Breckenridge Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Breckenridge averaged
6.15%
for the week of 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
5.77% and
one month ago for the week of 2023-04-20, the
average rate was 5.67%.
Breckenridge's average rate one year ago was 4.53%.
For refis of the same type during the week of 2023-05-25, the average rate
was 4.8%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Breckenridge 30 Year Fixed Rate | 2023-05-25 | 6.15% |
| Breckenridge 30 Year Fixed Rate Refi | 2023-05-25 | 4.8% |
| Breckenridge 15 Year Fixed Rate | 2023-05-25 | 6.07% |
| Breckenridge 15 Year Fixed Rate Refi | 2023-05-25 | 6.27% |
| Breckenridge 30 Year FHA | 2023-05-25 | 6.61% |
| Breckenridge 30 Year FHA Refi | 2023-05-25 | 6.81% |
| Breckenridge 30 Year USDA | 2023-05-25 | 6.43% |
| Breckenridge 30 Year USDA Refi | 2023-05-25 | 6.53% |
| Breckenridge 30 Year VA | 2023-05-25 | 6.61% |
| Breckenridge 30 Year VA Refi | 2023-05-25 | 6.41% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Breckenridge, CO.
Breckenridge 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 Breckenridge, 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.).
Breckenridge Average Closing Costs & Other Stats
Breckenridge, CO's 160 lenders originated 2,041
loans during 2022. The total origination value was $1,417,605,000, with an average loan value of
$694,564.
Breckenridge's average closing costs are $4,729.
The top Breckenridge lender as defined by loan originations is BOKF, with
113 loans originated. Their average total fees are
$3,911, which is $1,423
lower than the next largest lender,
FirstBank.
The lowest fee Breckenridge lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($1,047), BOKF ($3,911), First Western Trust Bank ($3,934), Elevations Credit Union ($4,071) and Charles Schwab Bank, SSB ($4,264).
The lowest rate Breckenridge lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (3.35%), Bank of America (3.48%), Morgan Stanley Private Bank (3.67%), LOANDEPOT.COM, LLC (4.00%) and First Western Trust Bank (4.05%).
Breckenridge, 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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| FirstBank | $1,070,000 | $162,800,000 | 15,115.0% | 11.5% |
| Alpine Bank | $89,840,000 | $78,830,000 | -12.3% | 5.6% |
| KeyBank | $101,995,000 | $77,420,000 | -24.1% | 5.5% |
| BOKF | $200,465,000 | $68,150,000 | -66.0% | 4.8% |
| U.S. Bank | $120,070,000 | $66,470,000 | -44.6% | 4.7% |
| Morgan Stanley Private Bank | $37,355,000 | $55,175,000 | 47.7% | 3.9% |
| JPMorgan Chase Bank | $100,055,000 | $53,670,000 | -46.4% | 3.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $148,125,000 | $49,205,000 | -66.8% | 3.5% |
| ORIX REAL ESTATE CAPITAL, LLC | $47,505,000 | n/a | 3.4% | |
| Wells Fargo Bank | $118,195,000 | $47,240,000 | -60.0% | 3.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $34,515,000 | $30,150,000 | -12.6% | 2.1% |
| Bank of America | $52,035,000 | $29,075,000 | -44.1% | 2.1% |
| MEGASTAR FINANCIAL CORP. | $72,440,000 | $24,840,000 | -65.7% | 1.8% |
| QUICKEN LOANS, LLC | $114,230,000 | $22,985,000 | -79.9% | 1.6% |
| CMG MORTGAGE, INC. | $57,745,000 | $20,545,000 | -64.4% | 1.4% |
| First Republic Bank | $4,710,000 | $20,110,000 | 327.0% | 1.4% |
| Zions Bancorporation, N.A. | $16,175,000 | $19,610,000 | 21.2% | 1.4% |
| UBS Bank USA | $28,780,000 | $18,660,000 | -35.2% | 1.3% |
| Charles Schwab Bank, SSB | $26,205,000 | $18,035,000 | -31.2% | 1.3% |
