Boulder USDA Loans
BOULDER, CO
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
Boulder's 3 lenders originated 10 USDA loans during 2021. The total origination value was $5,310,000, with an average USDA loan value of $531,000.
Boulder USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Boulder
averaged
5.32%
for the week of 2022-08-05, compared to the national average (all USDA variants) of
5.294% for the same period.
The average rate for the prior week (2022-07-29) was
5.34% and
one month ago for the week of 2022-07-01, the
average rate was 5.47%.
The average rate one year ago was 2.86%.
For refis of the same type during the week of 2022-08-05, the average rate
was 5.18%.
Boulder USDA Loan Lenders by Rates & Fees
The below table looks at the average fees and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Boulder level.
| Name | # of Loans | 2021 Avg. 30yFix Rate | 2021 Avg. Total Fees |
|---|---|---|---|
| CALIBER HOME LOANS, INC. | 1 | 3.25% | $5,159 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 2.88% | $7,414 |
| PLANET HOME LENDING, LLC | 1 | 3.25% | $7,147 |
The top Boulder USDA lender as defined by loan originations is CALIBER HOME LOANS, INC., with
1 USDA loans originated. Their average total fees are
$5,159, which is $2,255
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Boulder USDA lenders (with over 10 loans originated) are
.
The lowest rate Boulder USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Boulder (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 | $637,000 (-4.8%) | $1,067,582 (-8.5%) | 2.35 | 704 |
| 2018-02-01 | $672,167 (-1.1%) | $1,138,702 (-6.1%) | 2.42 | 696 |
| 2018-03-01 | $725,000 (9.0%) | $1,151,964 (0.8%) | 2.51 | 725 |
| 2018-04-01 | $737,500 (9.3%) | $1,150,011 (2.8%) | 2.48 | 920 |
| 2018-05-01 | $739,000 (8.7%) | $1,143,463 (7.1%) | 2.46 | 1,037 |
| 2018-06-01 | $699,900 (5.9%) | $1,066,294 (5.3%) | 2.33 | 1,224 |
| 2018-07-01 | $699,000 (7.5%) | $1,040,555 (2.2%) | 2.33 | 1,269 |
| 2018-08-01 | $650,000 (3.6%) | $994,529 (1.7%) | 2.17 | 1,371 |
| 2018-09-01 | $635,000 (3.3%) | $972,633 (0.3%) | 2.12 | 1,392 |
| 2018-10-01 | $629,950 (-1.7%) | $983,864 (-1.8%) | 2.11 | 1,350 |
| 2018-11-01 | $615,000 (-4.1%) | $981,788 (-5.4%) | 2.06 | 1,230 |
| 2018-12-01 | $625,000 (-3.4%) | $989,475 (-8.2%) | 2.14 | 1,046 |
| 2019-01-01 | $599,450 (-5.9%) | $976,826 (-8.5%) | 2.07 | 925 |
| 2019-02-01 | $600,000 (-10.7%) | $972,496 (-14.6%) | 2.01 | 999 |
| 2019-03-01 | $597,043 (-17.7%) | $978,681 (-15.0%) | 1.95 | 1,135 |
| 2019-04-01 | $617,043 (-16.3%) | $989,367 (-14.0%) | 1.94 | 1,272 |
