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 6.94% for the week of 2024-05-23, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-05-16) was 7.22% and one month ago for the week of 2024-04-18, the average rate was 7.1%.

Breckenridge's average rate one year ago was 6.49%.

For refis of the same type during the week of 2024-05-23, the average rate was 6.94%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-23 6.94%
Breckenridge 30 Year Fixed Rate 2024-05-23 6.94%
Breckenridge 30 Year Fixed Rate Refi 2024-05-23 6.94%
Breckenridge 15 Year Fixed Rate 2024-05-23 6.34%
Breckenridge 15 Year Fixed Rate Refi 2024-05-23 6.44%
Breckenridge 30 Year FHA 2024-05-23 6.85%
Breckenridge 30 Year FHA Refi 2024-05-23 6.75%
Breckenridge 30 Year USDA 2024-05-23 6.54%
Breckenridge 30 Year USDA Refi 2024-05-23 6.54%
Breckenridge 30 Year VA 2024-05-23 6.37%
Breckenridge 30 Year VA Refi 2024-05-23 6.37%
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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
BOKF 135 6.71% $4,158
UNITED WHOLESALE MORTGAGE, LLC 54 6.86% $11,062
FirstBank 32 6.82% $4,557
MOVEMENT MORTGAGE, LLC 27 7.34% $12,661
CROSSCOUNTRY MORTGAGE, LLC 25 7.10% $8,325
MEGASTAR FINANCIAL CORP. 24 7.08% $4,676
JPMorgan Chase Bank 23 6.59% $10,080
Wells Fargo Bank 22 5.61% $5,098
KeyBank 17 6.07% $4,051
U.S. Bank 15 6.36% $6,700
QUICKEN LOANS, LLC 14 6.93% $9,378
Morgan Stanley Private Bank 14 5.78% $3,295
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 7.06% $8,737
Bank of America 11 6.07% $6,225
CMG MORTGAGE, INC. 11 6.84% $10,402
Charles Schwab Bank, SSB 10 5.49% $2,850
Bank of England 10 7.06% $6,033
PLANET HOME LENDING, LLC 8 7.08% $10,358
NEWREZ LLC 8 6.73% $11,004
Alpine Bank 8 7.17% $10,181
Flagstar Bank, FSB 7 6.43% $12,929
Elevations Credit Union 7 6.59% $4,191
Citibank 6 5.54% $5,083
Ent Credit Union 6 5.81% $8,238
UBS Bank USA 6 6.06% $4,971
BMO Harris Bank 5 5.90% $7,966
BAY EQUITY LLC 5 6.92% $9,887
PROVIDENT FUNDING ASSOCIATES, L.P. 5 6.65% $5,662
Blue Federal Credit Union 5 6.67% $5,132
PENNYMAC LOAN SERVICES, LLC 5 7.02% $7,565
GUARANTEED RATE, INC. 4 7.36% $6,074
GUILD MORTGAGE COMPANY 4 7.25% $4,382
The Huntington National Bank 4 6.28% $7,218
Commerce Bank 4 6.47% $3,400
NOVA FINANCIAL & INVESTMENT CORPORATION 4 6.97% $5,298
Stifel Bank and Trust 4 6.22% $3,814
V.I.P. MORTGAGE, INC. 4 6.97% $10,817
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.50% $13,854
LOANDEPOT.COM, LLC 3 6.25% $9,568
NBH Bank 3 6.83% $5,782
NexBank 3 7.08% $18,395
American Mortgage & Equity Consultants, Inc. 3 6.75% $7,771
AMERICAN PACIFIC MORTGAGE CORPORATION 3 7.17% $7,820
S1L, Inc. 3 7.46% $7,064
SWBC MORTGAGE CORPORATION 3 7.38% $7,669
The Loan Store, Inc. 3 6.63% $5,782
First Western Trust Bank 3 6.79% $1,573
GENEVA FINANCIAL, LLC 3 7.58% $7,650
ALLIED MORTGAGE GROUP, INC. 2 7.63% $4,519
THE MORTGAGE COMPANY 2 7.31% $7,289
HOMEXPRESS MORTGAGE CORP. 2 8.25% $15,477
PNC Bank 2 6.56% $5,884
City National Bank 2 5.85% $3,442
INTERCAP LENDING INC. 2 6.44% $5,765
Goldman Sachs Bank USA 2 5.45% $4,220
Bank of Colorado 2 6.63% $8,855
Plains Commerce Bank 2 6.25% $6,342
