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
5.78%
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
5.6% and
one month ago for the week of 2023-04-20, the
average rate was 5.4%.
Edwards's average rate one year ago was 4.46%.
For refis of the same type during the week of 2023-05-25, the average rate
was 4.67%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Edwards 30 Year Fixed Rate | 2023-05-25 | 5.78% |
| Edwards 30 Year Fixed Rate Refi | 2023-05-25 | 4.67% |
| Edwards 15 Year Fixed Rate | 2023-05-25 | 5.77% |
| Edwards 15 Year Fixed Rate Refi | 2023-05-25 | 6.57% |
| Edwards 30 Year FHA | 2023-05-25 | 6.51% |
| Edwards 30 Year FHA Refi | 2023-05-25 | 6.71% |
| Edwards 30 Year USDA | 2023-05-25 | 6.73% |
| Edwards 30 Year USDA Refi | 2023-05-25 | 6.73% |
| Edwards 30 Year VA | 2023-05-25 | 6.31% |
| Edwards 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 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.).
Edwards Average Closing Costs & Other Stats
Edwards, CO's 178 lenders originated 2,135
loans during 2022. The total origination value was $1,929,245,000, with an average loan value of
$903,628.
Edwards's average closing costs are $5,243.
The top Edwards lender as defined by loan originations is FirstBank, with
151 loans originated. Their average total fees are
$5,076, which is $2,260
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Edwards lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($1,359), First Western Trust Bank ($3,227), BOKF ($4,135), FirstBank ($5,076) and Raymond James Bank ($5,091).
The lowest rate Edwards lenders (with over 10 loans originated) are
Raymond James Bank (3.16%), UBS Bank USA (3.19%), Bank of America (3.26%), Citibank (3.29%) and JPMorgan Chase Bank (3.51%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| FirstBank | $1,345,000 | $290,225,000 | 21,478.1% | 15.0% |
| JPMorgan Chase Bank | $212,770,000 | $147,775,000 | -30.5% | 7.7% |
| Alpine Bank | $121,350,000 | $109,070,000 | -10.1% | 5.7% |
| Morgan Stanley Private Bank | $100,865,000 | $94,405,000 | -6.4% | 4.9% |
| Bank of America | $112,745,000 | $82,740,000 | -26.6% | 4.3% |
| Wells Fargo Bank | $163,020,000 | $82,105,000 | -49.6% | 4.3% |
| U.S. Bank | $161,810,000 | $78,705,000 | -51.4% | 4.1% |
| First Republic Bank | $36,440,000 | $67,525,000 | 85.3% | 3.5% |
| UBS Bank USA | $70,145,000 | $60,070,000 | -14.4% | 3.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $130,580,000 | $48,705,000 | -62.7% | 2.5% |
| Citibank | $55,140,000 | $46,725,000 | -15.3% | 2.4% |
| WALKER & DUNLOP, LLC | $32,605,000 | n/a | 1.7% | |
| PNC Bank | $23,270,000 | $32,585,000 | 40.0% | 1.7% |
| Charles Schwab Bank, SSB | $48,165,000 | $28,165,000 | -41.5% | 1.5% |
| MidFirst Bank | $47,660,000 | $26,830,000 | -43.7% | 1.4% |
| ACADEMY MORTGAGE CORPORATION | $73,250,000 | $22,685,000 | -69.0% | 1.2% |
| QUICKEN LOANS, LLC | $112,570,000 | $22,390,000 | -80.1% | 1.2% |
| BOKF | $41,440,000 | $21,200,000 | -48.8% | 1.1% |
| Zions Bancorporation, N.A. | $15,595,000 | $19,590,000 | 25.6% | 1.0% |
| Goldman Sachs Bank USA | $37,235,000 | $19,035,000 | -48.9% | 1.0% |
| NBH Bank | $21,415,000 | $15,490,000 | -27.7% | 0.8% |
| Truist | $4,920,000 | $15,105,000 | 207.0% | 0.8% |
| Comerica Bank | $14,970,000 | n/a | 0.8% | |
| Raymond James Bank | $11,885,000 | $14,250,000 | 19.9% | 0.7% |
| First Western Trust Bank | $14,535,000 | $13,135,000 | -9.6% | 0.7% |
| BAY EQUITY LLC | $43,840,000 | $13,075,000 | -70.2% | 0.7% |
| The Northern Trust Company | $24,065,000 | $12,395,000 | -48.5% | 0.6% |
| LOANDEPOT.COM, LLC | $35,745,000 | $12,380,000 | -65.4% | 0.6% |
