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
6.18%
for the week of 2023-01-26, compared to the national average of
6.13% for the same period.
The average rate for the prior week (2023-01-19) was
6.3% and
one month ago for the week of 2022-12-22, the
average rate was 6.42%.
Steamboat Springs's average rate one year ago was 3.81%.
For refis of the same type during the week of 2023-01-26, the average rate
was 6.23%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-01-26 | 6.13% |
| Steamboat Springs 30 Year Fixed Rate | 2023-01-26 | 6.18% |
| Steamboat Springs 30 Year Fixed Rate Refi | 2023-01-26 | 6.23% |
| Steamboat Springs 15 Year Fixed Rate | 2023-01-26 | 5.21% |
| Steamboat Springs 15 Year Fixed Rate Refi | 2023-01-26 | 5.41% |
| Steamboat Springs 30 Year FHA | 2023-01-26 | 6.29% |
| Steamboat Springs 30 Year FHA Refi | 2023-01-26 | 6.36% |
| Steamboat Springs 30 Year USDA | 2023-01-26 | 6.3% |
| Steamboat Springs 30 Year USDA Refi | 2023-01-26 | 4.61% |
| Steamboat Springs 30 Year VA | 2023-01-26 | 6.25% |
| Steamboat Springs 30 Year VA Refi | 2023-01-26 | 5.88% |
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.).
Steamboat Springs Average Closing Costs & Other Stats
Steamboat Springs, CO's 186 lenders originated 2,160
loans during 2021. The total origination value was $1,042,400,000, with an average loan value of
$482,593.
Steamboat Springs's average closing costs are $4,422.
The top Steamboat Springs lender as defined by loan originations is BAY EQUITY LLC, with
184 loans originated. Their average total fees are
$4,250, which is $424
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Steamboat Springs lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($1,469), BETTER MORTGAGE CORPORATION ($2,250), Elevations Credit Union ($2,946), Zions Bancorporation, N.A. ($3,140) and Charles Schwab Bank, SSB ($3,157).
The lowest rate Steamboat Springs lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (2.43%), Bank of America (2.50%), Chicago Mortgage Solutions LLC (2.76%), UBS Bank USA (2.78%) and KeyBank (2.81%).
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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| BAY EQUITY LLC | $117,725,000 | $93,340,000 | -20.7% | 9.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $35,655,000 | $61,985,000 | 73.8% | 5.9% |
| Alpine Bank | $73,705,000 | $60,050,000 | -18.5% | 5.8% |
| Wells Fargo Bank | $49,185,000 | $55,130,000 | 12.1% | 5.3% |
| QUICKEN LOANS, LLC | $67,930,000 | $53,685,000 | -21.0% | 5.2% |
| GUILD MORTGAGE COMPANY | $42,635,000 | $47,350,000 | 11.1% | 4.5% |
| CORNERSTONE HOME LENDING, INC. | $59,640,000 | $44,785,000 | -24.9% | 4.3% |
| U.S. Bank | $48,970,000 | $37,300,000 | -23.8% | 3.6% |
| JPMorgan Chase Bank | $53,635,000 | $36,855,000 | -31.3% | 3.5% |
| Bank of America | $20,510,000 | $36,620,000 | 78.5% | 3.5% |
| CHERRY CREEK MORTGAGE, LLC | $30,820,000 | $31,235,000 | 1.3% | 3.0% |
| Zions Bancorporation, N.A. | $24,935,000 | $27,580,000 | 10.6% | 2.6% |
| HOME POINT FINANCIAL CORPORATION | $8,660,000 | $18,770,000 | 116.7% | 1.8% |
| LOANDEPOT.COM, LLC | $15,700,000 | $18,625,000 | 18.6% | 1.8% |
| Charles Schwab Bank, SSB | $4,175,000 | $13,900,000 | 232.9% | 1.3% |
| UBS Bank USA | $4,970,000 | $13,010,000 | 161.8% | 1.2% |
| KeyBank | $4,800,000 | $11,485,000 | 139.3% | 1.1% |
| Chicago Mortgage Solutions LLC | $8,835,000 | $11,290,000 | 27.8% | 1.1% |
| MOVEMENT MORTGAGE, LLC | $24,475,000 | $11,240,000 | -54.1% | 1.1% |
| Bank of the West | $4,295,000 | $10,975,000 | 155.5% | 1.1% |
| BETTER MORTGAGE CORPORATION | $3,795,000 | $10,295,000 | 171.3% | 1.0% |