Paramount Residential Mortgage Group, Inc. 2 7.25% $6,866
NMSI, INC. 2 8.06% $15,983
NFM, INC. 2 7.63% $9,476
UNIVERSAL LENDING CORPORATION 2 7.00% $8,460
NAVY FEDERAL CREDIT UNION 2 4.81% $3,871
MUTUAL OF OMAHA MORTGAGE, INC. 2 7.06% $5,524
Waterstone Mortgage Corporation 2 6.13% $5,930
BROKER SOLUTIONS, INC. 2 7.13% $27,525
SECURITYNATIONAL MORTGAGE COMPANY 2 7.63% $13,363
WESTERRA CREDIT UNION 2 6.75% $3,103
T2 FINANCIAL LLC 2 6.31% $32,502
Raymond James Bank 2 5.69% $4,166
Zions Bank 1 6.63% $4,403
A&D Mortgage LLC 1 7.75% $1,090
ALLIANT CREDIT UNION 1 6.38% $3,505
Ally Bank 1 5.50% $15,247
AMERICAN FINANCIAL NETWORK, INC. 1 10.13% $6,492
AMERICAN FINANCING CORPORATION 1 6.99% $18,047
AMERICAN HERITAGE LENDING, INC. 1 8.25% $9,455
ANB Bank 1 6.75% $1,734
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.63% $6,024
BancorpSouth 1 5.50% $5,681
Bank of the West 1 6.38% $5,429
Baxter Credit Union 1 7.13% $3,129
BM Real Estate Services, Inc. 1 7.38% $23,207
CANVAS CREDIT UNION 1 7.13% $3,095
CapStar Bank 1 7.50% $6,092
CARDINAL FINANCIAL 1 6.99% $9,131
CASTLE & COOKE MORTGAGE, LLC 1 6.99% $39,605
Century Mortgage Company DBA Century Lending Company 1 7.13% $8,798
CHERRY CREEK MORTGAGE, LLC 1 7.63% $952
Citizens Bank 1 4.88% $19,075
Commerce Home Mortgage, Inc. 1 9.13% $27,143
COMMUNITYAMERICA 1 7.63% $3,671
CORNERSTONE HOME LENDING, INC. 1 7.50% $3,851
DEEPHAVEN MORTGAGE LLC 1 7.75% $8,463
DELMAR FINANCIAL COMPANY 1 7.63% $4,258
DRAPER AND KRAMER MORTGAGE CORP. 1 6.13% $3,865
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.75% $35,122
Farmers Bank & Trust 1 6.88% $3,674
FirstBank 1 6.50% $12,088
First-Citizens Bank & Trust Company 1 6.03% $3,878
First Federal Bank of Kansas City 1 7.63% $4,159
First Horizon Bank 1 4.88% $4,685
First National Bank of America 1 9.75% $13,967
First National Bank of Omaha 1 6.88% $3,326
First Republic Bank 1 4.85% $6,452
FLAT BRANCH MORTGAGE, INC. 1 7.38% $5,040
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 8.13% $8,257
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.88% $27,537
JMAC LENDING, INC. 1 9.25% $13,642
Keystone Funding, Inc. 1 7.25% $24,270
LENDSURE MORTGAGE CORP. 1 8.25% $11,321
M2 Lending Solutions, LLC 1 7.88% $3,257
MICHIGAN MUTUAL, INC. 1 5.99% $8,706
MidWestOne Bank 1 5.75% $23,717
Mortgage Bank of California 1 8.50% $27,025
Mortgage Research Center, LLC 1 6.99% $4,690
NATIONS DIRECT MORTGAGE, LLC 1 6.63% $12,583
Nations Lending Corporation 1 7.50% $3,825
NBKC BANK 1 7.63% $2,099
NP, Inc. 1 8.75% $4,133
ONY GLO, INC. 1 7.00% $9,600
Paramount Bank 1 6.63% $3,188
PLAZA HOME MORTGAGE, INC. 1 8.13% $18,596
PREMIER MEMBERS CREDIT UNION 1 6.38% $9,242
Prosperity Bank 1 6.13% $2,896
Regions Bank 1 5.50% $3,257
RESIDENTIAL MORTGAGE, LLC 1 5.63% $12,593
Sunflower Bank 1 5.75% $3,440
THRIVE MORTGAGE, LLC 1 7.00% $3,821
TOWNE MORTGAGE COMPANY 1 6.25% $7,480
Toyota Financial Savings Bank 1 7.00% $3,308
Tradition Mortgage, LLC 1 5.88% $5,848
Truist 1 6.25% $24,111
UMB Bank 1 5.02% $5,785
Union Bank and Trust Company 1 6.63% $4,782
UNION HOME MORTGAGE CORP. 1 6.75% $7,960
Adams Bank & Trust 1 8.63% $3,699

