Boulder USDA Loan Rates, Closing Costs & Stats
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
6.32%
for the week of 2023-01-27, compared to the national average (all USDA variants) of
6.195% for the same period.
Boulder's average USDA mortgage closing costs are $7,450.
The average rate for the prior week (2023-01-20) was
6.21% and
one month ago for the week of 2022-12-23, the
average rate was 6.34%.
The average rate one year ago was 3.79%.
For refis of the same type during the week of 2023-01-27, the average rate
was 5.88%.
Boulder USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs 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. Closing Costs |
---|---|---|---|
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. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $665,233 (-3.6%) | $1,120,716 (-8.8%) | 2.47 | 476 |
2018-02-01 | $734,450 (4.9%) | $1,224,549 (-3.0%) | 2.67 | 476 |
2018-03-01 | $770,425 (10.5%) | $1,198,263 (-0.4%) | 2.70 | 530 |
2018-04-01 | $749,138 (7.1%) | $1,181,812 (0.9%) | 2.54 | 658 |
2018-05-01 | $742,475 (6.3%) | $1,156,739 (3.9%) | 2.48 | 741 |
2018-06-01 | $710,000 (3.6%) | $1,073,770 (2.5%) | 2.37 | 849 |
2018-07-01 | $700,750 (5.4%) | $1,055,352 (1.8%) | 2.34 | 881 |
2018-08-01 | $651,738 (1.0%) | $997,000 (-1.1%) | 2.18 | 936 |
2018-09-01 | $634,990 (0.0%) | $975,101 (-2.5%) | 2.13 | 945 |
2018-10-01 | $634,027 (-2.5%) | $993,709 (-4.3%) | 2.14 | 921 |
2018-11-01 | $637,493 (-2.6%) | $1,015,503 (-5.9%) | 2.16 | 809 |
2018-12-01 | $658,450 (-0.2%) | $1,028,360 (-8.7%) | 2.27 | 670 |
2019-01-01 | $624,900 (-6.1%) | $999,804 (-10.8%) | 2.16 | 612 |
2019-02-01 | $642,500 (-12.5%) | $1,011,130 (-17.4%) | 2.17 | 663 |
2019-03-01 | $640,579 (-16.9%) | $1,030,195 (-14.0%) | 2.09 | 757 |
2019-04-01 | $656,779 (-12.3%) | $1,031,709 (-12.7%) | 2.09 | 866 |
2019-05-01 | $659,950 (-11.1%) | $1,036,958 (-10.4%) | 2.06 | 1,002 |
2019-06-01 | $669,000 (-5.8%) | $1,040,152 (-3.1%) | 2.09 | 1,095 |
2019-07-01 | $679,000 (-3.1%) | $1,020,494 (-3.3%) | 2.13 | 1,179 |
2019-08-01 | $665,986 (2.2%) | $1,004,949 (0.8%) | 2.11 | 1,180 |
2019-09-01 | $668,216 (5.2%) | $1,009,787 (3.6%) | 2.14 | 1,165 |
2019-10-01 | $667,677 (5.3%) | $1,013,012 (1.9%) | 2.15 | 1,143 |
2019-11-01 | $664,973 (4.3%) | $1,026,276 (1.1%) | 2.18 | 979 |
2019-12-01 | $665,188 (1.0%) | $1,064,927 (3.6%) | 2.22 | 759 |
2020-01-01 | $650,000 (4.0%) | $1,057,246 (5.8%) | 2.17 | 619 |
2020-02-01 | $688,000 (7.1%) | $1,104,272 (9.2%) | 2.25 | 599 |
2020-03-01 | $719,731 (12.4%) | $1,105,535 (7.3%) | 2.25 | 637 |
2020-04-01 | $710,151 (8.1%) | $1,057,901 (2.5%) | 2.22 | 704 |
2020-05-01 | $741,978 (12.4%) | $1,062,155 (2.4%) | 2.26 | 858 |
2020-06-01 | $745,989 (11.5%) | $1,076,959 (3.5%) | 2.20 | 958 |
2020-07-01 | $749,500 (10.4%) | $1,088,666 (6.7%) | 2.17 | 892 |
2020-08-01 | $756,250 (13.6%) | $1,121,437 (11.6%) | 2.17 | 807 |
2020-09-01 | $714,850 (7.0%) | $1,109,238 (9.9%) | 2.05 | 802 |
2020-10-01 | $742,655 (11.2%) | $1,170,165 (15.5%) | 2.13 | 778 |
2020-11-01 | $760,738 (14.4%) | $1,217,638 (18.7%) | 2.22 | 602 |
2020-12-01 | $793,675 (19.3%) | $1,295,022 (21.6%) | 2.36 | 479 |
2021-01-01 | $845,000 (30.0%) | $1,351,743 (27.9%) | 2.52 | 366 |
2021-02-01 | $882,500 (28.3%) | $1,342,045 (21.5%) | 2.57 | 312 |
2021-03-01 | $837,250 (16.3%) | $1,357,821 (22.8%) | 2.38 | 291 |
2021-04-01 | $802,250 (13.0%) | $1,363,779 (28.9%) | 2.17 | 330 |
2021-05-01 | $799,900 (7.8%) | $1,343,322 (26.5%) | 2.12 | 334 |
2021-06-01 | $802,450 (7.6%) | $1,293,190 (20.1%) | 2.11 | 437 |
2021-07-01 | $785,000 (4.7%) | $1,256,250 (15.4%) | 2.07 | 449 |
2021-08-01 | $758,500 (0.3%) | $1,196,158 (6.7%) | 2.02 | 477 |
2021-09-01 | $750,000 (4.9%) | $1,153,094 (4.0%) | 2.00 | 468 |
