Edwards Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Edwards averaged 6.38% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 5.78% and one month ago for the week of 2024-09-05, the average rate was 6.01%.

Edwards's average rate one year ago was 7.35%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.72%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Edwards 30 Year Fixed Rate 2024-10-10 6.38%
Edwards 30 Year Fixed Rate Refi 2024-10-10 6.72%
Edwards 15 Year Fixed Rate 2024-10-10 5.51%
Edwards 15 Year Fixed Rate Refi 2024-10-10 5.71%
Edwards 30 Year FHA 2024-10-10 6%
Edwards 30 Year FHA Refi 2024-10-10 6.3%
Edwards 30 Year USDA 2024-10-10 5.98%
Edwards 30 Year USDA Refi 2024-10-10 6.08%
Edwards 30 Year VA 2024-10-10 5.95%
Edwards 30 Year VA Refi 2024-10-10 5.75%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Edwards, CO.

Edwards 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 Edwards, 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
FirstBank 59 6.87% $3,581
UNITED WHOLESALE MORTGAGE, LLC 55 6.49% $9,510
U.S. Bank 30 6.43% $6,339
Wells Fargo Bank 25 5.01% $8,375
BOKF 24 6.64% $6,169
JPMorgan Chase Bank 19 6.12% $6,836
QUICKEN LOANS, LLC 19 6.61% $10,053
ACADEMY MORTGAGE CORPORATION 19 7.07% $10,509
Morgan Stanley Private Bank 19 5.80% $5,250
SECURITYNATIONAL MORTGAGE COMPANY 13 7.10% $10,722
MidFirst Bank 13 6.23% $15,460
Alpine Bank 12 7.91% $18,198
Citibank 11 4.88% $5,496
ANB Bank 11 6.20% $10,810
First Western Trust Bank 11 7.10% $3,596
GUARANTEED RATE, INC. 10 6.97% $3,529
Bank of England 9 7.26% $8,128
Goldman Sachs Bank USA 8 6.01% $9,040
Bank of America 8 6.05% $5,237
BAY EQUITY LLC 8 7.05% $10,231
Ent Credit Union 6 6.02% $7,638
Charles Schwab Bank, SSB 6 5.44% $7,347
PENNYMAC LOAN SERVICES, LLC 4 6.59% $16,869
CANVAS CREDIT UNION 4 6.47% $3,588
CROSSCOUNTRY MORTGAGE, LLC 4 7.52% $14,273
CALIBER HOME LOANS, INC. 4 6.56% $4,039
Sunflower Bank 4 5.94% $4,209
NOVA FINANCIAL & INVESTMENT CORPORATION 3 6.29% $5,697
CMG MORTGAGE, INC. 3 7.33% $4,662
Elevations Credit Union 3 7.29% $3,337
ENCORE BANK 3 4.62% $4,968
MEGASTAR FINANCIAL CORP. 3 7.13% $5,127
MUTUAL OF OMAHA MORTGAGE, INC. 3 6.63% $4,598
PNC Bank 3 6.21% $4,365
Raymond James Bank 3 6.21% $3,595
UBS Bank USA 3 6.25% $5,354
NAVY FEDERAL CREDIT UNION 2 5.38% $21,466
Flagstar Bank, FSB 2 7.07% $6,387
First-Citizens Bank & Trust Company 2 4.76% $5,970
PLAZA HOME MORTGAGE, INC. 2 8.19% $8,119
Commerce Bank 2 6.31% $8,742
JMAC LENDING, INC. 2 7.63% $14,712
Northpointe Bank 2 7.13% $10,352
ARC HOME LLC 2 8.50% $22,874
First National Bank of Omaha 2 6.88% $3,704
AMERISAVE MORTGAGE CORPORATION 2 6.19% $21,990
BROKER SOLUTIONS, INC. 2 7.13% $10,018
Stifel Bank and Trust 2 6.19% $2,880
American Mortgage & Equity Consultants, Inc. 2 6.81% $9,669
