Steamboat Springs Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Steamboat Springs averaged 6.28% for the week of 2024-02-15, compared to the national average of 6.77% for the same period.

The average rate for the prior week (2024-02-08) was 6.15% and one month ago for the week of 2024-01-11, the average rate was 6.17%.

Steamboat Springs's average rate one year ago was 5.73%.

For refis of the same type during the week of 2024-02-15, the average rate was 5.53%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-15 6.77%
Steamboat Springs 30 Year Fixed Rate 2024-02-15 6.28%
Steamboat Springs 30 Year Fixed Rate Refi 2024-02-15 5.53%
Steamboat Springs 15 Year Fixed Rate 2024-02-15 6.12%
Steamboat Springs 15 Year Fixed Rate Refi 2024-02-15 6.12%
Steamboat Springs 30 Year FHA 2024-02-15 6.71%
Steamboat Springs 30 Year FHA Refi 2024-02-15 6.41%
Steamboat Springs 30 Year USDA 2024-02-15 6.49%
Steamboat Springs 30 Year USDA Refi 2024-02-15 6.49%
Steamboat Springs 30 Year VA 2024-02-15 6.66%
Steamboat Springs 30 Year VA Refi 2024-02-15 6.66%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Steamboat Springs, CO.

Steamboat Springs 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 Steamboat Springs, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
CROSSCOUNTRY MORTGAGE, LLC 65 5.35% $7,342
NFM, INC. 45 5.19% $8,271
Alpine Bank 45 4.38% $7,410
UNITED WHOLESALE MORTGAGE, LLC 43 4.58% $6,371
QUICKEN LOANS, LLC 31 4.19% $8,381
CORNERSTONE HOME LENDING, INC. 26 4.48% $5,910
JPMorgan Chase Bank 22 3.74% $4,755
U.S. Bank 22 4.01% $7,498
Wells Fargo Bank 20 4.04% $7,303
CHERRY CREEK MORTGAGE, LLC 13 4.17% $1,086
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 4.54% $5,782
Zions Bank 11 3.64% $4,198
First Western Trust Bank 10 4.00% $4,121
Morgan Stanley Private Bank 10 3.40% $3,635
BAY EQUITY LLC 10 3.56% $3,615
MOVEMENT MORTGAGE, LLC 8 4.29% $4,733
GUILD MORTGAGE COMPANY 7 3.57% $6,727
Charles Schwab Bank, SSB 7 3.03% $6,120
Elevations Credit Union 7 3.93% $3,616
UBS Bank USA 7 3.23% $5,420
The Huntington National Bank 6 4.07% $5,257
HOME POINT FINANCIAL CORPORATION 6 3.96% $9,265
KeyBank 6 3.79% $5,584
MEGASTAR FINANCIAL CORP. 5 4.48% $5,843
Bank of America 5 3.00% $19,041
LOANDEPOT.COM, LLC 5 4.17% $6,965
Bank of Colorado 5 4.40% $12,905
GROUP MORTGAGE, LLC 5 6.23% $6,665
GUARANTEED RATE, INC. 5 4.57% $5,650
Citibank 4 3.25% $5,029
FINANCE OF AMERICA MORTGAGE LLC 4 4.28% $7,751
UNION HOME MORTGAGE CORP. 4 4.69% $4,248
AMERICAN FINANCING CORPORATION 4 4.00% $8,180
UNIVERSAL LENDING CORPORATION 4 4.53% $9,176
SWBC MORTGAGE CORPORATION 4 5.56% $6,239
PNC Bank 3 3.33% $7,922
CALIBER HOME LOANS, INC. 3 5.62% $3,493
BROKER SOLUTIONS, INC. 3 4.33% $8,785
Bank of the West 3 3.88% $5,843
FirstBank 3 5.13% $3,002
Glacier Bank 3 5.58% $2,747
First Republic Bank 3 2.77% $6,562
City National Bank 3 3.74% $3,569
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 3 4.54% $11,981
Raymond James Bank 3 3.67% $4,240
Chicago Mortgage Solutions LLC 3 3.08% $2,265
UMB Bank 3 3.97% $3,964
The Northern Trust Company 2 3.44% $4,055
ACADEMY MORTGAGE CORPORATION 2 6.19% $5,700
Ally Bank 2 4.06% $3,455
American Mortgage & Equity Consultants, Inc. 2 5.00% $5,678
BancorpSouth 2 5.50% $10,179
BETTER MORTGAGE CORPORATION 2 3.63% $2,817
CARDINAL FINANCIAL 2 4.19% $1,620
FBC MORTGAGE, LLC 2 4.63% $11,731