Breckenridge Average Closing Costs & Other Stats

Breckenridge, CO's 136 lenders originated 1,174 loans during 2023. The total origination value was $774,930,000, with an average loan value of $660,077.

Breckenridge's average closing costs are $4,908.

The top Breckenridge lender as defined by loan originations is BOKF, with 135 loans originated. Their average total fees are $4,158, which is $6,904 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Breckenridge lenders (with over 10 loans originated) are Charles Schwab Bank, SSB ($2,850), Morgan Stanley Private Bank ($3,295), KeyBank ($4,051), BOKF ($4,158) and FirstBank ($4,557).

The lowest rate Breckenridge lenders (with over 10 loans originated) are Charles Schwab Bank, SSB (5.49%), Wells Fargo Bank (5.61%), Morgan Stanley Private Bank (5.78%), Bank of America (6.07%) and KeyBank (6.07%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
BOKF $68,150,000 $96,845,000 42.1% 12.5%
UNITED WHOLESALE MORTGAGE, LLC $49,205,000 $42,595,000 -13.4% 5.5%
JPMorgan Chase Bank $53,670,000 $41,950,000 -21.8% 5.4%
FirstBank $162,800,000 $39,400,000 -75.8% 5.1%
Alpine Bank $78,830,000 $27,795,000 -64.7% 3.6%
Wells Fargo Bank $47,240,000 $24,620,000 -47.9% 3.2%
Zions Bank $19,610,000 $20,830,000 6.2% 2.7%
MOVEMENT MORTGAGE, LLC $13,340,000 $20,665,000 54.9% 2.7%
Bank of America $29,075,000 $18,950,000 -34.8% 2.4%
U.S. Bank $66,470,000 $17,455,000 -73.7% 2.3%
KeyBank $77,420,000 $16,700,000 -78.4% 2.2%
CROSSCOUNTRY MORTGAGE, LLC $30,150,000 $15,545,000 -48.4% 2.0%
Morgan Stanley Private Bank $55,175,000 $14,530,000 -73.7% 1.9%
MEGASTAR FINANCIAL CORP. $24,840,000 $13,920,000 -44.0% 1.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,880,000 $12,875,000 -28.0% 1.7%
Charles Schwab Bank, SSB $18,035,000 $12,220,000 -32.2% 1.6%
Citibank $11,880,000 $11,925,000 0.4% 1.5%
CMG MORTGAGE, INC. $20,545,000 $10,205,000 -50.3% 1.3%
UBS Bank USA $18,660,000 $9,310,000 -50.1% 1.2%
QUICKEN LOANS, LLC $22,985,000 $9,035,000 -60.7% 1.2%
Stifel Bank and Trust $8,255,000 $8,775,000 6.3% 1.1%
Elevations Credit Union $11,220,000 $7,740,000 -31.0% 1.0%
Bank of England $8,515,000 $7,495,000 -12.0% 1.0%
BMO Harris Bank $955,000 $6,590,000 590.1% 0.9%
Flagstar Bank, FSB $10,420,000 $6,475,000 -37.9% 0.8%
PLANET HOME LENDING, LLC $1,130,000 $6,110,000 440.7% 0.8%
GUILD MORTGAGE COMPANY $620,000 $5,800,000 835.5% 0.7%
Ent Credit Union $13,170,000 $5,750,000 -56.3% 0.7%
The Huntington National Bank $6,355,000 $5,665,000 -10.9% 0.7%
NEWREZ LLC $2,090,000 $5,645,000 170.1% 0.7%
First Bankers Trust Company $5,585,000 n/a 0.7%
PNC Bank $17,995,000 $5,475,000 -69.6% 0.7%
Commerce Bank $2,530,000 $5,155,000 103.8% 0.7%
UMB Bank $12,770,000 $4,970,000 -61.1% 0.6%
Union Savings Bank $4,295,000 n/a 0.6%