Mr. Cooper ( Nationstar Mortgage ) 2 6.99% $8,689
The Huntington National Bank 2 6.19% $3,830
The Northern Trust Company 2 6.19% $3,607
Zions Bank 2 5.63% $20,855
Chicago Mortgage Solutions LLC 2 6.35% $7,166
Citadel Servicing Corporation 2 8.63% $20,238
GUILD MORTGAGE COMPANY 2 7.50% $8,492
BNY Mellon 2 5.63% $4,372
BMO Harris Bank 2 5.94% $4,012
City National Bank 2 5.86% $4,292
CITYWIDE HOME LOANS, LLC 2 7.63% $17,623
UMB Bank 2 6.67% $2,526
Leader Bank 1 6.62% $4,963
LENDSURE MORTGAGE CORP. 1 8.63% $10,614
LOANDEPOT.COM, LLC 1 6.99% $15,570
M2 Lending Solutions, LLC 1 5.25% $3,695
MASON MCDUFFIE MORTGAGE CORPORATION 1 7.25% $8,846
V.I.P. MORTGAGE, INC. 1 7.38% $8,728
Bank of Colorado 1 6.75% $16,655
Bank Five Nine 1 6.38% $8,362
Comerica Bank 1 6.50% $5,336
M&T Bank 1 4.88% $4,660
A&D Mortgage LLC 1 6.13% $12,679
NATIONS DIRECT MORTGAGE, LLC 1 8.13% $5,276
NBKC BANK 1 6.75% $1,305
NETWORK CAPITAL FUNDING CORPORATION 1 6.13% $12,068
NEWREZ LLC 1 7.88% $12,429
NEXERA HOLDING LLC 1 8.38% $15,490
Bank First, N.A. 1 6.38% $3,093
NP, Inc. 1 8.00% $73,265
OAKTREE FUNDING CORP. 1 8.50% $21,575
OCMBC, INC. 1 11.13% $46,367
Old National Bank 1 5.38% $3,043
ON TAP 1 6.88% $3,519
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.25% $11,269
PHH Mortgage Corporation 1 5.99% $13,587
PLANET HOME LENDING, LLC 1 7.38% $3,908
WESTERRA CREDIT UNION 1 5.88% $4,353
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.38% $7,940
Prosperity Home Mortgage, LLC 1 7.13% $3,306
Wilmington Savings Fund Society, FSB 1 5.75% $15,149
SIRVA MORTGAGE, INC. 1 6.75% $2,180
SWBC MORTGAGE CORPORATION 1 7.13% $9,135
CHERRY CREEK MORTGAGE, LLC 1 5.88% $149
CITIZENS EQUITY FIRST 1 6.13% $4,048
City Bank 1 7.75% $18,213
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.88% $8,030
CORNERSTONE HOME LENDING, INC. 1 6.38% $6,254
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION 1 6.25% $4,307
Century Mortgage Company DBA Century Lending Company 1 7.13% $5,250
DEEPHAVEN MORTGAGE LLC 1 7.25% $18,405
AMERICAN FINANCING CORPORATION 1 6.63% $14,393
ALLIED MORTGAGE GROUP, INC. 1 7.38% $4,170
Equity Prime Mortgage LLC 1 6.25% $7,217
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.63% $11,150
FBC MORTGAGE, LLC 1 7.63% $5,388
First American State Bank 1 6.85% $5,806
First Dakota National Bank 1 7.25% $4,317
First Republic Bank 1 5.25% $5,937
FIRST TECHNOLOGY 1 5.75% $6,754
GARDNER FINANCIAL SERVICES, LTD. 1 6.50% $34,954
Bell Bank 1 6.00% $3,562
GUARANTEED RATE AFFINITY, LLC 1 6.00% $7,011
Baxter Credit Union 1 7.25% $3,586
Heritage Bank 1 7.00% $8,058
HOMESIDE FINANCIAL, LLC 1 6.99% $10,968
HOMESTAR FINANCIAL CORPORATION 1 5.88% $4,727
HOMEXPRESS MORTGAGE CORP. 1 9.38% $5,286
Ixonia Bank 1 7.50% $5,685
Bank of Washington 1 6.38% $13,345
LAKEVIEW LOAN SERVICING, LLC 1 7.13% $32,015

