BOULDER Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Boulder averaged 6.49% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.92% and one month ago for the week of 2025-05-15, the average rate was 6.89%.

Boulder's average rate one year ago was 6.83%.

For refis of the same type during the week of 2025-06-18, the average rate was 6.6%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Boulder 30 Year Fixed Rate 2025-06-18 6.49%
Boulder 30 Year Fixed Rate Refi 2025-06-18 6.6%
Boulder 15 Year Fixed Rate 2025-06-18 5.86%
Boulder 15 Year Fixed Rate Refi 2025-06-18 6.06%
Boulder 30 Year FHA 2025-06-18 -0.23%
Boulder 30 Year FHA Refi 2025-06-18 0.2%
Boulder 30 Year USDA 2025-06-18 0%
Boulder 30 Year USDA Refi 2025-06-18 -0.1%
Boulder 30 Year VA 2025-06-18 -0.44%
Boulder 30 Year VA Refi 2025-06-18 0.1%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BOULDER, CO.

BOULDER 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 BOULDER, CO 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Elevations Credit Union 506 6.75% $4,275
UNITED WHOLESALE MORTGAGE, LLC 417 6.59% $7,248
QUICKEN LOANS, LLC 161 6.67% $6,475
EAGLE HOME MORTGAGE, LLC 145 5.15% $4,021
CMG MORTGAGE, INC. 107 6.90% $6,627
GUILD MORTGAGE COMPANY 105 6.89% $5,169
CROSSCOUNTRY MORTGAGE, LLC 84 6.79% $5,181
HOMEAMERICAN MORTGAGE CORPORATION 78 5.63% $1,573
JPMorgan Chase Bank 70 6.56% $4,147
ALLIED MORTGAGE GROUP, INC. 57 6.88% $4,067
FirstBank 57 6.14% $4,318
SWBC MORTGAGE CORPORATION 56 6.86% $1,968
INSPIRE HOME LOANS INC. 51 5.89% $4,074
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 50 6.94% $6,023
Morgan Stanley Private Bank 44 6.02% $4,346
TBI MORTGAGE COMPANY 36 6.55% $6,642
LOANDEPOT.COM, LLC 32 6.67% $9,873
S1L, Inc. 32 6.66% $7,470
Bank of America 31 6.06% $4,071
HOMESIDE FINANCIAL, LLC 29 6.42% $6,611
Keystone Funding, Inc. 28 6.65% $5,305
GUARANTEED RATE, INC. 26 6.65% $5,025
PROVIDENT FUNDING ASSOCIATES, L.P. 26 6.24% $4,862
Charles Schwab Bank, SSB 25 5.91% $2,335
U.S. Bank 24 6.51% $5,097
JET HOMELOANS, LLC 23 6.65% $8,090
Wells Fargo Bank 21 6.59% $6,067
The Loan Store, Inc. 21 6.68% $6,561
TOWNE MORTGAGE COMPANY 20 6.86% $4,328
PENNYMAC LOAN SERVICES, LLC 19 6.48% $11,181
American Mortgage & Equity Consultants, Inc. 19 6.76% $8,343
V.I.P. MORTGAGE, INC. 19 6.80% $10,202
PREMIER MEMBERS CREDIT UNION 19 6.39% $5,723
CANVAS CREDIT UNION 18 6.92% $3,922
Commerce Home Mortgage, Inc. 18 6.82% $5,458
AMERICAN FINANCING CORPORATION 16 6.47% $10,332
BROKER SOLUTIONS, INC. 15 6.67% $9,668
MOVEMENT MORTGAGE, LLC 15 6.81% $6,868
First Western Trust Bank 15 6.70% $4,102
ZILLOW HOME LOANS, LLC 15 6.54% $6,746
The Huntington National Bank 15 6.50% $7,887
Ent Credit Union 14 5.88% $4,286
INTERCAP LENDING INC. 14 6.81% $4,300
Zions Bank 14 6.34% $9,520
MUTUAL OF OMAHA MORTGAGE, INC. 14 6.56% $5,359
NAVY FEDERAL CREDIT UNION 14 6.13% $4,498
Mr. Cooper ( Nationstar Mortgage ) 13 6.85% $7,177
UNION HOME MORTGAGE CORP. 13 6.47% $7,808
WESTERRA CREDIT UNION 13 6.47% $12,959
BAY EQUITY LLC 11 6.98% $6,201
BMO Harris Bank 11 6.51% $5,309
UBS Bank USA 11 6.45% $5,650
Stifel Bank and Trust 11 6.02% $2,871
NEWREZ LLC 10 6.57% $9,930
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 10 6.85% $4,930
Sunflower Bank 10 6.30% $4,362
PNC Bank 10 6.56% $5,061
Ixonia Bank 10 7.05% $5,917
Plains Commerce Bank 10 6.50% $12,093
Bank of Colorado 9 6.85% $4,952
NOVA FINANCIAL & INVESTMENT CORPORATION 9 6.93% $3,879
NBKC BANK 9 6.21% $2,525
Farmers Bank & Trust 9 6.54% $4,168
Citibank 9 6.13% $4,458
SOUTHERN LENDING SERVICES, LTD. 8 6.50% $10,388
PLAZA HOME MORTGAGE, INC. 8 6.95% $3,906
GUARANTEED RATE AFFINITY, LLC 8 6.85% $8,613
Prosperity Home Mortgage, LLC 8 6.78% $4,264
SUMMIT FUNDING, INC. 7 7.00% $6,868
First National Bank of Omaha 7 6.70% $3,191
NMSI, INC. 7 6.66% $7,997
MEGASTAR FINANCIAL CORP. 7 6.96% $4,216
Dollar Bank, Federal Savings Bank 7 6.80% $4,371
Flagstar Bank, FSB 6 6.67% $4,631
Network Funding, L.P. 6 7.38% $5,733
Century Mortgage Company DBA Century Lending Company 6 6.54% $16,089
BOKF 6 6.54% $4,718
HOMEXPRESS MORTGAGE CORP. 6 7.92% $18,527
FREEDOM MORTGAGE CORPORATION 6 6.38% $5,791
CANOPY MORTGAGE, LLC 5 6.28% $13,057
Northpointe Bank 5 6.65% $5,293
NBH Bank 5 6.58% $7,356
Citadel Servicing Corporation 5 7.72% $23,374
EVERETT FINANCIAL, INC. 5 6.98% $8,497
Blue Federal Credit Union 5 6.89% $6,479
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.69% $3,938
ALAMEDA MORTGAGE CORPORATION 4 6.77% $5,538
AMERICAN HERITAGE LENDING, INC. 4 7.19% $32,767
AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.47% $20,316
Bank of England 4 7.06% $5,289
BNY Mellon 4 5.94% $4,383
LENOX FINANCIAL MORTGAGE CORPORATION 4 6.43% $5,044