Blue Federal Credit Union $985,000 $4,080,000 314.2% 0.5%
Commerce Home Mortgage, Inc. $1,080,000 $4,050,000 275.0% 0.5%
Citizens National Bank, N.A. $3,955,000 n/a 0.5%
PENNYMAC LOAN SERVICES, LLC $5,895,000 $3,935,000 -33.2% 0.5%
NOVA FINANCIAL & INVESTMENT CORPORATION $940,000 $3,480,000 270.2% 0.4%
BAY EQUITY LLC $3,295,000 n/a 0.4%
Goldman Sachs Bank USA $4,410,000 $3,205,000 -27.3% 0.4%
NexBank $1,385,000 $3,175,000 129.2% 0.4%
Axos Bank $3,005,000 n/a 0.4%
CORNERSTONE HOME LENDING, INC. $15,785,000 $2,850,000 -81.9% 0.4%
T2 FINANCIAL LLC $970,000 $2,790,000 187.6% 0.4%
First Western Trust Bank $6,665,000 $2,755,000 -58.7% 0.4%
Bank of the West $11,655,000 $2,670,000 -77.1% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $4,890,000 $2,660,000 -45.6% 0.3%
F & M Community Bank $2,635,000 n/a 0.3%
FINANCE OF AMERICA REVERSE LLC $2,065,000 $2,475,000 19.9% 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $825,000 $2,465,000 198.8% 0.3%
MidWestOne Bank $7,080,000 $2,410,000 -66.0% 0.3%
Bank of Colorado $15,285,000 $2,405,000 -84.3% 0.3%
V.I.P. MORTGAGE, INC. $3,030,000 $2,400,000 -20.8% 0.3%
CANVAS CREDIT UNION $1,620,000 $2,365,000 46.0% 0.3%
ALLIANT CREDIT UNION $125,000 $2,345,000 1,776.0% 0.3%
American Mortgage & Equity Consultants, Inc. $1,455,000 $2,260,000 55.3% 0.3%
GUARANTEED RATE, INC. $6,525,000 $2,220,000 -66.0% 0.3%
BancorpSouth $2,435,000 $2,175,000 -10.7% 0.3%
1ST MIDAMERICA $2,165,000 n/a 0.3%
JMAC LENDING, INC. $365,000 $2,160,000 491.8% 0.3%
Texas Bank and Trust Company $3,000,000 $2,125,000 -29.2% 0.3%
NMSI, INC. $2,100,000 n/a 0.3%
HOMEXPRESS MORTGAGE CORP. $595,000 $2,045,000 243.7% 0.3%
PLAZA HOME MORTGAGE, INC. $2,005,000 n/a 0.3%
NAVY FEDERAL CREDIT UNION $905,000 $1,975,000 118.2% 0.3%
UNIVERSAL LENDING CORPORATION $1,975,000 n/a 0.3%
Raymond James Bank $12,525,000 $1,890,000 -84.9% 0.2%
Century Mortgage Company DBA Century Lending Company $1,880,000 n/a 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $620,000 $1,835,000 196.0% 0.2%
Mortgage Research Center, LLC $535,000 $1,815,000 239.3% 0.2%
FLAT BRANCH MORTGAGE, INC. $1,785,000 n/a 0.2%
First Republic Bank $20,110,000 $1,755,000 -91.3% 0.2%
BELLCO $1,095,000 $1,720,000 57.1% 0.2%
First United Bank $1,715,000 n/a 0.2%
DEEPHAVEN MORTGAGE LLC $1,690,000 $1,615,000 -4.4% 0.2%
NFM, INC. $1,200,000 $1,610,000 34.2% 0.2%
BROKER SOLUTIONS, INC. $7,315,000 $1,560,000 -78.7% 0.2%
Keystone Funding, Inc. $1,540,000 n/a 0.2%
WESTERRA CREDIT UNION $865,000 $1,535,000 77.5% 0.2%
Security First Bank $1,515,000 n/a 0.2%
City National Bank $2,470,000 $1,510,000 -38.9% 0.2%
First Horizon Bank $1,840,000 $1,505,000 -18.2% 0.2%
Truist $5,150,000 $1,505,000 -70.8% 0.2%
EUSTIS AND AMERICAN MORTGAGE COMPANY $1,495,000 n/a 0.2%
