Pampa Mortgage Rates

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

30 Year Fixed Rate mortgages in Pampa averaged 6.09% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.2% and one month ago for the week of 2022-05-26, the average rate was 5.59%.

Pampa's average rate one year ago was 3.62%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.7%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Pampa 30 Year Fixed Rate 2022-06-30 6.09%
Pampa 30 Year Fixed Rate Refi 2022-06-30 5.7%
Pampa 15 Year Fixed Rate 2022-06-30 6.3%
Pampa 15 Year Fixed Rate Refi 2022-06-30 5.26%
Pampa 30 Year FHA 2022-06-30 6.07%
Pampa 30 Year FHA Refi 2022-06-30 5.71%
Pampa 30 Year USDA 2022-06-30 5.76%
Pampa 30 Year VA 2022-06-30 5.66%
Pampa 30 Year VA Refi 2022-06-30 5.41%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Amarillo National Bank 17 3.46% $3,319
EUSTIS AND AMERICAN MORTGAGE COMPANY 13 3.13% $5,124
Happy State Bank 9 4.00% $3,548
QUICKEN LOANS, LLC 7 3.43% $4,493
RANLIFE, INC. 5 3.18% $5,840
CALIBER HOME LOANS, INC. 3 3.10% $5,808
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.16% $4,056
TEXAS DOW EMPLOYEES CREDIT UNION 2 3.88% $3,939
BETTER MORTGAGE CORPORATION 2 2.69% $4,829
Trinity Oaks Mortgage, LLC 2 3.31% $4,439
AMCAP MORTGAGE, LTD. 2 3.56% $5,158
ROYAL UNITED MORTGAGE LLC 2 3.56% $5,354
First Bank & Trust 2 4.13% $4,183
NEWREZ LLC 1 2.99% $3,919
PENNYMAC LOAN SERVICES, LLC 1 3.63% $4,145
SECURITY SERVICE 1 2.88% $1,350
THRIVE MORTGAGE, LLC 1 3.13% $4,302
Truist Bank 1 3.10% $2,781
UNITED WHOLESALE MORTGAGE, LLC 1 3.00% $7,334
Access Community Credit Union 1 3.63% $3,825
Wells Fargo Bank 1 2.75% $3,999
AMARILLO COMMUNITY 1 3.75% $4,716
American Momentum Bank 1 3.13% $4,078
BROKER SOLUTIONS, INC. 1 3.25% $3,520
CHURCHILL MORTGAGE CORPORATION 1 3.50% $4,123
Colonial Savings, F.A. 1 3.00% $4,450
ENDEAVOR CAPITAL, LLC. 1 4.13% $6,176
First United Bank and Trust Company 1 3.00% $3,752
GUARANTEED RATE, INC. 1 3.50% $3,250
HOME POINT FINANCIAL CORPORATION 1 2.88% $5,193
HOMETRUST MORTGAGE COMPANY 1 3.13% $3,537
JPMorgan Chase Bank 1 3.38% $2,619
NAVY FEDERAL CREDIT UNION 1 4.88% $5,266

Pampa, TX's 33 lenders originated 402 loans during 2021. The total origination value was $55,150,000, with an average loan value of $137,189.

The top Pampa lender as defined by loan originations is Amarillo National Bank, with 17 loans originated. Their average total fees are $3,319, which is $1,804 lower than the next largest lender, EUSTIS AND AMERICAN MORTGAGE COMPANY.

The lowest fee Pampa lenders (with over 10 loans originated) are Amarillo National Bank ($3,319), EUSTIS AND AMERICAN MORTGAGE COMPANY ($5,124), .

The lowest rate Pampa lenders (with over 10 loans originated) are EUSTIS AND AMERICAN MORTGAGE COMPANY (3.13%), Amarillo National Bank (3.46%), .