NEST HOME LENDING, LLC 4 6.44% $8,033
PHH Mortgage Corporation 4 6.28% $4,062
THE MORTGAGE COMPANY 4 7.00% $9,791
UMB Bank 4 6.95% $2,673
USAA Federal Savings Bank 4 7.06% $4,869
BETTER MORTGAGE CORPORATION 3 6.71% $2,347
Citizens Bank 3 6.21% $6,955
NFM, INC. 3 6.46% $6,748
NexBank 3 6.25% $6,624
ANB Bank 3 6.29% $14,603
Paramount Residential Mortgage Group, Inc. 3 6.83% $4,258
DEEPHAVEN MORTGAGE LLC 3 8.50% $16,166
Mortgage Assurance Inc. 3 6.63% $3,303
MidFirst Bank 3 6.12% $3,147
FIRST COLONY MORTGAGE CORPORATION 3 6.46% $6,364
Sooper Credit Union 3 6.54% $2,795
OCMBC, INC. 3 7.17% $13,670
Sierra Pacific Mortgage Company, Inc. 3 6.96% $4,671
NP, Inc. 3 8.29% $10,132
Bell Bank 3 6.62% $6,671
FLAT BRANCH MORTGAGE, INC. 2 6.88% $4,240
First Federal Bank 2 6.19% $3,426
KeyBank 2 6.56% $3,912
LAKEVIEW LOAN SERVICING, LLC 2 6.56% $3,713
LENDSURE MORTGAGE CORP. 2 7.62% $14,206
WesBanco 2 6.63% $4,099
Financial Funding Solutions, Inc. 2 6.69% $6,344
Logan Finance Corporation 2 6.56% $13,025
M2 Lending Solutions, LLC 2 7.13% $2,884
MID AMERICA MORTGAGE, INC. 2 6.63% $7,483
FBC MORTGAGE, LLC 2 5.56% $2,570
Deere Employees Credit Union 2 5.62% $3,014
ALLIANT CREDIT UNION 2 6.88% $3,373
Commerce Bank 2 6.44% $2,333
Wilmington Savings Fund Society, FSB 2 6.69% $4,057
CIBC Bank USA 2 6.06% $4,019
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.25% $569
Bethpage Federal Credit Union 2 6.38% $5,280
Raymond James Bank 2 5.88% $4,611
SANDIA LABORATORY 2 6.31% $10,084
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 9.19% $14,839
T2 FINANCIAL LLC 2 7.38% $4,267
AmeriHome Mortgage Company, LLC 2 6.88% $8,845
ADVANCIAL 2 7.25% $12,089
US MORTGAGE CORPORATION 2 7.25% $5,541
Alpine Bank 2 7.78% $16,827
GROUP MORTGAGE, LLC 2 6.63% $5,090
GREENSTATE CREDIT UNION 2 6.49% $3,275
LOANPEOPLE, LLC 1 6.13% $10,848
NJ LENDERS CORP. 1 6.50% $3,672
CORNERSTONE HOME LENDING, INC. 1 6.99% $6,719
COMPASS MORTGAGE, INC. 1 6.49% $3,722
NORWICH COMMERCIAL GROUP, INC. 1 7.00% $3,109
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.99% $17,150
LEADERONE FINANCIAL CORPORATION 1 7.63% $14,264
OAKTREE FUNDING CORP. 1 5.63% $53,758
First-Citizens Bank & Trust Company 1 5.75% $2,862
FIRST COMMUNITY MORTGAGE, INC. 1 7.63% $3,491
City National Bank 1 6.00% $3,833
PENTAGON FEDERAL CREDIT UNION 1 6.13% $8,629
American National Bank & Trust 1 6.88% $17,452
First Interstate Bank 1 6.88% $4,069
AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $11,455
CHEVRON 1 6.88% $3,936
CARDINAL FINANCIAL 1 6.63% $5,683
Adams Bank & Trust 1 7.00% $2,682
Academy Bank 1 6.00% $4,107
First Merchants Bank 1 6.75% $5,222
ALTITUDE FINANCIAL CORPORATION 1 7.13% $3,889
Independent Bank 1 6.75% $5,264
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.25% $2,737
RBC Bank, (Georgia) 1 5.50% $4,278
Red Rocks Credit Union 1 6.38% $3,868
RESIDENTIAL MORTGAGE, LLC 1 6.49% $3,508
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.99% $7,258
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 6.99% $4,212
ROYAL UNITED MORTGAGE LLC 1 6.88% $6,513
Baxter Credit Union 1 6.75% $3,130
GMFS LLC 1 6.13% $4,568
Sandy Spring Bank 1 6.63% $3,559
SECURITYNATIONAL MORTGAGE COMPANY 1 6.62% $12,692
SECURITY SERVICE 1 6.63% $3,627
Servion, Inc. 1 6.88% $5,512
First National Bank of America 1 8.75% $14,312
Simmons Bank 1 5.88% $3,636
SIRVA MORTGAGE, INC. 1 6.75% $0
First United Bank and Trust Company 1 6.50% $9,641
BANKSOUTH MORTGAGE COMPANY, LLC 1 5.63% $12,044
Axos Bank 1 7.00% $22,610
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $3,135
SUN Federal Credit Union 1 6.63% $2,675
Waterstone Mortgage Corporation 1 7.99% $10,719
SUN WEST MORTGAGE COMPANY, INC. 1 7.13% $5,441
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.63% $4,020
Ally Bank 1 6.38% $3,140
AMERITRUST MORTGAGE CORPORATION 1 9.63% $45,560
THE ANDERSON FINANCIAL GROUP, INC. 1 6.38% $6,192
AMERISAVE MORTGAGE CORPORATION 1 5.99% $9,976
Gateway First Bank 1 6.13% $3,653
WINGS FINANCIAL 1 7.00% $3,017
The Northern Trust Company 1 6.50% $4,906
MICHIGAN MUTUAL, INC. 1 6.13% $4,250
MidWestOne Bank 1 6.25% $13,324
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.63% $7,316
Meridian Bank Corporation 1 6.75% $4,268
Mortgage Research Center, LLC 1 7.13% $2,664
MOUNTAIN AMERICA 1 6.38% $6,764
ENCORE BANK 1 7.38% $3,629
EMBRACE HOME LOANS, INC. 1 6.99% $6,424
M&T Bank 1 5.38% $3,600
Discover Bank 1 7.49% $0
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.63% $3,784
DELMAR FINANCIAL COMPANY 1 6.88% $3,634
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.13% $4,469
UIF CORPORATION 1 6.99% $3,940
Fifth Third Bank 1 6.99% $1,476
CORNHUSKER BANK 1 7.00% $2,939
Loan Simple, Inc. 1 7.13% $9,453
NEXERA HOLDING LLC 1 8.38% $6,043

