Pampa 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 Pampa averaged 6.58% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.69% and one month ago for the week of 2024-10-10, the average rate was 6.42%.

    Pampa's average rate one year ago was 7.6%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.78%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Pampa 30 Year Fixed Rate 2024-11-14 6.58%
    Pampa 30 Year Fixed Rate Refi 2024-11-14 6.78%
    Pampa 15 Year Fixed Rate 2024-11-14 5.89%
    Pampa 15 Year Fixed Rate Refi 2024-11-14 6.09%
    Pampa 30 Year FHA 2024-11-14 0%
    Pampa 30 Year FHA Refi 2024-11-14 0.1%
    Pampa 30 Year USDA 2024-11-14 0.2%
    Pampa 30 Year USDA Refi 2024-11-14 0.2%
    Pampa 30 Year VA 2024-11-14 -0.1%
    Pampa 30 Year VA Refi 2024-11-14 0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Pampa, TX.

    Pampa 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 Pampa, TX 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
    EUSTIS AND AMERICAN MORTGAGE COMPANY 12 6.97% $5,999
    QUICKEN LOANS, LLC 7 7.34% $5,676
    Amarillo National Bank 7 6.70% $4,127
    RANLIFE, INC. 5 7.07% $4,997
    JPMorgan Chase Bank 3 7.50% $3,721
    TEXAS TECH 3 5.88% $3,134
    Education Credit Union 2 6.10% $1,892
    TEXAS DOW EMPLOYEES CREDIT UNION 2 6.88% $3,008
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.88% $6,647
    Flagstar Bank, FSB 2 7.13% $5,230
    MEMBER HOME LOAN, L.L.C. 2 7.13% $4,171
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.56% $6,202
    S1L, Inc. 1 6.38% $6,121
    Texas Mortgage Lending, LLC 1 5.99% $9,659
    Wells Fargo Bank 1 7.38% $810
    West Gate Bank 1 7.25% $4,024
    AMCAP MORTGAGE, LTD. 1 6.63% $5,462
    Centennial Bank 1 6.25% $7,724
    CMG MORTGAGE, INC. 1 5.88% $6,144
    Discover Bank 1 9.99% $0
    Farm Credit Mid-America, ACA 1 6.75% $8,611
    First United Bank 1 6.75% $5,399
    FREEDOM MORTGAGE CORPORATION 1 6.75% $7,742
    LOANDEPOT.COM, LLC 1 7.13% $7,394
    PENNYMAC LOAN SERVICES, LLC 1 6.13% $6,696
    PHH Mortgage Corporation 1 6.50% $7,362
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.63% $6,695

    Pampa Average Closing Costs & Other Stats

    Pampa, TX's 27 lenders originated 233 loans during 2023. The total origination value was $31,225,000, with an average loan value of $134,013.

    Pampa's average closing costs are $5,254.

    The top Pampa lender as defined by loan originations is EUSTIS AND AMERICAN MORTGAGE COMPANY, with 12 loans originated. Their average total fees are $5,999, which is $323 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Pampa lenders (with over 10 loans originated) are EUSTIS AND AMERICAN MORTGAGE COMPANY ($5,999), .

    The lowest rate Pampa lenders (with over 10 loans originated) are EUSTIS AND AMERICAN MORTGAGE COMPANY (6.97%), .

