Breckenridge Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Breckenridge averaged
6.65%
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
6.98% and
one month ago for the week of 2025-05-15, the
average rate was 6.65%.
Breckenridge's average rate one year ago was 6.79%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Breckenridge 30 Year Fixed Rate | 2025-06-18 | 6.65% |
| Breckenridge 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Breckenridge 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Breckenridge 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Breckenridge 30 Year FHA | 2025-06-18 | -0.2% |
| Breckenridge 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Breckenridge 30 Year USDA | 2025-06-18 | 0.1% |
| Breckenridge 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Breckenridge 30 Year VA | 2025-06-18 | 0% |
| Breckenridge 30 Year VA Refi | 2025-06-18 | 0% |
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 129 lenders originated 1,240
loans during 2024. The total origination value was $908,280,000, with an average loan value of
$732,484.
Breckenridge's average closing costs are $5,069.
The top Breckenridge lender as defined by loan originations is BOKF, with
154 loans originated. Their average total fees are
$4,463, which is $5,166
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Breckenridge lenders (with over 10 loans originated) are
Alpine Bank ($4,386), BOKF ($4,463), MEGASTAR FINANCIAL CORP. ($4,522), FirstBank ($4,734) and Morgan Stanley Private Bank ($4,926).
The lowest rate Breckenridge lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.95%), FirstBank (6.29%), U.S. Bank (6.42%), BOKF (6.61%) and QUICKEN LOANS, LLC (6.62%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| BOKF | $96,845,000 | $112,505,000 | 16.2% | 12.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $42,595,000 | $80,095,000 | 88.0% | 8.8% |
| FirstBank | $725,000 | $62,200,000 | 8,479.3% | 6.8% |
| MOVEMENT MORTGAGE, LLC | $20,665,000 | $33,760,000 | 63.4% | 3.7% |
| QUICKEN LOANS, LLC | $9,035,000 | $28,360,000 | 213.9% | 3.1% |
| JPMorgan Chase Bank | $41,950,000 | $27,565,000 | -34.3% | 3.0% |
| U.S. Bank | $17,455,000 | $26,825,000 | 53.7% | 3.0% |
| Alpine Bank | $27,795,000 | $26,200,000 | -5.7% | 2.9% |
| Bank of America | $18,950,000 | $25,625,000 | 35.2% | 2.8% |
| Morgan Stanley Private Bank | $14,530,000 | $25,305,000 | 74.2% | 2.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $15,545,000 | $23,215,000 | 49.3% | 2.6% |
| MEGASTAR FINANCIAL CORP. | $13,920,000 | $17,390,000 | 24.9% | 1.9% |
| UBS Bank USA | $9,310,000 | $14,885,000 | 59.9% | 1.6% |
| Charles Schwab Bank, SSB | $12,220,000 | $13,885,000 | 13.6% | 1.5% |
| UMB Bank | $4,970,000 | $13,410,000 | 169.8% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $3,935,000 | $12,945,000 | 229.0% | 1.4% |
| PNC Bank | $5,475,000 | $12,800,000 | 133.8% | 1.4% |
| BMO Harris Bank | $6,590,000 | $12,430,000 | 88.6% | 1.4% |
| NEWREZ LLC | $5,645,000 | $11,885,000 | 110.5% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,875,000 | $10,980,000 | -14.7% | 1.2% |
| Citibank | $11,925,000 | $10,810,000 | -9.4% | 1.2% |
| Zions Bank | $20,830,000 | $8,130,000 | -61.0% | 0.9% |
| Mabrey Bank | $7,580,000 | n/a | 0.8% | |
| GUARANTEED RATE, INC. | $2,220,000 | $7,125,000 | 220.9% | 0.8% |
| Wells Fargo Bank | $24,620,000 | $6,610,000 | -73.2% | 0.7% |
| Ent Credit Union | $5,750,000 | $6,215,000 | 8.1% | 0.7% |
| CMG MORTGAGE, INC. | $10,205,000 | $6,200,000 | -39.2% | 0.7% |
| PLANET HOME LENDING, LLC | $6,110,000 | $6,120,000 | 0.2% | 0.7% |
| First-Citizens Bank & Trust Company | $765,000 | $5,540,000 | 624.2% | 0.6% |
| Stifel Bank and Trust | $8,775,000 | $5,425,000 | -38.2% | 0.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,660,000 | $5,360,000 | 101.5% | 0.6% |