| GUARANTEED RATE, INC. | $9,660,000 | $9,425,000 | -2.4% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,860,000 | $9,150,000 | 16.4% | 0.9% |
| Morgan Stanley Private Bank | $7,090,000 | $7,635,000 | 7.7% | 0.7% |
| Ally Bank | $2,725,000 | $7,195,000 | 164.0% | 0.7% |
| Elevations Credit Union | $7,170,000 | n/a | 0.7% | |
| AMERISAVE MORTGAGE CORPORATION | $5,065,000 | $6,630,000 | 30.9% | 0.6% |
| PNC Bank | $195,000 | $6,290,000 | 3,125.6% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $3,705,000 | $6,275,000 | 69.4% | 0.6% |
| Bank of Colorado | $6,880,000 | $5,820,000 | -15.4% | 0.6% |
| FirstBank | $1,720,000 | $5,795,000 | 236.9% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,280,000 | $5,570,000 | -23.5% | 0.5% |
| Ent Credit Union | $435,000 | $5,435,000 | 1,149.4% | 0.5% |
| MEGASTAR FINANCIAL CORP. | $4,765,000 | $5,330,000 | 11.9% | 0.5% |
| CALIBER HOME LOANS, INC. | $7,370,000 | $5,315,000 | -27.9% | 0.5% |
| NEWREZ LLC | $2,675,000 | $5,305,000 | 98.3% | 0.5% |
| Independent Bank | $275,000 | $5,010,000 | 1,721.8% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,445,000 | $4,615,000 | 3.8% | 0.4% |
| AMERICAN FINANCING CORPORATION | $3,810,000 | $4,570,000 | 19.9% | 0.4% |
| Glacier Bank | $3,285,000 | $4,435,000 | 35.0% | 0.4% |
| BROKER SOLUTIONS, INC. | $3,380,000 | $4,360,000 | 29.0% | 0.4% |
| V.I.P. MORTGAGE, INC. | $1,970,000 | $3,970,000 | 101.5% | 0.4% |
| The Huntington National Bank | $3,010,000 | $3,915,000 | 30.1% | 0.4% |
| MidFirst Bank | $3,885,000 | n/a | 0.4% | |
| Visio Financial Services Inc. | $3,850,000 | n/a | 0.4% | |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $3,190,000 | $3,830,000 | 20.1% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $8,185,000 | $3,760,000 | -54.1% | 0.4% |
| CELEBRITY HOME LOANS, LLC | $1,375,000 | $3,495,000 | 154.2% | 0.3% |
| The Park Bank | $3,410,000 | n/a | 0.3% | |
| FINANCE OF AMERICA MORTGAGE LLC | $4,135,000 | $3,400,000 | -17.8% | 0.3% |
| AIR ACADEMY | $1,545,000 | $3,295,000 | 113.3% | 0.3% |
| First National Bank of Omaha | $6,430,000 | $3,250,000 | -49.5% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $4,635,000 | $3,195,000 | -31.1% | 0.3% |
| Stifel Bank and Trust | $255,000 | $3,110,000 | 1,119.6% | 0.3% |
| Commerce Bank | $3,660,000 | $3,005,000 | -17.9% | 0.3% |
| NBKC BANK | $1,975,000 | $2,985,000 | 51.1% | 0.3% |
| Fifth Third Bank | $360,000 | $2,805,000 | 679.2% | 0.3% |
| Pinnacle Bank | $2,805,000 | n/a | 0.3% | |
| American Bank of Oklahoma | $2,725,000 | n/a | 0.3% | |
| NBH Bank | $1,780,000 | $2,690,000 | 51.1% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,620,000 | n/a | 0.3% | |
| Amerifirst Financial, Inc. | $3,290,000 | $2,555,000 | -22.3% | 0.2% |
| Associated Bank | $2,540,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $3,925,000 | $2,450,000 | -37.6% | 0.2% |
| UMB Bank | $3,605,000 | $2,325,000 | -35.5% | 0.2% |
| LENDUS, LLC | $2,300,000 | n/a | 0.2% | |
| BNY Mellon | $735,000 | $2,210,000 | 200.7% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,320,000 | $2,210,000 | 67.4% | 0.2% |
| Silicon Valley Bank | $2,200,000 | n/a | 0.2% | |
| Bank First, N.A. | $2,035,000 | n/a | 0.2% | |
| Gateway First Bank | $500,000 | $2,025,000 | 305.0% | 0.2% |
| SWBC MORTGAGE CORPORATION | $3,570,000 | $2,020,000 | -43.4% | 0.2% |
| The Home Loan Expert LLC | $700,000 | $2,005,000 | 186.4% | 0.2% |
| Regions Bank | $1,980,000 | n/a | 0.2% | |
| S1L, Inc. | $650,000 | $1,880,000 | 189.2% | 0.2% |
| Truist Bank | $865,000 | $1,820,000 | 110.4% | 0.2% |
| CIT Bank | $1,805,000 | n/a | 0.2% | |
