PUEBLO Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Pueblo averaged
5.23%
for the week of 2022-08-04, compared to the national average of
4.99% for the same period.
The average rate for the prior week (2022-07-28) was
5.34% and
one month ago for the week of 2022-06-30, the
average rate was 6.04%.
Pueblo's average rate one year ago was 3.04%.
For refis of the same type during the week of 2022-08-04, the average rate
was 4.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-08-04 | 4.99% |
| Pueblo 30 Year Fixed Rate | 2022-08-04 | 5.23% |
| Pueblo 30 Year Fixed Rate Refi | 2022-08-04 | 4.91% |
| Pueblo 15 Year Fixed Rate | 2022-08-04 | 4.84% |
| Pueblo 15 Year Fixed Rate Refi | 2022-08-04 | 4.36% |
| Pueblo 30 Year FHA | 2022-08-04 | 5.47% |
| Pueblo 30 Year FHA Refi | 2022-08-04 | 5.16% |
| Pueblo 30 Year USDA | 2022-08-04 | 5.14% |
| Pueblo 30 Year VA | 2022-08-04 | 5.1% |
| Pueblo 30 Year VA Refi | 2022-08-04 | 5.1% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within PUEBLO, CO.
PUEBLO 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 PUEBLO, 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.).
PUEBLO, CO's 233 lenders originated 10,047
loans during 2021. The total origination value was $2,096,805,000, with an average loan value of
$208,700.
The top PUEBLO lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
478 loans originated. Their average total fees are
$3,928, which is $1,229
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee PUEBLO lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($1,065), Zions Bancorporation, N.A. ($1,844), SECURITY SERVICE ($2,478), BETTER MORTGAGE CORPORATION ($2,629) and First Western Trust Bank ($2,695).
The lowest rate PUEBLO lenders (with over 10 loans originated) are
BETTER MORTGAGE CORPORATION (2.85%), PREMIER MORTGAGE SERVICES, INC. (2.91%), Ent Credit Union (3.00%), AMERISAVE MORTGAGE CORPORATION (3.04%) and UNITED WHOLESALE MORTGAGE, LLC (3.04%).
PUEBLO, 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| Ent Credit Union | $151,650,000 | $217,300,000 | 43.3% | 10.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $135,910,000 | $205,240,000 | 51.0% | 9.8% |
| QUICKEN LOANS, LLC | $150,465,000 | $172,175,000 | 14.4% | 8.2% |
| LOANDEPOT.COM, LLC | $46,125,000 | $75,510,000 | 63.7% | 3.6% |
| FREEDOM MORTGAGE CORPORATION | $66,010,000 | $63,095,000 | -4.4% | 3.0% |
| PREMIER MORTGAGE SERVICES, INC. | $68,575,000 | $60,825,000 | -11.3% | 2.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $36,005,000 | $53,375,000 | 48.2% | 2.5% |
| UNIVERSAL LENDING CORPORATION | $78,550,000 | $45,785,000 | -41.7% | 2.2% |
| U.S. Bank | $34,580,000 | $44,825,000 | 29.6% | 2.1% |
| THRIVE MORTGAGE, LLC | $44,450,000 | n/a | 2.1% | |
| Wells Fargo Bank | $22,305,000 | $43,280,000 | 94.0% | 2.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $109,380,000 | $41,505,000 | -62.1% | 2.0% |
| SECURITY SERVICE | $27,975,000 | $33,800,000 | 20.8% | 1.6% |
| Mortgage Research Center, LLC | $31,720,000 | $32,225,000 | 1.6% | 1.5% |
| BROKER SOLUTIONS, INC. | $26,685,000 | $30,660,000 | 14.9% | 1.5% |
| CALIBER HOME LOANS, INC. | $23,425,000 | $28,520,000 | 21.8% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $14,455,000 | $26,230,000 | 81.5% | 1.3% |
| FINANCE OF AMERICA MORTGAGE LLC | $24,390,000 | $25,475,000 | 4.4% | 1.2% |
| HOME POINT FINANCIAL CORPORATION | $24,130,000 | $25,405,000 | 5.3% | 1.2% |
| GUARANTEED RATE, INC. | $7,780,000 | $23,950,000 | 207.8% | 1.1% |
| ACADEMY MORTGAGE CORPORATION | $25,770,000 | $23,690,000 | -8.1% | 1.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $20,365,000 | $22,665,000 | 11.3% | 1.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $14,675,000 | $22,165,000 | 51.0% | 1.1% |