| WESTERRA CREDIT UNION | $1,535,000 | $5,170,000 | 236.8% | 0.6% |
| Commerce Bank | $5,155,000 | $5,070,000 | -1.6% | 0.6% |
| BROKER SOLUTIONS, INC. | $1,560,000 | $5,060,000 | 224.4% | 0.6% |
| Elevations Credit Union | $7,740,000 | $5,020,000 | -35.1% | 0.6% |
| CIBC Bank USA | $5,005,000 | n/a | 0.6% | |
| Academy Bank | $4,810,000 | n/a | 0.5% | |
| The Huntington National Bank | $5,665,000 | $4,575,000 | -19.2% | 0.5% |
| Raymond James Bank | $1,890,000 | $4,365,000 | 131.0% | 0.5% |
| NMSI, INC. | $2,100,000 | $4,300,000 | 104.8% | 0.5% |
| Prosperity Home Mortgage, LLC | $4,205,000 | n/a | 0.5% | |
| NBC Oklahoma | $3,985,000 | n/a | 0.4% | |
| Northpointe Bank | $1,385,000 | $3,960,000 | 185.9% | 0.4% |
| GUILD MORTGAGE COMPANY | $5,800,000 | $3,925,000 | -32.3% | 0.4% |
| NEXERA HOLDING LLC | $3,785,000 | n/a | 0.4% | |
| CANVAS CREDIT UNION | $2,365,000 | $3,645,000 | 54.1% | 0.4% |
| HOMEXPRESS MORTGAGE CORP. | $2,045,000 | $3,570,000 | 74.6% | 0.4% |
| The Loan Store, Inc. | $1,015,000 | $3,465,000 | 241.4% | 0.4% |
| Flagstar Bank, FSB | $6,475,000 | $3,330,000 | -48.6% | 0.4% |
| JMAC LENDING, INC. | $2,160,000 | $3,315,000 | 53.5% | 0.4% |
| USAA Federal Savings Bank | $3,315,000 | n/a | 0.4% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,835,000 | $3,265,000 | 77.9% | 0.4% |
| RF Renovo Management Company, LLC | $3,165,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL NETWORK, INC. | $475,000 | $3,005,000 | 532.6% | 0.3% |
| ANB Bank | $505,000 | $3,005,000 | 495.0% | 0.3% |
| Cornerstone Bank | $505,000 | $3,005,000 | 495.0% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $1,615,000 | $2,920,000 | 80.8% | 0.3% |
| Bank of England | $7,495,000 | $2,915,000 | -61.1% | 0.3% |
| FUNDLOANS CAPITAL | $355,000 | $2,895,000 | 715.5% | 0.3% |
| FINANCE OF AMERICA REVERSE LLC | $2,475,000 | $2,865,000 | 15.8% | 0.3% |
| Commerce Home Mortgage, Inc. | $4,050,000 | $2,830,000 | -30.1% | 0.3% |
| KeyBank | $16,700,000 | $2,760,000 | -83.5% | 0.3% |
| Northbrook Bank & Trust | $2,705,000 | n/a | 0.3% | |
| Union Bank and Trust Company | $1,340,000 | $2,705,000 | 101.9% | 0.3% |
| Watermark Capital, Inc. | $2,575,000 | n/a | 0.3% | |
| The Northern Trust Company | $2,505,000 | n/a | 0.3% | |
| Gateway First Bank | $2,325,000 | n/a | 0.3% | |
| CASTLE & COOKE MORTGAGE, LLC | $955,000 | $2,315,000 | 142.4% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $1,335,000 | $2,280,000 | 70.8% | 0.3% |
| AMERICAN FINANCING CORPORATION | $455,000 | $2,220,000 | 387.9% | 0.2% |
| Plains Commerce Bank | $900,000 | $2,215,000 | 146.1% | 0.2% |
| City National Bank | $1,510,000 | $2,210,000 | 46.4% | 0.2% |
| Herring Bank | $2,205,000 | n/a | 0.2% | |
| LENDSURE MORTGAGE CORP. | $1,310,000 | $2,120,000 | 61.8% | 0.2% |
| Mid America Bank | $2,105,000 | n/a | 0.2% | |
| Hometown Equity Mortgage, LLC | $845,000 | $1,940,000 | 129.6% | 0.2% |
| SECURITY SERVICE | $715,000 | $1,935,000 | 170.6% | 0.2% |
| Blue Federal Credit Union | $4,080,000 | $1,885,000 | -53.8% | 0.2% |
| Sunflower Bank | $1,410,000 | $1,865,000 | 32.3% | 0.2% |
| NFM, INC. | $1,610,000 | $1,850,000 | 14.9% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $1,880,000 | $1,835,000 | -2.4% | 0.2% |
| NBKC BANK | $575,000 | $1,770,000 | 207.8% | 0.2% |
| Independent Bank | $1,735,000 | n/a | 0.2% | |
| ALLIED MORTGAGE GROUP, INC. | $1,295,000 | $1,725,000 | 33.2% | 0.2% |
| NBH Bank | $1,245,000 | $1,705,000 | 36.9% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,680,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $2,345,000 | $1,650,000 | -29.6% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $1,600,000 | n/a | 0.2% | |
| NAVY FEDERAL CREDIT UNION | $1,975,000 | $1,580,000 | -20.0% | 0.2% |
| First Western Trust Bank | $2,755,000 | $1,530,000 | -44.5% | 0.2% |