| PNC Bank | $13,295,000 | $17,995,000 | 35.4% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $58,710,000 | $17,880,000 | -69.5% | 1.3% |
| CORNERSTONE HOME LENDING, INC. | $31,885,000 | $15,785,000 | -50.5% | 1.1% |
| Bank of Colorado | $8,615,000 | $15,285,000 | 77.4% | 1.1% |
| MOVEMENT MORTGAGE, LLC | $6,995,000 | $13,340,000 | 90.7% | 0.9% |
| Ent Credit Union | $11,515,000 | $13,170,000 | 14.4% | 0.9% |
| UMB Bank | $8,010,000 | $12,770,000 | 59.4% | 0.9% |
| Raymond James Bank | $805,000 | $12,525,000 | 1,455.9% | 0.9% |
| Citibank | $10,860,000 | $11,880,000 | 9.4% | 0.8% |
| Bank of the West | $19,060,000 | $11,655,000 | -38.9% | 0.8% |
| Elevations Credit Union | $21,790,000 | $11,220,000 | -48.5% | 0.8% |
| Flagstar Bank, FSB | $16,820,000 | $10,420,000 | -38.0% | 0.7% |
| CHERRY CREEK MORTGAGE, LLC | $30,410,000 | $10,065,000 | -66.9% | 0.7% |
| Bank of England | $24,690,000 | $8,515,000 | -65.5% | 0.6% |
| Stifel Bank and Trust | $8,815,000 | $8,255,000 | -6.4% | 0.6% |
| BROKER SOLUTIONS, INC. | $9,100,000 | $7,315,000 | -19.6% | 0.5% |
| MidWestOne Bank | $355,000 | $7,080,000 | 1,894.4% | 0.5% |
| CALIBER HOME LOANS, INC. | $18,875,000 | $6,930,000 | -63.3% | 0.5% |
| FINANCE OF AMERICA MORTGAGE LLC | $16,180,000 | $6,905,000 | -57.3% | 0.5% |
| LOANDEPOT.COM, LLC | $37,685,000 | $6,775,000 | -82.0% | 0.5% |
| First Western Trust Bank | $15,805,000 | $6,665,000 | -57.8% | 0.5% |
| GUARANTEED RATE, INC. | $23,915,000 | $6,525,000 | -72.7% | 0.5% |
| The Huntington National Bank | $5,370,000 | $6,355,000 | 18.3% | 0.4% |
| Mabrey Bank | $6,215,000 | n/a | 0.4% | |
| PENNYMAC LOAN SERVICES, LLC | $14,275,000 | $5,895,000 | -58.7% | 0.4% |
| S1L, Inc. | $9,445,000 | $5,360,000 | -43.3% | 0.4% |
| ARC HOME LLC | $935,000 | $5,240,000 | 460.4% | 0.4% |
| Truist | $5,055,000 | $5,150,000 | 1.9% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,015,000 | $4,890,000 | 62.2% | 0.3% |
| Goldman Sachs Bank USA | $2,965,000 | $4,410,000 | 48.7% | 0.3% |
| PREMIER MEMBERS CREDIT UNION | $1,485,000 | $4,365,000 | 193.9% | 0.3% |
| First-Citizens Bank & Trust Company | $4,205,000 | n/a | 0.3% | |
| Old National Bank | $610,000 | $4,090,000 | 570.5% | 0.3% |
| HOME POINT FINANCIAL CORPORATION | $32,455,000 | $3,950,000 | -87.8% | 0.3% |
| Amerifirst Financial, Inc. | $6,030,000 | $3,895,000 | -35.4% | 0.3% |
| Sooper Credit Union | $3,845,000 | n/a | 0.3% | |
| Financial Funding Solutions, Inc. | $6,915,000 | $3,655,000 | -47.1% | 0.3% |
| MidFirst Bank | $2,365,000 | $3,585,000 | 51.6% | 0.3% |
| Regions Bank | $3,170,000 | $3,500,000 | 10.4% | 0.2% |
| BETTER MORTGAGE CORPORATION | $22,830,000 | $3,460,000 | -84.8% | 0.2% |
| AMERICAN FINANCING CORPORATION | $13,225,000 | $3,305,000 | -75.0% | 0.2% |
| Northpointe Bank | $10,920,000 | $3,225,000 | -70.5% | 0.2% |
| V.I.P. MORTGAGE, INC. | $8,915,000 | $3,030,000 | -66.0% | 0.2% |
| The Northern Trust Company | $2,510,000 | $3,010,000 | 19.9% | 0.2% |
| Texas Bank and Trust Company | $2,105,000 | $3,000,000 | 42.5% | 0.2% |
| Silicon Valley Bank | $2,965,000 | n/a | 0.2% | |
| City State Bank | $2,875,000 | n/a | 0.2% | |
| First National Bank | $505,000 | $2,865,000 | 467.3% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $8,675,000 | $2,635,000 | -69.6% | 0.2% |
| Plains Commerce Bank | $5,925,000 | $2,575,000 | -56.5% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,410,000 | $2,530,000 | 79.4% | 0.2% |
| Commerce Bank | $6,580,000 | $2,530,000 | -61.6% | 0.2% |
| CIBC Bank USA | $1,205,000 | $2,505,000 | 107.9% | 0.2% |