Financial Funding Solutions, Inc. 2 6.25% $6,127
First Interstate Bank 2 4.44% $4,370
Flagstar Bank, FSB 2 3.31% $2,961
FREEDOM MORTGAGE CORPORATION 2 3.31% $9,273
Gateway First Bank 2 5.13% $8,061
HOMESTEAD FUNDING CORP. 2 3.50% $4,221
Mr. Cooper ( Nationstar Mortgage ) 2 4.43% $13,030
NEWREZ LLC 2 4.69% $3,377
Northpointe Bank 2 3.56% $6,060
Northwest Farm Credit Services, FLCA 2 4.75% $12,013
NOVA FINANCIAL & INVESTMENT CORPORATION 2 4.00% $1,752
PENNYMAC LOAN SERVICES, LLC 2 4.94% $7,066
Plains Commerce Bank 2 5.13% $3,220
PROVIDENT FUNDING ASSOCIATES, L.P. 2 5.75% $4,419
S1L, Inc. 2 4.06% $6,908
Summit Mortgage Corporation 2 4.63% $5,730
Truist 2 3.83% $11,380
MidWestOne Bank 1 3.13% $11,900
FIRST CENTENNIAL MORTGAGE CORPORATION 1 5.88% $6,001
First Bank & Trust 1 4.50% $16,576
BOKF 1 4.75% $8,715
M&T Bank 1 3.25% $5,048
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.63% $1,885
NATIONS DIRECT MORTGAGE, LLC 1 6.25% $9,558
NBH Bank 1 5.57% $4,485
NBKC BANK 1 3.38% $1,443
BELEM SERVICING LLC 1 5.00% $20,939
NexBank 1 3.75% $19,272
First American Bank 1 3.25% $6,164
North American Savings Bank, F.S.B. 1 2.75% $3,434
Ameris Bank 1 3.63% $6,518
Northwest Bank 1 3.13% $24,833
AMERISAVE MORTGAGE CORPORATION 1 3.38% $2,974
VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.50% $4,563
OAKTREE FUNDING CORP. 1 10.75% $36,326
OCMBC, INC. 1 6.50% $5,016
Old National Bank 1 4.88% $3,716
Paramount Residential Mortgage Group, Inc. 1 3.25% $11,389
Veritex Community Bank 1 4.50% $28,826
Pinnacle Bank 1 3.25% $3,555
Washington Trust Bank 1 3.13% $3,650
PLANET HOME LENDING, LLC 1 4.13% $9,139
EVERETT FINANCIAL, INC. 1 6.38% $2,040
PREMIER MEMBERS CREDIT UNION 1 3.25% $0
Amerifirst Financial, Inc. 1 5.75% $1,434
Dubuque Bank and Trust Company 1 3.50% $6,754
Deere Employees Credit Union 1 3.25% $3,336
DATA MORTGAGE, INC. 1 3.75% $7,746
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.13% $4,949
RUOFF MORTGAGE COMPANY, INC. 1 4.75% $17,022
WINGS FINANCIAL 1 4.50% $5,203
Silicon Valley Bank 1 3.63% $4,143
STAR ONE CREDIT UNION 1 3.88% $2,335
Stifel Bank and Trust 1 2.75% $2,916
Wyndham Capital Mortgage, Inc. 1 3.99% $2,488
COMPASS MORTGAGE, INC. 1 3.13% $4,619
CMG MORTGAGE, INC. 1 3.13% $5,220
ABSOLUTE HOME MORTGAGE CORPORATION 1 7.50% $17,275
AMERICAN INTERNET MORTGAGE, INC. 1 2.88% $2,850
Truity Federal Credit Union 1 3.13% $3,745
Capital Bank 1 5.13% $8,034
CANVAS CREDIT UNION 1 3.88% $3,718
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.00% $11,116
Union Bank and Trust Company 1 5.50% $3,128
HOMEXPRESS MORTGAGE CORP. 1 7.13% $14,154
Independent Bank 1 5.75% $6,580
GUARANTY HOME MORTGAGE CORPORATION 1 3.88% $3,588
Goldman Sachs Bank USA 1 4.15% $4,474
KINECTA 1 5.50% $4,834
LAKEVIEW LOAN SERVICING, LLC 1 3.99% $2,308
LEGEND LENDING CORPORATION 1 4.38% $46,125
FUNDLOANS CAPITAL 1 4.75% $41,847
First Merchants Bank 1 2.63% $4,809
MidFirst Bank 1 3.48% $10,112

Steamboat Springs Average Closing Costs & Other Stats

Steamboat Springs, CO's 129 lenders originated 1,130 loans during 2022. The total origination value was $781,970,000, with an average loan value of $692,009.

Steamboat Springs's average closing costs are $4,746.

The top Steamboat Springs lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 65 loans originated. Their average total fees are $7,342, which is $929 lower than the next largest lender, NFM, INC..