Pampa, TX Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
FirstBank Southwest $6,615,000 $6,970,000 5.4% 12.6%
Amarillo National Bank $3,950,000 $5,295,000 34.1% 9.6%
EUSTIS AND AMERICAN MORTGAGE COMPANY $3,225,000 $5,105,000 58.3% 9.3%
First Bank & Trust $320,000 $4,680,000 1,362.5% 8.5%
QUICKEN LOANS, LLC $4,230,000 $3,435,000 -18.8% 6.2%
Happy State Bank $3,005,000 $3,210,000 6.8% 5.8%
AMCAP MORTGAGE, LTD. $275,000 $3,140,000 1,041.8% 5.7%
Bank of the West $2,255,000 n/a 4.1%
Mortgage Research Center, LLC $1,265,000 $2,090,000 65.2% 3.8%
First National Bank Texas $75,000 $1,505,000 1,906.7% 2.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY $510,000 $1,145,000 124.5% 2.1%
CALIBER HOME LOANS, INC. $380,000 $925,000 143.4% 1.7%
RANLIFE, INC. $745,000 $880,000 18.1% 1.6%
BETTER MORTGAGE CORPORATION $435,000 $740,000 70.1% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $640,000 n/a 1.2%
FREEDOM MORTGAGE CORPORATION $970,000 $625,000 -35.6% 1.1%
NEWREZ LLC $240,000 $510,000 112.5% 0.9%
ASSOCIATED MORTGAGE CORPORATION $360,000 $500,000 38.9% 0.9%
21ST MORTGAGE CORPORATION $450,000 $440,000 -2.2% 0.8%
PENNYMAC LOAN SERVICES, LLC $750,000 $420,000 -44.0% 0.8%
AMARILLO COMMUNITY $55,000 $385,000 600.0% 0.7%
Trinity Oaks Mortgage, LLC $380,000 n/a 0.7%
UNITED WHOLESALE MORTGAGE, LLC $370,000 n/a 0.7%
NATIONS RELIABLE LENDING, LLC $235,000 $345,000 46.8% 0.6%
INFINITY MORTGAGE HOLDINGS, LLC $220,000 $320,000 45.5% 0.6%
AmeriHome Mortgage Company, LLC $165,000 $300,000 81.8% 0.5%
HOME POINT FINANCIAL CORPORATION $75,000 $295,000 293.3% 0.5%
CHURCHILL MORTGAGE CORPORATION $300,000 $270,000 -10.0% 0.5%
Wells Fargo Bank $390,000 $265,000 -32.1% 0.5%
American Momentum Bank $300,000 $245,000 -18.3% 0.4%
Access Community Credit Union $120,000 $240,000 100.0% 0.4%
PLAZA HOME MORTGAGE, INC. $240,000 n/a 0.4%
TEXAS DOW EMPLOYEES CREDIT UNION $240,000 n/a 0.4%
ROYAL UNITED MORTGAGE LLC $235,000 n/a 0.4%
Austin Capital Bank SSB $225,000 n/a 0.4%
ENDEAVOR CAPITAL, LLC. $225,000 n/a 0.4%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $215,000 n/a 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $215,000 $215,000 0.0% 0.4%
NAVY FEDERAL CREDIT UNION $210,000 n/a 0.4%
First United Bank and Trust Company $195,000 n/a 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $165,000 $190,000 15.2% 0.3%
GUARANTEED RATE, INC. $185,000 $190,000 2.7% 0.3%
JPMorgan Chase Bank $190,000 n/a 0.3%
City Bank $175,000 n/a 0.3%
Eagle Bank and Trust Company $175,000 n/a 0.3%
Fifth Third Bank $175,000 n/a 0.3%
Network Funding, L.P. $175,000 n/a 0.3%
THRIVE MORTGAGE, LLC $175,000 n/a 0.3%
Truist Bank $175,000 n/a 0.3%
Gateway First Bank $165,000 n/a 0.3%
Colonial Savings, F.A. $155,000 n/a 0.3%
FINANCE OF AMERICA MORTGAGE LLC $155,000 n/a 0.3%
HANCOCK MORTGAGE PARTNERS, LLC $155,000 n/a 0.3%
Herring Bank $195,000 $155,000 -20.5% 0.3%
USAA Federal Savings Bank $240,000 $155,000 -35.4% 0.3%
ASPIRE FINANCIAL, INC. $115,000 $145,000 26.1% 0.3%
Carrington Mortgage Services, LLC $145,000 n/a 0.3%
NEW DAY FINANCIAL, LLC $65,000 $145,000 123.1% 0.3%
SWBC MORTGAGE CORPORATION $145,000 n/a 0.3%
UNIVERSAL LENDING CORPORATION $145,000 n/a 0.3%
BROKER SOLUTIONS, INC. $135,000 n/a 0.2%
NTFN, INC. $135,000 n/a 0.2%
Servion, Inc. $135,000 n/a 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $280,000 $135,000 -51.8% 0.2%
AMERICAN ADVISORS GROUP $45,000 $130,000 188.9% 0.2%
GREAT WESTERN FINANCIAL SERVICES, INC. $125,000 n/a 0.2%
Independent Bank $125,000 n/a 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $500,000 $125,000 -75.0% 0.2%
ZILLOW HOME LOANS, LLC $125,000 n/a 0.2%
PLANET HOME LENDING, LLC $115,000 n/a 0.2%
Evolve Bank & Trust $105,000 n/a 0.2%
MORIA DEVELOPMENT, INC. $105,000 n/a 0.2%
SECURITY SERVICE $105,000 n/a 0.2%
SOUTHWEST STAGE FUNDING, LLC $105,000 $95,000 -9.5% 0.2%
HOMETRUST MORTGAGE COMPANY $85,000 n/a 0.2%
United Fidelity Funding Corp. $55,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $45,000 n/a 0.1%
Education Credit Union $45,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $15,000 n/a 0.0%