| City National Bank | $3,755,000 | $2,470,000 | -34.2% | 0.2% |
| BancorpSouth Bank | $2,435,000 | n/a | 0.2% | |
| NEWREZ LLC | $8,095,000 | $2,090,000 | -74.2% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $880,000 | $2,065,000 | 134.7% | 0.1% |
| Adams Bank & Trust | $2,660,000 | $2,060,000 | -22.6% | 0.1% |
| Citywide Banks | $1,430,000 | $2,035,000 | 42.3% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $7,210,000 | $2,010,000 | -72.1% | 0.1% |
| Community Savings Bank | $2,005,000 | n/a | 0.1% | |
| Veritex Community Bank | $2,005,000 | n/a | 0.1% | |
| Ally Bank | $7,355,000 | $1,975,000 | -73.1% | 0.1% |
| Bank of Springfield | $1,955,000 | n/a | 0.1% | |
| NBH Bank | $12,555,000 | $1,945,000 | -84.5% | 0.1% |
| Gateway First Bank | $405,000 | $1,910,000 | 371.6% | 0.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $11,250,000 | $1,880,000 | -83.3% | 0.1% |
| First Horizon Bank | $2,195,000 | $1,840,000 | -16.2% | 0.1% |
| THRIVE MORTGAGE, LLC | $1,965,000 | $1,770,000 | -9.9% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,690,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $1,635,000 | n/a | 0.1% | |
| CANVAS CREDIT UNION | $8,625,000 | $1,620,000 | -81.2% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $5,475,000 | $1,590,000 | -71.0% | 0.1% |
| Citizens Bank | $1,865,000 | $1,575,000 | -15.5% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $4,470,000 | $1,560,000 | -65.1% | 0.1% |
| LOANPEOPLE, LLC | $1,505,000 | n/a | 0.1% | |
| UNITED HOME LOANS, INC. | $1,505,000 | n/a | 0.1% | |
| Stockmens Bank | $1,465,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $1,710,000 | $1,455,000 | -14.9% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $595,000 | $1,450,000 | 143.7% | 0.1% |
| AMWEST FUNDING CORP. | $1,440,000 | n/a | 0.1% | |
| NexBank | $1,385,000 | n/a | 0.1% | |
| Paramount Bank | $1,000,000 | $1,385,000 | 38.5% | 0.1% |
| PrimeSouth Bank | $1,370,000 | n/a | 0.1% | |
| Chicago Mortgage Solutions LLC | $19,035,000 | $1,340,000 | -93.0% | 0.1% |
| First Bank | $1,330,000 | n/a | 0.1% | |
| ANB Bank | $255,000 | $1,290,000 | 405.9% | 0.1% |
| LENDSURE MORTGAGE CORP. | $395,000 | $1,290,000 | 226.6% | 0.1% |
| CLEARPATH LENDING | $760,000 | $1,250,000 | 64.5% | 0.1% |
| Fifth Third Bank | $1,725,000 | $1,230,000 | -28.7% | 0.1% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $750,000 | $1,220,000 | 62.7% | 0.1% |
| Colten Mortgage, LLC | $600,000 | $1,215,000 | 102.5% | 0.1% |
| The Federal Savings Bank | $4,170,000 | $1,205,000 | -71.1% | 0.1% |
| NFM, INC. | $3,815,000 | $1,200,000 | -68.5% | 0.1% |
| HOME MORTGAGE ALLIANCE, LLC | $3,630,000 | $1,195,000 | -67.1% | 0.1% |
| CENTENNIAL LENDING, LLC | $560,000 | $1,165,000 | 108.0% | 0.1% |
| SECURITY SERVICE | $2,090,000 | $1,165,000 | -44.3% | 0.1% |
| First National Bank of Omaha | $2,160,000 | $1,160,000 | -46.3% | 0.1% |
| COLORADO CREDIT UNION | $1,170,000 | $1,135,000 | -3.0% | 0.1% |
| Greenbox Loans, Inc. | $5,220,000 | $1,135,000 | -78.3% | 0.1% |
| PLANET HOME LENDING, LLC | $3,315,000 | $1,130,000 | -65.9% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,110,000 | n/a | 0.1% | |
| BELLCO | $640,000 | $1,095,000 | 71.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $1,490,000 | $1,080,000 | -27.5% | 0.1% |
| BAC Florida Bank | $1,075,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $8,090,000 | $1,070,000 | -86.8% | 0.1% |
| The Park Bank | $1,055,000 | n/a | 0.1% | |