BOULDER Average Closing Costs & Other Stats

BOULDER, CO's 211 lenders originated 6,077 loans during 2024. The total origination value was $3,600,575,000, with an average loan value of $592,492.

BOULDER's average closing costs are $4,624.

The top BOULDER lender as defined by loan originations is Elevations Credit Union, with 506 loans originated. Their average total fees are $4,275, which is $2,973 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee BOULDER lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($1,573), SWBC MORTGAGE CORPORATION ($1,968), Charles Schwab Bank, SSB ($2,335), Stifel Bank and Trust ($2,871) and CANVAS CREDIT UNION ($3,922).

The lowest rate BOULDER lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.15%), HOMEAMERICAN MORTGAGE CORPORATION (5.63%), Ent Credit Union (5.88%), INSPIRE HOME LOANS INC. (5.89%) and Charles Schwab Bank, SSB (5.91%).

BOULDER, CO 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
Elevations Credit Union $417,115,000 $398,520,000 -4.5% 11.1%
JONES LANG LASALLE MULTIFAMILY, LLC $179,545,000 $344,225,000 91.7% 9.6%
UNITED WHOLESALE MORTGAGE, LLC $222,345,000 $324,855,000 46.1% 9.0%
FirstBank $143,750,000 $137,010,000 -4.7% 3.8%
QUICKEN LOANS, LLC $72,405,000 $107,735,000 48.8% 3.0%
CMG MORTGAGE, INC. $60,780,000 $89,155,000 46.7% 2.5%
JPMorgan Chase Bank $89,685,000 $86,880,000 -3.1% 2.4%
Regions Bank $1,590,000 $84,570,000 5,218.9% 2.3%
EAGLE HOME MORTGAGE, LLC $63,910,000 $79,455,000 24.3% 2.2%
CROSSCOUNTRY MORTGAGE, LLC $57,155,000 $75,240,000 31.6% 2.1%
GUILD MORTGAGE COMPANY $27,515,000 $72,695,000 164.2% 2.0%
PNC Bank $40,355,000 $57,830,000 43.3% 1.6%
CBRE MULTIFAMILY CAPITAL, INC. $55,105,000 n/a 1.5%
Morgan Stanley Private Bank $32,535,000 $55,015,000 69.1% 1.5%
HOMEAMERICAN MORTGAGE CORPORATION $4,725,000 $52,150,000 1,003.7% 1.4%
WALKER & DUNLOP, LLC $46,865,000 n/a 1.3%
Bank of America $64,665,000 $41,895,000 -35.2% 1.2%
SWBC MORTGAGE CORPORATION $24,190,000 $41,850,000 73.0% 1.2%
INSPIRE HOME LOANS INC. $7,955,000 $37,180,000 367.4% 1.0%
Zions Bank $45,160,000 $35,675,000 -21.0% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $45,970,000 $34,055,000 -25.9% 0.9%
BERKELEY POINT CAPITAL LLC $30,250,000 n/a 0.8%
ALLIED MORTGAGE GROUP, INC. $13,195,000 $30,030,000 127.6% 0.8%
NORTHMARQ CAPITAL FINANCE, L.L.C. $30,005,000 n/a 0.8%
PREMIER MEMBERS CREDIT UNION $52,385,000 $29,190,000 -44.3% 0.8%
U.S. Bank $34,335,000 $28,895,000 -15.8% 0.8%
S1L, Inc. $19,140,000 $27,965,000 46.1% 0.8%
Ent Credit Union $34,455,000 $26,475,000 -23.2% 0.7%
PENNYMAC LOAN SERVICES, LLC $10,555,000 $26,085,000 147.1% 0.7%
Wells Fargo Bank $42,425,000 $22,565,000 -46.8% 0.6%
TBI MORTGAGE COMPANY $11,505,000 $21,620,000 87.9% 0.6%
LOANDEPOT.COM, LLC $10,985,000 $21,405,000 94.9% 0.6%
The Huntington National Bank $18,190,000 $20,045,000 10.2% 0.6%
Charles Schwab Bank, SSB $15,715,000 $19,410,000 23.5% 0.5%
Wintrust Bank, N.A. $19,005,000 n/a 0.5%
GUARANTEED RATE, INC. $26,105,000 $18,150,000 -30.5% 0.5%
BELLCO $14,560,000 $18,130,000 24.5% 0.5%
Commerce Home Mortgage, Inc. $22,775,000 $17,260,000 -24.2% 0.5%
Glacier Bank $17,005,000 n/a 0.5%
Independent Bank $1,320,000 $16,380,000 1,140.9% 0.5%
JET HOMELOANS, LLC $17,110,000 $16,015,000 -6.4% 0.4%
CANVAS CREDIT UNION $6,200,000 $15,615,000 151.9% 0.4%
V.I.P. MORTGAGE, INC. $18,835,000 $15,275,000 -18.9% 0.4%
UBS Bank USA $10,000,000 $14,955,000 49.6% 0.4%
HOMESIDE FINANCIAL, LLC $450,000 $14,710,000 3,168.9% 0.4%
Keystone Funding, Inc. $605,000 $14,325,000 2,267.8% 0.4%
Citibank $18,940,000 $13,820,000 -27.0% 0.4%