| Midwest Mortgage Associates Corporation | $23,475,000 | $20,750,000 | -11.6% | 1.0% |
| AMERISAVE MORTGAGE CORPORATION | $10,560,000 | $19,160,000 | 81.4% | 0.9% |
| AMERICAN FINANCING CORPORATION | $12,595,000 | $18,820,000 | 49.4% | 0.9% |
| Northpointe Bank | $16,935,000 | $17,660,000 | 4.3% | 0.8% |
| NEWREZ LLC | $9,620,000 | $16,355,000 | 70.0% | 0.8% |
| Zions Bancorporation, N.A. | $11,070,000 | $16,055,000 | 45.0% | 0.8% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $13,045,000 | $15,495,000 | 18.8% | 0.7% |
| LOANPAL, LLC | $12,090,000 | $14,365,000 | 18.8% | 0.7% |
| NBH Bank | $13,925,000 | $14,315,000 | 2.8% | 0.7% |
| NP, Inc. | $3,150,000 | $12,845,000 | 307.8% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $4,925,000 | $11,730,000 | 138.2% | 0.6% |
| CORNERSTONE HOME LENDING, INC. | $12,340,000 | $11,555,000 | -6.4% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $6,175,000 | $11,460,000 | 85.6% | 0.5% |
| SunWest Credit Union | $9,800,000 | $11,345,000 | 15.8% | 0.5% |
| S1L, Inc. | $545,000 | $10,735,000 | 1,869.7% | 0.5% |
| Financial Funding Solutions, Inc. | $5,705,000 | $10,495,000 | 84.0% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $9,275,000 | $10,240,000 | 10.4% | 0.5% |
| JPMorgan Chase Bank | $5,640,000 | $10,205,000 | 80.9% | 0.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $9,840,000 | $9,865,000 | 0.3% | 0.5% |
| GUILD MORTGAGE COMPANY | $10,665,000 | $9,825,000 | -7.9% | 0.5% |
| Glacier Bank | $7,905,000 | $9,810,000 | 24.1% | 0.5% |
| PRUDENTIAL MULTIFAMILY MORTGAGE, LLC | $9,295,000 | n/a | 0.4% | |
| BAY EQUITY LLC | $6,750,000 | $9,205,000 | 36.4% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,770,000 | $9,130,000 | 58.2% | 0.4% |
| BETTER MORTGAGE CORPORATION | $2,510,000 | $8,495,000 | 238.4% | 0.4% |
| CHERRY CREEK MORTGAGE, LLC | $7,950,000 | $8,415,000 | 5.8% | 0.4% |
| Carrington Mortgage Services, LLC | $6,400,000 | $8,275,000 | 29.3% | 0.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | $8,150,000 | $8,040,000 | -1.3% | 0.4% |
| USAA Federal Savings Bank | $11,945,000 | $7,880,000 | -34.0% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $6,000,000 | $7,775,000 | 29.6% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $1,850,000 | $7,240,000 | 291.4% | 0.3% |
| Flagstar Bank, FSB | $3,335,000 | $7,015,000 | 110.3% | 0.3% |
| Loan Simple, Inc. | $4,790,000 | $7,015,000 | 46.5% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $6,720,000 | $6,930,000 | 3.1% | 0.3% |
| DRAPER AND KRAMER MORTGAGE CORP. | $2,460,000 | $6,460,000 | 162.6% | 0.3% |
| NEW DAY FINANCIAL, LLC | $4,900,000 | $6,310,000 | 28.8% | 0.3% |
| CLEARPATH LENDING | $9,945,000 | $6,145,000 | -38.2% | 0.3% |
| FirstBank | $525,000 | $6,130,000 | 1,067.6% | 0.3% |
| CANVAS CREDIT UNION | $1,555,000 | $6,055,000 | 289.4% | 0.3% |
| Sunflower Bank | $8,090,000 | $5,615,000 | -30.6% | 0.3% |
| The Federal Savings Bank | $5,105,000 | $5,490,000 | 7.5% | 0.3% |
| Bank of England | $5,435,000 | $5,470,000 | 0.6% | 0.3% |
| PLANET HOME LENDING, LLC | $6,240,000 | $5,340,000 | -14.4% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $3,625,000 | $5,145,000 | 41.9% | 0.2% |
| THE MORTGAGE COMPANY | $2,180,000 | $5,140,000 | 135.8% | 0.2% |
| BELLCO | $12,750,000 | $5,125,000 | -59.8% | 0.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | $4,840,000 | n/a | 0.2% | |
| PNC Bank | $4,580,000 | n/a | 0.2% | |
| PREMIER MEMBERS CREDIT UNION | $1,545,000 | $4,420,000 | 186.1% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $4,445,000 | $4,245,000 | -4.5% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,585,000 | $4,235,000 | 18.1% | 0.2% |