Pampa's top lender by overall market share is FirstBank Southwest, with 12.6% market share. In second place, with 9.6%, is Amarillo National Bank, having originated $5,295,000 in loans. In third place, with 9.3%, is EUSTIS AND AMERICAN MORTGAGE COMPANY, having originated $5,105,000 in loans. In third place, with 8.5%, is First Bank & Trust, having originated $4,680,000 in loans. In third place, with 6.2%, is QUICKEN LOANS, LLC, having originated $3,435,000 in loans.


Pampa, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 297 $41,595,000 $140,051
Refi 68 $9,990,000 $146,912
Cash Out Refi 21 $2,895,000 $137,857
Home Improvement 13 $465,000 $35,769
Other 3 $205,000 $68,333

Pampa's most frequently cited loan purpose was Home Purchase, with 297 originations. The 2nd most popular reason was Refi, with 68 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 150 $20,180,000 $134,533
2.5-3% 90 $11,990,000 $133,222
4-5% 42 $6,730,000 $160,238
<2.5% 36 $7,260,000 $201,667
5-6% 16 $1,030,000 $64,375
Over 8% 5 $515,000 $103,000
6-7% 3 $175,000 $58,333
7-8% 2 $140,000 $70,000

During 2021, Pampa's most frequently originated rate bucket was 3-4%, with 150 originations.

Loan Sizing (Pampa, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 199 $28,685,000 $144,146
$100,000 or less 157 $9,445,000 $60,159
$200k-400k 40 $10,740,000 $268,500
$Over $1MM 3 $4,765,000 $1,588,333
$400k-600k 2 $840,000 $420,000
$600k-1000k 1 $675,000 $675,000

Pampa's loan sizing saw the bucket of loans from $100k-200k with 199 originations, totaling $28,685,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 182 $24,320,000 $133,626
60-80% 65 $9,495,000 $146,077
40-60% 31 $5,945,000 $191,774
Under 20% 8 $80,000 $10,000
20-40% 7 $375,000 $53,571
Over 100% 6 $1,210,000 $201,667

Pampa's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 182 originations, totaling $24,320,000 in origination value.