BMO Harris Bank $20,310,000 $13,685,000 -32.6% 0.4%
PROVIDENT FUNDING ASSOCIATES, L.P. $11,735,000 $13,560,000 15.6% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $5,705,000 $13,475,000 136.2% 0.4%
The Loan Store, Inc. $6,510,000 $13,435,000 106.4% 0.4%
NAVY FEDERAL CREDIT UNION $8,815,000 $13,290,000 50.8% 0.4%
GREYSTONE SERVICING COMPANY LLC $5,005,000 $13,185,000 163.4% 0.4%
American Mortgage & Equity Consultants, Inc. $12,495,000 $13,040,000 4.4% 0.4%
TOWNE MORTGAGE COMPANY $2,985,000 $13,040,000 336.9% 0.4%
Alpine Bank $7,740,000 $12,805,000 65.4% 0.4%
WESTERRA CREDIT UNION $8,545,000 $12,685,000 48.4% 0.4%
AMERICAN FINANCING CORPORATION $3,615,000 $12,495,000 245.6% 0.3%
Bank of Colorado $19,195,000 $12,495,000 -34.9% 0.3%
FREEDOM MORTGAGE CORPORATION $1,890,000 $11,210,000 493.1% 0.3%
BROKER SOLUTIONS, INC. $11,260,000 $10,760,000 -4.4% 0.3%
Prudential Huntoon Paige Associates, LLC $31,970,000 $10,725,000 -66.5% 0.3%
NEWREZ LLC $3,250,000 $10,085,000 210.3% 0.3%
Ixonia Bank $6,250,000 $9,665,000 54.6% 0.3%
MOVEMENT MORTGAGE, LLC $10,645,000 $9,545,000 -10.3% 0.3%
First Western Trust Bank $4,210,000 $9,265,000 120.1% 0.3%
Blue Federal Credit Union $7,880,000 $9,120,000 15.7% 0.3%
Stifel Bank and Trust $3,525,000 $9,105,000 158.3% 0.3%
UMB Bank $9,760,000 $8,460,000 -13.3% 0.2%
Plains Commerce Bank $7,550,000 $8,385,000 11.1% 0.2%
UNION HOME MORTGAGE CORP. $1,800,000 $8,035,000 346.4% 0.2%
First National Bank of Omaha $32,980,000 $7,970,000 -75.8% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $6,990,000 $7,875,000 12.7% 0.2%
Prosperity Home Mortgage, LLC $4,080,000 $7,670,000 88.0% 0.2%
ZILLOW HOME LOANS, LLC $900,000 $7,635,000 748.3% 0.2%
Dollar Bank, Federal Savings Bank $5,665,000 $7,565,000 33.5% 0.2%
INTERCAP LENDING INC. $11,265,000 $7,470,000 -33.7% 0.2%
LENDINGHOME FUNDING CORPORATION $5,605,000 $7,310,000 30.4% 0.2%
Century Mortgage Company DBA Century Lending Company $365,000 $7,265,000 1,890.4% 0.2%
SECURITY SERVICE $10,970,000 $6,925,000 -36.9% 0.2%
Sunflower Bank $7,240,000 $6,925,000 -4.4% 0.2%
Merchants Mortgage & Trust Corporation $13,675,000 $6,920,000 -49.4% 0.2%
BAY EQUITY LLC $3,195,000 $6,675,000 108.9% 0.2%
PLAZA HOME MORTGAGE, INC. $1,255,000 $6,570,000 423.5% 0.2%
BOKF $18,975,000 $6,405,000 -66.2% 0.2%
AMERICAN HERITAGE LENDING, INC. $1,405,000 $6,190,000 340.6% 0.2%
GUARANTEED RATE AFFINITY, LLC $11,065,000 $6,010,000 -45.7% 0.2%
CALCON MUTUAL MORTGAGE LLC $4,545,000 $5,830,000 28.3% 0.2%
HOMEXPRESS MORTGAGE CORP. $2,700,000 $5,790,000 114.4% 0.2%
NOVA FINANCIAL & INVESTMENT CORPORATION $7,465,000 $5,740,000 -23.1% 0.2%
FINANCE OF AMERICA REVERSE LLC $9,095,000 $5,660,000 -37.8% 0.2%
City National Bank $985,000 $5,645,000 473.1% 0.2%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $7,915,000 $5,635,000 -28.8% 0.2%
NBKC BANK $2,465,000 $5,620,000 128.0% 0.2%
ANB Bank $50,330,000 $5,595,000 -88.9% 0.2%
BNY Mellon $5,470,000 $5,510,000 0.7% 0.2%
Sooper Credit Union $8,375,000 $5,165,000 -38.3% 0.1%
Citadel Servicing Corporation $4,290,000 $5,060,000 17.9% 0.1%
Farmers Bank & Trust $1,785,000 $4,965,000 178.2% 0.1%
NMSI, INC. $1,255,000 $4,675,000 272.5% 0.1%
ORIX REAL ESTATE CAPITAL, LLC $4,675,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $3,850,000 $4,660,000 21.0% 0.1%
NEST HOME LENDING, LLC $2,745,000 $4,605,000 67.8% 0.1%
MEGASTAR FINANCIAL CORP. $5,790,000 $4,540,000 -21.6% 0.1%
Credit Union of Denver $3,905,000 $4,405,000 12.8% 0.1%
OCMBC, INC. $1,215,000 $4,375,000 260.1% 0.1%
First Interstate Bank $4,110,000 $4,175,000 1.6% 0.1%
DEEPHAVEN MORTGAGE LLC $4,630,000 $4,145,000 -10.5% 0.1%