| 2019-05-01 | $617,500 (-16.4%) | $977,698 (-14.5%) | 1.90 | 1,503 |
| 2019-06-01 | $623,990 (-10.9%) | $992,656 (-6.9%) | 1.92 | 1,708 |
| 2019-07-01 | $629,450 (-10.0%) | $978,458 (-6.0%) | 1.96 | 1,840 |
| 2019-08-01 | $628,137 (-3.4%) | $985,287 (-0.9%) | 1.98 | 1,792 |
| 2019-09-01 | $639,500 (0.7%) | $1,002,686 (3.1%) | 2.03 | 1,756 |
| 2019-10-01 | $640,000 (1.6%) | $989,808 (0.6%) | 2.04 | 1,767 |
| 2019-11-01 | $626,000 (1.8%) | $998,063 (1.7%) | 2.02 | 1,549 |
| 2019-12-01 | $627,500 (0.4%) | $1,020,728 (3.2%) | 2.09 | 1,182 |
| 2020-01-01 | $619,950 (3.4%) | $1,069,096 (9.5%) | 2.07 | 909 |
| 2020-02-01 | $651,000 (8.5%) | $1,109,908 (14.1%) | 2.10 | 844 |
| 2020-03-01 | $722,000 (20.9%) | $1,116,633 (14.1%) | 2.26 | 882 |
| 2020-04-01 | $694,500 (12.6%) | $1,062,877 (7.4%) | 2.16 | 1,012 |
| 2020-05-01 | $700,000 (13.4%) | $1,064,261 (8.9%) | 2.12 | 1,204 |
| 2020-06-01 | $727,450 (16.6%) | $1,070,026 (7.8%) | 2.12 | 1,418 |
| 2020-07-01 | $727,500 (15.6%) | $1,071,093 (9.5%) | 2.08 | 1,297 |
| 2020-08-01 | $750,000 (19.4%) | $1,123,251 (14.0%) | 2.14 | 1,174 |
| 2020-09-01 | $712,000 (11.3%) | $1,129,676 (12.7%) | 2.03 | 1,162 |
| 2020-10-01 | $725,000 (13.3%) | $1,148,272 (16.0%) | 2.07 | 1,118 |
| 2020-11-01 | $760,768 (21.5%) | $1,232,779 (23.5%) | 2.18 | 833 |
| 2020-12-01 | $806,750 (28.6%) | $1,333,435 (30.6%) | 2.37 | 647 |
| 2021-01-01 | $860,000 (38.7%) | $1,398,351 (30.8%) | 2.53 | 478 |
| 2021-02-01 | $922,500 (41.7%) | $1,454,052 (31.0%) | 2.65 | 389 |
| 2021-03-01 | $875,000 (21.2%) | $1,476,151 (32.2%) | 2.45 | 361 |
| 2021-04-01 | $798,950 (15.0%) | $1,421,809 (33.8%) | 2.15 | 392 |
| 2021-05-01 | $799,000 (14.1%) | $1,350,298 (26.9%) | 2.10 | 399 |
| 2021-06-01 | $834,500 (14.7%) | $1,331,204 (24.4%) | 2.17 | 502 |
| 2021-07-01 | $784,995 (7.9%) | $1,286,646 (20.1%) | 2.04 | 521 |
| 2021-08-01 | $754,350 (0.6%) | $1,245,117 (10.9%) | 1.98 | 551 |
| 2021-09-01 | $749,950 (5.3%) | $1,199,599 (6.2%) | 1.97 | 530 |
| 2021-10-01 | $789,000 (8.8%) | $1,246,239 (8.5%) | 2.08 | 461 |
| 2021-11-01 | $795,950 (4.6%) | $1,347,052 (9.3%) | 2.10 | 349 |
| 2021-12-01 | $792,500 (-1.8%) | $1,348,103 (1.1%) | 2.11 | 447 |
| 2022-01-01 | $810,000 (-5.8%) | $1,607,532 (15.0%) | 2.16 | 166 |
| 2022-02-01 | $851,742 (-7.7%) | $1,605,646 (10.4%) | 2.17 | 191 |
| 2022-03-01 | $797,500 (-8.9%) | $1,457,111 (-1.3%) | 1.97 | 228 |
| 2022-04-01 | $825,000 (3.3%) | $1,443,126 (1.5%) | 1.94 | 279 |
| 2022-05-01 | $862,500 (8.0%) | $1,422,056 (5.3%) | 1.93 | 525 |
| 2022-06-01 | $866,500 (3.8%) | $1,397,994 (5.0%) | 1.93 | 720 |
Boulder's median listing price comes in at 193% of the national average.