    Pampa, TX 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
    FirstBank Southwest $5,125,000 $4,250,000 -17.1% 13.6%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $7,030,000 $3,915,000 -44.3% 12.5%
    QUICKEN LOANS, LLC $2,920,000 $2,120,000 -27.4% 6.8%
    Amarillo National Bank $1,820,000 $1,725,000 -5.2% 5.5%
    RANLIFE, INC. $1,245,000 $1,075,000 -13.7% 3.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $435,000 $1,035,000 137.9% 3.3%
    Centennial Bank $5,995,000 $1,020,000 -83.0% 3.3%
    21ST MORTGAGE CORPORATION $455,000 $730,000 60.4% 2.3%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $705,000 n/a 2.3%
    Flagstar Bank, FSB $290,000 $705,000 143.1% 2.3%
    AMCAP MORTGAGE, LTD. $1,910,000 $665,000 -65.2% 2.1%
    Mortgage Research Center, LLC $1,840,000 $595,000 -67.7% 1.9%
    JPMorgan Chase Bank $220,000 $535,000 143.2% 1.7%
    First Financial Bank $525,000 n/a 1.7%
    ACADEMY MORTGAGE CORPORATION $275,000 $520,000 89.1% 1.7%
    EVERETT FINANCIAL, INC. $55,000 $475,000 763.6% 1.5%
    S1L, Inc. $365,000 $395,000 8.2% 1.3%
    UNITED WHOLESALE MORTGAGE, LLC $385,000 n/a 1.2%
    First United Bank $165,000 $380,000 130.3% 1.2%
    Texas Mortgage Lending, LLC $365,000 n/a 1.2%
    CARDINAL FINANCIAL $355,000 n/a 1.1%
    Farm Credit Mid-America, ACA $345,000 n/a 1.1%
    TRIAD FINANCIAL SERVICES, INC. $340,000 n/a 1.1%
    Education Credit Union $390,000 $335,000 -14.1% 1.1%
    AMARILLO COMMUNITY $360,000 $290,000 -19.4% 0.9%
    NATIONS RELIABLE LENDING, LLC $815,000 $285,000 -65.0% 0.9%
    West Gate Bank $285,000 n/a 0.9%
    TEXAS TECH $95,000 $275,000 189.5% 0.9%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $145,000 $270,000 86.2% 0.9%
    First National Bank Texas $260,000 n/a 0.8%
    VANDERBILT MORTGAGE AND FINANCE, INC. $205,000 $255,000 24.4% 0.8%
    DAS Acquisition Company, LLC $75,000 $215,000 186.7% 0.7%
    Barrington Bank & Trust Company, N.A. $25,000 $210,000 740.0% 0.7%
    CMG MORTGAGE, INC. $205,000 n/a 0.7%
    CHURCHILL MORTGAGE CORPORATION $200,000 n/a 0.6%
    Alliance Credit Union $195,000 n/a 0.6%
    First Federal Bank $195,000 n/a 0.6%
    FREEDOM MORTGAGE CORPORATION $75,000 $195,000 160.0% 0.6%
    The Federal Savings Bank $185,000 n/a 0.6%
    GUARANTEED RATE, INC. $175,000 n/a 0.6%
    LOANDEPOT.COM, LLC $260,000 $175,000 -32.7% 0.6%
    TEXAS DOW EMPLOYEES CREDIT UNION $330,000 $170,000 -48.5% 0.5%
    PENNYMAC LOAN SERVICES, LLC $250,000 $165,000 -34.0% 0.5%
    MEMBER HOME LOAN, L.L.C. $610,000 $160,000 -73.8% 0.5%
    BROKER SOLUTIONS, INC. $125,000 $150,000 20.0% 0.5%
    PHH Mortgage Corporation $145,000 n/a 0.5%
    Truist $145,000 n/a 0.5%
    VILLAGE CAPITAL MORTGAGE $135,000 n/a 0.4%
    AMERISAVE MORTGAGE CORPORATION $375,000 $125,000 -66.7% 0.4%
    ASSOCIATED MORTGAGE CORPORATION $225,000 $125,000 -44.4% 0.4%
    Equity Prime Mortgage LLC $115,000 n/a 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $105,000 n/a 0.3%
    JMAC LENDING, INC. $85,000 n/a 0.3%
    LENDINGHOME FUNDING CORPORATION $85,000 n/a 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $85,000 n/a 0.3%
    Wells Fargo Bank $190,000 $85,000 -55.3% 0.3%
    Herring Bank $65,000 n/a 0.2%
    Servion, Inc. $55,000 n/a 0.2%
    Discover Bank $35,000 n/a 0.1%

    Pampa's top lender by overall market share is FirstBank Southwest, with 13.6% market share. In second place, with 12.5%, is EUSTIS AND AMERICAN MORTGAGE COMPANY, having originated $3,915,000 in loans. In third place, with 6.8%, is QUICKEN LOANS, LLC, having originated $2,120,000 in loans. In fourth place, with 5.5%, is Amarillo National Bank, having originated $1,725,000 in loans. In fifth place, with 3.4%, is RANLIFE, INC., having originated $1,075,000 in loans.