SOUTHERN LENDING SERVICES, LTD. $1,350,000 $4,140,000 206.7% 0.1%
Mortgage Research Center, LLC $3,870,000 $4,105,000 6.1% 0.1%
Bethpage Federal Credit Union $1,390,000 $4,030,000 189.9% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $5,050,000 $3,955,000 -21.7% 0.1%
Flagstar Bank, FSB $5,630,000 $3,880,000 -31.1% 0.1%
Northpointe Bank $4,330,000 $3,760,000 -13.2% 0.1%
ALLIANT CREDIT UNION $2,760,000 $3,690,000 33.7% 0.1%
RF Renovo Management Company, LLC $2,170,000 $3,670,000 69.1% 0.1%
NBH Bank $4,405,000 $3,660,000 -16.9% 0.1%
LENDSURE MORTGAGE CORP. $1,645,000 $3,630,000 120.7% 0.1%
LONGBRIDGE FINANCIAL, LLC $4,160,000 $3,480,000 -16.3% 0.1%
PHH Mortgage Corporation $3,055,000 $3,470,000 13.6% 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $3,455,000 n/a 0.1%
SUMMIT FUNDING, INC. $4,570,000 $3,390,000 -25.8% 0.1%
BETTER MORTGAGE CORPORATION $2,445,000 $3,290,000 34.6% 0.1%
AMWEST FUNDING CORP. $710,000 $3,265,000 359.9% 0.1%
Figure Lending LLC $2,470,000 $3,140,000 27.1% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $2,665,000 $3,070,000 15.2% 0.1%
Network Funding, L.P. $3,070,000 n/a 0.1%
CANOPY MORTGAGE, LLC $1,030,000 $3,030,000 194.2% 0.1%
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION $3,285,000 $2,990,000 -9.0% 0.1%
First Federal Bank $655,000 $2,890,000 341.2% 0.1%
KeyBank $7,125,000 $2,855,000 -59.9% 0.1%
PLANET HOME LENDING, LLC $11,555,000 $2,810,000 -75.7% 0.1%
CIBC Bank USA $2,760,000 n/a 0.1%
Commerce Bank $4,740,000 $2,750,000 -42.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $4,250,000 $2,670,000 -37.2% 0.1%
Discover Bank $1,205,000 $2,555,000 112.0% 0.1%
LAKEVIEW LOAN SERVICING, LLC $415,000 $2,545,000 513.3% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $4,645,000 $2,535,000 -45.4% 0.1%
SANDIA LABORATORY $2,525,000 n/a 0.1%
WesBanco $2,460,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $5,480,000 $2,445,000 -55.4% 0.1%
RBC Bank, (Georgia) $345,000 $2,445,000 608.7% 0.1%
FLAT BRANCH MORTGAGE, INC. $2,395,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $860,000 $2,345,000 172.7% 0.1%
First National Bank $2,250,000 n/a 0.1%
Citizens Bank $4,320,000 $2,165,000 -49.9% 0.1%
SPRING EQ, LLC $900,000 $2,165,000 140.6% 0.1%
MidFirst Bank $5,450,000 $2,115,000 -61.2% 0.1%
EVERETT FINANCIAL, INC. $2,325,000 $2,075,000 -10.8% 0.1%
USAA Federal Savings Bank $2,305,000 $2,075,000 -10.0% 0.1%
NP, Inc. $345,000 $2,065,000 498.6% 0.1%
Bank of England $6,570,000 $2,010,000 -69.4% 0.1%
COLORADO CREDIT UNION $820,000 $1,995,000 143.3% 0.1%
ALAMEDA MORTGAGE CORPORATION $1,985,000 n/a 0.1%
Armed Forces Bank $1,910,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $1,895,000 n/a 0.1%
T2 FINANCIAL LLC $945,000 $1,890,000 100.0% 0.1%
Axos Bank $155,000 $1,880,000 1,112.9% 0.1%
THE MORTGAGE COMPANY $1,885,000 $1,880,000 -0.3% 0.1%
NEW DAY FINANCIAL, LLC $1,090,000 $1,865,000 71.1% 0.1%
Bell Bank $4,535,000 $1,835,000 -59.5% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $1,750,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,195,000 $1,685,000 -23.2% 0.0%
Sierra Pacific Mortgage Company, Inc. $675,000 $1,680,000 148.9% 0.0%
FIRST COLONY MORTGAGE CORPORATION $1,675,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $350,000 $1,655,000 372.9% 0.0%
Greenbox Loans, Inc. $1,305,000 $1,545,000 18.4% 0.0%
FBC MORTGAGE, LLC $1,535,000 n/a 0.0%
OAKTREE FUNDING CORP. $1,485,000 n/a 0.0%
Academy Bank $655,000 $1,480,000 126.0% 0.0%
High Plains Bank $1,845,000 $1,475,000 -20.1% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $135,000 $1,475,000 992.6% 0.0%
