Guymon Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Guymon averaged 7.08% for the week of 2026-11-05, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2026-10-29) was 7.34% and one month ago for the week of 2026-10-01, the average rate was 7.28%.

Guymon's average rate one year ago was 6.27%.

For refis of the same type during the week of 2026-11-05, the average rate was 7.48%.

Loan Type Date Rate
US 30 Year Fixed Rate 2026-11-05 7.18%
Guymon 30 Year Fixed Rate 2026-11-05 7.08%
Guymon 30 Year Fixed Rate Refi 2026-11-05 7.48%
Guymon 15 Year Fixed Rate 2026-11-05 6.37%
Guymon 15 Year Fixed Rate Refi 2026-11-05 7.17%
Guymon 30 Year FHA 2026-11-05 6.72%
Guymon 30 Year FHA Refi 2026-11-05 6.93%
Guymon 30 Year USDA 2026-11-05 6.9%
Guymon 30 Year USDA Refi 2026-11-05 7%
Guymon 30 Year VA 2026-11-05 6.56%
Guymon 30 Year VA Refi 2026-11-05 6.66%
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 2025 Avg. 30yFix Rate 2025 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 12 6.44% $6,568
QUICKEN LOANS, LLC 10 7.17% $7,544
CMG MORTGAGE, INC. 5 6.40% $7,698
Equity Bank 4 5.88% $4,236
F & M Bank 3 6.54% $4,455
GUILD MORTGAGE COMPANY 3 6.58% $5,802
TIB The Independent Bankersbank 2 7.06% $6,707
Century Mortgage Company DBA Century Lending Company 1 6.38% $8,855
AMERICAN FINANCING CORPORATION 1 5.99% $8,011
AMERISAVE MORTGAGE CORPORATION 1 6.00% $8,868
Mortgage Research Center, LLC 1 5.75% $10,577
NEWREZ LLC 1 6.88% $4,708
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.13% $6,682
Centennial Bank 1 6.13% $4,524
Deere Employees Credit Union 1 5.49% $4,014
Citizens Bank 1 6.38% $4,289

Guymon Average Closing Costs & Other Stats

Guymon, OK's 16 lenders originated 245 loans during 2025. The total origination value was $41,965,000, with an average loan value of $171,286.

Guymon's average closing costs are $6,458.

The top Guymon lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 12 loans originated. Their average total fees are $6,568, which is $976 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Guymon lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($6,568), QUICKEN LOANS, LLC ($7,544), .

The lowest rate Guymon lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.44%), QUICKEN LOANS, LLC (7.17%), .

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 2024 Loan Value 2025 Loan Value % Change 2025 Market Share
CMG MORTGAGE, INC. $4,275,000 $9,565,000 123.7% 22.8%
Equity Bank $10,305,000 $6,595,000 -36.0% 15.7%
UNITED WHOLESALE MORTGAGE, LLC $2,125,000 $4,725,000 122.4% 11.3%
QUICKEN LOANS, LLC $3,495,000 $4,440,000 27.0% 10.6%
American Nation Bank $2,755,000 n/a 6.6%
Equity Prime Mortgage LLC $255,000 $1,870,000 633.3% 4.5%
GUILD MORTGAGE COMPANY $1,315,000 n/a 3.1%
Centennial Bank $1,300,000 n/a 3.1%
F & M Bank $1,165,000 $955,000 -18.0% 2.3%
NEWREZ LLC $1,060,000 $730,000 -31.1% 1.7%
TIB The Independent Bankersbank $510,000 $675,000 32.4% 1.6%
NAVY FEDERAL CREDIT UNION $135,000 $645,000 377.8% 1.5%
FREEDOM MORTGAGE CORPORATION $205,000 $610,000 197.6% 1.5%
Century Mortgage Company DBA Century Lending Company $510,000 n/a 1.2%
SOUTHWEST STAGE FUNDING, LLC $215,000 $480,000 123.3% 1.1%
TRIAD FINANCIAL SERVICES, INC. $465,000 n/a 1.1%
LAKEVIEW LOAN SERVICING, LLC $375,000 $415,000 10.7% 1.0%
AMERICAN FINANCIAL RESOURCES, INC. $400,000 n/a 1.0%
Mortgage Research Center, LLC $130,000 $380,000 192.3% 0.9%
U.S. Bank $35,000 $295,000 742.9% 0.7%
BROKER SOLUTIONS, INC. $280,000 n/a 0.7%
Deere Employees Credit Union $245,000 n/a 0.6%
TTCU Federal Credit Union $235,000 n/a 0.6%
BETTER MORTGAGE CORPORATION $165,000 $205,000 24.2% 0.5%
Sierra Pacific Mortgage Company, Inc. $205,000 n/a 0.5%
AMERICAN FINANCING CORPORATION $195,000 n/a 0.5%
PRIMARY RESIDENTIAL MORTGAGE, INC. $165,000 n/a 0.4%
Figure Lending LLC $155,000 n/a 0.4%
CREDIT HUMAN FEDERAL CREDIT UNION $135,000 n/a 0.3%
Citizens Bank $125,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $125,000 n/a 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $65,000 $125,000 92.3% 0.3%
AMERISAVE MORTGAGE CORPORATION $105,000 n/a 0.3%
Coastal Community Bank $100,000 n/a 0.2%
LOANDEPOT.COM, LLC $285,000 $85,000 -70.2% 0.2%
WEOKIE $65,000 n/a 0.2%
SPRING EQ, LLC $55,000 n/a 0.1%