| GROUP MORTGAGE, LLC | $1,505,000 | n/a | 0.2% | |
| Intrust Bank | $1,505,000 | n/a | 0.2% | |
| LOANDEPOT.COM, LLC | $1,185,000 | $1,500,000 | 26.6% | 0.2% |
| S1L, Inc. | $875,000 | $1,500,000 | 71.4% | 0.2% |
| Ixonia Bank | $1,495,000 | n/a | 0.2% | |
| V.I.P. MORTGAGE, INC. | $2,400,000 | $1,485,000 | -38.1% | 0.2% |
| Waterstone Mortgage Corporation | $1,240,000 | $1,450,000 | 16.9% | 0.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,445,000 | n/a | 0.2% | |
| Logan Finance Corporation | $1,385,000 | n/a | 0.2% | |
| First National Bank of America | $455,000 | $1,340,000 | 194.5% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $940,000 | $1,330,000 | 41.5% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,190,000 | n/a | 0.1% | |
| AIR ACADEMY | $710,000 | $1,140,000 | 60.6% | 0.1% |
| The Central Trust Bank | $655,000 | $1,140,000 | 74.0% | 0.1% |
| LADERA LENDING, INC. | $1,075,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $375,000 | $1,065,000 | 184.0% | 0.1% |
| Municipal Trust and Savings Bank | $1,025,000 | n/a | 0.1% | |
| NexBank | $3,175,000 | $1,015,000 | -68.0% | 0.1% |
| Financial Funding Solutions, Inc. | $995,000 | n/a | 0.1% | |
| ALAMEDA MORTGAGE CORPORATION | $985,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $2,850,000 | $955,000 | -66.5% | 0.1% |
| Fifth Third Bank | $950,000 | n/a | 0.1% | |
| Figure Lending LLC | $445,000 | $950,000 | 113.5% | 0.1% |
| Wilmington Savings Fund Society, FSB | $885,000 | n/a | 0.1% | |
| Credit Union of Denver | $220,000 | $880,000 | 300.0% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $365,000 | $860,000 | 135.6% | 0.1% |
| SWBC MORTGAGE CORPORATION | $1,145,000 | $805,000 | -29.7% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $785,000 | n/a | 0.1% | |
| Sooper Credit Union | $725,000 | $785,000 | 8.3% | 0.1% |
| Farm Credit Mid-America, ACA | $775,000 | n/a | 0.1% | |
| Ally Bank | $385,000 | $765,000 | 98.7% | 0.1% |
| First Reliance Bank | $765,000 | n/a | 0.1% | |
| Truist | $1,505,000 | $765,000 | -49.2% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $755,000 | n/a | 0.1% | |
| Citizens National Bank, N.A. | $3,955,000 | $755,000 | -80.9% | 0.1% |
| Citadel Servicing Corporation | $750,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $735,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $2,005,000 | $705,000 | -64.8% | 0.1% |
| Bank of Colorado | $2,405,000 | $700,000 | -70.9% | 0.1% |
| Republic Bank & Trust Company | $685,000 | n/a | 0.1% | |
| BELLCO | $1,720,000 | $665,000 | -61.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $645,000 | n/a | 0.1% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $645,000 | n/a | 0.1% | |
| Lake Forest Bank & Trust | $605,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $555,000 | n/a | 0.1% | |
| Popular Bank | $555,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $555,000 | $525,000 | -5.4% | 0.1% |
| DELMAR FINANCIAL COMPANY | $945,000 | $505,000 | -46.6% | 0.1% |
| Pinnacle Bank | $505,000 | n/a | 0.1% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $505,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $485,000 | n/a | 0.1% | |
| ONY GLO, INC. | $555,000 | $485,000 | -12.6% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $2,260,000 | $475,000 | -79.0% | 0.1% |
| Baxter Credit Union | $725,000 | $470,000 | -35.2% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $470,000 | n/a | 0.1% | |
| LAFAYETTE FEDERAL CREDIT UNION | $455,000 | n/a | 0.1% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $3,480,000 | $435,000 | -87.5% | 0.0% |
| Southern First Bank | $405,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $395,000 | n/a | 0.0% | |
| Pioneer Bank | $385,000 | n/a | 0.0% | |
| Coastal Community Bank | $360,000 | n/a | 0.0% | |
| CHEVRON | $355,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $335,000 | n/a | 0.0% | |