ADVANCIAL $1,720,000 $1,430,000 -16.9% 0.0%
Raymond James Bank $9,270,000 $1,410,000 -84.8% 0.0%
The Northern Trust Company $1,405,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $615,000 $1,375,000 123.6% 0.0%
US MORTGAGE CORPORATION $1,375,000 n/a 0.0%
212 LOANS, LLC. $1,300,000 $1,370,000 5.4% 0.0%
NFM, INC. $985,000 $1,345,000 36.5% 0.0%
GREENSTATE CREDIT UNION $1,320,000 n/a 0.0%
Wilmington Savings Fund Society, FSB $1,310,000 n/a 0.0%
AMERITRUST MORTGAGE CORPORATION $1,245,000 n/a 0.0%
NexBank $4,400,000 $1,245,000 -71.7% 0.0%
21ST MORTGAGE CORPORATION $1,255,000 $1,220,000 -2.8% 0.0%
First-Citizens Bank & Trust Company $4,895,000 $1,210,000 -75.3% 0.0%
Red Rocks Credit Union $235,000 $1,180,000 402.1% 0.0%
JMAC LENDING, INC. $4,120,000 $1,175,000 -71.5% 0.0%
CHEVRON $1,130,000 n/a 0.0%
AMERISAVE MORTGAGE CORPORATION $2,120,000 $1,070,000 -49.5% 0.0%
THE ANDERSON FINANCIAL GROUP, INC. $1,045,000 n/a 0.0%
Loan Simple, Inc. $1,020,000 n/a 0.0%
American Airlines Federal Credit Union $1,005,000 n/a 0.0%
The Park National Bank $1,005,000 n/a 0.0%
Mortgage Assurance Inc. $995,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $605,000 $990,000 63.6% 0.0%
MidWestOne Bank $975,000 n/a 0.0%
Deere Employees Credit Union $970,000 n/a 0.0%
M2 Lending Solutions, LLC $2,065,000 $970,000 -53.0% 0.0%
Coastal Community Bank $745,000 $960,000 28.9% 0.0%
MICHIGAN MUTUAL, INC. $700,000 $960,000 37.1% 0.0%
Meridian Bank Corporation $935,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $930,000 n/a 0.0%
GROUP MORTGAGE, LLC $1,545,000 $930,000 -39.8% 0.0%
Oakstar Bank $905,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $495,000 $880,000 77.8% 0.0%
NORWICH COMMERCIAL GROUP, INC. $855,000 n/a 0.0%
Ally Bank $2,235,000 $850,000 -62.0% 0.0%
FIRST TECHNOLOGY $1,050,000 $850,000 -19.0% 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $845,000 n/a 0.0%
LENDINGONE, LLC $845,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $835,000 n/a 0.0%
Adams Bank & Trust $565,000 $830,000 46.9% 0.0%
ENDEAVOR CAPITAL, LLC. $810,000 n/a 0.0%
M&T Bank $305,000 $805,000 163.9% 0.0%
Logan Finance Corporation $790,000 n/a 0.0%
ENVOY MORTGAGE, LTD $760,000 n/a 0.0%
First Savings Bank $755,000 n/a 0.0%
A&D Mortgage LLC $750,000 n/a 0.0%
Fifth Third Bank $26,015,000 $750,000 -97.1% 0.0%
Equity Prime Mortgage LLC $740,000 n/a 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $735,000 n/a 0.0%
Financial Funding Solutions, Inc. $3,760,000 $730,000 -80.6% 0.0%
ALTITUDE FINANCIAL CORPORATION $725,000 n/a 0.0%
HighTechLending Inc $720,000 n/a 0.0%
LOANPAL, LLC $215,000 $715,000 232.6% 0.0%
LOANPEOPLE, LLC $1,005,000 $715,000 -28.9% 0.0%
RESIDENTIAL MORTGAGE, LLC $710,000 n/a 0.0%
American National Bank & Trust $705,000 n/a 0.0%
First Merchants Bank $705,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $705,000 n/a 0.0%
Deutsche Bank Trust Company Americas $695,000 n/a 0.0%
SIRVA MORTGAGE, INC. $690,000 n/a 0.0%
MOUNTAIN AMERICA $105,000 $680,000 547.6% 0.0%
Truist $810,000 $680,000 -16.0% 0.0%
ALL REVERSE MORTGAGE, INC. $545,000 $660,000 21.1% 0.0%
FOUNDATION MORTGAGE CORPORATION $635,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $1,205,000 $635,000 -47.3% 0.0%
DELMAR FINANCIAL COMPANY $625,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $625,000 n/a 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $625,000 n/a 0.0%
THOMPSON KANE & COMPANY, LLC $615,000 n/a 0.0%
AMERICAN FINANCIAL NETWORK, INC. $605,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $2,225,000 $605,000 -72.8% 0.0%
Simmons Bank $605,000 n/a 0.0%