Sunflower Bank $425,000 $1,410,000 231.8% 0.2%
Northpointe Bank $3,225,000 $1,385,000 -57.1% 0.2%
A&D Mortgage LLC $1,360,000 n/a 0.2%
Union Bank and Trust Company $1,340,000 n/a 0.2%
Paramount Residential Mortgage Group, Inc. $1,590,000 $1,335,000 -16.0% 0.2%
LENDSURE MORTGAGE CORP. $1,290,000 $1,310,000 1.6% 0.2%
Midwest Heritage Bank FSB $1,305,000 n/a 0.2%
NP, Inc. $1,305,000 n/a 0.2%
ALLIED MORTGAGE GROUP, INC. $1,295,000 n/a 0.2%
NBH Bank $1,945,000 $1,245,000 -36.0% 0.2%
THE MORTGAGE COMPANY $1,240,000 n/a 0.2%
Waterstone Mortgage Corporation $1,070,000 $1,240,000 15.9% 0.2%
INTERCAP LENDING INC. $1,230,000 n/a 0.2%
LOANDEPOT.COM, LLC $6,775,000 $1,185,000 -82.5% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $2,530,000 $1,145,000 -54.7% 0.1%
SWBC MORTGAGE CORPORATION $1,145,000 n/a 0.1%
Midwest Regional Bank $1,105,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $1,075,000 n/a 0.1%
First National Bank of Central Texas $1,025,000 n/a 0.1%
The Loan Store, Inc. $1,015,000 n/a 0.1%
GENEVA FINANCIAL, LLC $975,000 n/a 0.1%
AMERICAN HERITAGE LENDING, INC. $970,000 n/a 0.1%
CASTLE & COOKE MORTGAGE, LLC $825,000 $955,000 15.8% 0.1%
Citizens Bank $1,575,000 $955,000 -39.4% 0.1%
COLORADO CREDIT UNION $1,135,000 $950,000 -16.3% 0.1%
DELMAR FINANCIAL COMPANY $945,000 n/a 0.1%
Mortgage Bank of California $675,000 $945,000 40.0% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $820,000 $940,000 14.6% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $1,450,000 $930,000 -35.9% 0.1%
RESIDENTIAL MORTGAGE, LLC $925,000 n/a 0.1%
Plains Commerce Bank $2,575,000 $900,000 -65.0% 0.1%
S1L, Inc. $5,360,000 $875,000 -83.7% 0.1%
Hometown Equity Mortgage, LLC $845,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $475,000 $830,000 74.7% 0.1%
First FarmBank $805,000 n/a 0.1%
First National Bank of Omaha $1,160,000 $795,000 -31.5% 0.1%
BM Real Estate Services, Inc. $775,000 n/a 0.1%
OCMBC, INC. $610,000 $775,000 27.0% 0.1%
First-Citizens Bank & Trust Company $4,205,000 $765,000 -81.8% 0.1%
Baxter Credit Union $725,000 n/a 0.1%
FirstBank $162,800,000 $725,000 -99.6% 0.1%
Sooper Credit Union $3,845,000 $725,000 -81.1% 0.1%
Valley National Bank $725,000 n/a 0.1%
Adams Bank & Trust $2,060,000 $715,000 -65.3% 0.1%
SECURITY SERVICE $1,165,000 $715,000 -38.6% 0.1%
AIR ACADEMY $710,000 n/a 0.1%
First National Bank $2,865,000 $685,000 -76.1% 0.1%
Platinum Bank $675,000 n/a 0.1%
Wintrust Bank, N.A. $675,000 n/a 0.1%
Flatirons Bank $655,000 n/a 0.1%
The Central Trust Bank $655,000 n/a 0.1%
Nations Lending Corporation $505,000 $645,000 27.7% 0.1%
North Dallas Bank & Trust Co. $645,000 n/a 0.1%
Cornerstone National Bank & Trust Company $635,000 n/a 0.1%