| SECURITYNATIONAL MORTGAGE COMPANY | $27,635,000 | $12,165,000 | -56.0% | 0.6% |
| CALIBER HOME LOANS, INC. | $13,875,000 | $12,090,000 | -12.9% | 0.6% |
| UMB Bank | $15,955,000 | $11,630,000 | -27.1% | 0.6% |
| GUARANTEED RATE, INC. | $53,400,000 | $11,600,000 | -78.3% | 0.6% |
| Commerce Bank | $14,885,000 | $11,500,000 | -22.7% | 0.6% |
| KeyBank | $17,775,000 | $10,795,000 | -39.3% | 0.6% |
| BNY Mellon | $2,050,000 | $9,900,000 | 382.9% | 0.5% |
| First Horizon Bank | $2,965,000 | $9,220,000 | 211.0% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $7,175,000 | $8,250,000 | 15.0% | 0.4% |
| The Huntington National Bank | $6,735,000 | $7,900,000 | 17.3% | 0.4% |
| Citywide Banks | $3,910,000 | $7,530,000 | 92.6% | 0.4% |
| Stifel Bank and Trust | $16,050,000 | $7,510,000 | -53.2% | 0.4% |
| Flagstar Bank, FSB | $4,510,000 | $7,050,000 | 56.3% | 0.4% |
| Elevations Credit Union | $9,480,000 | $6,950,000 | -26.7% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $3,390,000 | $6,795,000 | 100.4% | 0.4% |
| Citizens Bank | $765,000 | $6,750,000 | 782.4% | 0.3% |
| FUNDLOANS CAPITAL | $6,410,000 | n/a | 0.3% | |
| BMO Harris Bank | $3,935,000 | $6,370,000 | 61.9% | 0.3% |
| HOME POINT FINANCIAL CORPORATION | $80,415,000 | $6,015,000 | -92.5% | 0.3% |
| CHERRY CREEK MORTGAGE, LLC | $17,460,000 | $5,720,000 | -67.2% | 0.3% |
| Independent Bank | $6,300,000 | $5,240,000 | -16.8% | 0.3% |
| First United Bank | $5,005,000 | n/a | 0.3% | |
| AMERICAN FIRST | $4,955,000 | n/a | 0.3% | |
| MEGASTAR FINANCIAL CORP. | $7,180,000 | $4,845,000 | -32.5% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $16,665,000 | $4,745,000 | -71.5% | 0.2% |
| ServisFirst Bank | $4,680,000 | n/a | 0.2% | |
| Old National Bank | $1,155,000 | $4,675,000 | 304.8% | 0.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $4,555,000 | n/a | 0.2% | |
| Luxury Mortgage Corp. | $4,510,000 | n/a | 0.2% | |
| ANB Bank | $13,690,000 | $4,100,000 | -70.1% | 0.2% |
| CMG MORTGAGE, INC. | $3,135,000 | $4,095,000 | 30.6% | 0.2% |
| SouthEast Bank | $4,005,000 | n/a | 0.2% | |
| First Financial Bank | $4,490,000 | $3,975,000 | -11.5% | 0.2% |
| BancorpSouth Bank | $545,000 | $3,970,000 | 628.4% | 0.2% |
| PLANET HOME LENDING, LLC | $5,525,000 | $3,960,000 | -28.3% | 0.2% |
| Bank of Colorado | $14,550,000 | $3,930,000 | -73.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $23,795,000 | $3,925,000 | -83.5% | 0.2% |
| Silicon Valley Bank | $6,190,000 | $3,910,000 | -36.8% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $3,065,000 | $3,755,000 | 22.5% | 0.2% |
| PENNYMAC LOAN SERVICES, LLC | $10,185,000 | $3,705,000 | -63.6% | 0.2% |
| Bank of the West | $3,750,000 | $3,580,000 | -4.5% | 0.2% |
| Chicago Mortgage Solutions LLC | $14,870,000 | $3,530,000 | -76.3% | 0.2% |
| BM Real Estate Services, Inc. | $3,505,000 | n/a | 0.2% | |
| Prosperity Bank | $6,005,000 | $3,505,000 | -41.6% | 0.2% |
| FINANCE OF AMERICA MORTGAGE LLC | $4,710,000 | $3,420,000 | -27.4% | 0.2% |
| Ent Credit Union | $4,215,000 | $3,390,000 | -19.6% | 0.2% |
| WESTERRA CREDIT UNION | $2,545,000 | $3,315,000 | 30.3% | 0.2% |
| REVERSE MORTGAGE FUNDING LLC | $3,200,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $13,410,000 | $3,185,000 | -76.2% | 0.2% |
| Regions Bank | $4,145,000 | $3,010,000 | -27.4% | 0.2% |
| EVANSVILLE TEACHERS | $2,995,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $2,590,000 | $2,995,000 | 15.6% | 0.2% |
| Carrington Mortgage Services, LLC | $185,000 | $2,915,000 | 1,475.7% | 0.2% |
| Ally Bank | $4,790,000 | $2,905,000 | -39.4% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $8,305,000 | $2,860,000 | -65.6% | 0.1% |