Residential Mortgage Solutions, Inc. $595,000 $595,000 0.0% 0.0%
VAN DYK MORTGAGE CORPORATION $575,000 n/a 0.0%
COMPASS MORTGAGE, INC. $565,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $6,795,000 $560,000 -91.8% 0.0%
Nations Lending Corporation $545,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $725,000 $535,000 -26.2% 0.0%
GMFS LLC $415,000 $535,000 28.9% 0.0%
QUORUM FEDERAL CREDIT UNION $65,000 $530,000 715.4% 0.0%
Amalgamated Bank $525,000 n/a 0.0%
UIF CORPORATION $505,000 n/a 0.0%
Hometown Equity Mortgage, LLC $485,000 $495,000 2.1% 0.0%
SUN Federal Credit Union $495,000 n/a 0.0%
FUNDLOANS CAPITAL $970,000 $485,000 -50.0% 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $485,000 n/a 0.0%
Baxter Credit Union $475,000 n/a 0.0%
GTE Federal Credit Union $475,000 n/a 0.0%
AIR ACADEMY $770,000 $470,000 -39.0% 0.0%
HUNT MORTGAGE CORPORATION $465,000 n/a 0.0%
Waterstone Mortgage Corporation $1,080,000 $465,000 -56.9% 0.0%
Gateway First Bank $410,000 $445,000 8.5% 0.0%
NEXERA HOLDING LLC $1,360,000 $445,000 -67.3% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $435,000 n/a 0.0%
ENCORE BANK $1,755,000 $415,000 -76.4% 0.0%
Bank-Fund Staff Federal Credit Union $405,000 n/a 0.0%
CARDINAL FINANCIAL $8,025,000 $405,000 -95.0% 0.0%
Springfield First Community Bank $405,000 n/a 0.0%
STANFORD Federal Credit Union $235,000 $405,000 72.3% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $395,000 n/a 0.0%
First National Bank of America $860,000 $375,000 -56.4% 0.0%
The Federal Savings Bank $1,005,000 $375,000 -62.7% 0.0%
Carrington Mortgage Services, LLC $1,170,000 $365,000 -68.8% 0.0%
DENVER COMMUNITY $360,000 n/a 0.0%
PARTNER COLORADO $1,360,000 $360,000 -73.5% 0.0%
Gate City Bank $355,000 n/a 0.0%
Sandy Spring Bank $355,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $345,000 n/a 0.0%
Community First National Bank $165,000 $345,000 109.1% 0.0%
WINGS FINANCIAL $180,000 $345,000 91.7% 0.0%
Leader Bank $330,000 n/a 0.0%
CORNHUSKER BANK $325,000 n/a 0.0%
North American Savings Bank, F.S.B. $325,000 n/a 0.0%
Servion, Inc. $315,000 n/a 0.0%
CITYWIDE HOME LOANS, LLC $810,000 $310,000 -61.7% 0.0%
First United Bank and Trust Company $285,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $515,000 $275,000 -46.6% 0.0%
USAlliance Federal Credit Union $275,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $335,000 $260,000 -22.4% 0.0%
NJ LENDERS CORP. $255,000 n/a 0.0%
DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION $250,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $250,000 n/a 0.0%
FirsTier Bank $245,000 n/a 0.0%
Old National Bank $3,035,000 $245,000 -91.9% 0.0%
NORTH VALLEY BANK $235,000 n/a 0.0%
Peak Financial $215,000 n/a 0.0%
Connexus Credit Union $140,000 $205,000 46.4% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $3,170,000 $185,000 -94.2% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $465,000 $175,000 -62.4% 0.0%
CORNING $125,000 $160,000 28.0% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $65,000 $155,000 138.5% 0.0%
Consolidated Federal Credit Union $255,000 $145,000 -43.1% 0.0%
GEORGIA'S OWN $145,000 n/a 0.0%
Service Federal Credit Union $125,000 n/a 0.0%
Centier Bank $85,000 n/a 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $75,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $65,000 $65,000 0.0% 0.0%
Elements Financial Federal Credit Union $55,000 n/a 0.0%
Space Age Federal Credit Union $55,000 n/a 0.0%
The Central Trust Bank $1,445,000 $55,000 -96.2% 0.0%
Metrum Community Credit Union $125,000 $35,000 -72.0% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