| M2 Lending Solutions, LLC | $1,030,000 | $1,015,000 | -1.5% | 0.1% |
| Bell Bank | $525,000 | $1,005,000 | 91.4% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $4,835,000 | $1,005,000 | -79.2% | 0.1% |
| CREDIT UNION OF THE ROCKIES | $1,845,000 | $1,000,000 | -45.8% | 0.1% |
| NATIONWIDE EQUITIES CORPORATION | $995,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $995,000 | n/a | 0.1% | |
| Blue Federal Credit Union | $545,000 | $985,000 | 80.7% | 0.1% |
| T2 FINANCIAL LLC | $3,070,000 | $970,000 | -68.4% | 0.1% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $1,735,000 | $965,000 | -44.4% | 0.1% |
| BMO Harris Bank | $855,000 | $955,000 | 11.7% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $11,225,000 | $940,000 | -91.6% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $430,000 | $925,000 | 115.1% | 0.1% |
| NAVY FEDERAL CREDIT UNION | $3,840,000 | $905,000 | -76.4% | 0.1% |
| Southwest Missouri Bank | $905,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $2,155,000 | $895,000 | -58.5% | 0.1% |
| Equity Bank | $890,000 | n/a | 0.1% | |
| WESTERRA CREDIT UNION | $2,660,000 | $865,000 | -67.5% | 0.1% |
| FBC MORTGAGE, LLC | $925,000 | $855,000 | -7.6% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,145,000 | $825,000 | -27.9% | 0.1% |
| CASTLE & COOKE MORTGAGE, LLC | $980,000 | $825,000 | -15.8% | 0.1% |
| Credit Union of Denver | $685,000 | $825,000 | 20.4% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $1,325,000 | $825,000 | -37.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $920,000 | $820,000 | -10.9% | 0.1% |
| Princeton Mortgage Corporation | $795,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $785,000 | $785,000 | 0.0% | 0.1% |
| STAR ONE CREDIT UNION | $425,000 | $785,000 | 84.7% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $2,050,000 | $780,000 | -62.0% | 0.1% |
| Loan Simple, Inc. | $1,935,000 | $780,000 | -59.7% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,290,000 | $770,000 | -66.4% | 0.1% |
| BNY Mellon | $10,635,000 | $755,000 | -92.9% | 0.1% |
| Citadel Servicing Corporation | $2,145,000 | $755,000 | -64.8% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $3,790,000 | $745,000 | -80.3% | 0.1% |
| ADVANCIAL | $665,000 | $740,000 | 11.3% | 0.1% |
| River Bank & Trust | $735,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $1,495,000 | $730,000 | -51.2% | 0.1% |
| Merchants Mortgage & Trust Corporation | $725,000 | n/a | 0.1% | |
| ATHAS CAPITAL GROUP, INC. | $1,195,000 | $705,000 | -41.0% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $705,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $685,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $675,000 | n/a | 0.0% | |
| Mortgage Bank of California | $3,240,000 | $675,000 | -79.2% | 0.0% |
| Chain Bridge Bank | $645,000 | n/a | 0.0% | |
| City Bank | $2,505,000 | $625,000 | -75.0% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $7,300,000 | $620,000 | -91.5% | 0.0% |
| GUILD MORTGAGE COMPANY | $15,020,000 | $620,000 | -95.9% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $4,115,000 | $620,000 | -84.9% | 0.0% |
| OCMBC, INC. | $700,000 | $610,000 | -12.9% | 0.0% |
| DIRECT MORTGAGE, CORP. | $700,000 | $605,000 | -13.6% | 0.0% |
| Pinnacle Bank | $485,000 | $605,000 | 24.7% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $1,040,000 | $605,000 | -41.8% | 0.0% |
| Arvest Bank | $2,455,000 | $595,000 | -75.8% | 0.0% |
| First Merchants Bank | $595,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $1,945,000 | $595,000 | -69.4% | 0.0% |