| SECURITY SERVICE | $2,770,000 | $2,785,000 | 0.5% | 0.1% |
| CrossFirst Bank | $5,225,000 | $2,745,000 | -47.5% | 0.1% |
| Florida Capital Bank | $7,260,000 | $2,605,000 | -64.1% | 0.1% |
| Amerifirst Financial, Inc. | $2,900,000 | $2,545,000 | -12.2% | 0.1% |
| PREMIER AMERICA | $1,465,000 | $2,505,000 | 71.0% | 0.1% |
| Mortgage Research Center, LLC | $3,340,000 | $2,455,000 | -26.5% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $16,710,000 | $2,450,000 | -85.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $17,120,000 | $2,400,000 | -86.0% | 0.1% |
| NAVY FEDERAL CREDIT UNION | $7,065,000 | $2,300,000 | -67.4% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,365,000 | $2,245,000 | -5.1% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,330,000 | $2,205,000 | -5.4% | 0.1% |
| Blackhawk Bank & Trust | $2,175,000 | n/a | 0.1% | |
| Gateway First Bank | $2,155,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $1,370,000 | $2,105,000 | 53.6% | 0.1% |
| FBC MORTGAGE, LLC | $2,100,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $2,070,000 | n/a | 0.1% | |
| PREMIER MEMBERS CREDIT UNION | $1,665,000 | $2,050,000 | 23.1% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $2,665,000 | $2,035,000 | -23.6% | 0.1% |
| Peoples State Bank | $2,025,000 | n/a | 0.1% | |
| Inwood National Bank | $2,005,000 | n/a | 0.1% | |
| Arvest Bank | $730,000 | $1,980,000 | 171.2% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $1,160,000 | $1,955,000 | 68.5% | 0.1% |
| M&T Bank | $1,950,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $3,920,000 | $1,885,000 | -51.9% | 0.1% |
| Arbor Bank | $1,855,000 | n/a | 0.1% | |
| Mabrey Bank | $1,845,000 | n/a | 0.1% | |
| NFM, INC. | $2,135,000 | $1,845,000 | -13.6% | 0.1% |
| Affiliated Bank | $1,805,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $1,805,000 | n/a | 0.1% | |
| NexBank | $1,800,000 | n/a | 0.1% | |
| Network Funding, L.P. | $185,000 | $1,785,000 | 864.9% | 0.1% |
| AIR ACADEMY | $875,000 | $1,775,000 | 102.9% | 0.1% |
| Capitol Federal Savings Bank | $1,715,000 | n/a | 0.1% | |
| First International Bank & Trust | $2,265,000 | $1,685,000 | -25.6% | 0.1% |
| Citadel Servicing Corporation | $2,755,000 | $1,680,000 | -39.0% | 0.1% |
| NEWREZ LLC | $8,500,000 | $1,675,000 | -80.3% | 0.1% |
| Alerus Financial | $1,670,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $7,275,000 | $1,655,000 | -77.3% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $3,530,000 | $1,615,000 | -54.2% | 0.1% |
| Dubuque Bank and Trust Company | $1,605,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $375,000 | $1,570,000 | 318.7% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $2,630,000 | $1,515,000 | -42.4% | 0.1% |
| North Dallas Bank & Trust Co. | $1,505,000 | n/a | 0.1% | |
| Financial Funding Solutions, Inc. | $1,605,000 | $1,485,000 | -7.5% | 0.1% |
| HOME MORTGAGE ALLIANCE, LLC | $1,755,000 | $1,470,000 | -16.2% | 0.1% |
| Pinnacle Bank | $2,740,000 | $1,465,000 | -46.5% | 0.1% |
| AmRes Corporation | $1,445,000 | n/a | 0.1% | |
| COLORADO CREDIT UNION | $585,000 | $1,435,000 | 145.3% | 0.1% |
| North American Savings Bank, F.S.B. | $5,325,000 | $1,370,000 | -74.3% | 0.1% |
| BELLCO | $27,320,000 | $1,350,000 | -95.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $2,700,000 | $1,350,000 | -50.0% | 0.1% |
| GUILD MORTGAGE COMPANY | $5,455,000 | $1,330,000 | -75.6% | 0.1% |
| ALLIANT CREDIT UNION | $1,175,000 | $1,310,000 | 11.5% | 0.1% |