Edwards Average Closing Costs & Other Stats

Edwards, CO's 120 lenders originated 1,181 loans during 2023. The total origination value was $960,285,000, with an average loan value of $813,112.

Edwards's average closing costs are $5,434.

The top Edwards lender as defined by loan originations is FirstBank, with 59 loans originated. Their average total fees are $3,581, which is $5,928 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Edwards lenders (with over 10 loans originated) are GUARANTEED RATE, INC. ($3,529), FirstBank ($3,581), First Western Trust Bank ($3,596), Morgan Stanley Private Bank ($5,250) and Citibank ($5,496).

The lowest rate Edwards lenders (with over 10 loans originated) are Citibank (4.88%), Wells Fargo Bank (5.01%), Morgan Stanley Private Bank (5.80%), JPMorgan Chase Bank (6.12%) and ANB Bank (6.20%).

Edwards, 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
FirstBank $385,000 $104,365,000 27,007.8% 10.9%
JPMorgan Chase Bank $147,775,000 $89,905,000 -39.2% 9.4%
Alpine Bank $109,070,000 $66,425,000 -39.1% 6.9%
Wells Fargo Bank $82,105,000 $42,525,000 -48.2% 4.4%
Morgan Stanley Private Bank $94,405,000 $40,300,000 -57.3% 4.2%
U.S. Bank $78,705,000 $39,735,000 -49.5% 4.1%
UNITED WHOLESALE MORTGAGE, LLC $48,705,000 $38,815,000 -20.3% 4.0%
Bank of America $82,740,000 $37,730,000 -54.4% 3.9%
Citibank $46,725,000 $32,150,000 -31.2% 3.3%
MidFirst Bank $26,830,000 $28,280,000 5.4% 2.9%
Goldman Sachs Bank USA $19,035,000 $26,300,000 38.2% 2.7%
BOKF $21,200,000 $20,110,000 -5.1% 2.1%
QUICKEN LOANS, LLC $22,390,000 $17,455,000 -22.0% 1.8%
ANB Bank $4,100,000 $15,520,000 278.5% 1.6%
ACADEMY MORTGAGE CORPORATION $22,685,000 $14,700,000 -35.2% 1.5%
First Western Trust Bank $13,135,000 $14,365,000 9.4% 1.5%
Zions Bank $19,590,000 $13,610,000 -30.5% 1.4%
Bank of Colorado $3,930,000 $10,840,000 175.8% 1.1%
Charles Schwab Bank, SSB $28,165,000 $8,740,000 -69.0% 0.9%
SECURITYNATIONAL MORTGAGE COMPANY $12,165,000 $8,460,000 -30.5% 0.9%
PNC Bank $32,585,000 $8,265,000 -74.6% 0.9%
GUARANTEED RATE, INC. $11,600,000 $7,865,000 -32.2% 0.8%
BAY EQUITY LLC $13,075,000 $7,420,000 -43.3% 0.8%
Bank of England $355,000 $7,255,000 1,943.7% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $8,250,000 $6,800,000 -17.6% 0.7%
CrossFirst Bank $2,745,000 $6,005,000 118.8% 0.6%
First Republic Bank $67,525,000 $5,880,000 -91.3% 0.6%
Ent Credit Union $3,390,000 $5,755,000 69.8% 0.6%
First-Citizens Bank & Trust Company $2,070,000 $5,385,000 160.1% 0.6%
Inwood National Bank $2,005,000 $5,005,000 149.6% 0.5%
Merchants Bank of Indiana $965,000 $4,915,000 409.3% 0.5%
CMG MORTGAGE, INC. $4,095,000 $4,800,000 17.2% 0.5%
UBS Bank USA $60,070,000 $4,605,000 -92.3% 0.5%
Commerce Bank $11,500,000 $4,540,000 -60.5% 0.5%
BROKER SOLUTIONS, INC. $755,000 $3,970,000 425.8% 0.4%
The Huntington National Bank $7,900,000 $3,965,000 -49.8% 0.4%
PENNYMAC LOAN SERVICES, LLC $3,705,000 $3,760,000 1.5% 0.4%
Bank of Washington $3,535,000 n/a 0.4%
DEEPHAVEN MORTGAGE LLC $1,570,000 $3,510,000 123.6% 0.4%
Raymond James Bank $14,250,000 $3,475,000 -75.6% 0.4%
City National Bank $680,000 $3,390,000 398.5% 0.4%
FIRST TECHNOLOGY $3,310,000 n/a 0.3%
Sunflower Bank $3,230,000 n/a 0.3%
CANVAS CREDIT UNION $705,000 $3,195,000 353.2% 0.3%
RF Renovo Management Company, LLC $2,965,000 n/a 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $2,205,000 $2,825,000 28.1% 0.3%
BMO Harris Bank $6,370,000 $2,705,000 -57.5% 0.3%