| The Central Trust Bank | $3,185,000 | $4,195,000 | 31.7% | 0.2% |
| FirstOak Bank | $2,530,000 | $3,695,000 | 46.0% | 0.2% |
| InterContinental Capital Group, Inc | $4,170,000 | $3,580,000 | -14.1% | 0.2% |
| Trinity Oaks Mortgage, LLC | $2,355,000 | $3,565,000 | 51.4% | 0.2% |
| INTEGRITY MORTGAGE & FINANCIAL INCORPORATED | $6,025,000 | $3,555,000 | -41.0% | 0.2% |
| Farmers & Stockmens Bank | $4,095,000 | $3,525,000 | -13.9% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,860,000 | $3,500,000 | 88.2% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $6,050,000 | $3,470,000 | -42.6% | 0.2% |
| NFM, INC. | $335,000 | $3,445,000 | 928.4% | 0.2% |
| KELLER MORTGAGE, LLC | $4,610,000 | $3,440,000 | -25.4% | 0.2% |
| Commerce Home Mortgage, Inc. | $960,000 | $3,420,000 | 256.3% | 0.2% |
| BERKELEY POINT CAPITAL LLC | $3,275,000 | n/a | 0.2% | |
| Elevations Credit Union | $3,255,000 | n/a | 0.2% | |
| CASTLE & COOKE MORTGAGE, LLC | $955,000 | $3,160,000 | 230.9% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $2,655,000 | $3,145,000 | 18.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,200,000 | $3,130,000 | 160.8% | 0.1% |
| WESTERRA CREDIT UNION | $395,000 | $3,045,000 | 670.9% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,640,000 | $3,010,000 | 83.5% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $3,850,000 | $2,975,000 | -22.7% | 0.1% |
| First Guaranty Mortgage Corporation | $1,125,000 | $2,970,000 | 164.0% | 0.1% |
| PHH Mortgage Corporation | $1,920,000 | $2,930,000 | 52.6% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $3,145,000 | $2,890,000 | -8.1% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $685,000 | $2,840,000 | 314.6% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $2,990,000 | $2,830,000 | -5.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $980,000 | $2,750,000 | 180.6% | 0.1% |
| First Western Trust Bank | $2,010,000 | $2,735,000 | 36.1% | 0.1% |
| WALKER & DUNLOP, LLC | $9,205,000 | $2,705,000 | -70.6% | 0.1% |
| LENDINGONE, LLC | $105,000 | $2,680,000 | 2,452.4% | 0.1% |
| ON Q FINANCIAL, INC. | $32,120,000 | $2,600,000 | -91.9% | 0.1% |
| AMERICAN ADVISORS GROUP | $2,615,000 | $2,585,000 | -1.1% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $2,585,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,580,000 | $2,585,000 | 63.6% | 0.1% |
| Hometown Lenders, Inc. | $85,000 | $2,480,000 | 2,817.6% | 0.1% |
| Plains Commerce Bank | $2,360,000 | $2,475,000 | 4.9% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,885,000 | $2,405,000 | 27.6% | 0.1% |
| MANN FINANCIAL INC. | $1,585,000 | $2,395,000 | 51.1% | 0.1% |
| V.I.P. MORTGAGE, INC. | $780,000 | $2,385,000 | 205.8% | 0.1% |
| Lakeview Community Capital, LLC | $2,820,000 | $2,375,000 | -15.8% | 0.1% |
| UNION HOME MORTGAGE CORP. | $2,315,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $745,000 | $2,260,000 | 203.4% | 0.1% |
| AVENTA Credit Union | $3,145,000 | $2,230,000 | -29.1% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $555,000 | $2,210,000 | 298.2% | 0.1% |
| Nations Lending Corporation | $2,505,000 | $2,190,000 | -12.6% | 0.1% |
| ALTRA | $1,090,000 | $2,120,000 | 94.5% | 0.1% |
| KeyBank | $660,000 | $2,080,000 | 215.2% | 0.1% |
| HUNT MORTGAGE CORPORATION | $1,180,000 | $2,045,000 | 73.3% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $1,390,000 | $2,045,000 | 47.1% | 0.1% |
| CENTENNIAL LENDING, LLC | $1,110,000 | $2,020,000 | 82.0% | 0.1% |
| Amerifirst Financial, Inc. | $760,000 | $1,975,000 | 159.9% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $740,000 | $1,960,000 | 164.9% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $1,140,000 | $1,940,000 | 70.2% | 0.1% |