| High Plains Bank | $335,000 | n/a | 0.0% | |
| Simmons Bank | $335,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $475,000 | $330,000 | -30.5% | 0.0% |
| GENEVA FINANCIAL, LLC | $975,000 | $325,000 | -66.7% | 0.0% |
| Nations Lending Corporation | $645,000 | $315,000 | -51.2% | 0.0% |
| Discover Bank | $305,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $970,000 | $295,000 | -69.6% | 0.0% |
| CANOPY MORTGAGE, LLC | $285,000 | n/a | 0.0% | |
| InterBank | $275,000 | n/a | 0.0% | |
| First Savings Bank | $265,000 | n/a | 0.0% | |
| Oakstar Bank | $255,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $255,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $1,540,000 | $235,000 | -84.7% | 0.0% |
| TOWNE MORTGAGE COMPANY | $395,000 | $215,000 | -45.6% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $375,000 | $205,000 | -45.3% | 0.0% |
| JET HOMELOANS, LLC | $205,000 | n/a | 0.0% | |
| Summit Mortgage Corporation | $205,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $170,000 | n/a | 0.0% | |
| ARC HOME LLC | $155,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $480,000 | $145,000 | -69.8% | 0.0% |
| American Airlines Federal Credit Union | $255,000 | $105,000 | -58.8% | 0.0% |
| CREDIT UNION OF THE ROCKIES | $110,000 | $105,000 | -4.5% | 0.0% |
| FIDELIS CATHOLIC | $55,000 | $105,000 | 90.9% | 0.0% |
| M2 Lending Solutions, LLC | $485,000 | $105,000 | -78.4% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $65,000 | n/a | 0.0% | |
| AMERICAN HERITAGE FCU | $55,000 | n/a | 0.0% | |
| Mr. Cooper ( Nationstar Mortgage ) | $45,000 | n/a | 0.0% |
Breckenridge's top lender by overall market share is BOKF, with 12.4% market share. In second place, with 8.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $80,095,000 in loans. In third place, with 6.8%, is FirstBank, having originated $62,200,000 in loans. In fourth place, with 3.7%, is MOVEMENT MORTGAGE, LLC, having originated $33,760,000 in loans. In fifth place, with 3.1%, is QUICKEN LOANS, LLC, having originated $28,360,000 in loans.
Breckenridge, CO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 816 | $670,450,000 | $821,630 |
| Refi | 154 | $111,880,000 | $726,494 |
| Home Improvement | 95 | $23,195,000 | $244,158 |
| Other | 88 | $44,240,000 | $502,727 |
| Cash Out Refi | 86 | $56,140,000 | $652,791 |
| NA | 1 | $2,375,000 | $2,375,000 |
Breckenridge's most frequently cited loan purpose was Home Purchase, with 816 originations. The 2nd most popular reason was Refi, with 154 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 546 | $443,920,000 | $813,040 |
| 7-8% | 278 | $174,210,000 | $626,655 |
| Over 8% | 225 | $87,525,000 | $389,000 |
| 5-6% | 165 | $171,485,000 | $1,039,303 |
| 4-5% | 12 | $12,050,000 | $1,004,167 |
| 2.5-3% | 2 | $1,610,000 | $805,000 |
| 3-4% | 2 | $370,000 | $185,000 |
During 2024, Breckenridge's most frequently originated rate bucket was 6-7%, with 546 originations.
Loan Sizing (Breckenridge, CO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 296 | $144,550,000 | $488,345 |
| $600k-1000k | 292 | $222,110,000 | $760,651 |
| $200k-400k | 253 | $75,445,000 | $298,202 |
| $Over $1MM | 251 | $450,925,000 | $1,796,514 |
| $100k-200k | 80 | $11,110,000 | $138,875 |
| $100,000 or less | 68 | $4,140,000 | $60,882 |
Breckenridge's loan sizing saw the bucket of loans from $400k-600k with 296 originations, totaling $144,550,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 474 | $443,720,000 | $936,118 |
| 40-60% | 206 | $167,220,000 | $811,748 |
| 80-100% | 204 | $160,790,000 | $788,186 |
| Under 20% | 176 | $30,390,000 | $172,670 |
| 20-40% | 160 | $81,050,000 | $506,563 |
| Over 100% | 5 | $6,225,000 | $1,245,000 |
Breckenridge's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 474 originations, totaling $443,720,000 in origination value.