PREMIER MEMBERS CREDIT UNION $4,365,000 $615,000 -85.9% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $780,000 $595,000 -23.7% 0.1%
Paramount Bank $1,385,000 $595,000 -57.0% 0.1%
NBKC BANK $325,000 $575,000 76.9% 0.1%
Carrollton Bank $375,000 $565,000 50.7% 0.1%
MICHIGAN MUTUAL, INC. $565,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $565,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $3,460,000 $555,000 -84.0% 0.1%
ONY GLO, INC. $595,000 $555,000 -6.7% 0.1%
First Federal Bank of Kansas City $545,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $525,000 $525,000 0.0% 0.1%
City State Bank $2,875,000 $525,000 -81.7% 0.1%
ANB Bank $1,290,000 $505,000 -60.9% 0.1%
Cornerstone Bank $505,000 n/a 0.1%
First Merchants Bank $595,000 $505,000 -15.1% 0.1%
Greenbox Loans, Inc. $1,135,000 $505,000 -55.5% 0.1%
WaterStone Bank, SSB $505,000 n/a 0.1%
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION $965,000 $495,000 -48.7% 0.1%
Regions Bank $3,500,000 $495,000 -85.9% 0.1%
CHERRY CREEK MORTGAGE, LLC $10,065,000 $485,000 -95.2% 0.1%
M2 Lending Solutions, LLC $1,015,000 $485,000 -52.2% 0.1%
TRIAD FINANCIAL SERVICES, INC. $460,000 $480,000 4.3% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $475,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $410,000 $475,000 15.9% 0.1%
AMERICAN FINANCING CORPORATION $3,305,000 $455,000 -86.2% 0.1%
First National Bank of America $455,000 n/a 0.1%
Figure Lending LLC $475,000 $445,000 -6.3% 0.1%
Mazuma Credit Union $425,000 n/a 0.1%
Tradition Mortgage, LLC $405,000 n/a 0.1%
TOWNE MORTGAGE COMPANY $395,000 n/a 0.1%
Ally Bank $1,975,000 $385,000 -80.5% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $375,000 n/a 0.0%
UNION HOME MORTGAGE CORP. $375,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $305,000 $365,000 19.7% 0.0%
CITIZENS EQUITY FIRST $365,000 n/a 0.0%
Toyota Financial Savings Bank $365,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $770,000 $360,000 -53.2% 0.0%
FUNDLOANS CAPITAL $355,000 n/a 0.0%
CapStar Bank $335,000 n/a 0.0%
Farmers Bank & Trust $315,000 n/a 0.0%
NATIONWIDE EQUITIES CORPORATION $995,000 $315,000 -68.3% 0.0%
COMMUNITYAMERICA $305,000 n/a 0.0%
Security National Bank of Omaha $305,000 n/a 0.0%
ENCORE BANK $285,000 n/a 0.0%
Prosperity Bank $285,000 n/a 0.0%
American Airlines Federal Credit Union $255,000 n/a 0.0%
Credit Union of Denver $825,000 $220,000 -73.3% 0.0%
Bethpage Federal Credit Union $200,000 n/a 0.0%
THRIVE MORTGAGE, LLC $1,770,000 $195,000 -89.0% 0.0%
CARDINAL FINANCIAL $1,880,000 $185,000 -90.2% 0.0%
Peak Financial $185,000 n/a 0.0%
HIWAY $155,000 n/a 0.0%
The Park Bank $1,055,000 $155,000 -85.3% 0.0%
CREDIT UNION OF THE ROCKIES $1,000,000 $110,000 -89.0% 0.0%
HANSCOM $95,000 n/a 0.0%
FIDELIS CATHOLIC $55,000 n/a 0.0%
FOOTHILLS $25,000 n/a 0.0%