| Bank of America | $2,055,000 | $1,865,000 | -9.2% | 0.1% |
| STEARNS LENDING, LLC | $2,310,000 | $1,855,000 | -19.7% | 0.1% |
| Independent Bank | $1,235,000 | $1,840,000 | 49.0% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $2,420,000 | $1,830,000 | -24.4% | 0.1% |
| The Huntington National Bank | $1,085,000 | $1,820,000 | 67.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $445,000 | $1,800,000 | 304.5% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $935,000 | $1,780,000 | 90.4% | 0.1% |
| T2 FINANCIAL LLC | $1,770,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,155,000 | $1,705,000 | 47.6% | 0.1% |
| UBS Bank USA | $1,705,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $535,000 | $1,500,000 | 180.4% | 0.1% |
| First Federal Bank | $755,000 | $1,485,000 | 96.7% | 0.1% |
| DAS Acquisition Company, LLC | $1,480,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $1,170,000 | $1,385,000 | 18.4% | 0.1% |
| Magnolia Bank | $1,055,000 | $1,375,000 | 30.3% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $355,000 | $1,350,000 | 280.3% | 0.1% |
| AMCAP MORTGAGE, LTD. | $575,000 | $1,330,000 | 131.3% | 0.1% |
| Bank of the West | $1,170,000 | $1,310,000 | 12.0% | 0.1% |
| DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION | $340,000 | $1,305,000 | 283.8% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,520,000 | $1,295,000 | -14.8% | 0.1% |
| Great Western Bank | $1,225,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $1,205,000 | n/a | 0.1% | |
| BOKF | $1,745,000 | $1,190,000 | -31.8% | 0.1% |
| PREMIA MORTGAGE, LLC | $1,185,000 | n/a | 0.1% | |
| TCF National Bank | $325,000 | $1,170,000 | 260.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $515,000 | $1,140,000 | 121.4% | 0.1% |
| Low VA Rates, LLC | $700,000 | $1,115,000 | 59.3% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,535,000 | $1,110,000 | -27.7% | 0.1% |
| Manufacturers and Traders Trust Company | $65,000 | $1,090,000 | 1,576.9% | 0.1% |
| EMBRACE HOME LOANS, INC. | $1,255,000 | $1,070,000 | -14.7% | 0.1% |
| Chicago Mortgage Solutions LLC | $1,155,000 | $1,045,000 | -9.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $125,000 | $1,035,000 | 728.0% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $1,035,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $1,130,000 | $985,000 | -12.8% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $685,000 | $975,000 | 42.3% | 0.0% |
| Gateway First Bank | $1,560,000 | $930,000 | -40.4% | 0.0% |
| BNC National Bank | $2,025,000 | $925,000 | -54.3% | 0.0% |
| Equity Prime Mortgage LLC | $490,000 | $920,000 | 87.8% | 0.0% |
| CMG MORTGAGE, INC. | $3,970,000 | $905,000 | -77.2% | 0.0% |
| Citizens Bank | $420,000 | $885,000 | 110.7% | 0.0% |
| North American Savings Bank, F.S.B. | $1,865,000 | $865,000 | -53.6% | 0.0% |
| MICHIGAN MUTUAL, INC. | $370,000 | $855,000 | 131.1% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $435,000 | $850,000 | 95.4% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $1,710,000 | $840,000 | -50.9% | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $840,000 | n/a | 0.0% | |
| AIR ACADEMY | $1,170,000 | $830,000 | -29.1% | 0.0% |
| J. VIRGIL, INC. | $390,000 | $810,000 | 107.7% | 0.0% |
| LENDSURE MORTGAGE CORP. | $785,000 | n/a | 0.0% | |
| MEGASTAR FINANCIAL CORP. | $755,000 | $765,000 | 1.3% | 0.0% |
| JLB CORPORATION | $690,000 | $750,000 | 8.7% | 0.0% |
| Mid-Continent Funding, Inc. | $820,000 | $735,000 | -10.4% | 0.0% |
| NBKC BANK | $425,000 | $735,000 | 72.9% | 0.0% |
| Discover Bank | $695,000 | $720,000 | 3.6% | 0.0% |
| INTERCOASTAL MORTGAGE COMPANY | $720,000 | n/a | 0.0% | |
| CRESCENT MORTGAGE COMPANY | $965,000 | $695,000 | -28.0% | 0.0% |