BNY Mellon $9,900,000 $2,690,000 -72.8% 0.3%
OCMBC, INC. $2,645,000 n/a 0.3%
Stifel Bank and Trust $7,510,000 $2,635,000 -64.9% 0.3%
Commerce Home Mortgage, Inc. $1,350,000 $2,585,000 91.5% 0.3%
Third Coast Bank SSB $2,545,000 n/a 0.3%
OAKTREE FUNDING CORP. $2,515,000 n/a 0.3%
City Bank $2,505,000 n/a 0.3%
NOVA FINANCIAL & INVESTMENT CORPORATION $615,000 $2,465,000 300.8% 0.3%
NBH Bank $15,490,000 $2,455,000 -84.2% 0.3%
GUARANTEED RATE AFFINITY, LLC $1,885,000 $2,425,000 28.6% 0.3%
UMB Bank $11,630,000 $2,405,000 -79.3% 0.3%
Veritex Community Bank $2,345,000 n/a 0.2%
First National Bank of Omaha $290,000 $2,320,000 700.0% 0.2%
MEGASTAR FINANCIAL CORP. $4,845,000 $2,255,000 -53.5% 0.2%
FINANCE OF AMERICA REVERSE LLC $2,995,000 $2,215,000 -26.0% 0.2%
NP, Inc. $825,000 $2,205,000 167.3% 0.2%
Hometown Equity Mortgage, LLC $525,000 $2,200,000 319.0% 0.2%
Horizon Bank SSB $2,180,000 n/a 0.2%
Citadel Servicing Corporation $1,680,000 $2,130,000 26.8% 0.2%
Benchmark Bank $2,105,000 n/a 0.2%
WESTERRA CREDIT UNION $3,315,000 $2,105,000 -36.5% 0.2%
ENCORE BANK $2,055,000 n/a 0.2%
ARC HOME LLC $2,020,000 n/a 0.2%
Comerica Bank $14,970,000 $2,005,000 -86.6% 0.2%
Leader Bank $2,005,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $3,185,000 $1,995,000 -37.4% 0.2%
Elevations Credit Union $6,950,000 $1,970,000 -71.7% 0.2%
CITIZENS EQUITY FIRST $1,925,000 n/a 0.2%
LOANDEPOT.COM, LLC $12,380,000 $1,910,000 -84.6% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $1,905,000 n/a 0.2%
HOMEXPRESS MORTGAGE CORP. $1,905,000 n/a 0.2%
M&T Bank $1,950,000 $1,845,000 -5.4% 0.2%
Paragon Bank $1,805,000 n/a 0.2%
HomeBank Texas $1,755,000 n/a 0.2%
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION $1,270,000 $1,745,000 37.4% 0.2%
CALIBER HOME LOANS, INC. $12,090,000 $1,720,000 -85.8% 0.2%
Vista Bank $1,695,000 n/a 0.2%
The Northern Trust Company $12,395,000 $1,690,000 -86.4% 0.2%
Sanibel Captiva Community Bank $1,685,000 n/a 0.2%
Flagstar Bank, FSB $7,050,000 $1,565,000 -77.8% 0.2%
GUILD MORTGAGE COMPANY $1,330,000 $1,565,000 17.7% 0.2%
NEXERA HOLDING LLC $485,000 $1,500,000 209.3% 0.2%
PLAZA HOME MORTGAGE, INC. $525,000 $1,490,000 183.8% 0.2%
AMERICAN FINANCING CORPORATION $2,400,000 $1,485,000 -38.1% 0.2%
NAVY FEDERAL CREDIT UNION $2,300,000 $1,465,000 -36.3% 0.2%
FUNDLOANS CAPITAL $6,410,000 $1,460,000 -77.2% 0.2%
Bell Bank $1,445,000 n/a 0.2%
Simmons Bank $1,445,000 n/a 0.2%
Northpointe Bank $745,000 $1,430,000 91.9% 0.1%
SWBC MORTGAGE CORPORATION $1,405,000 n/a 0.1%
Wilmington Savings Fund Society, FSB $1,405,000 n/a 0.1%
Baxter Credit Union $155,000 $1,385,000 793.5% 0.1%
CITYWIDE HOME LOANS, LLC $355,000 $1,380,000 288.7% 0.1%
FBC MORTGAGE, LLC $2,100,000 $1,355,000 -35.5% 0.1%
Mr. Cooper ( Nationstar Mortgage ) $1,655,000 $1,295,000 -21.8% 0.1%
JMAC LENDING, INC. $1,160,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $815,000 $1,115,000 36.8% 0.1%
EMBRACE HOME LOANS, INC. $1,165,000 $1,085,000 -6.9% 0.1%
American Mortgage & Equity Consultants, Inc. $1,515,000 $1,080,000 -28.7% 0.1%
Montgomery Bank $745,000 $1,075,000 44.3% 0.1%
Chicago Mortgage Solutions LLC $3,530,000 $1,010,000 -71.4% 0.1%
NEWREZ LLC $1,675,000 $1,010,000 -39.7% 0.1%
Guaranty Bank & Trust, N.A. $875,000 $1,005,000 14.9% 0.1%
BELLCO $1,350,000 $970,000 -28.1% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,615,000 $955,000 -40.9% 0.1%
PLANET HOME LENDING, LLC $3,960,000 $955,000 -75.9% 0.1%
SECURITY SERVICE $2,785,000 $945,000 -66.1% 0.1%
