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 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%
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, 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.