    Pampa Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Pampa (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 $117,500 (30.2%) $133,919 (9.0%) 0.00 133
    2018-02-01 $113,475 (21.0%) $132,821 (6.4%) 0.00 148
    2018-03-01 $116,800 (16.5%) $137,527 (6.7%) 0.00 144
    2018-04-01 $124,600 (14.9%) $141,561 (5.2%) 0.00 145
    2018-05-01 $125,500 (11.1%) $144,244 (6.5%) 0.00 143
    2018-06-01 $129,900 (13.0%) $148,675 (9.8%) 0.00 143
    2018-07-01 $128,000 (9.4%) $147,133 (9.4%) 0.00 161
    2018-08-01 $129,675 (11.3%) $148,696 (13.6%) 0.00 167
    2018-09-01 $126,400 (9.9%) $146,555 (10.2%) 0.00 156
    2018-10-01 $122,000 (8.9%) $133,988 (0.2%) 0.00 157
    2018-11-01 $118,500 (3.0%) $131,723 (-2.8%) 0.00 153
    2018-12-01 $119,900 (4.3%) $134,258 (-1.0%) 0.00 145
    2019-01-01 $117,625 (0.1%) $130,927 (-2.2%) 0.00 139
    2019-02-01 $115,000 (1.3%) $127,009 (-4.4%) 0.00 137
    2019-03-01 $117,107 (0.3%) $133,141 (-3.2%) 0.00 139
    2019-04-01 $117,857 (-5.4%) $138,060 (-2.5%) 0.00 139
    2019-05-01 $109,225 (-13.0%) $136,623 (-5.3%) 0.00 145
    2019-06-01 $106,000 (-18.4%) $132,338 (-11.0%) 0.00 155
    2019-07-01 $115,125 (-10.1%) $136,900 (-7.0%) 0.00 158
    2019-08-01 $114,864 (-11.4%) $138,571 (-6.8%) 0.00 157
    2019-09-01 $114,659 (-9.3%) $141,391 (-3.5%) 0.00 156
    2019-10-01 $114,523 (-6.1%) $143,270 (6.9%) 0.00 154
    2019-11-01 $112,000 (-5.5%) $140,755 (6.9%) 0.00 146
    2019-12-01 $111,000 (-7.4%) $136,488 (1.7%) 0.00 146
    2020-01-01 $105,500 (-10.3%) $132,873 (1.5%) 0.00 141
    2020-02-01 $100,000 (-13.0%) $130,366 (2.6%) 0.00 141
    2020-03-01 $107,250 (-8.4%) $133,018 (-0.1%) 0.00 137
    2020-04-01 $101,760 (-13.7%) $129,085 (-6.5%) 0.00 137
    2020-05-01 $109,500 (0.3%) $134,553 (-1.5%) 0.00 133
    2020-06-01 $92,925 (-12.3%) $129,234 (-2.4%) 0.00 139
    2020-07-01 $89,700 (-22.1%) $124,639 (-9.0%) 0.00 131
    2020-08-01 $91,450 (-20.4%) $126,537 (-8.7%) 0.00 130
    2020-09-01 $103,750 (-9.5%) $128,262 (-9.3%) 0.00 125
    2020-10-01 $105,000 (-8.3%) $130,052 (-9.2%) 0.00 112
    2020-11-01 $115,000 (2.7%) $134,495 (-4.5%) 0.00 110
    2020-12-01 $116,125 (4.6%) $134,579 (-1.4%) 0.00 106
    2021-01-01 $125,000 (18.5%) $139,240 (4.8%) 0.00 103
    2021-02-01 $122,500 (22.5%) $141,260 (8.4%) 0.00 87
    2021-03-01 $117,500 (9.6%) $142,856 (7.4%) 0.00 76
    2021-04-01 $122,500 (20.4%) $144,279 (11.8%) 0.00 68
    2021-05-01 $119,950 (9.5%) $149,590 (11.2%) 0.00 58