| ONY GLO, INC. | $1,150,000 | $595,000 | -48.3% | 0.0% |
| Dubuque Bank and Trust Company | $585,000 | n/a | 0.0% | |
| GENISYS | $585,000 | n/a | 0.0% | |
| IDEAL HOME LOANS LLC | $555,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $1,570,000 | $545,000 | -65.3% | 0.0% |
| Mortgage Research Center, LLC | $1,475,000 | $535,000 | -63.7% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,870,000 | $525,000 | -71.9% | 0.0% |
| Great Southern Bank | $515,000 | $525,000 | 1.9% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $515,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $1,805,000 | $515,000 | -71.5% | 0.0% |
| SPRING EQ, LLC | $510,000 | n/a | 0.0% | |
| Alliance Bank Central Texas | $505,000 | n/a | 0.0% | |
| Nations Lending Corporation | $1,665,000 | $505,000 | -69.7% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $505,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $655,000 | $495,000 | -24.4% | 0.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,225,000 | $490,000 | -94.0% | 0.0% |
| Amalgamated Bank | $1,355,000 | $485,000 | -64.2% | 0.0% |
| BNC National Bank | $1,075,000 | $485,000 | -54.9% | 0.0% |
| Figure Lending LLC | $470,000 | $475,000 | 1.1% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $755,000 | $475,000 | -37.1% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,225,000 | $465,000 | -62.0% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $115,000 | $460,000 | 300.0% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $455,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $485,000 | $440,000 | -9.3% | 0.0% |
| Hawthorn Bank | $425,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $2,100,000 | $425,000 | -79.8% | 0.0% |
| ON Q FINANCIAL, INC. | $900,000 | $425,000 | -52.8% | 0.0% |
| SUMMIT FUNDING, INC. | $530,000 | $425,000 | -19.8% | 0.0% |
| Sunflower Bank | $3,145,000 | $425,000 | -86.5% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $1,415,000 | $410,000 | -71.0% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $405,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $545,000 | $395,000 | -27.5% | 0.0% |
| Carrollton Bank | $830,000 | $375,000 | -54.8% | 0.0% |
| JMAC LENDING, INC. | $365,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $365,000 | n/a | 0.0% | |
| The Bennington State Bank | $365,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $1,570,000 | $355,000 | -77.4% | 0.0% |
| Kaw Valley Bank | $355,000 | n/a | 0.0% | |
| Republic Bank & Trust Company | $355,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $2,235,000 | $355,000 | -84.1% | 0.0% |
| NBKC BANK | $5,025,000 | $325,000 | -93.5% | 0.0% |
| 21ST MORTGAGE CORPORATION | $330,000 | $310,000 | -6.1% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,040,000 | $305,000 | -85.0% | 0.0% |
| PHH Mortgage Corporation | $1,850,000 | $295,000 | -84.1% | 0.0% |
| Equitable Bank | $285,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $1,615,000 | $255,000 | -84.2% | 0.0% |
| DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION | $245,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $205,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| Meridian Trust Federal Credit Union | $155,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $155,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $800,000 | $125,000 | -84.4% | 0.0% |
| UNIVERSITY CREDIT UNION | $115,000 | n/a | 0.0% | |
| Southern Bank | $355,000 | $95,000 | -73.2% | 0.0% |