The lowest fee Steamboat Springs lenders (with over 10 loans originated) are CHERRY CREEK MORTGAGE, LLC ($1,086), BAY EQUITY LLC ($3,615), Morgan Stanley Private Bank ($3,635), First Western Trust Bank ($4,121) and Zions Bank ($4,198).

The lowest rate Steamboat Springs lenders (with over 10 loans originated) are Morgan Stanley Private Bank (3.40%), BAY EQUITY LLC (3.56%), Zions Bank (3.64%), JPMorgan Chase Bank (3.74%) and First Western Trust Bank (4.00%).

Steamboat Springs, 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
Alpine Bank $60,050,000 $64,975,000 8.2% 8.3%
Zions Bancorporation, N.A. $27,580,000 $54,485,000 97.6% 7.0%
JPMorgan Chase Bank $36,855,000 $49,245,000 33.6% 6.3%
CROSSCOUNTRY MORTGAGE, LLC $4,615,000 $37,895,000 721.1% 4.8%
First Western Trust Bank $1,730,000 $33,775,000 1,852.3% 4.3%
UNITED WHOLESALE MORTGAGE, LLC $61,985,000 $31,640,000 -49.0% 4.0%
U.S. Bank $37,300,000 $29,525,000 -20.8% 3.8%
NFM, INC. $455,000 $25,495,000 5,503.3% 3.3%
Citywide Banks $20,010,000 n/a 2.6%
Wells Fargo Bank $55,130,000 $18,035,000 -67.3% 2.3%
Merchants Bank of Indiana $16,320,000 n/a 2.1%
QUICKEN LOANS, LLC $53,685,000 $15,285,000 -71.5% 2.0%
CORNERSTONE HOME LENDING, INC. $44,785,000 $14,280,000 -68.1% 1.8%
Bank of America $36,620,000 $13,775,000 -62.4% 1.8%
Morgan Stanley Private Bank $7,635,000 $11,955,000 56.6% 1.5%
Charles Schwab Bank, SSB $13,900,000 $11,665,000 -16.1% 1.5%
UBS Bank USA $13,010,000 $10,315,000 -20.7% 1.3%
CHERRY CREEK MORTGAGE, LLC $31,235,000 $10,210,000 -67.3% 1.3%
American State Bank $435,000 $8,930,000 1,952.9% 1.1%
Bank of Colorado $5,820,000 $8,830,000 51.7% 1.1%
Citibank $745,000 $8,010,000 975.2% 1.0%
First Republic Bank $7,220,000 n/a 0.9%
PNC Bank $6,290,000 $7,150,000 13.7% 0.9%
GUARANTEED RATE, INC. $9,425,000 $7,015,000 -25.6% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $9,150,000 $6,265,000 -31.5% 0.8%
The Huntington National Bank $3,915,000 $5,830,000 48.9% 0.7%
UMB Bank $2,325,000 $5,640,000 142.6% 0.7%
FirstBank $910,000 $5,560,000 511.0% 0.7%
Raymond James Bank $775,000 $5,255,000 578.1% 0.7%
KeyBank $11,485,000 $5,095,000 -55.6% 0.7%
GUILD MORTGAGE COMPANY $47,350,000 $4,905,000 -89.6% 0.6%
CMG MORTGAGE, INC. $1,585,000 $4,645,000 193.1% 0.6%
MOVEMENT MORTGAGE, LLC $11,240,000 $4,620,000 -58.9% 0.6%
Bank of the West $10,975,000 $4,130,000 -62.4% 0.5%
BAY EQUITY LLC $93,340,000 $3,865,000 -95.9% 0.5%
Northwest Bank $3,685,000 n/a 0.5%
AIR ACADEMY $3,295,000 $3,660,000 11.1% 0.5%
HOME POINT FINANCIAL CORPORATION $18,770,000 $3,450,000 -81.6% 0.4%
MEGASTAR FINANCIAL CORP. $5,330,000 $3,420,000 -35.8% 0.4%
AMERICAN FINANCING CORPORATION $4,570,000 $3,225,000 -29.4% 0.4%
BancorpSouth Bank $3,195,000 n/a 0.4%
Elevations Credit Union $7,170,000 $3,190,000 -55.5% 0.4%
Glacier Bank $4,435,000 $3,160,000 -28.7% 0.4%
The Northern Trust Company $1,045,000 $3,000,000 187.1% 0.4%
LOANDEPOT.COM, LLC $18,625,000 $2,940,000 -84.2% 0.4%
Truity Federal Credit Union $2,830,000 n/a 0.4%
Texas Security Bank $2,815,000 n/a 0.4%
Broadway National Bank $2,775,000 n/a 0.4%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $845,000 $2,775,000 228.4% 0.4%
Southern Bancorp Bank $2,705,000 n/a 0.3%
Plains Commerce Bank $1,120,000 $2,700,000 141.1% 0.3%
City National Bank $1,205,000 $2,675,000 122.0% 0.3%
CALIBER HOME LOANS, INC. $5,315,000 $2,620,000 -50.7% 0.3%
FINANCE OF AMERICA REVERSE LLC $1,675,000 $2,620,000 56.4% 0.3%
BOKF $645,000 $2,560,000 296.9% 0.3%
UNION HOME MORTGAGE CORP. $760,000 $2,340,000 207.9% 0.3%
Veritex Community Bank $2,325,000 n/a 0.3%
FINANCE OF AMERICA MORTGAGE LLC $3,400,000 $2,270,000 -33.2% 0.3%