| S1L, Inc. | $3,100,000 | $1,300,000 | -58.1% | 0.1% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $510,000 | $1,270,000 | 149.0% | 0.1% |
| Beeline Loans, Inc. | $1,250,000 | n/a | 0.1% | |
| First Merchants Bank | $325,000 | $1,250,000 | 284.6% | 0.1% |
| LENDSURE MORTGAGE CORP. | $205,000 | $1,250,000 | 509.8% | 0.1% |
| Sooper Credit Union | $1,230,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,685,000 | $1,230,000 | -27.0% | 0.1% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $1,205,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $1,205,000 | n/a | 0.1% | |
| CIBC Bank USA | $5,240,000 | $1,185,000 | -77.4% | 0.1% |
| GROUP MORTGAGE, LLC | $475,000 | $1,180,000 | 148.4% | 0.1% |
| EMBRACE HOME LOANS, INC. | $665,000 | $1,165,000 | 75.2% | 0.1% |
| A&D Mortgage LLC | $1,505,000 | $1,155,000 | -23.3% | 0.1% |
| GFA Federal Credit Union | $1,145,000 | n/a | 0.1% | |
| Discover Bank | $65,000 | $1,125,000 | 1,630.8% | 0.1% |
| Bethpage Federal Credit Union | $1,115,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $880,000 | $1,095,000 | 24.4% | 0.1% |
| UNION HOME MORTGAGE CORP. | $815,000 | $1,080,000 | 32.5% | 0.1% |
| Franklin Loan Corporation | $305,000 | $1,010,000 | 231.1% | 0.1% |
| Pinnacle Bank | $2,740,000 | $1,005,000 | -63.3% | 0.1% |
| RBC Bank, (Georgia) | $1,005,000 | n/a | 0.1% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,005,000 | n/a | 0.1% | |
| Hancock Whitney Bank | $995,000 | n/a | 0.1% | |
| Royal Credit Union | $995,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $2,425,000 | $970,000 | -60.0% | 0.1% |
| Merchants Bank of Indiana | $965,000 | $965,000 | 0.0% | 0.1% |
| The Camden National Bank | $2,040,000 | $965,000 | -52.7% | 0.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $7,280,000 | $920,000 | -87.4% | 0.0% |
| Waterstone Mortgage Corporation | $1,410,000 | $910,000 | -35.5% | 0.0% |
| AMWEST FUNDING CORP. | $895,000 | n/a | 0.0% | |
| Guaranty Bank & Trust, N.A. | $875,000 | n/a | 0.0% | |
| Mutual Federal Bank | $865,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $450,000 | $850,000 | 88.9% | 0.0% |
| First State Bank of St. Charles, Missouri | $2,270,000 | $840,000 | -63.0% | 0.0% |
| VERITAS FUNDING, LLC | $835,000 | n/a | 0.0% | |
| NP, Inc. | $1,210,000 | $825,000 | -31.8% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $405,000 | $815,000 | 101.2% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $605,000 | $815,000 | 34.7% | 0.0% |
| BROKER SOLUTIONS, INC. | $19,765,000 | $755,000 | -96.2% | 0.0% |
| Montgomery Bank | $745,000 | n/a | 0.0% | |
| Northpointe Bank | $3,390,000 | $745,000 | -78.0% | 0.0% |
| The Home Loan Expert LLC | $3,195,000 | $745,000 | -76.7% | 0.0% |
| Lakeside Bank | $725,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $465,000 | $720,000 | 54.8% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,355,000 | $715,000 | -47.2% | 0.0% |
| BAC Florida Bank | $705,000 | n/a | 0.0% | |
| CANVAS CREDIT UNION | $3,610,000 | $705,000 | -80.5% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $695,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $2,345,000 | $685,000 | -70.8% | 0.0% |
| THOMPSON KANE & COMPANY, LLC | $3,060,000 | $685,000 | -77.6% | 0.0% |
| City National Bank | $36,590,000 | $680,000 | -98.1% | 0.0% |
| Fifth Third Bank | $6,895,000 | $670,000 | -90.3% | 0.0% |
| Wyndham Capital Mortgage, Inc. | $1,965,000 | $660,000 | -66.4% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $385,000 | $645,000 | 67.5% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $645,000 | n/a | 0.0% | |
| NBKC BANK | $4,405,000 | $645,000 | -85.4% | 0.0% |
| THE MORTGAGE COMPANY | $5,280,000 | $645,000 | -87.8% | 0.0% |