| ANGEL OAK HOME LOANS LLC | $690,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $685,000 | $660,000 | -3.6% | 0.0% |
| Arvest Bank | $655,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $630,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $620,000 | $625,000 | 0.8% | 0.0% |
| Fifth Third Bank | $310,000 | $615,000 | 98.4% | 0.0% |
| Truist Bank | $1,895,000 | $610,000 | -67.8% | 0.0% |
| Ally Bank | $240,000 | $600,000 | 150.0% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $115,000 | $600,000 | 421.7% | 0.0% |
| TIAA, FSB | $850,000 | $595,000 | -30.0% | 0.0% |
| INTERCAP LENDING INC. | $980,000 | $585,000 | -40.3% | 0.0% |
| Mortgage Investment Services Corporation | $1,215,000 | $585,000 | -51.9% | 0.0% |
| Ameris Bank | $580,000 | n/a | 0.0% | |
| Credence Funding Corporation | $580,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $55,000 | $565,000 | 927.3% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $920,000 | $560,000 | -39.1% | 0.0% |
| Citadel Servicing Corporation | $555,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $555,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $550,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $550,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $550,000 | n/a | 0.0% | |
| HOME MORTGAGE ALLIANCE, LLC | $265,000 | $545,000 | 105.7% | 0.0% |
| INFINITY MORTGAGE HOLDINGS, LLC | $280,000 | $540,000 | 92.9% | 0.0% |
| Summit Mortgage Corporation | $225,000 | $540,000 | 140.0% | 0.0% |
| Franklin Loan Corporation | $530,000 | n/a | 0.0% | |
| SOFI LENDING CORP. | $525,000 | n/a | 0.0% | |
| First Midwest Bank | $1,470,000 | $515,000 | -65.0% | 0.0% |
| UMB Bank | $720,000 | $515,000 | -28.5% | 0.0% |
| AMERICAN FIRST | $510,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $510,000 | n/a | 0.0% | |
| Assurance Financial Group, L.L.C. | $510,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $265,000 | $500,000 | 88.7% | 0.0% |
| FOOTHILLS | $490,000 | n/a | 0.0% | |
| First Home Bank | $865,000 | $485,000 | -43.9% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $480,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,835,000 | $480,000 | -73.8% | 0.0% |
| UNITED SECURITY FINANCIAL CORP | $225,000 | $480,000 | 113.3% | 0.0% |
| RESIDENTIAL HOME FUNDING CORP. | $465,000 | n/a | 0.0% | |
| Figure Lending LLC | $465,000 | $460,000 | -1.1% | 0.0% |
| Commerce Bank | $1,305,000 | $455,000 | -65.1% | 0.0% |
| GSF Mortgage Corporation | $455,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $460,000 | $445,000 | -3.3% | 0.0% |
| Bank of Colorado | $1,325,000 | $445,000 | -66.4% | 0.0% |
| Meridian Bank Corporation | $275,000 | $435,000 | 58.2% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $850,000 | $430,000 | -49.4% | 0.0% |
| POWER | $515,000 | $430,000 | -16.5% | 0.0% |
| ALLIANT CREDIT UNION | $710,000 | $425,000 | -40.1% | 0.0% |
| SPRING EQ, LLC | $960,000 | $420,000 | -56.3% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,500,000 | $410,000 | -72.7% | 0.0% |
| DIRECT MORTGAGE, CORP. | $410,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $410,000 | n/a | 0.0% | |
| CERTAINTY HOME LOANS, LLC | $205,000 | $405,000 | 97.6% | 0.0% |
| KS StateBank | $885,000 | $405,000 | -54.2% | 0.0% |
| The Loan Store, Inc. | $405,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $390,000 | n/a | 0.0% | |
| Visio Financial Services Inc. | $390,000 | n/a | 0.0% | |
| First National Bank of America | $385,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP. | $380,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $375,000 | n/a | 0.0% | |
| PIKE CREEK MORTGAGE SERVICES, INC. | $375,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $795,000 | $375,000 | -52.8% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $420,000 | $370,000 | -11.9% | 0.0% |