Breckenridge's top lender by overall market share is BOKF, with 12.5% market share. In second place, with 5.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $42,595,000 in loans. In third place, with 5.4%, is JPMorgan Chase Bank, having originated $41,950,000 in loans. In fourth place, with 5.1%, is FirstBank, having originated $39,400,000 in loans. In fifth place, with 3.6%, is Alpine Bank, having originated $27,795,000 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 $1,091,500 (10.3%) $1,526,219 (12.2%) 0.00 267
2018-02-01 $1,024,000 (9.9%) $1,497,516 (8.6%) 0.00 273
2018-03-01 $949,000 (6.4%) $1,449,440 (7.3%) 0.00 300
2018-04-01 $839,000 (-4.9%) $1,335,104 (3.8%) 0.00 353
2018-05-01 $814,000 (-2.3%) $1,322,119 (7.3%) 0.00 363
2018-06-01 $854,000 (0.5%) $1,336,460 (10.1%) 0.00 442
2018-07-01 $904,000 (3.3%) $1,391,298 (10.0%) 0.00 503
2018-08-01 $925,750 (9.0%) $1,405,935 (11.4%) 0.00 512
2018-09-01 $928,500 (0.5%) $1,436,871 (8.3%) 0.00 487
2018-10-01 $913,625 (-7.6%) $1,457,086 (1.9%) 0.00 449
2018-11-01 $944,750 (-11.2%) $1,479,372 (-2.1%) 0.00 405
2018-12-01 $968,750 (-9.3%) $1,547,372 (0.9%) 0.00 366
2019-01-01 $913,000 (-16.4%) $1,542,808 (1.1%) 0.00 341
2019-02-01 $816,000 (-20.3%) $1,427,096 (-4.7%) 0.00 360
2019-03-01 $750,429 (-20.9%) $1,280,574 (-11.7%) 0.00 430
2019-04-01 $644,000 (-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 (-24.0%) $1,050,754 (-21.4%) 0.00 726
2019-07-01 $649,000 (-28.2%) $1,063,280 (-23.6%) 0.00 824
2019-08-01 $644,273 (-30.4%) $1,054,435 (-25.0%) 0.00 837
2019-09-01 $635,682 (-31.5%) $1,035,914 (-27.9%) 0.00 806
2019-10-01 $629,955 (-31.1%) $1,029,246 (-29.4%) 0.00 772
2019-11-01 $692,000 (-26.8%) $1,179,438 (-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 (-29.4%) $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 (-10.1%) $1,154,753 (-9.8%) 0.00 665
2020-04-01 $663,750 (3.1%) $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 (6.9%) $1,124,630 (6.7%) 0.00 1,018
2020-09-01 $682,000 (7.3%) $1,148,503 (10.9%) 0.00 935
2020-10-01 $692,000 (9.9%) $1,183,486 (15.0%) 0.00 800
2020-11-01 $699,975 (1.2%) $1,236,400 (4.8%) 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%) $1,856,854 (1.2%) 0.00 604
2023-05-01 $1,180,000 (3.2%) $1,771,708 (-4.0%) 0.00 631
2023-06-01 $1,198,000 (3.3%) $1,818,069 (-1.7%) 0.00 678
2023-07-01 $1,195,000 (1.3%) $1,806,234 (-2.1%) 0.00 787
2023-08-01 $1,193,050 (-0.1%) $1,807,474 (-4.5%) 0.00 840
2023-09-01 $1,154,000 (-6.7%) $1,739,497 (-7.5%) 0.00 931
2023-10-01 $1,185,000 (-5.2%) $1,952,178 (0.4%) 0.00 451
2023-11-01 $1,177,500 (-1.9%) $1,985,698 (2.5%) 0.00 411
2023-12-01 $1,199,500 (-4.0%) $2,017,460 (0.8%) 0.00 364
2024-01-01 $1,188,000 (-8.6%) $2,149,303 (2.6%) 0.00 326
2024-02-01 $1,176,000 (-8.1%) $2,108,563 (4.5%) 0.00 339
2024-03-01 $1,125,000 (-13.3%) $2,013,444 (2.0%) 0.00 390
2024-04-01 $1,125,000 (-11.8%) $1,959,791 (5.5%) 0.00 427
Breckenridge's median listing price for 2024-04-01 was $1,125,000, a difference of $-150,000 (-11.8%) versus the prior year and $0 versus the prior month.

