Guymon Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Guymon averaged
6.71%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.74% and
one month ago for the week of 2025-05-15, the
average rate was 6.71%.
Guymon's average rate one year ago was 6.75%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Guymon 30 Year Fixed Rate | 2025-06-18 | 6.71% |
| Guymon 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Guymon 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Guymon 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Guymon 30 Year FHA | 2025-06-18 | 0% |
| Guymon 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Guymon 30 Year USDA | 2025-06-18 | 0.2% |
| Guymon 30 Year USDA Refi | 2025-06-18 | 0% |
| Guymon 30 Year VA | 2025-06-18 | -0.1% |
| Guymon 30 Year VA Refi | 2025-06-18 | 0% |
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, 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.