| ML Mortgage Corp. | $365,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $430,000 | $360,000 | -16.3% | 0.0% |
| UNITED MORTGAGE CORP. | $1,625,000 | $360,000 | -77.8% | 0.0% |
| Merchants Bank | $355,000 | n/a | 0.0% | |
| DIRECT MORTGAGE LOANS, LLC | $350,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $3,235,000 | $350,000 | -89.2% | 0.0% |
| First National Bank of Omaha | $860,000 | $350,000 | -59.3% | 0.0% |
| TOWNE MORTGAGE COMPANY | $350,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $335,000 | n/a | 0.0% | |
| PARKSIDE LENDING, LLC | $330,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $325,000 | n/a | 0.0% | |
| ROCKY MOUNTAIN LAW ENFORCEMENT FCU | $310,000 | n/a | 0.0% | |
| EASTMAN | $295,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $375,000 | $295,000 | -21.3% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $295,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $480,000 | $290,000 | -39.6% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $285,000 | n/a | 0.0% | |
| Peoples Bank | $285,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $285,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,045,000 | $280,000 | -73.2% | 0.0% |
| WINNPOINTE CORPORATION | $1,085,000 | $280,000 | -74.2% | 0.0% |
| Armed Forces Bank | $1,140,000 | $275,000 | -75.9% | 0.0% |
| First Mortgage Solutions, LLC | $255,000 | $275,000 | 7.8% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $265,000 | $275,000 | 3.8% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $245,000 | $275,000 | 12.2% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $330,000 | $270,000 | -18.2% | 0.0% |
| ALL WESTERN MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $265,000 | n/a | 0.0% | |
| M2 Lending Solutions, LLC | $750,000 | $255,000 | -66.0% | 0.0% |
| Network Funding, L.P. | $610,000 | $255,000 | -58.2% | 0.0% |
| Prosperity Home Mortgage, LLC | $455,000 | $255,000 | -44.0% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $255,000 | n/a | 0.0% | |
| Willamette Valley Bank | $250,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $245,000 | n/a | 0.0% | |
| CHAMPIONS MORTGAGE LLC | $245,000 | n/a | 0.0% | |
| GROUP MORTGAGE, LLC | $500,000 | $240,000 | -52.0% | 0.0% |
| Prime Choice Funding Inc. | $2,785,000 | $225,000 | -91.9% | 0.0% |
| RANLIFE, INC. | $390,000 | $225,000 | -42.3% | 0.0% |
| VERITAS FUNDING, LLC | $225,000 | n/a | 0.0% | |
| Herring Bank | $490,000 | $215,000 | -56.1% | 0.0% |
| Quontic Bank | $215,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $250,000 | $215,000 | -14.0% | 0.0% |
| UNITED | $215,000 | n/a | 0.0% | |
| Princeton Mortgage Corporation | $210,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $205,000 | n/a | 0.0% | |
| Florida Capital Bank | $265,000 | $205,000 | -22.6% | 0.0% |
| LENDERFI, INC. | $225,000 | $205,000 | -8.9% | 0.0% |
| Premier Bank | $205,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $985,000 | $205,000 | -79.2% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $675,000 | $200,000 | -70.4% | 0.0% |
| Strong Home Mortgage, LLC | $480,000 | $195,000 | -59.4% | 0.0% |
| MORIA DEVELOPMENT, INC. | $175,000 | $190,000 | 8.6% | 0.0% |
| BECKAM FUNDING CORP. | $185,000 | n/a | 0.0% | |
| EMM LOANS LLC | $895,000 | $185,000 | -79.3% | 0.0% |
| LADERA LENDING, INC. | $340,000 | $185,000 | -45.6% | 0.0% |
| Secured Investment Corp. | $185,000 | n/a | 0.0% | |
| 1ST FINANCIAL, INC. | $175,000 | n/a | 0.0% | |
| FineMark National Bank & Trust | $175,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $170,000 | n/a | 0.0% | |
| AMERICAN HERITAGE FCU | $165,000 | n/a | 0.0% | |