| BLUELEAF LENDING, LLC | $820,000 | $1,795,000 | 118.9% | 0.2% |
| City National Bank of Florida | $1,785,000 | n/a | 0.2% | |
| AMERICAN ADVISORS GROUP | $810,000 | $1,750,000 | 116.0% | 0.2% |
| First Western Trust Bank | $1,765,000 | $1,730,000 | -2.0% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $6,030,000 | $1,710,000 | -71.6% | 0.2% |
| Amalgamated Bank | $1,225,000 | $1,705,000 | 39.2% | 0.2% |
| Adams Bank & Trust | $1,695,000 | n/a | 0.2% | |
| Wyndham Capital Mortgage, Inc. | $1,385,000 | $1,695,000 | 22.4% | 0.2% |
| Northpointe Bank | $2,830,000 | $1,685,000 | -40.5% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $585,000 | $1,675,000 | 186.3% | 0.2% |
| Manufacturers and Traders Trust Company | $2,815,000 | $1,675,000 | -40.5% | 0.2% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $1,900,000 | $1,610,000 | -15.3% | 0.2% |
| CMG MORTGAGE, INC. | $680,000 | $1,585,000 | 133.1% | 0.2% |
| Popular Bank | $1,540,000 | n/a | 0.1% | |
| WESTERRA CREDIT UNION | $1,035,000 | $1,520,000 | 46.9% | 0.1% |
| NAVY FEDERAL CREDIT UNION | $3,105,000 | $1,485,000 | -52.2% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,380,000 | n/a | 0.1% | |
| Meridian Bank Corporation | $1,375,000 | n/a | 0.1% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $345,000 | $1,370,000 | 297.1% | 0.1% |
| Progress Bank and Trust | $1,355,000 | n/a | 0.1% | |
| Sunflower Bank | $1,305,000 | $1,350,000 | 3.4% | 0.1% |
| Mortgage Research Center, LLC | $1,325,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $770,000 | $1,305,000 | 69.5% | 0.1% |
| SUMMIT FUNDING, INC. | $620,000 | $1,270,000 | 104.8% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,265,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $1,250,000 | n/a | 0.1% | |
| City National Bank | $1,205,000 | n/a | 0.1% | |
| NexBank | $1,205,000 | n/a | 0.1% | |
| Southern Bank | $1,205,000 | n/a | 0.1% | |
| STANFORD Federal Credit Union | $1,205,000 | n/a | 0.1% | |
| BBVA USA | $325,000 | $1,190,000 | 266.2% | 0.1% |
| THE MORTGAGE COMPANY | $1,170,000 | n/a | 0.1% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $305,000 | $1,165,000 | 282.0% | 0.1% |
| Paramount Bank | $1,160,000 | n/a | 0.1% | |
| L & N Federal Credit Union | $1,155,000 | n/a | 0.1% | |
| Plains Commerce Bank | $1,120,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $1,390,000 | $1,105,000 | -20.5% | 0.1% |
| Cadence Bank, N.A. | $1,085,000 | n/a | 0.1% | |
| Arvest Bank | $1,060,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $620,000 | $1,055,000 | 70.2% | 0.1% |
| CANVAS CREDIT UNION | $480,000 | $1,045,000 | 117.7% | 0.1% |
| The Northern Trust Company | $2,030,000 | $1,045,000 | -48.5% | 0.1% |
| Exchange Bank | $825,000 | $1,005,000 | 21.8% | 0.1% |
| Prosperity Bank | $1,005,000 | n/a | 0.1% | |
| Pinnacle Bank | $1,000,000 | n/a | 0.1% | |
| ACADEMY MORTGAGE CORPORATION | $3,315,000 | $965,000 | -70.9% | 0.1% |
| BELLCO | $115,000 | $955,000 | 730.4% | 0.1% |
| Bank of England | $1,775,000 | $940,000 | -47.0% | 0.1% |
| FirstBank | $1,720,000 | $910,000 | -47.1% | 0.1% |
| UNIVERSAL LENDING CORPORATION | $4,170,000 | $895,000 | -78.5% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $870,000 | n/a | 0.1% | |
| INLAND BANK & TRUST | $870,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $860,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $845,000 | n/a | 0.1% | |
| Northwest Farm Credit Services, FLCA | $845,000 | n/a | 0.1% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $845,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $830,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $345,000 | $795,000 | 130.4% | 0.1% |