UNIVERSAL LENDING CORPORATION $895,000 $2,270,000 153.6% 0.3%
American Airlines Federal Credit Union $155,000 $2,250,000 1,351.6% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,830,000 $2,135,000 -44.3% 0.3%
Silicon Valley Bank $2,200,000 $2,075,000 -5.7% 0.3%
Country Club Bank $2,005,000 n/a 0.3%
Mortgage Research Center, LLC $1,325,000 $1,950,000 47.2% 0.2%
First Interstate Bank $1,940,000 n/a 0.2%
Truist $1,820,000 $1,900,000 4.4% 0.2%
LENDSURE MORTGAGE CORP. $1,380,000 $1,875,000 35.9% 0.2%
Northpointe Bank $1,685,000 $1,845,000 9.5% 0.2%
PENNYMAC LOAN SERVICES, LLC $6,275,000 $1,830,000 -70.8% 0.2%
GROUP MORTGAGE, LLC $495,000 $1,785,000 260.6% 0.2%
Northwest Farm Credit Services, FLCA $845,000 $1,770,000 109.5% 0.2%
FBC MORTGAGE, LLC $1,710,000 n/a 0.2%
MidFirst Bank $3,885,000 $1,710,000 -56.0% 0.2%
First Merchants Bank $1,695,000 n/a 0.2%
CIVIC FINANCIAL SERVICES, LLC $1,670,000 n/a 0.2%
SWBC MORTGAGE CORPORATION $2,020,000 $1,650,000 -18.3% 0.2%
BROKER SOLUTIONS, INC. $4,360,000 $1,510,000 -65.4% 0.2%
Flagstar Bank, FSB $2,450,000 $1,500,000 -38.8% 0.2%
FREEDOM MORTGAGE CORPORATION $3,760,000 $1,495,000 -60.2% 0.2%
Dubuque Bank and Trust Company $1,445,000 n/a 0.2%
NexBank $1,205,000 $1,445,000 19.9% 0.2%
CANVAS CREDIT UNION $1,045,000 $1,415,000 35.4% 0.2%
Stifel Bank and Trust $3,110,000 $1,405,000 -54.8% 0.2%
S1L, Inc. $1,880,000 $1,400,000 -25.5% 0.2%
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION $1,610,000 $1,385,000 -14.0% 0.2%
ACADEMY MORTGAGE CORPORATION $965,000 $1,375,000 42.5% 0.2%
M&T Bank $1,675,000 $1,365,000 -18.5% 0.2%
FUNDLOANS CAPITAL $1,335,000 n/a 0.2%
NBH Bank $2,690,000 $1,330,000 -50.6% 0.2%
OCMBC, INC. $1,325,000 n/a 0.2%
Financial Funding Solutions, Inc. $585,000 $1,320,000 125.6% 0.2%
Community First National Bank $1,315,000 n/a 0.2%
Alerus Financial $1,305,000 n/a 0.2%
WINGS FINANCIAL $1,285,000 n/a 0.2%
BELEM SERVICING LLC $1,205,000 n/a 0.2%
PENTAGON FEDERAL CREDIT UNION $675,000 $1,200,000 77.8% 0.2%
PLANET HOME LENDING, LLC $1,105,000 $1,175,000 6.3% 0.2%
American Mortgage & Equity Consultants, Inc. $870,000 $1,170,000 34.5% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,710,000 $1,160,000 -32.2% 0.1%
Ent Credit Union $5,435,000 $1,130,000 -79.2% 0.1%
Ally Bank $7,195,000 $1,110,000 -84.6% 0.1%
HOMESTEAD FUNDING CORP. $1,110,000 n/a 0.1%
OAKTREE FUNDING CORP. $1,105,000 n/a 0.1%
Summit Mortgage Corporation $1,070,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $10,295,000 $1,055,000 -89.8% 0.1%
Old National Bank $1,045,000 n/a 0.1%
Deere Employees Credit Union $510,000 $1,020,000 100.0% 0.1%
NAVY FEDERAL CREDIT UNION $1,485,000 $1,015,000 -31.6% 0.1%
Goldman Sachs Bank USA $1,005,000 n/a 0.1%
Mr. Cooper ( Nationstar Mortgage ) $5,570,000 $1,000,000 -82.0% 0.1%
Ameris Bank $995,000 n/a 0.1%
Credit Union of Denver $615,000 $995,000 61.8% 0.1%
NEWREZ LLC $5,305,000 $980,000 -81.5% 0.1%
BELLCO $955,000 $960,000 0.5% 0.1%
SECURITY SERVICE $285,000 $935,000 228.1% 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $185,000 $930,000 402.7% 0.1%
Chicago Mortgage Solutions LLC $11,290,000 $900,000 -92.0% 0.1%
Sooper Credit Union $880,000 n/a 0.1%
MidWestOne Bank $855,000 n/a 0.1%
REVERSE MORTGAGE FUNDING LLC $835,000 n/a 0.1%
Independent Bank $5,010,000 $820,000 -83.6% 0.1%
LAKEVIEW LOAN SERVICING, LLC $3,195,000 $780,000 -75.6% 0.1%
Bank of England $940,000 $755,000 -19.7% 0.1%
Choice Financial Group $755,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $730,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $715,000 n/a 0.1%
Gateway First Bank $2,025,000 $710,000 -64.9% 0.1%