Breckenridge's median listing price comes in at 0% of the national average.

Breckenridge's average listing price for 2024-04-01 was $1,959,791, a difference of $102,937 (5.5%) versus the prior year and $-53,653 versus the prior month.

For the 2024-04-01 period, Breckenridge had 427 MLS listings, a difference of 37 listings (9%) versus the prior month and -177 listings (-29%) 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 2,269 sqft
2018-02-01 0 days 2,115 sqft
2018-03-01 0 days 2,034 sqft
2018-04-01 0 days 1,837 sqft
2018-05-01 0 days 1,821 sqft
2018-06-01 0 days 1,847 sqft
2018-07-01 0 days 1,983 sqft
2018-08-01 0 days 1,982 sqft
2018-09-01 0 days 2,056 sqft
2018-10-01 0 days 2,039 sqft
2018-11-01 0 days 1,949 sqft
2018-12-01 0 days 1,999 sqft
2019-01-01 0 days 1,819 sqft
2019-02-01 0 days 1,590 sqft
2019-03-01 0 days 1,420 sqft
2019-04-01 0 days 1,205 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 1,321 sqft
2019-09-01 0 days 1,312 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
2023-05-01 0 days 1,315 sqft
2023-06-01 0 days 1,329 sqft
2023-07-01 0 days 1,347 sqft
2023-08-01 0 days 1,347 sqft
2023-09-01 0 days 1,347 sqft
2023-10-01 0 days 1,399 sqft
2023-11-01 0 days 1,335 sqft
2023-12-01 0 days 1,320 sqft
2024-01-01 0 days 1,258 sqft
2024-02-01 0 days 1,255 sqft
2024-03-01 0 days 1,232 sqft
2024-04-01 0 days 1,249 sqft
Breckenridge's median listing age (time on market) for 2024-04-01 was 0 days.

Breckenridge's median square footage for active listings during the 2024-04-01 period was 1,249 sqft. One year prior, the average listing was 1,354 sqft.

Breckenridge, CO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 828 $626,700,000 $756,884
Home Improvement 113 $23,955,000 $211,991
Other 82 $38,970,000 $475,244
Cash Out Refi 76 $41,380,000 $544,474
Refi 75 $43,925,000 $585,667

Breckenridge's most frequently cited loan purpose was Home Purchase, with 828 originations. The 2nd most popular reason was Home Improvement, with 113 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 388 $272,630,000 $702,655
7-8% 354 $212,700,000 $600,847
Over 8% 213 $90,945,000 $426,972
5-6% 158 $133,610,000 $845,633
4-5% 27 $38,055,000 $1,409,444
2.5-3% 7 $3,045,000 $435,000
<2.5% 4 $60,000 $15,000
3-4% 3 $2,915,000 $971,667

During 2023, Breckenridge's most frequently originated rate bucket was 6-7%, with 388 originations.

Loan Sizing (Breckenridge, CO MSA)

Loan Size Originations Total Value Average Loan
$600k-1000k 293 $225,725,000 $770,392
$400k-600k 286 $139,000,000 $486,014
$200k-400k 256 $77,520,000 $302,813
$Over $1MM 185 $317,825,000 $1,717,973
$100,000 or less 77 $4,225,000 $54,870
$100k-200k 77 $10,635,000 $138,117

Breckenridge's loan sizing saw the bucket of loans from $600k-1000k with 293 originations, totaling $225,725,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 395 $337,365,000 $854,089
80-100% 212 $153,040,000 $721,887
40-60% 201 $160,015,000 $796,095
Under 20% 198 $31,950,000 $161,364
20-40% 150 $71,270,000 $475,133

Breckenridge's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 395 originations, totaling $337,365,000 in origination value.