Ixonia Bank $925,000 n/a 0.1%
Prosperity Home Mortgage, LLC $545,000 $925,000 69.7% 0.1%
GARDNER FINANCIAL SERVICES, LTD. $855,000 n/a 0.1%
The Loan Store, Inc. $845,000 n/a 0.1%
Credit Union of Denver $585,000 $820,000 40.2% 0.1%
PILGRIM MORTGAGE LLC $815,000 n/a 0.1%
Blue Federal Credit Union $105,000 $810,000 671.4% 0.1%
ALLIED MORTGAGE GROUP, INC. $755,000 n/a 0.1%
Armed Forces Bank $725,000 n/a 0.1%
Farmers Bank & Trust $725,000 n/a 0.1%
First American State Bank $725,000 n/a 0.1%
Old National Bank $4,675,000 $725,000 -84.5% 0.1%
Bank First, N.A. $705,000 n/a 0.1%
COLORADO CREDIT UNION $1,435,000 $705,000 -50.9% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,745,000 $685,000 -85.6% 0.1%
First National Bank $675,000 n/a 0.1%
SIRVA MORTGAGE, INC. $675,000 n/a 0.1%
First Dakota National Bank $665,000 n/a 0.1%
Loan Simple, Inc. $970,000 $665,000 -31.4% 0.1%
The Fidelity Deposit and Discount Bank $445,000 $625,000 40.4% 0.1%
NATIONS DIRECT MORTGAGE, LLC $585,000 n/a 0.1%
21ST MORTGAGE CORPORATION $850,000 $575,000 -32.4% 0.1%
NBKC BANK $645,000 $575,000 -10.9% 0.1%
AMERICAN HERITAGE LENDING, INC. $1,805,000 $555,000 -69.3% 0.1%
Bank Five Nine $555,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $65,000 $545,000 738.5% 0.1%
Heritage Bank $535,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $525,000 n/a 0.1%
Discover Bank $1,125,000 $525,000 -53.3% 0.1%
AMERITRUST MORTGAGE CORPORATION $505,000 n/a 0.1%
HANSCOM $505,000 n/a 0.1%
M2 Lending Solutions, LLC $515,000 $505,000 -1.9% 0.1%
V.I.P. MORTGAGE, INC. $505,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $495,000 n/a 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $495,000 n/a 0.1%
CHERRY CREEK MORTGAGE, LLC $5,720,000 $485,000 -91.5% 0.1%
PENTAGON FEDERAL CREDIT UNION $6,795,000 $480,000 -92.9% 0.0%
Figure Lending LLC $200,000 $470,000 135.0% 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $455,000 n/a 0.0%
PHH Mortgage Corporation $720,000 $445,000 -38.2% 0.0%
LONGBRIDGE FINANCIAL, LLC $2,105,000 $425,000 -79.8% 0.0%
A&D Mortgage LLC $1,155,000 $405,000 -64.9% 0.0%
KINECTA $405,000 n/a 0.0%
Banterra Bank $385,000 n/a 0.0%
FirstBank $385,000 $385,000 0.0% 0.0%
LENDSURE MORTGAGE CORP. $1,250,000 $375,000 -70.0% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $345,000 n/a 0.0%
S1L, Inc. $1,300,000 $335,000 -74.2% 0.0%
Truist $15,105,000 $335,000 -97.8% 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $325,000 n/a 0.0%
FOOTHILLS $305,000 n/a 0.0%
WINGS FINANCIAL $630,000 $305,000 -51.6% 0.0%
CORNERSTONE HOME LENDING, INC. $2,860,000 $285,000 -90.0% 0.0%
American Airlines Federal Credit Union $685,000 $255,000 -62.8% 0.0%
QUORUM FEDERAL CREDIT UNION $145,000 $255,000 75.9% 0.0%
North Dallas Bank & Trust Co. $1,505,000 $245,000 -83.7% 0.0%
Minnequa Works Credit Union $225,000 n/a 0.0%
Red Rocks Credit Union $200,000 $210,000 5.0% 0.0%
Connexus Credit Union $205,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $695,000 $185,000 -73.4% 0.0%
HOMESTAR FINANCIAL CORPORATION $175,000 n/a 0.0%
ON TAP $625,000 $165,000 -73.6% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $155,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $75,000 $155,000 106.7% 0.0%
UTAH FIRST $155,000 n/a 0.0%
Equity Prime Mortgage LLC $145,000 n/a 0.0%
ALLIANT CREDIT UNION $1,310,000 $105,000 -92.0% 0.0%
Coastal Community Bank $100,000 n/a 0.0%
LADERA LENDING, INC. $85,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $65,000 n/a 0.0%