SPRING EQ, LLC $235,000 $685,000 191.5% 0.1%
AMERISAVE MORTGAGE CORPORATION $6,630,000 $680,000 -89.7% 0.1%
State Bank of Cross Plains $675,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $1,695,000 $675,000 -60.2% 0.1%
KINECTA $665,000 n/a 0.1%
Washington Trust Bank $665,000 n/a 0.1%
Amerifirst Financial, Inc. $2,555,000 $645,000 -74.8% 0.1%
BancFirst $105,000 $645,000 514.3% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,305,000 $645,000 -50.6% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $645,000 n/a 0.1%
Blue Federal Credit Union $625,000 n/a 0.1%
COMPASS MORTGAGE, INC. $625,000 n/a 0.1%
PREMIER MEMBERS CREDIT UNION $440,000 $620,000 40.9% 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $615,000 n/a 0.1%
First State Bank $605,000 n/a 0.1%
North American Savings Bank, F.S.B. $305,000 $605,000 98.4% 0.1%
First American Bank $595,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $1,055,000 $595,000 -43.6% 0.1%
BNY Mellon $2,210,000 $575,000 -74.0% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $2,210,000 $525,000 -76.2% 0.1%
STAR ONE CREDIT UNION $525,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $335,000 $515,000 53.7% 0.1%
Capital Bank $505,000 n/a 0.1%
Strong Home Mortgage, LLC $720,000 $495,000 -31.3% 0.1%
LEGEND LENDING CORPORATION $485,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $115,000 $485,000 321.7% 0.1%
CAPITAL CREDIT UNION $465,000 n/a 0.1%
GUARANTY HOME MORTGAGE CORPORATION $465,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $1,250,000 $465,000 -62.8% 0.1%
1ST FINANCIAL, INC. $455,000 n/a 0.1%
Pinnacle Bank $1,000,000 $455,000 -54.5% 0.1%
ANB Bank $275,000 $445,000 61.8% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $320,000 $445,000 39.1% 0.1%
RUOFF MORTGAGE COMPANY, INC. $445,000 n/a 0.1%
MOUNTAIN AMERICA $425,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $425,000 n/a 0.1%
PHH Mortgage Corporation $545,000 $425,000 -22.0% 0.1%
Third Federal Savings and Loan Association of Cleveland $180,000 $410,000 127.8% 0.1%
First Bank & Trust $405,000 n/a 0.1%
EVERETT FINANCIAL, INC. $395,000 n/a 0.1%
ALLIANT CREDIT UNION $85,000 $375,000 341.2% 0.0%
Colonial Savings, F.A. $375,000 n/a 0.0%
Discover Bank $250,000 $375,000 50.0% 0.0%
Pinnacle Bank $1,000,000 $375,000 -62.5% 0.0%
ADVANCIAL $365,000 n/a 0.0%
Union Bank and Trust Company $215,000 $355,000 65.1% 0.0%
DATA MORTGAGE, INC. $345,000 n/a 0.0%
Midwest Mortgage Associates Corporation $345,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $325,000 n/a 0.0%
Marquette Bank $505,000 $305,000 -39.6% 0.0%
The Central Trust Bank $305,000 n/a 0.0%
Fifth Third Bank $2,805,000 $285,000 -89.8% 0.0%
CHEVRON $275,000 n/a 0.0%
RANLIFE, INC. $265,000 n/a 0.0%
SOFI LENDING CORP. $535,000 $255,000 -52.3% 0.0%
AMERICAN ADVISORS GROUP $1,750,000 $245,000 -86.0% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $245,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $245,000 n/a 0.0%
Figure Lending LLC $200,000 $240,000 20.0% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $315,000 $235,000 -25.4% 0.0%
Heritage Bank $225,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $225,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $360,000 $205,000 -43.1% 0.0%
Crystal Lake Bank and Trust $185,000 n/a 0.0%
HomeTrust Bank $185,000 n/a 0.0%
NBKC BANK $2,985,000 $165,000 -94.5% 0.0%
United States Senate Federal Credit Union $155,000 n/a 0.0%
Commerce Bank $3,005,000 $105,000 -96.5% 0.0%
First National Bank of Omaha $3,250,000 $105,000 -96.8% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $240,000 $75,000 -68.8% 0.0%