| Centier Bank | $85,000 | n/a | 0.0% |
Breckenridge's top lender by overall market share is FirstBank, with 11.5% market share. In second place, with 5.6%, is Alpine Bank, having originated $78,830,000 in loans. In third place, with 5.5%, is KeyBank, having originated $77,420,000 in loans. In fourth place, with 4.8%, is BOKF, having originated $68,150,000 in loans. In fifth place, with 4.7%, is U.S. Bank, having originated $66,470,000 in loans.
Breckenridge Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Breckenridge (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 | $1,094,750 (10.0%) | $1,523,271 (11.4%) | 0.00 | 267 |
| 2018-02-01 | $1,024,000 (9.7%) | $1,499,438 (8.5%) | 0.00 | 273 |
| 2018-03-01 | $949,000 (6.5%) | $1,445,226 (6.9%) | 0.00 | 300 |
| 2018-04-01 | $839,000 (-5.7%) | $1,335,104 (3.5%) | 0.00 | 353 |
| 2018-05-01 | $814,000 (-2.5%) | $1,322,119 (7.2%) | 0.00 | 363 |
| 2018-06-01 | $855,000 (0.7%) | $1,340,331 (9.8%) | 0.00 | 442 |
| 2018-07-01 | $913,500 (4.4%) | $1,393,001 (9.8%) | 0.00 | 503 |
| 2018-08-01 | $925,750 (8.0%) | $1,407,047 (11.0%) | 0.00 | 512 |
| 2018-09-01 | $929,000 (0.5%) | $1,436,871 (8.4%) | 0.00 | 487 |
| 2018-10-01 | $914,000 (-7.5%) | $1,458,991 (1.9%) | 0.00 | 449 |
| 2018-11-01 | $948,250 (-11.7%) | $1,481,345 (-2.4%) | 0.00 | 405 |
| 2018-12-01 | $968,750 (-9.3%) | $1,547,372 (0.7%) | 0.00 | 366 |
| 2019-01-01 | $922,000 (-15.8%) | $1,542,808 (1.3%) | 0.00 | 341 |
| 2019-02-01 | $816,000 (-20.3%) | $1,427,096 (-4.8%) | 0.00 | 360 |
| 2019-03-01 | $859,000 (-9.5%) | $1,419,548 (-1.8%) | 0.00 | 365 |
| 2019-04-01 | $644,250 (-23.2%) | $1,096,735 (-17.9%) | 0.00 | 528 |
| 2019-05-01 | $639,225 (-21.5%) | $1,054,213 (-20.3%) | 0.00 | 595 |
| 2019-06-01 | $649,000 (-24.1%) | $1,050,754 (-21.6%) | 0.00 | 726 |
| 2019-07-01 | $649,000 (-29.0%) | $1,063,280 (-23.7%) | 0.00 | 824 |
| 2019-08-01 | $659,000 (-28.8%) | $1,064,706 (-24.3%) | 0.00 | 852 |
| 2019-09-01 | $629,500 (-32.2%) | $1,051,800 (-26.8%) | 0.00 | 808 |
| 2019-10-01 | $629,000 (-31.2%) | $1,027,188 (-29.6%) | 0.00 | 772 |
| 2019-11-01 | $692,000 (-27.0%) | $1,180,968 (-20.3%) | 0.00 | 718 |
| 2019-12-01 | $678,225 (-30.0%) | $1,134,738 (-26.7%) | 0.00 | 716 |
| 2020-01-01 | $645,000 (-30.0%) | $1,035,997 (-32.9%) | 0.00 | 722 |
| 2020-02-01 | $689,000 (-15.6%) | $1,180,557 (-17.3%) | 0.00 | 619 |
| 2020-03-01 | $675,000 (-21.4%) | $1,154,753 (-18.7%) | 0.00 | 665 |
| 2020-04-01 | $663,750 (3.0%) | $1,104,414 (0.7%) | 0.00 | 696 |
| 2020-05-01 | $649,900 (1.7%) | $1,079,527 (2.4%) | 0.00 | 754 |
| 2020-06-01 | $664,975 (2.5%) | $1,057,983 (0.7%) | 0.00 | 953 |
| 2020-07-01 | $673,750 (3.8%) | $1,072,146 (0.8%) | 0.00 | 1,053 |
| 2020-08-01 | $689,000 (4.6%) | $1,124,630 (5.6%) | 0.00 | 1,018 |
| 2020-09-01 | $682,000 (8.3%) | $1,148,503 (9.2%) | 0.00 | 935 |
| 2020-10-01 | $692,000 (10.0%) | $1,183,486 (15.2%) | 0.00 | 800 |
| 2020-11-01 | $699,975 (1.2%) | $1,236,400 (4.7%) | 0.00 | 623 |
| 2020-12-01 | $700,000 (3.2%) | $1,252,779 (10.4%) | 0.00 | 551 |
| 2021-01-01 | $723,500 (12.2%) | $1,261,539 (21.8%) | 0.00 | 526 |
| 2021-02-01 | $713,250 (3.5%) | $1,189,564 (0.8%) | 0.00 | 563 |
| 2021-03-01 | $739,750 (9.6%) | $1,273,618 (10.3%) | 0.00 | 552 |
| 2021-04-01 | $778,500 (17.3%) | $1,351,939 (22.4%) | 0.00 | 555 |
| 2021-05-01 | $799,000 (22.9%) | $1,337,270 (23.9%) | 0.00 | 587 |
| 2021-06-01 | $831,225 (25.0%) | $1,355,183 (28.1%) | 0.00 | 613 |
| 2021-07-01 | $829,950 (23.2%) | $1,343,272 (25.3%) | 0.00 | 673 |