Market Conditions (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 $124,450 (38.4%) $140,317 (16.1%) 0.00 142
2018-02-01 $117,600 (30.7%) $136,773 (10.4%) 0.00 161
2018-03-01 $120,000 (23.7%) $139,113 (8.2%) 0.00 167
2018-04-01 $125,000 (16.9%) $143,013 (5.8%) 0.00 167
2018-05-01 $127,450 (7.6%) $142,873 (3.0%) 0.00 170
2018-06-01 $139,900 (18.1%) $150,597 (8.6%) 0.00 174
2018-07-01 $134,450 (13.0%) $149,300 (9.9%) 0.00 199
2018-08-01 $129,900 (9.6%) $148,320 (11.7%) 0.00 207
2018-09-01 $129,900 (9.2%) $147,763 (10.0%) 0.00 194
2018-10-01 $124,950 (6.8%) $136,256 (0.9%) 0.00 204
2018-11-01 $120,750 (1.1%) $133,284 (-3.0%) 0.00 197
2018-12-01 $120,000 (-3.6%) $135,773 (-1.9%) 0.00 187
2019-01-01 $121,500 (-2.4%) $134,421 (-4.2%) 0.00 176
2019-02-01 $119,450 (1.6%) $130,543 (-4.6%) 0.00 174
2019-03-01 $121,229 (1.0%) $136,318 (-2.0%) 0.00 176
2019-04-01 $120,779 (-3.4%) $141,319 (-1.2%) 0.00 177
2019-05-01 $115,000 (-9.8%) $140,999 (-1.3%) 0.00 180
2019-06-01 $109,000 (-22.1%) $138,608 (-8.0%) 0.00 187
2019-07-01 $119,950 (-10.8%) $143,944 (-3.6%) 0.00 192
2019-08-01 $117,800 (-9.3%) $142,151 (-4.2%) 0.00 192
2019-09-01 $115,350 (-11.2%) $141,955 (-3.9%) 0.00 186
2019-10-01 $115,000 (-8.0%) $140,672 (3.2%) 0.00 181
2019-11-01 $114,900 (-4.8%) $137,860 (3.4%) 0.00 164
2019-12-01 $112,000 (-6.7%) $133,833 (-1.4%) 0.00 162
2020-01-01 $106,000 (-12.8%) $131,515 (-2.2%) 0.00 158
2020-02-01 $100,000 (-16.3%) $129,323 (-0.9%) 0.00 158
2020-03-01 $110,500 (-8.9%) $134,862 (-1.1%) 0.00 151
2020-04-01 $102,250 (-15.3%) $129,374 (-8.5%) 0.00 149
2020-05-01 $110,000 (-4.4%) $134,666 (-4.5%) 0.00 150
2020-06-01 $91,400 (-16.2%) $126,487 (-8.8%) 0.00 152
2020-07-01 $86,250 (-28.1%) $120,498 (-16.3%) 0.00 142
2020-08-01 $85,000 (-27.8%) $120,862 (-15.0%) 0.00 139
2020-09-01 $95,000 (-17.6%) $124,292 (-12.4%) 0.00 134
2020-10-01 $100,000 (-13.0%) $124,907 (-11.2%) 0.00 123
2020-11-01 $105,000 (-8.6%) $128,021 (-7.1%) 0.00 113
2020-12-01 $115,000 (2.7%) $130,921 (-2.2%) 0.00 107
2021-01-01 $125,000 (17.9%) $139,439 (6.0%) 0.00 103
2021-02-01 $128,700 (28.7%) $146,417 (13.2%) 0.00 90
2021-03-01 $117,500 (6.3%) $140,772 (4.4%) 0.00 77
2021-04-01 $125,000 (22.3%) $142,981 (10.5%) 0.00 69
2021-05-01 $119,900 (9.0%) $144,743 (7.5%) 0.00 61
2021-06-01 $134,900 (47.6%) $152,040 (20.2%) 0.00 64
2021-07-01 $129,750 (50.4%) $151,058 (25.4%) 0.00 65
2021-08-01 $116,000 (36.5%) $125,808 (4.1%) 0.00 71
2021-09-01 $130,750 (37.6%) $150,032 (20.7%) 0.00 69
2021-10-01 $131,500 (31.5%) $161,620 (29.4%) 0.00 71
2021-11-01 $146,000 (39.1%) $213,241 (66.6%) 0.00 64
2021-12-01 $130,750 (13.7%) $203,430 (55.4%) 0.00 63
2022-01-01 $129,500 (3.6%) $195,067 (39.9%) 0.00 57
2022-02-01 $120,000 (-6.8%) $159,481 (8.9%) 0.00 47
2022-03-01 $100,000 (-14.9%) $141,470 (0.5%) 0.00 48
2022-04-01 $110,000 (-12.0%) $145,516 (1.8%) 0.00 40
2022-05-01 $118,188 (-1.4%) $155,769 (7.6%) 0.00 45
2022-06-01 $134,655 (-0.2%) $157,298 (3.5%) 0.00 51
Pampa's median listing price for 2022-06-01 was $134,655, a difference of $-245 (-0.2%) versus the prior year and $16,467 versus the prior month.