Steamboat Springs's top lender by overall market share is Alpine Bank, with 8.3% market share. In second place, with 7.0%, is Zions Bancorporation, N.A., having originated $54,485,000 in loans. In third place, with 6.3%, is JPMorgan Chase Bank, having originated $49,245,000 in loans. In fourth place, with 4.8%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $37,895,000 in loans. In fifth place, with 4.3%, is First Western Trust Bank, having originated $33,775,000 in loans.


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

Realtor.com - Steamboat Springs (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 $499,000 (16.8%) $1,023,248 (17.6%) 0.00 434
2018-02-01 $489,750 (14.6%) $1,026,993 (15.6%) 0.00 440
2018-03-01 $499,000 (21.7%) $1,076,057 (24.1%) 0.00 443
2018-04-01 $477,000 (13.5%) $1,060,942 (21.9%) 0.00 453
2018-05-01 $452,500 (17.8%) $1,021,673 (26.2%) 0.00 476
2018-06-01 $449,000 (11.1%) $1,002,526 (22.8%) 0.00 554
2018-07-01 $452,500 (14.6%) $1,008,811 (22.4%) 0.00 614
2018-08-01 $449,000 (18.1%) $990,763 (16.3%) 0.00 632
2018-09-01 $465,000 (7.9%) $1,028,938 (11.5%) 0.00 598
2018-10-01 $494,750 (5.5%) $1,046,490 (7.3%) 0.00 570
2018-11-01 $526,000 (12.7%) $1,065,930 (14.1%) 0.00 534
2018-12-01 $516,450 (4.5%) $1,072,428 (4.3%) 0.00 515
2019-01-01 $508,750 (0.4%) $1,063,244 (0.0%) 0.00 501
2019-02-01 $499,000 (-4.9%) $1,034,564 (-3.5%) 0.00 504
2019-03-01 $498,143 (-9.8%) $1,035,351 (-6.5%) 0.00 503
2019-04-01 $495,750 (-3.9%) $1,033,038 (-3.5%) 0.00 510
2019-05-01 $499,000 (-3.5%) $1,031,364 (-2.4%) 0.00 515
2019-06-01 $517,000 (3.0%) $1,009,671 (-3.4%) 0.00 604
2019-07-01 $530,625 (7.7%) $1,022,587 (-2.9%) 0.00 672
2019-08-01 $509,545 (5.2%) $1,022,456 (1.0%) 0.00 655
2019-09-01 $501,364 (6.0%) $1,044,780 (1.8%) 0.00 609
2019-10-01 $498,134 (8.0%) $1,069,926 (4.5%) 0.00 568
2019-11-01 $464,500 (10.2%) $1,071,133 (8.6%) 0.00 522
2019-12-01 $483,625 (10.5%) $1,119,472 (14.0%) 0.00 491
2020-01-01 $435,000 (11.6%) $1,110,856 (18.3%) 0.00 385
2020-02-01 $415,000 (15.2%) $1,043,377 (17.6%) 0.00 385
2020-03-01 $437,000 (12.5%) $958,415 (7.2%) 0.00 421
2020-04-01 $419,500 (-2.7%) $912,893 (-1.1%) 0.00 431
2020-05-01 $399,000 (-3.7%) $842,926 (-5.8%) 0.00 460
2020-06-01 $399,900 (-3.7%) $846,368 (-7.2%) 0.00 534
2020-07-01 $386,000 (-5.1%) $883,895 (-0.7%) 0.00 520
2020-08-01 $338,250 (-10.6%) $898,595 (6.5%) 0.00 454
2020-09-01 $341,250 (4.3%) $930,365 (8.5%) 0.00 428
2020-10-01 $329,000 (9.8%) $921,918 (7.2%) 0.00 398