    2021-06-01 $130,500 (40.4%) $158,620 (22.7%) 0.00 59
    2021-07-01 $130,000 (44.9%) $150,298 (20.6%) 0.00 60
    2021-08-01 $119,225 (30.4%) $131,847 (4.2%) 0.00 67
    2021-09-01 $127,200 (22.6%) $145,689 (13.6%) 0.00 67
    2021-10-01 $130,750 (24.5%) $160,295 (23.3%) 0.00 71
    2021-11-01 $142,500 (23.9%) $203,798 (51.5%) 0.00 61
    2021-12-01 $123,625 (6.5%) $194,774 (44.7%) 0.00 57
    2022-01-01 $120,000 (-4.0%) $188,444 (35.3%) 0.00 53
    2022-02-01 $110,000 (-10.2%) $161,904 (14.6%) 0.00 44
    2022-03-01 $95,500 (-18.7%) $140,978 (-1.3%) 0.00 43
    2022-04-01 $100,000 (-18.4%) $142,312 (-1.4%) 0.00 39
    2022-05-01 $120,344 (0.3%) $159,577 (6.7%) 0.00 45
    2022-06-01 $135,000 (3.5%) $157,685 (-0.6%) 0.00 50
    2022-07-01 $131,175 (0.9%) $154,156 (2.6%) 0.00 59
    2022-08-01 $120,625 (1.2%) $150,165 (13.9%) 0.00 55
    2022-09-01 $128,700 (1.2%) $155,514 (6.7%) 0.00 44
    2022-10-01 $135,000 (3.3%) $166,016 (3.6%) 0.00 57
    2022-11-01 $137,450 (-3.5%) $172,963 (-15.1%) 0.00 65
    2022-12-01 $145,000 (17.3%) $178,627 (-8.3%) 0.00 62
    2023-01-01 $148,000 (23.3%) $182,793 (-3.0%) 0.00 61
    2023-02-01 $165,725 (50.7%) $188,689 (16.5%) 0.00 62
    2023-03-01 $149,250 (56.3%) $177,350 (25.8%) 0.00 59
    2023-04-01 $134,950 (35.0%) $180,324 (26.7%) 0.00 52
    2023-05-01 $150,275 (24.9%) $197,934 (24.0%) 0.00 41
    2023-06-01 $176,075 (30.4%) $216,549 (37.3%) 0.00 46
    2023-07-01 $159,200 (21.4%) $208,664 (35.4%) 0.00 44
    2023-08-01 $164,225 (36.2%) $203,828 (35.7%) 0.00 44
    2023-09-01 $144,400 (12.2%) $186,157 (19.7%) 0.00 41
    2023-10-01 $146,225 (8.3%) $187,810 (13.1%) 0.00 49
    2023-11-01 $151,225 (10.0%) $201,023 (16.2%) 0.00 58
    2023-12-01 $149,950 (3.4%) $201,705 (12.9%) 0.00 55
    2024-01-01 $146,450 (-1.1%) $192,278 (5.2%) 0.00 61
    2024-02-01 $157,425 (-5.0%) $205,500 (8.9%) 0.00 53
    2024-03-01 $175,000 (17.3%) $213,228 (20.2%) 0.00 53
    2024-04-01 $169,000 (25.2%) $217,328 (20.5%) 0.00 63
    2024-05-01 $149,850 (-0.3%) $207,405 (4.8%) 0.00 68
    2024-06-01 $151,250 (-14.1%) $194,946 (-10.0%) 0.00 82
    2024-07-01 $149,625 (-6.0%) $183,055 (-12.3%) 0.00 90
    2024-08-01 $149,900 (-8.7%) $182,093 (-10.7%) 0.00 101
    2024-09-01 $149,925 (3.8%) $181,109 (-2.7%) 0.00 100
    2024-10-01 $149,975 (2.6%) $184,388 (-1.8%) 0.00 102
    Pampa's median listing price for 2024-10-01 was $149,975, a difference of $3,750 (2.6%) versus the prior year and $50 versus the prior month.