Edwards's top lender by overall market share is FirstBank, with 10.9% market share. In second place, with 9.4%, is JPMorgan Chase Bank, having originated $89,905,000 in loans. In third place, with 6.9%, is Alpine Bank, having originated $66,425,000 in loans. In fourth place, with 4.4%, is Wells Fargo Bank, having originated $42,525,000 in loans. In fifth place, with 4.2%, is Morgan Stanley Private Bank, having originated $40,300,000 in loans.


Edwards Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Edwards (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 $849,250 (-0.1%) $1,914,219 (-1.6%) 0.00 906
2018-02-01 $885,500 (4.6%) $1,966,033 (2.9%) 0.00 872
2018-03-01 $849,000 (-0.6%) $1,904,156 (-3.3%) 0.00 934
2018-04-01 $828,250 (-0.5%) $1,856,221 (-3.6%) 0.00 913
2018-05-01 $795,000 (-6.5%) $1,739,127 (-7.8%) 0.00 924
2018-06-01 $800,000 (-5.2%) $1,738,966 (-5.8%) 0.00 990
2018-07-01 $842,000 (-0.9%) $1,868,043 (-2.4%) 0.00 1,091
2018-08-01 $820,500 (-3.6%) $1,894,569 (-2.8%) 0.00 1,082
2018-09-01 $799,000 (-9.1%) $1,905,271 (-6.0%) 0.00 1,032
2018-10-01 $781,500 (-10.3%) $1,898,909 (-7.1%) 0.00 982
2018-11-01 $772,500 (-9.1%) $1,921,063 (-5.7%) 0.00 961
2018-12-01 $809,000 (-6.2%) $2,009,458 (2.5%) 0.00 968
2019-01-01 $832,000 (-2.0%) $1,997,965 (4.4%) 0.00 967
2019-02-01 $875,000 (-1.2%) $2,016,577 (2.6%) 0.00 966
2019-03-01 $815,000 (-4.0%) $1,910,808 (0.4%) 0.00 971
2019-04-01 $749,500 (-9.5%) $1,818,463 (-2.0%) 0.00 976
2019-05-01 $739,000 (-7.0%) $1,819,004 (4.6%) 0.00 932
2019-06-01 $799,500 (-0.1%) $1,821,479 (4.7%) 0.00 1,038
2019-07-01 $856,000 (1.7%) $1,990,456 (6.6%) 0.00 1,115
2019-08-01 $829,727 (1.1%) $1,994,548 (5.3%) 0.00 1,078
2019-09-01 $806,818 (1.0%) $2,010,857 (5.5%) 0.00 1,026
2019-10-01 $784,000 (0.3%) $2,021,730 (6.5%) 0.00 985
2019-11-01 $765,000 (-1.0%) $2,018,264 (5.1%) 0.00 958
2019-12-01 $903,250 (11.7%) $2,104,988 (4.8%) 0.00 957
2020-01-01 $915,000 (10.0%) $2,207,643 (10.5%) 0.00 888
2020-02-01 $940,000 (7.4%) $2,238,507 (11.0%) 0.00 869
2020-03-01 $935,000 (14.7%) $2,216,935 (16.0%) 0.00 909
2020-04-01 $831,500 (10.9%) $2,017,608 (11.0%) 0.00 882
2020-05-01 $799,000 (8.1%) $1,907,455 (4.9%) 0.00 877
2020-06-01 $895,000 (11.9%) $1,976,877 (8.5%) 0.00 890
2020-07-01 $867,450 (1.3%) $2,036,928 (2.3%) 0.00 903
2020-08-01 $899,000 (8.4%) $2,274,074 (14.0%) 0.00 875
2020-09-01 $940,000 (16.5%) $2,269,453 (12.9%) 0.00 795
2020-10-01 $899,000 (14.7%) $2,370,913 (17.3%) 0.00 724
2020-11-01 $797,000 (4.2%) $2,457,854 (21.8%) 0.00 689
2020-12-01 $827,000 (-8.4%) $2,558,423 (21.5%) 0.00 648
2021-01-01 $736,000 (-19.6%) $2,685,006 (21.6%) 0.00 607
2021-02-01 $679,000 (-27.8%) $2,795,539 (24.9%) 0.00 578