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

Pampa's average listing price for 2022-06-01 was $157,298, a difference of $5,258 (3.5%) versus the prior year and $1,529 versus the prior month.

For the 2022-06-01 period, Pampa had 51 MLS listings, a difference of 6 listings (13%) versus the prior month and -13 listings (-20%) 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 1,827 sqft
2018-02-01 0 days 1,764 sqft
2018-03-01 0 days 1,740 sqft
2018-04-01 0 days 1,782 sqft
2018-05-01 0 days 1,730 sqft
2018-06-01 0 days 1,782 sqft
2018-07-01 0 days 1,813 sqft
2018-08-01 0 days 1,811 sqft
2018-09-01 0 days 1,841 sqft
2018-10-01 0 days 1,786 sqft
2018-11-01 0 days 1,784 sqft
2018-12-01 0 days 1,769 sqft
2019-01-01 0 days 1,690 sqft
2019-02-01 0 days 1,634 sqft
2019-03-01 0 days 1,682 sqft
2019-04-01 0 days 1,699 sqft
2019-05-01 0 days 1,672 sqft
2019-06-01 0 days 1,663 sqft
2019-07-01 0 days 1,665 sqft
2019-08-01 0 days 1,664 sqft
2019-09-01 0 days 1,664 sqft
2019-10-01 0 days 1,659 sqft
2019-11-01 0 days 1,663 sqft
2019-12-01 0 days 1,651 sqft
2020-01-01 0 days 1,585 sqft
2020-02-01 0 days 1,611 sqft
2020-03-01 0 days 1,636 sqft
2020-04-01 0 days 1,582 sqft
2020-05-01 0 days 1,684 sqft
2020-06-01 0 days 1,576 sqft
2020-07-01 0 days 1,527 sqft
2020-08-01 0 days 1,527 sqft
2020-09-01 0 days 1,534 sqft
2020-10-01 0 days 1,523 sqft
2020-11-01 0 days 1,527 sqft
2020-12-01 0 days 1,539 sqft
2021-01-01 0 days 1,587 sqft
2021-02-01 0 days 1,712 sqft
2021-03-01 0 days 1,659 sqft
2021-04-01 0 days 1,571 sqft
2021-05-01 0 days 1,460 sqft
2021-06-01 0 days 1,527 sqft
2021-07-01 0 days 1,615 sqft
2021-08-01 0 days 1,388 sqft
2021-09-01 0 days 1,601 sqft
2021-10-01 0 days 1,606 sqft
2021-11-01 0 days 1,757 sqft
2021-12-01 0 days 1,626 sqft
2022-01-01 0 days 1,571 sqft
2022-02-01 0 days 1,563 sqft
2022-03-01 0 days 1,522 sqft
2022-04-01 0 days 1,466 sqft
2022-05-01 0 days 1,603 sqft
2022-06-01 0 days 1,661 sqft
Pampa's median listing age (time on market) for 2022-06-01 was 0 days.

Pampa's median square footage for active listings during the 2022-06-01 period was 1,661 sqft. One year prior, the average listing was 1,527 sqft.