| WINGS FINANCIAL | $415,000 | $630,000 | 51.8% | 0.0% |
| ON TAP | $910,000 | $625,000 | -31.3% | 0.0% |
| First National Bank of America | $615,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $9,600,000 | $615,000 | -93.6% | 0.0% |
| DHA FINANCIAL, LLC | $205,000 | $605,000 | 195.1% | 0.0% |
| IMPAC MORTGAGE CORP. | $305,000 | $605,000 | 98.4% | 0.0% |
| BNC National Bank | $305,000 | $585,000 | 91.8% | 0.0% |
| Credit Union of Denver | $1,100,000 | $585,000 | -46.8% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $585,000 | n/a | 0.0% | |
| ADVANCIAL | $575,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $790,000 | $575,000 | -27.2% | 0.0% |
| SOFI LENDING CORP. | $1,390,000 | $575,000 | -58.6% | 0.0% |
| Glacier Bank | $1,930,000 | $560,000 | -71.0% | 0.0% |
| Deere Employees Credit Union | $980,000 | $550,000 | -43.9% | 0.0% |
| Prosperity Home Mortgage, LLC | $5,225,000 | $545,000 | -89.6% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $535,000 | n/a | 0.0% | |
| Fortis Private Bank | $525,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $525,000 | n/a | 0.0% | |
| Midwest BankCentre | $3,135,000 | $525,000 | -83.3% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $1,275,000 | $525,000 | -58.8% | 0.0% |
| STANFORD Federal Credit Union | $355,000 | $525,000 | 47.9% | 0.0% |
| M2 Lending Solutions, LLC | $535,000 | $515,000 | -3.7% | 0.0% |
| LOANPAL, LLC | $2,750,000 | $505,000 | -81.6% | 0.0% |
| USAA Federal Savings Bank | $1,205,000 | $505,000 | -58.1% | 0.0% |
| NEXERA HOLDING LLC | $545,000 | $485,000 | -11.0% | 0.0% |
| MOUNTAIN AMERICA | $475,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $1,745,000 | $460,000 | -73.6% | 0.0% |
| GEORGIA'S OWN | $205,000 | $455,000 | 122.0% | 0.0% |
| First Mortgage Solutions, LLC | $2,015,000 | $445,000 | -77.9% | 0.0% |
| The Fidelity Deposit and Discount Bank | $345,000 | $445,000 | 29.0% | 0.0% |
| ON Q FINANCIAL, INC. | $960,000 | $435,000 | -54.7% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $425,000 | n/a | 0.0% | |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $405,000 | n/a | 0.0% | |
| FirstBank | $1,345,000 | $385,000 | -71.4% | 0.0% |
| First Bank & Trust | $1,445,000 | $375,000 | -74.0% | 0.0% |
| CapStar Bank | $365,000 | n/a | 0.0% | |
| Bank of England | $2,445,000 | $355,000 | -85.5% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $355,000 | n/a | 0.0% | |
| Neighborhood National Bank | $335,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $970,000 | $330,000 | -66.0% | 0.0% |
| BECKAM FUNDING CORP. | $325,000 | n/a | 0.0% | |
| UNIVERSAL LENDING CORPORATION | $6,420,000 | $295,000 | -95.4% | 0.0% |
| First National Bank of Omaha | $290,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $325,000 | $285,000 | -12.3% | 0.0% |
| PARSONS Federal Credit Union | $275,000 | n/a | 0.0% | |
| Nations Lending Corporation | $610,000 | $265,000 | -56.6% | 0.0% |
| EVERETT FINANCIAL, INC. | $2,710,000 | $245,000 | -91.0% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| Figure Lending LLC | $95,000 | $200,000 | 110.5% | 0.0% |
| Red Rocks Credit Union | $535,000 | $200,000 | -62.6% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $200,000 | $170,000 | -15.0% | 0.0% |
| Blackhawk Bank | $165,000 | n/a | 0.0% | |
| Baxter Credit Union | $600,000 | $155,000 | -74.2% | 0.0% |
| Southwest Airlines Federal Credit Union | $155,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $170,000 | $145,000 | -14.7% | 0.0% |
| Blue Federal Credit Union | $555,000 | $105,000 | -81.1% | 0.0% |
| DIGITAL Federal Credit Union | $105,000 | n/a | 0.0% | |