2021-10-01 | $795,000 (7.1%) | $1,212,272 (3.6%) | 2.12 | 399 |
2021-11-01 | $804,250 (5.7%) | $1,329,024 (9.2%) | 2.15 | 303 |
2021-12-01 | $803,475 (1.2%) | $1,341,052 (3.6%) | 2.18 | 419 |
2022-01-01 | $820,000 (-3.0%) | $1,518,972 (12.4%) | 2.22 | 154 |
2022-02-01 | $862,933 (-2.2%) | $1,619,355 (20.7%) | 2.24 | 172 |
2022-03-01 | $822,000 (-1.8%) | $1,465,633 (7.9%) | 2.06 | 214 |
2022-04-01 | $866,950 (8.1%) | $1,481,788 (8.7%) | 2.07 | 260 |
2022-05-01 | $870,000 (8.8%) | $1,419,510 (5.7%) | 1.99 | 476 |
2022-06-01 | $885,000 (10.3%) | $1,412,885 (9.3%) | 1.97 | 639 |
2022-07-01 | $859,000 (9.4%) | $1,353,728 (7.8%) | 1.94 | 764 |
2022-08-01 | $827,000 (9.0%) | $1,310,792 (9.6%) | 1.91 | 815 |
2022-09-01 | $834,500 (11.3%) | $1,340,325 (16.2%) | 1.95 | 798 |
2022-10-01 | $822,450 (3.5%) | $1,350,567 (11.4%) | 1.94 | 804 |
2022-11-01 | $833,750 (3.7%) | $1,402,883 (5.6%) | 2.01 | 697 |
2022-12-01 | $835,000 (3.9%) | $1,423,188 (6.1%) | 2.09 | 508 |
Boulder's median listing price comes in at 209% of the national average.
Boulder's average listing price for 2022-12-01 was $1,423,188, a difference of $82,136 (6.1%) versus the prior year and $20,305 versus the prior month.
For the 2022-12-01 period, Boulder had 508 MLS listings, a difference of -189 listings (-27%) versus the prior month and 89 listings (21%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Boulder (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 64 days | 3,008 sqft |
2018-02-01 | 41 days | 3,136 sqft |
2018-03-01 | 37 days | 3,096 sqft |
2018-04-01 | 31 days | 3,072 sqft |
2018-05-01 | 32 days | 2,975 sqft |
2018-06-01 | 33 days | 2,936 sqft |
2018-07-01 | 38 days | 2,747 sqft |
2018-08-01 | 45 days | 2,586 sqft |
2018-09-01 | 49 days | 2,584 sqft |
2018-10-01 | 48 days | 2,618 sqft |
2018-11-01 | 54 days | 2,592 sqft |
2018-12-01 | 71 days | 2,587 sqft |
2019-01-01 | 73 days | 2,463 sqft |
2019-02-01 | 42 days | 2,425 sqft |
2019-03-01 | 38 days | 2,569 sqft |
2019-04-01 | 35 days | 2,678 sqft |
2019-05-01 | 32 days | 2,675 sqft |
2019-06-01 | 38 days | 2,635 sqft |
2019-07-01 | 41 days | 2,601 sqft |
2019-08-01 | 45 days | 2,552 sqft |
2019-09-01 | 49 days | 2,549 sqft |
2019-10-01 | 52 days | 2,532 sqft |
2019-11-01 | 58 days | 2,527 sqft |
2019-12-01 | 81 days | 2,584 sqft |
2020-01-01 | 81 days | 2,544 sqft |
2020-02-01 | 43 days | 2,559 sqft |
2020-03-01 | 44 days | 2,570 sqft |
2020-04-01 | 45 days | 2,496 sqft |
2020-05-01 | 44 days | 2,517 sqft |
2020-06-01 | 40 days | 2,496 sqft |
2020-07-01 | 47 days | 2,449 sqft |
2020-08-01 | 50 days | 2,381 sqft |
2020-09-01 | 45 days | 2,297 sqft |
2020-10-01 | 45 days | 2,296 sqft |
2020-11-01 | 64 days | 2,315 sqft |
2020-12-01 | 80 days | 2,325 sqft |
2021-01-01 | 97 days | 2,206 sqft |
2021-02-01 | 89 days | 2,266 sqft |
2021-03-01 | 50 days | 2,258 sqft |
2021-04-01 | 37 days | 2,222 sqft |
2021-05-01 | 35 days | 2,300 sqft |
2021-06-01 | 20 days | 2,355 sqft |
2021-07-01 | 32 days | 2,354 sqft |
2021-08-01 | 31 days | 2,295 sqft |
2021-09-01 | 31 days | 2,277 sqft |
2021-10-01 | 36 days | 2,228 sqft |
2021-11-01 | 38 days | 2,355 sqft |
2021-12-01 | 47 days | 2,288 sqft |
2022-01-01 | 36 days | 2,447 sqft |
2022-02-01 | 20 days | 2,471 sqft |
2022-03-01 | 18 days | 2,366 sqft |
2022-04-01 | 16 days | 2,481 sqft |
2022-05-01 | 16 days | 2,519 sqft |
2022-06-01 | 22 days | 2,539 sqft |
2022-07-01 | 30 days | 2,500 sqft |
2022-08-01 | 36 days | 2,360 sqft |
2022-09-01 | 42 days | 2,398 sqft |
2022-10-01 | 43 days | 2,424 sqft |
2022-11-01 | 51 days | 2,480 sqft |
2022-12-01 | 70 days | 2,435 sqft |
Boulder's median square footage for active listings during the 2022-12-01 period was 2,435 sqft. One year prior, the average listing was 2,288 sqft.