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

    Pampa's average listing price for 2024-10-01 was $184,388, a difference of $-3,422 (-1.8%) versus the prior year and $3,279 versus the prior month.

    For the 2024-10-01 period, Pampa had 102 MLS listings, a difference of 2 listings (2%) versus the prior month and 53 listings (108%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pampa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,794 sqft
    2018-02-01 0 days 1,741 sqft
    2018-03-01 0 days 1,740 sqft
    2018-04-01 0 days 1,786 sqft
    2018-05-01 0 days 1,739 sqft
    2018-06-01 0 days 1,789 sqft
    2018-07-01 0 days 1,814 sqft
    2018-08-01 0 days 1,815 sqft
    2018-09-01 0 days 1,833 sqft
    2018-10-01 0 days 1,786 sqft
    2018-11-01 0 days 1,768 sqft
    2018-12-01 0 days 1,733 sqft
    2019-01-01 0 days 1,649 sqft
    2019-02-01 0 days 1,601 sqft
    2019-03-01 0 days 1,651 sqft
    2019-04-01 0 days 1,695 sqft
    2019-05-01 0 days 1,678 sqft
    2019-06-01 0 days 1,606 sqft
    2019-07-01 0 days 1,634 sqft
    2019-08-01 0 days 1,621 sqft
    2019-09-01 0 days 1,646 sqft
    2019-10-01 0 days 1,667 sqft
    2019-11-01 0 days 1,675 sqft
    2019-12-01 0 days 1,665 sqft
    2020-01-01 0 days 1,609 sqft
    2020-02-01 0 days 1,622 sqft
    2020-03-01 0 days 1,633 sqft
    2020-04-01 0 days 1,565 sqft
    2020-05-01 0 days 1,665 sqft
    2020-06-01 0 days 1,555 sqft
    2020-07-01 0 days 1,530 sqft
    2020-08-01 0 days 1,548 sqft
    2020-09-01 0 days 1,553 sqft
    2020-10-01 0 days 1,527 sqft
    2020-11-01 0 days 1,553 sqft
    2020-12-01 0 days 1,570 sqft
    2021-01-01 0 days 1,633 sqft
    2021-02-01 0 days 1,616 sqft
    2021-03-01 0 days 1,678 sqft
    2021-04-01 0 days 1,569 sqft
    2021-05-01 0 days 1,533 sqft
    2021-06-01 0 days 1,551 sqft
    2021-07-01 0 days 1,601 sqft
    2021-08-01 0 days 1,440 sqft
    2021-09-01 0 days 1,595 sqft
    2021-10-01 0 days 1,608 sqft
    2021-11-01 0 days 1,701 sqft
    2021-12-01 0 days 1,622 sqft
    2022-01-01 0 days 1,582 sqft
    2022-02-01 0 days 1,587 sqft
    2022-03-01 0 days 1,528 sqft
    2022-04-01 0 days 1,529 sqft
    2022-05-01 0 days 1,649 sqft
    2022-06-01 0 days 1,654 sqft
    2022-07-01 0 days 1,609 sqft
    2022-08-01 0 days 1,574 sqft
    2022-09-01 0 days 1,559 sqft
    2022-10-01 0 days 1,619 sqft
    2022-11-01 0 days 1,775 sqft
    2022-12-01 0 days 1,721 sqft
    2023-01-01 0 days 1,743 sqft
    2023-02-01 0 days 1,878 sqft
    2023-03-01 0 days 1,714 sqft
    2023-04-01 0 days 1,595 sqft
    2023-05-01 0 days 1,644 sqft
    2023-06-01 0 days 1,965 sqft
    2023-07-01 0 days 1,597 sqft
    2023-08-01 0 days 1,675 sqft
    2023-09-01 0 days 1,560 sqft
    2023-10-01 0 days 1,619 sqft
    2023-11-01 0 days 1,648 sqft
    2023-12-01 0 days 1,648 sqft
    2024-01-01 0 days 1,620 sqft
    2024-02-01 0 days 1,637 sqft
    2024-03-01 0 days 1,682 sqft
    2024-04-01 0 days 1,882 sqft
    2024-05-01 0 days 1,711 sqft
    2024-06-01 0 days 1,666 sqft
    2024-07-01 0 days 1,587 sqft
    2024-08-01 0 days 1,538 sqft
    2024-09-01 0 days 1,576 sqft
    2024-10-01 0 days 1,594 sqft
    Pampa's median listing age (time on market) for 2024-10-01 was 0 days.

    Pampa's median square footage for active listings during the 2024-10-01 period was 1,594 sqft. One year prior, the average listing was 1,619 sqft.

    Pampa, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 185 $26,115,000 $141,162
    Cash Out Refi 17 $1,655,000 $97,353
    Refi 14 $1,740,000 $124,286
    Other 9 $1,105,000 $122,778
    Home Improvement 8 $610,000 $76,250

    Pampa's most frequently cited loan purpose was Home Purchase, with 185 originations. The 2nd most popular reason was Cash Out Refi, with 17 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 78 $12,590,000 $161,410
    7-8% 52 $7,240,000 $139,231
    Over 8% 35 $3,875,000 $110,714
    5-6% 20 $2,760,000 $138,000
    <2.5% 4 $20,000 $5,000
    4-5% 2 $380,000 $190,000
    2.5-3% 1 $45,000 $45,000

    During 2023, Pampa's most frequently originated rate bucket was 6-7%, with 78 originations.

    Loan Sizing (Pampa, TX MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 99 $14,305,000 $144,495
    $100,000 or less 97 $5,865,000 $60,464
    $200k-400k 32 $8,550,000 $267,188
    $400k-600k 4 $1,850,000 $462,500
    $600k-1000k 1 $655,000 $655,000

    Pampa's loan sizing saw the bucket of loans from $100k-200k with 99 originations, totaling $14,305,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 127 $19,805,000 $155,945
    60-80% 37 $5,015,000 $135,541
    40-60% 10 $960,000 $96,000
    Under 20% 10 $400,000 $40,000
    20-40% 6 $370,000 $61,667
    Over 100% 2 $360,000 $180,000

    Pampa's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 127 originations, totaling $19,805,000 in origination value.