| FITZSIMONS FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $2,075,000 | $85,000 | -95.9% | 0.0% |
| Northwest Federal Credit Union | $345,000 | $85,000 | -75.4% | 0.0% |
| USAlliance Federal Credit Union | $85,000 | n/a | 0.0% | |
| Ardent Federal Credit Union | $75,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $265,000 | $75,000 | -71.7% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $880,000 | $65,000 | -92.6% | 0.0% |
| ROCKY MOUNTAIN LAW ENFORCEMENT FCU | $65,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| CREDIT UNION OF THE ROCKIES | $55,000 | n/a | 0.0% |
Edwards's top lender by overall market share is FirstBank, with 15.0% market share. In second place, with 7.7%, is JPMorgan Chase Bank, having originated $147,775,000 in loans. In third place, with 5.7%, is Alpine Bank, having originated $109,070,000 in loans. In fourth place, with 4.9%, is Morgan Stanley Private Bank, having originated $94,405,000 in loans. In fifth place, with 4.3%, is Bank of America, having originated $82,740,000 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 | $849,500 (0.0%) | $1,910,694 (-1.4%) | 0.00 | 910 |
| 2018-02-01 | $885,500 (4.8%) | $1,963,043 (3.1%) | 0.00 | 877 |
| 2018-03-01 | $849,000 (-0.2%) | $1,899,698 (-2.9%) | 0.00 | 939 |
| 2018-04-01 | $824,000 (3.1%) | $1,846,047 (-3.5%) | 0.00 | 922 |
| 2018-05-01 | $788,500 (-6.0%) | $1,726,585 (-7.8%) | 0.00 | 936 |
| 2018-06-01 | $799,000 (-4.0%) | $1,727,814 (-5.8%) | 0.00 | 1,000 |
| 2018-07-01 | $838,750 (-1.2%) | $1,861,148 (-2.1%) | 0.00 | 1,102 |
| 2018-08-01 | $799,500 (-5.8%) | $1,883,796 (-2.6%) | 0.00 | 1,095 |
| 2018-09-01 | $799,000 (-9.1%) | $1,896,464 (-6.1%) | 0.00 | 1,042 |
| 2018-10-01 | $775,750 (-10.5%) | $1,883,272 (-7.5%) | 0.00 | 998 |
| 2018-11-01 | $767,500 (-9.6%) | $1,902,808 (-6.3%) | 0.00 | 976 |
| 2018-12-01 | $799,000 (-7.4%) | $1,991,502 (1.8%) | 0.00 | 983 |
| 2019-01-01 | $823,375 (-3.1%) | $1,982,774 (3.8%) | 0.00 | 981 |
| 2019-02-01 | $868,750 (-1.9%) | $2,002,892 (2.0%) | 0.00 | 976 |
| 2019-03-01 | $849,000 (0.0%) | $1,878,615 (-1.1%) | 0.00 | 963 |
| 2019-04-01 | $751,750 (-8.8%) | $1,814,882 (-1.7%) | 0.00 | 987 |
| 2019-05-01 | $739,250 (-6.3%) | $1,811,658 (4.9%) | 0.00 | 941 |
| 2019-06-01 | $799,500 (0.1%) | $1,815,587 (5.1%) | 0.00 | 1,048 |
| 2019-07-01 | $855,750 (2.0%) | $1,985,679 (6.7%) | 0.00 | 1,124 |
| 2019-08-01 | $849,000 (6.2%) | $2,002,933 (6.3%) | 0.00 | 1,116 |
| 2019-09-01 | $859,500 (7.6%) | $2,052,453 (8.2%) | 0.00 | 1,015 |
| 2019-10-01 | $797,000 (2.7%) | $2,022,719 (7.4%) | 0.00 | 991 |
| 2019-11-01 | $775,000 (1.0%) | $2,015,585 (5.9%) | 0.00 | 968 |
| 2019-12-01 | $920,000 (15.1%) | $2,100,171 (5.5%) | 0.00 | 967 |
| 2020-01-01 | $925,000 (12.3%) | $2,191,100 (10.5%) | 0.00 | 905 |
| 2020-02-01 | $940,000 (8.2%) | $2,223,154 (11.0%) | 0.00 | 884 |
| 2020-03-01 | $934,750 (10.1%) | $2,205,932 (17.4%) | 0.00 | 921 |
| 2020-04-01 | $831,000 (10.5%) | $2,007,452 (10.6%) | 0.00 | 895 |
| 2020-05-01 | $799,000 (8.1%) | $1,899,017 (4.8%) | 0.00 | 890 |
| 2020-06-01 | $895,000 (11.9%) | $1,966,783 (8.3%) | 0.00 | 904 |
| 2020-07-01 | $872,500 (2.0%) | $2,023,121 (1.9%) | 0.00 | 919 |
| 2020-08-01 | $899,000 (5.9%) | $2,251,764 (12.4%) | 0.00 | 893 |
| 2020-09-01 | $940,000 (9.4%) | $2,243,899 (9.3%) | 0.00 | 811 |
| 2020-10-01 | $899,000 (12.8%) | $2,353,423 (16.4%) | 0.00 | 726 |
| 2020-11-01 | $798,000 (3.0%) | $2,455,972 (21.9%) | 0.00 | 690 |
| 2020-12-01 | $827,000 (-10.1%) | $2,556,279 (21.7%) | 0.00 | 649 |
| 2021-01-01 | $729,500 (-21.1%) | $2,681,515 (22.4%) | 0.00 | 608 |