| Raymond James Bank | $2,625,000 | $775,000 | -70.5% | 0.1% |
| UNION HOME MORTGAGE CORP. | $760,000 | n/a | 0.1% | |
| Citibank | $6,495,000 | $745,000 | -88.5% | 0.1% |
| COLORADO CREDIT UNION | $2,270,000 | $735,000 | -67.6% | 0.1% |
| Strong Home Mortgage, LLC | $485,000 | $720,000 | 48.5% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $3,205,000 | $710,000 | -77.8% | 0.1% |
| NP, Inc. | $710,000 | n/a | 0.1% | |
| The Federal Savings Bank | $970,000 | $700,000 | -27.8% | 0.1% |
| First Savings Bank | $305,000 | $680,000 | 123.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $840,000 | $675,000 | -19.6% | 0.1% |
| Citizens Bank | $425,000 | $665,000 | 56.5% | 0.1% |
| City Bank | $655,000 | n/a | 0.1% | |
| BOKF | $3,725,000 | $645,000 | -82.7% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $515,000 | $635,000 | 23.3% | 0.1% |
| NEST HOME LENDING, LLC | $635,000 | $630,000 | -0.8% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $630,000 | n/a | 0.1% | |
| Credit Union of Denver | $1,485,000 | $615,000 | -58.6% | 0.1% |
| Washington County Bank | $605,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $890,000 | $595,000 | -33.1% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $595,000 | n/a | 0.1% | |
| Financial Funding Solutions, Inc. | $205,000 | $585,000 | 185.4% | 0.1% |
| Loan Simple, Inc. | $1,155,000 | $580,000 | -49.8% | 0.1% |
| FIRST STATE MORTGAGE SERVICES, LLC | $545,000 | n/a | 0.1% | |
| J. VIRGIL, INC. | $545,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $545,000 | n/a | 0.1% | |
| SENB Bank | $1,105,000 | $545,000 | -50.7% | 0.1% |
| DHA FINANCIAL, LLC | $485,000 | $535,000 | 10.3% | 0.1% |
| First Federal Bank of Kansas City | $535,000 | n/a | 0.1% | |
| SOFI LENDING CORP. | $215,000 | $535,000 | 148.8% | 0.1% |
| LOANSNAP, INC. | $525,000 | n/a | 0.1% | |
| AMCAP MORTGAGE, LTD. | $945,000 | $510,000 | -46.0% | 0.0% |
| Deere Employees Credit Union | $105,000 | $510,000 | 385.7% | 0.0% |
| Marquette Bank | $505,000 | n/a | 0.0% | |
| GROUP MORTGAGE, LLC | $1,115,000 | $495,000 | -55.6% | 0.0% |
| Texana Bank | $485,000 | n/a | 0.0% | |
| The Security National Bank of Sioux City, Iowa | $485,000 | n/a | 0.0% | |
| Servion, Inc. | $760,000 | $480,000 | -36.8% | 0.0% |
| Beeline Loans, Inc. | $475,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $415,000 | $465,000 | 12.0% | 0.0% |
| NFM, INC. | $1,140,000 | $455,000 | -60.1% | 0.0% |
| PREMIER MEMBERS CREDIT UNION | $525,000 | $440,000 | -16.2% | 0.0% |
| American State Bank | $435,000 | n/a | 0.0% | |
| IDEAL HOME LOANS LLC | $435,000 | n/a | 0.0% | |
| LOANPAL, LLC | $215,000 | $435,000 | 102.3% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $960,000 | $425,000 | -55.7% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $345,000 | $415,000 | 20.3% | 0.0% |
| ARC HOME LLC | $155,000 | $410,000 | 164.5% | 0.0% |
| First Horizon Bank | $405,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $405,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $445,000 | $395,000 | -11.2% | 0.0% |
| MANN FINANCIAL INC. | $385,000 | n/a | 0.0% | |
| TIAA, FSB | $2,850,000 | $385,000 | -86.5% | 0.0% |
| Willamette Valley Bank | $930,000 | $375,000 | -59.7% | 0.0% |
| STEARNS LENDING, LLC | $810,000 | $365,000 | -54.9% | 0.0% |
| The Loan Store, Inc. | $365,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $625,000 | $360,000 | -42.4% | 0.0% |
| First United Bank and Trust Company | $1,570,000 | $355,000 | -77.4% | 0.0% |
| SeaTrust Mortgage Company | $355,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $300,000 | $355,000 | 18.3% | 0.0% |