2021-03-01 $733,000 (-21.6%) $2,754,484 (24.3%) 0.00 561
2021-04-01 $638,500 (-23.2%) $2,713,611 (34.5%) 0.00 537
2021-05-01 $625,000 (-21.8%) $2,623,415 (37.5%) 0.00 475
2021-06-01 $756,250 (-15.5%) $2,660,852 (34.6%) 0.00 498
2021-07-01 $860,000 (-0.9%) $2,678,953 (31.5%) 0.00 515
2021-08-01 $990,000 (10.1%) $2,745,860 (20.8%) 0.00 493
2021-09-01 $896,000 (-4.7%) $2,619,291 (15.4%) 0.00 485
2021-10-01 $842,500 (-6.3%) $2,357,168 (-0.6%) 0.00 444
2021-11-01 $446,500 (-44.0%) $2,224,130 (-9.5%) 0.00 400
2021-12-01 $292,500 (-64.6%) $2,321,772 (-9.3%) 0.00 385
2022-01-01 $160,000 (-78.3%) $2,273,529 (-15.3%) 0.00 364
2022-02-01 $524,500 (-22.8%) $2,356,251 (-15.7%) 0.00 372
2022-03-01 $537,500 (-26.7%) $2,404,470 (-12.7%) 0.00 349
2022-04-01 $750,000 (17.5%) $2,253,141 (-17.0%) 0.00 354
2022-05-01 $935,500 (49.7%) $2,440,927 (-7.0%) 0.00 355
2022-06-01 $1,172,500 (55.0%) $2,406,153 (-9.6%) 0.00 416
2022-07-01 $1,245,000 (44.8%) $2,530,774 (-5.5%) 0.00 512
2022-08-01 $1,199,000 (21.1%) $2,488,940 (-9.4%) 0.00 505
2022-09-01 $1,131,000 (26.2%) $2,371,107 (-9.5%) 0.00 463
2022-10-01 $1,200,000 (42.4%) $2,363,213 (0.3%) 0.00 463
2022-11-01 $1,199,750 (168.7%) $2,508,861 (12.8%) 0.00 449
2022-12-01 $1,100,000 (276.1%) $2,616,885 (12.7%) 0.00 453
2023-01-01 $962,500 (501.6%) $2,642,903 (16.3%) 0.00 441
2023-02-01 $998,750 (90.4%) $2,695,979 (14.4%) 0.00 433
2023-03-01 $1,200,000 (123.3%) $2,786,741 (15.9%) 0.00 450
2023-04-01 $1,297,000 (72.9%) $2,842,099 (26.1%) 0.00 444
2023-05-01 $1,312,500 (40.3%) $2,870,931 (17.6%) 0.00 421
2023-06-01 $1,328,750 (13.3%) $2,780,943 (15.6%) 0.00 461
2023-07-01 $1,575,000 (26.5%) $2,969,884 (17.4%) 0.00 512
2023-08-01 $1,553,500 (29.6%) $2,902,748 (16.6%) 0.00 541
2023-09-01 $1,450,000 (28.2%) $2,899,279 (22.3%) 0.00 519
2023-10-01 $1,337,250 (11.4%) $2,796,342 (18.3%) 0.00 512
2023-11-01 $1,235,000 (2.9%) $2,801,007 (11.6%) 0.00 501
2023-12-01 $1,250,000 (13.6%) $2,826,035 (8.0%) 0.00 518
2024-01-01 $1,160,000 (20.5%) $2,871,458 (8.7%) 0.00 517
2024-02-01 $1,168,750 (17.0%) $2,954,569 (9.6%) 0.00 524
2024-03-01 $1,125,000 (-6.3%) $2,834,477 (1.7%) 0.00 537
2024-04-01 $913,750 (-29.6%) $2,674,762 (-5.9%) 0.00 541
2024-05-01 $825,000 (-37.1%) $2,491,055 (-13.2%) 0.00 517
2024-06-01 $975,000 (-26.6%) $2,526,131 (-9.2%) 0.00 600
2024-07-01 $1,162,500 (-26.2%) $2,620,190 (-11.8%) 0.00 669
2024-08-01 $1,083,500 (-30.3%) $2,530,293 (-12.8%) 0.00 678
2024-09-01 $991,000 (-31.7%) $2,325,378 (-19.8%) 0.00 691
Edwards's median listing price for 2024-09-01 was $991,000, a difference of $-459,000 (-31.7%) versus the prior year and $-92,500 versus the prior month.