| 2021-08-01 | $839,000 (21.8%) | $1,456,499 (29.5%) | 0.00 | 697 |
| 2021-09-01 | $885,000 (29.8%) | $1,478,572 (28.7%) | 0.00 | 708 |
| 2021-10-01 | $949,500 (37.2%) | $1,529,305 (29.2%) | 0.00 | 626 |
| 2021-11-01 | $955,125 (36.5%) | $1,615,335 (30.7%) | 0.00 | 513 |
| 2021-12-01 | $1,003,225 (43.3%) | $1,755,254 (40.1%) | 0.00 | 464 |
| 2022-01-01 | $1,068,677 (47.7%) | $1,849,330 (46.6%) | 0.00 | 451 |
| 2022-02-01 | $1,022,500 (43.4%) | $1,768,073 (48.6%) | 0.00 | 500 |
| 2022-03-01 | $1,073,971 (45.2%) | $1,802,142 (41.5%) | 0.00 | 524 |
| 2022-04-01 | $1,125,000 (44.5%) | $1,834,710 (35.7%) | 0.00 | 543 |
| 2022-05-01 | $1,143,000 (43.1%) | $1,845,058 (38.0%) | 0.00 | 612 |
| 2022-06-01 | $1,160,000 (39.6%) | $1,848,654 (36.4%) | 0.00 | 700 |
| 2022-07-01 | $1,180,000 (42.2%) | $1,844,960 (37.4%) | 0.00 | 849 |
| 2022-08-01 | $1,193,750 (42.3%) | $1,891,985 (29.9%) | 0.00 | 875 |
| 2022-09-01 | $1,236,500 (39.7%) | $1,880,760 (27.2%) | 0.00 | 871 |
| 2022-10-01 | $1,250,000 (31.7%) | $1,944,412 (27.1%) | 0.00 | 764 |
| 2022-11-01 | $1,200,038 (25.6%) | $1,937,441 (19.9%) | 0.00 | 683 |
| 2022-12-01 | $1,250,000 (24.6%) | $2,000,892 (14.0%) | 0.00 | 629 |
| 2023-01-01 | $1,300,200 (21.7%) | $2,094,321 (13.3%) | 0.00 | 591 |
| 2023-02-01 | $1,279,600 (25.1%) | $2,017,474 (14.1%) | 0.00 | 576 |
| 2023-03-01 | $1,297,000 (20.8%) | $1,974,457 (9.6%) | 0.00 | 580 |
| 2023-04-01 | $1,275,000 (13.3%) | $1,856,986 (1.2%) | 0.00 | 604 |
Breckenridge's median listing price for 2023-04-01 was $1,275,000, a difference of
$150,000
(13.3%) versus the prior year and
$-22,000 versus the prior month.
Breckenridge's median listing price comes in at 0% of the national average.
Breckenridge's average listing price for 2023-04-01 was $1,856,986, a difference of $22,276 (1.2%) versus the prior year and $-117,471 versus the prior month.
For the 2023-04-01 period, Breckenridge had 604 MLS listings, a difference of 24 listings (4%) versus the prior month and 61 listings (11%) versus the prior year.
Breckenridge's median listing price comes in at 0% of the national average.
Breckenridge's average listing price for 2023-04-01 was $1,856,986, a difference of $22,276 (1.2%) versus the prior year and $-117,471 versus the prior month.
For the 2023-04-01 period, Breckenridge had 604 MLS listings, a difference of 24 listings (4%) versus the prior month and 61 listings (11%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Breckenridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,268 sqft |
| 2018-02-01 | 0 days | 2,115 sqft |
| 2018-03-01 | 0 days | 2,035 sqft |
| 2018-04-01 | 0 days | 1,837 sqft |
| 2018-05-01 | 0 days | 1,821 sqft |
| 2018-06-01 | 0 days | 1,852 sqft |
| 2018-07-01 | 0 days | 1,987 sqft |
| 2018-08-01 | 0 days | 1,988 sqft |
| 2018-09-01 | 0 days | 2,056 sqft |
| 2018-10-01 | 0 days | 2,027 sqft |
| 2018-11-01 | 0 days | 1,959 sqft |
| 2018-12-01 | 0 days | 2,006 sqft |
| 2019-01-01 | 0 days | 1,819 sqft |
| 2019-02-01 | 0 days | 1,590 sqft |
| 2019-03-01 | 0 days | 1,564 sqft |
| 2019-04-01 | 0 days | 1,206 sqft |
| 2019-05-01 | 0 days | 1,200 sqft |
| 2019-06-01 | 0 days | 1,202 sqft |
| 2019-07-01 | 0 days | 1,266 sqft |
| 2019-08-01 | 0 days | 1,330 sqft |
| 2019-09-01 | 0 days | 1,311 sqft |
| 2019-10-01 | 0 days | 1,304 sqft |
| 2019-11-01 | 0 days | 1,426 sqft |
| 2019-12-01 | 0 days | 1,328 sqft |
| 2020-01-01 | 0 days | 1,176 sqft |
| 2020-02-01 | 0 days | 1,228 sqft |
| 2020-03-01 | 0 days | 1,214 sqft |
| 2020-04-01 | 0 days | 1,215 sqft |