BOULDER's top lender by overall market share is Elevations Credit Union, with 11.1% market share. In second place, with 9.6%, is JONES LANG LASALLE MULTIFAMILY, LLC, having originated $344,225,000 in loans. In third place, with 9.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $324,855,000 in loans. In fourth place, with 3.8%, is FirstBank, having originated $137,010,000 in loans. In fifth place, with 3.0%, is QUICKEN LOANS, LLC, having originated $107,735,000 in loans.

BOULDER, CO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,326 $2,284,550,000 $686,876
Cash Out Refi 809 $614,825,000 $759,981
Refi 692 $445,560,000 $643,873
Home Improvement 637 $113,625,000 $178,375
Other 610 $139,300,000 $228,361
NA 3 $2,715,000 $905,000

Boulder's most frequently cited loan purpose was Home Purchase, with 3,326 originations. The 2nd most popular reason was Cash Out Refi, with 809 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 2,300 $1,687,920,000 $733,878
Over 8% 1,619 $361,685,000 $223,400
7-8% 1,054 $564,960,000 $536,015
5-6% 850 $656,110,000 $771,894
4-5% 182 $247,630,000 $1,360,604
2.5-3% 25 $52,275,000 $2,091,000
<2.5% 20 $1,210,000 $60,500
3-4% 5 $1,815,000 $363,000

During 2024, Boulder's most frequently originated rate bucket was 6-7%, with 2,300 originations.

Loan Sizing (BOULDER, CO MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,484 $438,720,000 $295,633
$400k-600k 1,464 $714,620,000 $488,128
$600k-1000k 1,215 $897,575,000 $738,745
$100k-200k 759 $106,075,000 $139,756
$100,000 or less 732 $43,250,000 $59,085
$Over $1MM 423 $1,400,335,000 $3,310,485

BOULDER's loan sizing saw the bucket of loans from $200k-400k with 1,484 originations, totaling $438,720,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,568 $1,255,310,000 $800,580
80-100% 1,403 $886,985,000 $632,206
Under 20% 1,346 $161,150,000 $119,725
20-40% 897 $286,365,000 $319,247
40-60% 785 $560,025,000 $713,408
Over 100% 29 $408,775,000 $14,095,690

BOULDER's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,568 originations, totaling $1,255,310,000 in origination value.