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

Edwards's average listing price for 2024-09-01 was $2,325,378, a difference of $-573,901 (-19.8%) versus the prior year and $-204,915 versus the prior month.

For the 2024-09-01 period, Edwards had 691 MLS listings, a difference of 13 listings (2%) versus the prior month and 172 listings (33%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Edwards (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,883 sqft
2018-02-01 0 days 1,905 sqft
2018-03-01 0 days 1,900 sqft
2018-04-01 0 days 1,844 sqft
2018-05-01 0 days 1,844 sqft
2018-06-01 0 days 1,847 sqft
2018-07-01 0 days 1,899 sqft
2018-08-01 0 days 1,878 sqft
2018-09-01 0 days 1,843 sqft
2018-10-01 0 days 1,820 sqft
2018-11-01 0 days 1,821 sqft
2018-12-01 0 days 1,822 sqft
2019-01-01 0 days 1,829 sqft
2019-02-01 0 days 1,842 sqft
2019-03-01 0 days 1,825 sqft
2019-04-01 0 days 1,805 sqft
2019-05-01 0 days 1,839 sqft
2019-06-01 0 days 1,857 sqft
2019-07-01 0 days 1,900 sqft
2019-08-01 0 days 1,896 sqft
2019-09-01 0 days 1,891 sqft
2019-10-01 0 days 1,881 sqft
2019-11-01 0 days 1,869 sqft
2019-12-01 0 days 1,804 sqft
2020-01-01 0 days 1,810 sqft
2020-02-01 0 days 1,855 sqft
2020-03-01 0 days 1,823 sqft
2020-04-01 0 days 1,760 sqft
2020-05-01 0 days 1,791 sqft
2020-06-01 0 days 1,800 sqft
2020-07-01 0 days 1,800 sqft
2020-08-01 0 days 1,749 sqft
2020-09-01 0 days 1,708 sqft
2020-10-01 0 days 1,725 sqft
2020-11-01 0 days 1,691 sqft
2020-12-01 0 days 1,697 sqft
2021-01-01 0 days 1,705 sqft
2021-02-01 0 days 1,727 sqft
2021-03-01 0 days 1,743 sqft
2021-04-01 0 days 1,784 sqft
2021-05-01 0 days 1,803 sqft
2021-06-01 0 days 1,820 sqft
2021-07-01 0 days 1,875 sqft
2021-08-01 0 days 1,885 sqft
2021-09-01 0 days 1,875 sqft
2021-10-01 0 days 1,834 sqft
2021-11-01 0 days 1,704 sqft
2021-12-01 0 days 1,647 sqft
2022-01-01 0 days 1,600 sqft
2022-02-01 0 days 1,625 sqft
2022-03-01 0 days 1,637 sqft
2022-04-01 0 days 1,627 sqft
2022-05-01 0 days 1,705 sqft
2022-06-01 0 days 1,811 sqft
2022-07-01 0 days 1,896 sqft
2022-08-01 0 days 1,837 sqft
2022-09-01 0 days 1,810 sqft
2022-10-01 0 days 1,840 sqft
2022-11-01 0 days 1,800 sqft
2022-12-01 0 days 1,785 sqft
2023-01-01 0 days 1,789 sqft
2023-02-01 0 days 1,787 sqft
2023-03-01 0 days 1,797 sqft
2023-04-01 0 days 1,787 sqft
2023-05-01 0 days 1,797 sqft
2023-06-01 0 days 1,793 sqft
2023-07-01 0 days 1,846 sqft
2023-08-01 0 days 1,877 sqft
2023-09-01 0 days 1,800 sqft
2023-10-01 0 days 1,727 sqft
2023-11-01 0 days 1,627 sqft
2023-12-01 0 days 1,643 sqft
2024-01-01 0 days 1,611 sqft
2024-02-01 0 days 1,615 sqft
2024-03-01 0 days 1,644 sqft
2024-04-01 0 days 1,620 sqft
2024-05-01 0 days 1,602 sqft
2024-06-01 0 days 1,627 sqft
2024-07-01 0 days 1,626 sqft
2024-08-01 0 days 1,585 sqft
2024-09-01 0 days 1,570 sqft
Edwards's median listing age (time on market) for 2024-09-01 was 0 days.

Edwards's median square footage for active listings during the 2024-09-01 period was 1,570 sqft. One year prior, the average listing was 1,800 sqft.

Edwards, CO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 652 $667,790,000 $1,024,218
Home Improvement 166 $35,810,000 $215,723
Other 164 $137,470,000 $838,232
Refi 100 $62,210,000 $622,100
Cash Out Refi 99 $57,005,000 $575,808

Edwards's most frequently cited loan purpose was Home Purchase, with 652 originations. The 2nd most popular reason was Home Improvement, with 166 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
Over 8% 324 $140,180,000 $432,654
6-7% 321 $274,485,000 $855,093
7-8% 287 $209,485,000 $729,913
5-6% 181 $240,215,000 $1,327,155
4-5% 25 $49,325,000 $1,973,000
2.5-3% 11 $7,035,000 $639,545
<2.5% 10 $1,210,000 $121,000
3-4% 8 $13,300,000 $1,662,500

During 2023, Edwards's most frequently originated rate bucket was Over 8%, with 324 originations.

Loan Sizing (Edwards, CO MSA)

Loan Size Originations Total Value Average Loan
$Over $1MM 268 $596,060,000 $2,224,104
$600k-1000k 232 $178,350,000 $768,750
$400k-600k 209 $102,095,000 $488,493
$200k-400k 196 $57,330,000 $292,500
$100k-200k 140 $19,030,000 $135,929
$100,000 or less 136 $7,420,000 $54,559

Edwards's loan sizing saw the bucket of loans from $Over $1MM with 268 originations, totaling $596,060,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
Under 20% 329 $53,535,000 $162,720
60-80% 300 $401,310,000 $1,337,700
20-40% 189 $113,065,000 $598,228
40-60% 178 $223,520,000 $1,255,730
80-100% 167 $141,915,000 $849,790

Edwards's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 329 originations, totaling $53,535,000 in origination value.