| 2021-02-01 | $669,000 (-28.8%) | $2,793,101 (25.6%) | 0.00 | 579 |
| 2021-03-01 | $720,750 (-22.9%) | $2,751,426 (24.7%) | 0.00 | 562 |
| 2021-04-01 | $633,500 (-23.8%) | $2,704,903 (34.7%) | 0.00 | 539 |
| 2021-05-01 | $625,000 (-21.8%) | $2,614,117 (37.7%) | 0.00 | 477 |
| 2021-06-01 | $766,250 (-14.4%) | $2,654,340 (35.0%) | 0.00 | 500 |
| 2021-07-01 | $874,000 (0.2%) | $2,660,952 (31.5%) | 0.00 | 522 |
| 2021-08-01 | $995,000 (10.7%) | $2,719,250 (20.8%) | 0.00 | 502 |
| 2021-09-01 | $922,000 (-1.9%) | $2,604,148 (16.1%) | 0.00 | 493 |
| 2021-10-01 | $854,500 (-5.0%) | $2,346,893 (-0.3%) | 0.00 | 451 |
| 2021-11-01 | $489,194 (-38.7%) | $2,212,530 (-9.9%) | 0.00 | 408 |
| 2021-12-01 | $364,750 (-55.9%) | $2,314,877 (-9.4%) | 0.00 | 392 |
| 2022-01-01 | $200,000 (-72.6%) | $2,266,089 (-15.5%) | 0.00 | 384 |
| 2022-02-01 | $680,750 (1.8%) | $2,339,794 (-16.2%) | 0.00 | 394 |
| 2022-03-01 | $771,000 (7.0%) | $2,389,648 (-13.2%) | 0.00 | 373 |
| 2022-04-01 | $1,006,520 (58.9%) | $2,252,256 (-16.7%) | 0.00 | 378 |
| 2022-05-01 | $1,112,500 (78.0%) | $2,408,242 (-7.9%) | 0.00 | 383 |
| 2022-06-01 | $1,320,750 (72.4%) | $2,377,986 (-10.4%) | 0.00 | 444 |
| 2022-07-01 | $1,350,000 (54.5%) | $2,507,516 (-5.8%) | 0.00 | 540 |
| 2022-08-01 | $1,298,000 (30.5%) | $2,474,909 (-9.0%) | 0.00 | 534 |
| 2022-09-01 | $1,291,250 (40.1%) | $2,355,013 (-9.6%) | 0.00 | 500 |
| 2022-10-01 | $1,299,000 (52.0%) | $2,352,429 (0.2%) | 0.00 | 498 |
| 2022-11-01 | $1,290,000 (163.7%) | $2,486,213 (12.4%) | 0.00 | 480 |
| 2022-12-01 | $1,250,000 (242.7%) | $2,580,825 (11.5%) | 0.00 | 486 |
| 2023-01-01 | $1,205,500 (502.8%) | $2,606,478 (15.0%) | 0.00 | 473 |
| 2023-02-01 | $1,212,000 (78.0%) | $2,662,477 (13.8%) | 0.00 | 464 |
| 2023-03-01 | $1,326,000 (72.0%) | $2,750,287 (15.1%) | 0.00 | 481 |
| 2023-04-01 | $1,395,000 (38.6%) | $2,805,980 (24.6%) | 0.00 | 473 |
Edwards's median listing price for 2023-04-01 was $1,395,000, a difference of
$388,480
(38.6%) versus the prior year and
$69,000 versus the prior month.
Edwards's median listing price comes in at 0% of the national average.
Edwards's average listing price for 2023-04-01 was $2,805,980, a difference of $553,724 (24.6%) versus the prior year and $55,693 versus the prior month.
For the 2023-04-01 period, Edwards had 473 MLS listings, a difference of -8 listings (-2%) versus the prior month and 95 listings (25%) versus the prior year.
Edwards's median listing price comes in at 0% of the national average.
Edwards's average listing price for 2023-04-01 was $2,805,980, a difference of $553,724 (24.6%) versus the prior year and $55,693 versus the prior month.
For the 2023-04-01 period, Edwards had 473 MLS listings, a difference of -8 listings (-2%) versus the prior month and 95 listings (25%) 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 | 1,882 sqft |
| 2018-02-01 | 0 days | 1,905 sqft |
| 2018-03-01 | 0 days | 1,900 sqft |
| 2018-04-01 | 0 days | 1,843 sqft |
| 2018-05-01 | 0 days | 1,837 sqft |
| 2018-06-01 | 0 days | 1,843 sqft |
| 2018-07-01 | 0 days | 1,893 sqft |
| 2018-08-01 | 0 days | 1,874 sqft |
| 2018-09-01 | 0 days | 1,825 sqft |
| 2018-10-01 | 0 days | 1,809 sqft |
| 2018-11-01 | 0 days | 1,805 sqft |
| 2018-12-01 | 0 days | 1,809 sqft |
| 2019-01-01 | 0 days | 1,818 sqft |
| 2019-02-01 | 0 days | 1,828 sqft |
| 2019-03-01 | 0 days | 1,823 sqft |
| 2019-04-01 | 0 days | 1,800 sqft |
| 2019-05-01 | 0 days | 1,826 sqft |
| 2019-06-01 | 0 days | 1,847 sqft |
| 2019-07-01 | 0 days | 1,894 sqft |
| 2019-08-01 | 0 days | 1,890 sqft |
| 2019-09-01 | 0 days | 1,905 sqft |
| 2019-10-01 | 0 days | 1,884 sqft |