| 2020-05-01 | 0 days | 1,220 sqft |
| 2020-06-01 | 0 days | 1,255 sqft |
| 2020-07-01 | 0 days | 1,304 sqft |
| 2020-08-01 | 0 days | 1,335 sqft |
| 2020-09-01 | 0 days | 1,249 sqft |
| 2020-10-01 | 0 days | 1,231 sqft |
| 2020-11-01 | 0 days | 1,246 sqft |
| 2020-12-01 | 0 days | 1,232 sqft |
| 2021-01-01 | 0 days | 1,246 sqft |
| 2021-02-01 | 0 days | 1,246 sqft |
| 2021-03-01 | 0 days | 1,246 sqft |
| 2021-04-01 | 0 days | 1,246 sqft |
| 2021-05-01 | 0 days | 1,246 sqft |
| 2021-06-01 | 0 days | 1,322 sqft |
| 2021-07-01 | 0 days | 1,361 sqft |
| 2021-08-01 | 0 days | 1,378 sqft |
| 2021-09-01 | 0 days | 1,382 sqft |
| 2021-10-01 | 0 days | 1,477 sqft |
| 2021-11-01 | 0 days | 1,581 sqft |
| 2021-12-01 | 0 days | 1,581 sqft |
| 2022-01-01 | 0 days | 1,580 sqft |
| 2022-02-01 | 0 days | 1,395 sqft |
| 2022-03-01 | 0 days | 1,385 sqft |
| 2022-04-01 | 0 days | 1,456 sqft |
| 2022-05-01 | 0 days | 1,478 sqft |
| 2022-06-01 | 0 days | 1,482 sqft |
| 2022-07-01 | 0 days | 1,570 sqft |
| 2022-08-01 | 0 days | 1,613 sqft |
| 2022-09-01 | 0 days | 1,580 sqft |
| 2022-10-01 | 0 days | 1,570 sqft |
| 2022-11-01 | 0 days | 1,536 sqft |
| 2022-12-01 | 0 days | 1,604 sqft |
| 2023-01-01 | 0 days | 1,592 sqft |
| 2023-02-01 | 0 days | 1,524 sqft |
| 2023-03-01 | 0 days | 1,461 sqft |
| 2023-04-01 | 0 days | 1,354 sqft |
Breckenridge's median listing age (time on market) for 2023-04-01 was 0 days.
Breckenridge's median square footage for active listings during the 2023-04-01 period was 1,354 sqft. One year prior, the average listing was 1,456 sqft.
Breckenridge's median square footage for active listings during the 2023-04-01 period was 1,354 sqft. One year prior, the average listing was 1,456 sqft.
Breckenridge, CO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,115 | $930,075,000 | $834,148 |
| Refi | 325 | $177,355,000 | $545,708 |
| Cash Out Refi | 238 | $161,880,000 | $680,168 |
| Home Improvement | 186 | $47,520,000 | $255,484 |
| Other | 177 | $100,775,000 | $569,350 |
Breckenridge's most frequently cited loan purpose was Home Purchase, with 1,115 originations. The 2nd most popular reason was Refi, with 325 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 552 | $426,060,000 | $771,848 |
| 4-5% | 517 | $367,555,000 | $710,938 |
| 5-6% | 400 | $221,440,000 | $553,600 |
| 2.5-3% | 196 | $141,210,000 | $720,459 |
| 6-7% | 186 | $86,170,000 | $463,280 |
| <2.5% | 99 | $129,155,000 | $1,304,596 |
| 7-8% | 62 | $25,700,000 | $414,516 |
| Over 8% | 21 | $12,815,000 | $610,238 |
During 2022, Breckenridge's most frequently originated rate bucket was 3-4%, with 552 originations.
Loan Sizing (Breckenridge, CO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 492 | $237,150,000 | $482,012 |
| $200k-400k | 485 | $145,755,000 | $300,526 |
| $600k-1000k | 470 | $356,680,000 | $758,894 |
| $Over $1MM | 351 | $650,035,000 | $1,851,952 |
| $100k-200k | 159 | $22,855,000 | $143,742 |
| $100,000 or less | 84 | $5,130,000 | $61,071 |
Breckenridge's loan sizing saw the bucket of loans from $400k-600k with 492 originations, totaling $237,150,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 692 | $587,870,000 | $849,523 |
| 20-40% | 382 | $167,310,000 | $437,984 |
| 40-60% | 371 | $292,705,000 | $788,962 |
| 80-100% | 322 | $265,200,000 | $823,602 |
| Under 20% | 257 | $43,705,000 | $170,058 |
| Over 100% | 3 | $50,005,000 | $16,668,333 |
Breckenridge's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 692 originations, totaling $587,870,000 in origination value.