Guymon's top lender by overall market share is CMG MORTGAGE, INC., with 22.8% market share. In second place, with 15.7%, is Equity Bank, having originated $6,595,000 in loans. In third place, with 11.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $4,725,000 in loans. In fourth place, with 10.6%, is QUICKEN LOANS, LLC, having originated $4,440,000 in loans. In fifth place, with 6.6%, is American Nation Bank, having originated $2,755,000 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 $247,000 (5.1%) $276,456 (7.0%) 0.00 57
2024-10-01 $235,475 (0.2%) $264,177 (8.2%) 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
2025-04-01 $247,000 (8.6%) $261,783 (-4.1%) 0.00 38
2025-05-01 $260,000 (6.1%) $275,609 (-2.3%) 0.00 32
2025-06-01 $256,250 (6.8%) $272,573 (-3.9%) 0.00 42
2025-07-01 $263,750 (7.2%) $278,333 (-2.8%) 0.00 51
2025-08-01 $260,000 (4.4%) $274,714 (-4.1%) 0.00 50
2025-09-01 $252,500 (2.2%) $273,613 (-1.0%) 0.00 53
2025-10-01 $256,250 (8.8%) $272,123 (3.0%) 0.00 50
2025-11-01 $252,500 (3.3%) $269,368 (3.2%) 0.00 45
2025-12-01 $250,000 (0.8%) $271,174 (1.4%) 0.00 41
2026-01-01 $270,000 (10.2%) $267,035 (0.0%) 0.00 35
2026-02-01 $270,000 (13.9%) $264,282 (5.2%) 0.00 34
2026-03-01 $261,250 (11.2%) $256,061 (-0.9%) 0.00 35
2026-04-01 $249,500 (1.0%) $247,014 (-5.6%) 0.00 39
2026-05-01 $249,000 (-4.2%) $246,024 (-10.7%) 0.00 38
2026-06-01 $240,500 (-6.2%) $253,352 (-7.1%) 0.00 43
2026-07-01 $240,000 (-9.0%) $242,489 (-12.9%) 0.00 45
2026-08-01 $239,000 (-8.1%) $254,298 (-7.4%) 0.00 48
2026-09-01 $236,000 (-6.5%) $255,371 (-6.7%) 0.00 51
2026-10-01 $239,000 (-6.7%) $257,872 (-5.2%) 0.00 54
Guymon's median listing price for 2026-10-01 was $239,000, a difference of $-17,250 (-6.7%) versus the prior year and $3,000 versus the prior month.

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

Guymon's average listing price for 2026-10-01 was $257,872, a difference of $-14,251 (-5.2%) versus the prior year and $2,501 versus the prior month.

For the 2026-10-01 period, Guymon had 54 MLS listings, a difference of 3 listings (6%) versus the prior month and 4 listings (8%) 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 1,901 sqft
2024-08-01 0 days 1,824 sqft
2024-09-01 0 days 1,820 sqft
2024-10-01 0 days 1,823 sqft
2024-11-01 0 days 1,867 sqft
2024-12-01 0 days 1,913 sqft
2025-01-01 0 days 1,914 sqft
2025-02-01 0 days 1,867 sqft
2025-03-01 0 days 2,026 sqft
2025-04-01 0 days 2,021 sqft
2025-05-01 0 days 2,045 sqft
2025-06-01 0 days 1,945 sqft
2025-07-01 0 days 1,794 sqft
2025-08-01 0 days 1,779 sqft
2025-09-01 0 days 1,858 sqft
2025-10-01 0 days 1,855 sqft
2025-11-01 0 days 1,825 sqft
2025-12-01 0 days 1,785 sqft
2026-01-01 0 days 1,884 sqft
2026-02-01 0 days 1,762 sqft
2026-03-01 0 days 1,717 sqft
2026-04-01 0 days 1,745 sqft
2026-05-01 0 days 1,794 sqft
2026-06-01 0 days 1,787 sqft
2026-07-01 0 days 1,794 sqft
2026-08-01 0 days 1,714 sqft
2026-09-01 0 days 1,722 sqft
2026-10-01 0 days 1,814 sqft
Guymon's median listing age (time on market) for 2026-10-01 was 0 days.

Guymon's median square footage for active listings during the 2026-10-01 period was 1,814 sqft. One year prior, the average listing was 1,855 sqft.

Guymon, OK Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 150 $27,000,000 $180,000
Refi 51 $9,595,000 $188,137
Cash Out Refi 28 $4,190,000 $149,643
Other 12 $1,020,000 $85,000
Home Improvement 4 $160,000 $40,000

Guymon's most frequently cited loan purpose was Home Purchase, with 150 originations. The 2nd most popular reason was Refi, with 51 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 78 $14,860,000 $190,513
5-6% 65 $12,475,000 $191,923
7-8% 55 $7,305,000 $132,818
Over 8% 35 $4,025,000 $115,000
4-5% 9 $535,000 $59,444
<2.5% 2 $10,000 $5,000

During 2025, Guymon's most frequently originated rate bucket was 6-7%, with 78 originations.

Loan Sizing (Guymon, OK MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 112 $16,550,000 $147,768
$200k-400k 64 $16,190,000 $252,969
$100,000 or less 62 $3,630,000 $58,548
$400k-600k 5 $2,085,000 $417,000
$600k-1000k 1 $755,000 $755,000
$Over $1MM 1 $2,755,000 $2,755,000

Guymon's loan sizing saw the bucket of loans from $100k-200k with 112 originations, totaling $16,550,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 135 $26,065,000 $193,074
60-80% 40 $5,300,000 $132,500
20-40% 27 $1,935,000 $71,667
40-60% 22 $3,030,000 $137,727
Under 20% 13 $1,475,000 $113,462
Over 100% 3 $675,000 $225,000

Guymon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 135 originations, totaling $26,065,000 in origination value.