2020-11-01 $388,750 (12.3%) $971,255 (2.8%) 0.00 330
2020-12-01 $391,250 (9.1%) $1,050,469 (3.3%) 0.00 292
2021-01-01 $372,143 (10.5%) $1,130,943 (7.9%) 0.00 243
2021-02-01 $397,500 (11.8%) $1,088,293 (8.0%) 0.00 241
2021-03-01 $382,375 (24.3%) $1,148,636 (28.1%) 0.00 238
2021-04-01 $330,000 (39.1%) $1,098,130 (48.2%) 0.00 220
2021-05-01 $350,000 (69.5%) $1,086,390 (51.6%) 0.00 241
2021-06-01 $359,750 (37.6%) $1,065,629 (51.5%) 0.00 239
2021-07-01 $395,000 (43.3%) $1,106,453 (39.6%) 0.00 239
2021-08-01 $428,000 (67.5%) $1,117,969 (29.3%) 0.00 241
2021-09-01 $452,975 (34.3%) $1,360,096 (44.5%) 0.00 244
2021-10-01 $452,500 (31.2%) $1,397,961 (47.5%) 0.00 223
2021-11-01 $390,456 (54.6%) $1,541,840 (83.1%) 0.00 166
2021-12-01 $396,156 (72.9%) $1,828,316 (98.7%) 0.00 148
2022-01-01 $371,950 (68.4%) $1,944,091 (110.5%) 0.00 125
2022-02-01 $397,500 (71.5%) $1,990,883 (132.0%) 0.00 116
2022-03-01 $516,750 (96.5%) $1,969,702 (108.5%) 0.00 119
2022-04-01 $419,900 (62.2%) $1,615,301 (65.9%) 0.00 127
2022-05-01 $446,000 (5.9%) $1,452,456 (37.8%) 0.00 160
2022-06-01 $631,250 (57.3%) $1,593,861 (39.7%) 0.00 206
2022-07-01 $779,000 (42.8%) $1,654,279 (29.6%) 0.00 259
2022-08-01 $707,250 (19.9%) $1,430,348 (11.7%) 0.00 269
2022-09-01 $705,000 (14.7%) $1,464,802 (-2.8%) 0.00 267
2022-10-01 $697,000 (-2.5%) $1,378,454 (-15.6%) 0.00 243
2022-11-01 $643,500 (-26.8%) $1,385,459 (-31.2%) 0.00 221
2022-12-01 $650,000 (-36.5%) $1,363,795 (-40.9%) 0.00 202
2023-01-01 $720,725 (-30.6%) $1,478,431 (-46.2%) 0.00 173
2023-02-01 $719,950 (-30.4%) $1,572,692 (-45.5%) 0.00 154
2023-03-01 $562,250 (-44.4%) $1,439,811 (-44.9%) 0.00 151
2023-04-01 $455,000 (-19.9%) $1,414,209 (-33.6%) 0.00 153
2023-05-01 $492,100 (-3.1%) $1,335,634 (-18.6%) 0.00 167
2023-06-01 $592,000 (-8.0%) $1,489,811 (-10.3%) 0.00 214
2023-07-01 $649,950 (-8.5%) $1,625,942 (4.4%) 0.00 255
2023-08-01 $672,500 (-1.9%) $1,517,563 (16.9%) 0.00 272
2023-09-01 $750,000 (11.1%) $1,652,018 (15.3%) 0.00 254
2023-10-01 $795,000 (35.0%) $1,647,811 (26.3%) 0.00 225
2023-11-01 $870,000 (51.5%) $1,746,767 (32.0%) 0.00 209
2023-12-01 $940,000 (0.0%) $1,921,814 (0.0%) 0.00 194
Steamboat Springs's median listing price for 2023-12-01 was $940,000, a difference of $290,000 (0.0%) versus the prior year and $70,000 versus the prior month.

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

Steamboat Springs's average listing price for 2023-12-01 was $1,921,814, a difference of $558,019 (0.0%) versus the prior year and $175,047 versus the prior month.