| 2019-11-01 | 0 days | 1,861 sqft |
| 2019-12-01 | 0 days | 1,813 sqft |
| 2020-01-01 | 0 days | 1,803 sqft |
| 2020-02-01 | 0 days | 1,846 sqft |
| 2020-03-01 | 0 days | 1,810 sqft |
| 2020-04-01 | 0 days | 1,749 sqft |
| 2020-05-01 | 0 days | 1,787 sqft |
| 2020-06-01 | 0 days | 1,800 sqft |
| 2020-07-01 | 0 days | 1,800 sqft |
| 2020-08-01 | 0 days | 1,737 sqft |
| 2020-09-01 | 0 days | 1,703 sqft |
| 2020-10-01 | 0 days | 1,705 sqft |
| 2020-11-01 | 0 days | 1,688 sqft |
| 2020-12-01 | 0 days | 1,691 sqft |
| 2021-01-01 | 0 days | 1,698 sqft |
| 2021-02-01 | 0 days | 1,726 sqft |
| 2021-03-01 | 0 days | 1,733 sqft |
| 2021-04-01 | 0 days | 1,783 sqft |
| 2021-05-01 | 0 days | 1,800 sqft |
| 2021-06-01 | 0 days | 1,815 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 | 1,853 sqft |
| 2021-11-01 | 0 days | 1,735 sqft |
| 2021-12-01 | 0 days | 1,683 sqft |
| 2022-01-01 | 0 days | 1,600 sqft |
| 2022-02-01 | 0 days | 1,626 sqft |
| 2022-03-01 | 0 days | 1,649 sqft |
| 2022-04-01 | 0 days | 1,646 sqft |
| 2022-05-01 | 0 days | 1,707 sqft |
| 2022-06-01 | 0 days | 1,802 sqft |
| 2022-07-01 | 0 days | 1,878 sqft |
| 2022-08-01 | 0 days | 1,835 sqft |
| 2022-09-01 | 0 days | 1,800 sqft |
| 2022-10-01 | 0 days | 1,824 sqft |
| 2022-11-01 | 0 days | 1,794 sqft |
| 2022-12-01 | 0 days | 1,775 sqft |
| 2023-01-01 | 0 days | 1,780 sqft |
| 2023-02-01 | 0 days | 1,776 sqft |
| 2023-03-01 | 0 days | 1,787 sqft |
| 2023-04-01 | 0 days | 1,780 sqft |
Edwards's median listing age (time on market) for 2023-04-01 was 0 days.
Edwards's median square footage for active listings during the 2023-04-01 period was 1,780 sqft. One year prior, the average listing was 1,646 sqft.
Edwards's median square footage for active listings during the 2023-04-01 period was 1,780 sqft. One year prior, the average listing was 1,646 sqft.
Edwards, CO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 933 | $959,295,000 | $1,028,183 |
| Refi | 381 | $344,645,000 | $904,580 |
| Other | 283 | $327,615,000 | $1,157,650 |
| Cash Out Refi | 281 | $229,175,000 | $815,569 |
| Home Improvement | 257 | $68,515,000 | $266,595 |
Edwards's most frequently cited loan purpose was Home Purchase, with 933 originations. The 2nd most popular reason was Refi, with 381 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 639 | $563,175,000 | $881,338 |
| 4-5% | 537 | $478,615,000 | $891,276 |
| 5-6% | 342 | $244,960,000 | $716,257 |
| 2.5-3% | 214 | $308,450,000 | $1,441,355 |
| 6-7% | 173 | $89,295,000 | $516,156 |
| <2.5% | 123 | $198,275,000 | $1,611,992 |
| 7-8% | 53 | $18,585,000 | $350,660 |
| Over 8% | 34 | $9,810,000 | $288,529 |
During 2022, Edwards's most frequently originated rate bucket was 3-4%, with 639 originations.
Loan Sizing (Edwards, CO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $Over $1MM | 501 | $1,239,895,000 | $2,474,840 |
| $400k-600k | 431 | $209,885,000 | $486,972 |
| $600k-1000k | 426 | $322,920,000 | $758,028 |
| $200k-400k | 398 | $117,900,000 | $296,231 |
| $100k-200k | 206 | $28,330,000 | $137,524 |
| $100,000 or less | 173 | $10,315,000 | $59,624 |
Edwards's loan sizing saw the bucket of loans from $Over $1MM with 501 originations, totaling $1,239,895,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 656 | $904,840,000 | $1,379,329 |
| Under 20% | 416 | $71,800,000 | $172,596 |
| 40-60% | 376 | $446,120,000 | $1,186,489 |
| 20-40% | 370 | $217,900,000 | $588,919 |
| 80-100% | 290 | $266,180,000 | $917,862 |
| Over 100% | 3 | $2,955,000 | $985,000 |
Edwards's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 656 originations, totaling $904,840,000 in origination value.