortgage ) 1 8.13% $8,268
    NAVY FEDERAL CREDIT UNION 1 7.25% $4,778
    Paramount Residential Mortgage Group, Inc. 1 6.38% $6,962
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.50% $3,228
    TIB The Independent Bankersbank 1 7.25% $3,860
    Wells Fargo Bank 1 6.88% $7,641
    ASSOCIATED MORTGAGE CORPORATION 1 6.75% $4,436
    ZILLOW HOME LOANS, LLC 1 7.63% $4,838
    BETTER MORTGAGE CORPORATION 1 6.25% $7,820
    BMO Harris Bank 1 7.00% $4,420
    CMG MORTGAGE, INC. 1 7.38% $6,957
    EVERETT FINANCIAL, INC. 1 6.88% $6,147

    Guymon Average Closing Costs & Other Stats

    Guymon, OK's 20 lenders originated 230 loans during 2024. The total origination value was $32,270,000, with an average loan value of $140,304.

    Guymon's average closing costs are $6,177.

    The top Guymon lender as defined by loan originations is QUICKEN LOANS, LLC, with 11 loans originated. Their average total fees are $5,959, which is $2,209 higher than the next largest lender, Equity Bank.

    The lowest fee Guymon lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($5,959), .

    The lowest rate Guymon lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.97%), .

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Equity Bank $11,395,000 $10,305,000 -9.6% 31.9%
    CMG MORTGAGE, INC. $2,120,000 $4,275,000 101.7% 13.2%
    QUICKEN LOANS, LLC $3,630,000 $3,495,000 -3.7% 10.8%
    UNITED WHOLESALE MORTGAGE, LLC $1,420,000 $2,125,000 49.6% 6.6%
    Paramount Residential Mortgage Group, Inc. $1,410,000 $1,530,000 8.5% 4.7%
    PLAZA HOME MORTGAGE, INC. $1,385,000 n/a 4.3%
    F & M Bank $435,000 $1,165,000 167.8% 3.6%
    NEWREZ LLC $555,000 $1,060,000 91.0% 3.3%
    Mr. Cooper ( Nationstar Mortgage ) $620,000 n/a 1.9%
    TIB The Independent Bankersbank $510,000 n/a 1.6%
    Regent Bank $475,000 n/a 1.5%
    LAKEVIEW LOAN SERVICING, LLC $295,000 $375,000 27.1% 1.2%
    Flagstar Bank, FSB $360,000 n/a 1.1%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $330,000 n/a 1.0%
    Wells Fargo Bank $705,000 $315,000 -55.3% 1.0%
    LOANDEPOT.COM, LLC $285,000 n/a 0.9%
    Equity Prime Mortgage LLC $255,000 n/a 0.8%
    LOANPAL, LLC $225,000 n/a 0.7%
    SOUTHWEST STAGE FUNDING, LLC $105,000 $215,000 104.8% 0.7%
    FREEDOM MORTGAGE CORPORATION $205,000 n/a 0.6%
    21ST MORTGAGE CORPORATION $195,000 $200,000 2.6% 0.6%
    ASSOCIATED MORTGAGE CORPORATION $320,000 $195,000 -39.1% 0.6%
    BMO Harris Bank $195,000 n/a 0.6%
    BancFirst $185,000 n/a 0.6%
    BOKF $185,000 n/a 0.6%
    EVERETT FINANCIAL, INC. $185,000 n/a 0.6%
    ZILLOW HOME LOANS, LLC $185,000 n/a 0.6%
    BETTER MORTGAGE CORPORATION $165,000 n/a 0.5%
    FIRST COMMUNITY MORTGAGE, INC. $165,000 n/a 0.5%
    FLAT BRANCH MORTGAGE, INC. $2,140,000 $165,000 -92.3% 0.5%
    JPMorgan Chase Bank $370,000 $165,000 -55.4% 0.5%
    NAVY FEDERAL CREDIT UNION $185,000 $135,000 -27.0% 0.4%
    Mortgage Research Center, LLC $640,000 $130,000 -79.7% 0.4%
    Discover Bank $110,000 n/a 0.3%
    PROVIDENT FUNDING ASSOCIATES, L.P. $95,000 n/a 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $75,000 n/a 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $65,000 n/a 0.2%
    U.S. Bank $35,000 n/a 0.1%