For the 2023-12-01 period, Steamboat Springs had 194 MLS listings, a difference of -15 listings (-7%) versus the prior month and -8 listings (-4%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Steamboat Springs (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,135 sqft
2018-02-01 0 days 2,134 sqft
2018-03-01 0 days 2,140 sqft
2018-04-01 0 days 2,078 sqft
2018-05-01 0 days 2,075 sqft
2018-06-01 0 days 1,996 sqft
2018-07-01 0 days 1,992 sqft
2018-08-01 0 days 1,987 sqft
2018-09-01 0 days 2,016 sqft
2018-10-01 0 days 1,998 sqft
2018-11-01 0 days 1,994 sqft
2018-12-01 0 days 1,917 sqft
2019-01-01 0 days 1,926 sqft
2019-02-01 0 days 1,769 sqft
2019-03-01 0 days 1,767 sqft
2019-04-01 0 days 1,790 sqft
2019-05-01 0 days 1,928 sqft
2019-06-01 0 days 1,990 sqft
2019-07-01 0 days 2,022 sqft
2019-08-01 0 days 2,036 sqft
2019-09-01 0 days 2,061 sqft
2019-10-01 0 days 2,095 sqft
2019-11-01 0 days 2,168 sqft
2019-12-01 0 days 2,179 sqft
2020-01-01 0 days 2,186 sqft
2020-02-01 0 days 2,192 sqft
2020-03-01 0 days 2,150 sqft
2020-04-01 0 days 2,038 sqft
2020-05-01 0 days 1,990 sqft
2020-06-01 0 days 2,025 sqft
2020-07-01 0 days 2,008 sqft
2020-08-01 0 days 1,967 sqft
2020-09-01 0 days 1,994 sqft
2020-10-01 0 days 2,014 sqft
2020-11-01 0 days 2,053 sqft
2020-12-01 0 days 2,259 sqft
2021-01-01 0 days 2,263 sqft
2021-02-01 0 days 2,154 sqft
2021-03-01 0 days 2,137 sqft
2021-04-01 0 days 2,147 sqft
2021-05-01 0 days 2,052 sqft
2021-06-01 0 days 2,012 sqft
2021-07-01 0 days 2,054 sqft
2021-08-01 0 days 2,070 sqft
2021-09-01 0 days 2,014 sqft
2021-10-01 0 days 1,977 sqft
2021-11-01 0 days 2,028 sqft
2021-12-01 0 days 2,124 sqft
2022-01-01 0 days 1,925 sqft
2022-02-01 0 days 2,068 sqft
2022-03-01 0 days 2,280 sqft
2022-04-01 0 days 2,000 sqft
2022-05-01 0 days 1,940 sqft
2022-06-01 0 days 2,014 sqft
2022-07-01 0 days 2,116 sqft
2022-08-01 0 days 2,114 sqft
2022-09-01 0 days 2,103 sqft
2022-10-01 0 days 2,010 sqft
2022-11-01 0 days 2,012 sqft
2022-12-01 0 days 2,004 sqft
2023-01-01 0 days 2,002 sqft
2023-02-01 0 days 2,043 sqft
2023-03-01 0 days 1,960 sqft
2023-04-01 0 days 1,814 sqft
2023-05-01 0 days 1,845 sqft
2023-06-01 0 days 1,940 sqft
2023-07-01 0 days 1,969 sqft
2023-08-01 0 days 2,046 sqft
2023-09-01 0 days 2,124 sqft
2023-10-01 0 days 2,158 sqft
2023-11-01 0 days 2,126 sqft
2023-12-01 0 days 2,203 sqft
Steamboat Springs's median listing age (time on market) for 2023-12-01 was 0 days.

Steamboat Springs's median square footage for active listings during the 2023-12-01 period was 2,203 sqft. One year prior, the average listing was 2,004 sqft.

Steamboat Springs, CO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 514 $403,720,000 $785,447
Cash Out Refi 206 $116,310,000 $564,612
Refi 189 $146,695,000 $776,164
Other 114 $83,940,000 $736,316
Home Improvement 107 $31,305,000 $292,570

Steamboat Springs's most frequently cited loan purpose was Home Purchase, with 514 originations. The 2nd most popular reason was Cash Out Refi, with 206 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 307 $291,825,000 $950,570
4-5% 271 $176,025,000 $649,539
5-6% 188 $92,270,000 $490,798
2.5-3% 92 $76,440,000 $830,870
6-7% 85 $40,795,000 $479,941
<2.5% 67 $44,845,000 $669,328
7-8% 39 $14,165,000 $363,205
Over 8% 23 $6,375,000 $277,174

During 2022, Steamboat Springs's most frequently originated rate bucket was 3-4%, with 307 originations.

Loan Sizing (Steamboat Springs, CO MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 317 $95,115,000 $300,047
$400k-600k 228 $110,140,000 $483,070
$600k-1000k 212 $155,470,000 $733,349
$Over $1MM 188 $400,690,000 $2,131,330
$100k-200k 114 $16,360,000 $143,509
$100,000 or less 71 $4,195,000 $59,085

Steamboat Springs's loan sizing saw the bucket of loans from $200k-400k with 317 originations, totaling $95,115,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 337 $296,955,000 $881,172
40-60% 228 $212,240,000 $930,877
Under 20% 175 $29,055,000 $166,029
20-40% 166 $73,750,000 $444,277
80-100% 162 $129,320,000 $798,272
Over 100% 1 $615,000 $615,000

Steamboat Springs's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 337 originations, totaling $296,955,000 in origination value.