| Origin Bank | $155,000 | $165,000 | 6.5% | 0.0% |
| Watermark Capital, Inc. | $165,000 | n/a | 0.0% | |
| ARC HOME LLC | $1,190,000 | $160,000 | -86.6% | 0.0% |
| ACOPIA, LLC | $155,000 | n/a | 0.0% | |
| DHA FINANCIAL, LLC | $155,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $740,000 | $145,000 | -80.4% | 0.0% |
| TBK BANK, SSB | $875,000 | $145,000 | -83.4% | 0.0% |
| MOUNTAIN AMERICA | $980,000 | $140,000 | -85.7% | 0.0% |
| BMO Harris Bank | $245,000 | $135,000 | -44.9% | 0.0% |
| NexBank | $620,000 | $135,000 | -78.2% | 0.0% |
| The Northern Trust Company | $135,000 | n/a | 0.0% | |
| Citibank | $1,010,000 | $125,000 | -87.6% | 0.0% |
| IMPAC MORTGAGE CORP. | $125,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $115,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $115,000 | n/a | 0.0% | |
| HighTechLending Inc | $215,000 | $105,000 | -51.2% | 0.0% |
| Home Mortgage Alliance Corp | $105,000 | n/a | 0.0% | |
| MERITRUST Federal Credit Union | $105,000 | n/a | 0.0% | |
| OCMBC, INC. | $105,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $95,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $85,000 | n/a | 0.0% | |
| NUMARK CREDIT UNION | $60,000 | $85,000 | 41.7% | 0.0% |
| Credit Union of Denver | $95,000 | $65,000 | -31.6% | 0.0% |
| Red Rocks Credit Union | $15,000 | $65,000 | 333.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| INOVA FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% |
PUEBLO's top lender by overall market share is Ent Credit Union, with 10.4% market share. In second place, with 9.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $205,240,000 in loans. In third place, with 8.2%, is QUICKEN LOANS, LLC, having originated $172,175,000 in loans. In third place, with 3.6%, is LOANDEPOT.COM, LLC, having originated $75,510,000 in loans. In third place, with 3.0%, is FREEDOM MORTGAGE CORPORATION, having originated $63,095,000 in loans.
PUEBLO, CO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,481 | $883,675,000 | $253,857 |
| Refi | 3,101 | $608,585,000 | $196,254 |
| Cash Out Refi | 2,605 | $527,785,000 | $202,605 |
| Other | 559 | $52,335,000 | $93,623 |
| Home Improvement | 301 | $24,425,000 | $81,146 |
Pueblo's most frequently cited loan purpose was Home Purchase, with 3,481 originations. The 2nd most popular reason was Refi, with 3,101 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 3,732 | $829,740,000 | $222,331 |
| 3-4% | 3,575 | $762,325,000 | $213,238 |
| <2.5% | 1,978 | $416,590,000 | $210,612 |
| 4-5% | 371 | $51,775,000 | $139,555 |
| 5-6% | 151 | $12,695,000 | $84,073 |
| 6-7% | 91 | $6,555,000 | $72,033 |
| Over 8% | 47 | $5,785,000 | $123,085 |
| 7-8% | 11 | $1,455,000 | $132,273 |
During 2021, Pueblo's most frequently originated rate bucket was 2.5-3%, with 3,732 originations.
Loan Sizing (PUEBLO, CO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 4,353 | $1,199,715,000 | $275,606 |
| $100k-200k | 3,585 | $544,005,000 | $151,745 |
| $100,000 or less | 1,648 | $90,120,000 | $54,684 |
| $400k-600k | 411 | $186,455,000 | $453,662 |
| $600k-1000k | 36 | $25,550,000 | $709,722 |
| $Over $1MM | 14 | $50,960,000 | $3,640,000 |
PUEBLO's loan sizing saw the bucket of loans from $200k-400k with 4,353 originations, totaling $1,199,715,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,166 | $837,730,000 | $264,602 |
| 60-80% | 2,977 | $698,775,000 | $234,725 |
| 40-60% | 1,756 | $293,830,000 | $167,329 |
| Under 20% | 756 | $23,540,000 | $31,138 |
| 20-40% | 743 | $75,665,000 | $101,837 |
| Over 100% | 217 | $78,145,000 | $360,115 |
PUEBLO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,166 originations, totaling $837,730,000 in origination value.