Boulder's average listing price for 2022-06-01 was $1,397,994, a difference of $66,790 (5.0%) versus the prior year and $-24,062 versus the prior month.
For the 2022-06-01 period, Boulder had 720 MLS listings, a difference of 195 listings (37%) versus the prior month and 218 listings (43%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Boulder (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 67 days | 3,071 sqft |
| 2018-02-01 | 49 days | 3,114 sqft |
| 2018-03-01 | 36 days | 3,164 sqft |
| 2018-04-01 | 31 days | 3,101 sqft |
| 2018-05-01 | 30 days | 3,073 sqft |
| 2018-06-01 | 30 days | 3,034 sqft |
| 2018-07-01 | 36 days | 2,890 sqft |
| 2018-08-01 | 39 days | 2,752 sqft |
| 2018-09-01 | 44 days | 2,740 sqft |
| 2018-10-01 | 44 days | 2,738 sqft |
| 2018-11-01 | 52 days | 2,727 sqft |
| 2018-12-01 | 66 days | 2,785 sqft |
| 2019-01-01 | 66 days | 2,697 sqft |
| 2019-02-01 | 47 days | 2,640 sqft |
| 2019-03-01 | 32 days | 2,691 sqft |
| 2019-04-01 | 36 days | 2,705 sqft |
| 2019-05-01 | 32 days | 2,680 sqft |
| 2019-06-01 | 36 days | 2,696 sqft |
| 2019-07-01 | 40 days | 2,680 sqft |
| 2019-08-01 | 47 days | 2,663 sqft |
| 2019-09-01 | 49 days | 2,692 sqft |
| 2019-10-01 | 50 days | 2,666 sqft |
| 2019-11-01 | 56 days | 2,644 sqft |
| 2019-12-01 | 71 days | 2,620 sqft |
| 2020-01-01 | 74 days | 2,635 sqft |
| 2020-02-01 | 43 days | 2,775 sqft |
| 2020-03-01 | 37 days | 2,799 sqft |
| 2020-04-01 | 39 days | 2,701 sqft |
| 2020-05-01 | 44 days | 2,701 sqft |
| 2020-06-01 | 36 days | 2,642 sqft |
| 2020-07-01 | 43 days | 2,562 sqft |
| 2020-08-01 | 43 days | 2,562 sqft |
| 2020-09-01 | 40 days | 2,410 sqft |
| 2020-10-01 | 38 days | 2,392 sqft |
| 2020-11-01 | 52 days | 2,401 sqft |
| 2020-12-01 | 68 days | 2,399 sqft |
| 2021-01-01 | 85 days | 2,288 sqft |
| 2021-02-01 | 59 days | 2,288 sqft |
| 2021-03-01 | 33 days | 2,338 sqft |
| 2021-04-01 | 30 days | 2,324 sqft |
| 2021-05-01 | 28 days | 2,316 sqft |
| 2021-06-01 | 23 days | 2,434 sqft |
| 2021-07-01 | 28 days | 2,497 sqft |
| 2021-08-01 | 29 days | 2,413 sqft |
| 2021-09-01 | 32 days | 2,351 sqft |
| 2021-10-01 | 34 days | 2,364 sqft |
| 2021-11-01 | 38 days | 2,451 sqft |
| 2021-12-01 | 48 days | 2,379 sqft |
| 2022-01-01 | 42 days | 2,485 sqft |
| 2022-02-01 | 21 days | 2,492 sqft |
| 2022-03-01 | 21 days | 2,447 sqft |
| 2022-04-01 | 16 days | 2,493 sqft |
| 2022-05-01 | 17 days | 2,561 sqft |
| 2022-06-01 | 22 days | 2,618 sqft |
Boulder's median square footage for active listings during the 2022-06-01 period was 2,618 sqft. One year prior, the average listing was 2,434 sqft.