    Guymon's top lender by overall market share is Equity Bank, with 31.9% market share. In second place, with 13.2%, is CMG MORTGAGE, INC., having originated $4,275,000 in loans. In third place, with 10.8%, is QUICKEN LOANS, LLC, having originated $3,495,000 in loans. In fourth place, with 6.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,125,000 in loans. In fifth place, with 4.7%, is Paramount Residential Mortgage Group, Inc., having originated $1,530,000 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
    2024-04-01 $227,500 (5.8%) $272,827 (6.4%) 0.00 34
    2024-05-01 $245,000 (15.3%) $282,187 (11.1%) 0.00 37
    2024-06-01 $240,000 (11.6%) $283,645 (11.0%) 0.00 37
    2024-07-01 $246,000 (14.4%) $286,227 (8.7%) 0.00 36
    2024-08-01 $249,000 (13.2%) $286,568 (12.1%) 0.00 42
    2024-09-01 $246,000 (4.7%) $275,132 (6.5%) 0.00 57
    2024-10-01 $244,000 (3.8%) $268,534 (10.0%) 0.00 59
    2024-11-01 $244,500 (11.1%) $260,928 (14.4%) 0.00 52
    2024-12-01 $248,000 (10.2%) $267,335 (14.7%) 0.00 53
    2025-01-01 $245,000 (8.9%) $266,968 (15.8%) 0.00 52
    2025-02-01 $237,000 (5.3%) $251,130 (2.9%) 0.00 48
    2025-03-01 $235,000 (0.0%) $258,367 (-0.6%) 0.00 39
    Guymon's median listing price for 2025-03-01 was $235,000, a difference of $0 (0.0%) versus the prior year and $-2,000 versus the prior month.

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

    Guymon's average listing price for 2025-03-01 was $258,367, a difference of $-1,542 (-0.6%) versus the prior year and $7,237 versus the prior month.

    For the 2025-03-01 period, Guymon had 39 MLS listings, a difference of -9 listings (-19%) versus the prior month and -3 listings (-7%) 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 2,067 sqft
    2022-09-01 0 days 2,301 sqft
    2022-10-01 0 days 2,016 sqft
    2022-11-01 0 days 2,048 sqft
    2022-12-01 0 days 1,800 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
    2024-04-01 0 days 1,905 sqft
    2024-05-01 0 days 1,901 sqft
    2024-06-01 0 days 1,852 sqft
    2024-07-01 0 days 1,968 sqft
    2024-08-01 0 days 1,832 sqft
    2024-09-01 0 days 1,820 sqft
    2024-10-01 0 days 1,831 sqft
    2024-11-01 0 days 1,872 sqft
    2024-12-01 0 days 1,946 sqft
    2025-01-01 0 days 1,968 sqft
    2025-02-01 0 days 1,904 sqft
    2025-03-01 0 days 2,026 sqft
    Guymon's median listing age (time on market) for 2025-03-01 was 0 days.

    Guymon's median square footage for active listings during the 2025-03-01 period was 2,026 sqft. One year prior, the average listing was 1,790 sqft.

    Guymon, OK Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 141 $24,255,000 $172,021
    Refi 57 $5,615,000 $98,509
    Home Improvement 15 $625,000 $41,667
    Cash Out Refi 11 $1,375,000 $125,000
    Other 6 $400,000 $66,667

    Guymon's most frequently cited loan purpose was Home Purchase, with 141 originations. The 2nd most popular reason was Refi, with 57 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    Over 8% 80 $7,240,000 $90,500
    6-7% 78 $14,560,000 $186,667
    7-8% 31 $3,715,000 $119,839
    5-6% 29 $5,825,000 $200,862
    4-5% 11 $455,000 $41,364

    During 2024, Guymon's most frequently originated rate bucket was Over 8%, with 80 originations.

    Loan Sizing (Guymon, OK MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 99 $15,135,000 $152,879
    $100,000 or less 84 $4,700,000 $55,952
    $200k-400k 45 $11,405,000 $253,444
    $400k-600k 2 $1,030,000 $515,000

    Guymon's loan sizing saw the bucket of loans from $100k-200k with 99 originations, totaling $15,135,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 115 $20,235,000 $175,957
    60-80% 37 $5,185,000 $140,135
    20-40% 29 $2,515,000 $86,724
    40-60% 25 $2,165,000 $86,600
    Under 20% 19 $905,000 $47,632
    Over 100% 2 $580,000 $290,000

    Guymon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 115 originations, totaling $20,235,000 in origination value.