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%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

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 for 2022-06-01 was $866,500, a difference of $32,000 (3.8%) versus the prior year and $4,000 versus the prior month.

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 listing age (time on market) for 2022-06-01 was 22 days. This is -4% shorter than the same period one year ago.

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.