| Carrollton Bank | $345,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $345,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $630,000 | $345,000 | -45.2% | 0.0% |
| FIRST TECHNOLOGY | $345,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $335,000 | n/a | 0.0% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $335,000 | n/a | 0.0% | |
| Wallick & Volk, Inc. | $540,000 | $335,000 | -38.0% | 0.0% |
| Affiliated Bank | $325,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,710,000 | $320,000 | -81.3% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $615,000 | $315,000 | -48.8% | 0.0% |
| PARKSIDE LENDING, LLC | $315,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $835,000 | $305,000 | -63.5% | 0.0% |
| KS StateBank | $285,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $815,000 | $285,000 | -65.0% | 0.0% |
| SECURITY SERVICE | $1,260,000 | $285,000 | -77.4% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $355,000 | $285,000 | -19.7% | 0.0% |
| USAA Federal Savings Bank | $2,755,000 | $285,000 | -89.7% | 0.0% |
| ANB Bank | $375,000 | $275,000 | -26.7% | 0.0% |
| FAMILY FIRST FUNDING LLC | $275,000 | n/a | 0.0% | |
| First Guaranty Mortgage Corporation | $385,000 | $275,000 | -28.6% | 0.0% |
| ON TAP | $275,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $255,000 | n/a | 0.0% | |
| Discover Bank | $275,000 | $250,000 | -9.1% | 0.0% |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $245,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $240,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $235,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $235,000 | n/a | 0.0% | |
| Renasant Bank | $225,000 | n/a | 0.0% | |
| Union Bank and Trust Company | $215,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $210,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $205,000 | n/a | 0.0% | |
| CREDIT UNION OF THE ROCKIES | $205,000 | n/a | 0.0% | |
| Magnolia Bank | $205,000 | n/a | 0.0% | |
| Figure Lending LLC | $65,000 | $200,000 | 207.7% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $2,545,000 | $185,000 | -92.7% | 0.0% |
| West Gate Bank | $185,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $155,000 | $180,000 | 16.1% | 0.0% |
| PARTNERS UNITED FINANCIAL, LLC | $375,000 | $175,000 | -53.3% | 0.0% |
| ATHAS CAPITAL GROUP, INC. | $165,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $165,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $715,000 | $155,000 | -78.3% | 0.0% |
| INLANTA MORTGAGE, INC. | $145,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $125,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $390,000 | $115,000 | -70.5% | 0.0% |
| BancFirst | $105,000 | n/a | 0.0% | |
| Red Rocks Credit Union | $220,000 | $105,000 | -52.3% | 0.0% |
| Alaska USA Federal Credit Union | $85,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $1,350,000 | $85,000 | -93.7% | 0.0% |
Steamboat Springs's top lender by overall market share is BAY EQUITY LLC, with 9.0% market share. In second place, with 5.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $61,985,000 in loans. In third place, with 5.8%, is Alpine Bank, having originated $60,050,000 in loans. In fourth place, with 5.3%, is Wells Fargo Bank, having originated $55,130,000 in loans. In fifth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $53,685,000 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 | $699,000 (17.2%) | $1,257,175 (18.4%) | 0.00 | 340 |
| 2018-02-01 | $705,875 (18.1%) | $1,264,977 (17.7%) | 0.00 | 347 |
| 2018-03-01 | $749,500 (25.8%) | $1,310,317 (25.4%) | 0.00 | 352 |
| 2018-04-01 | $680,000 (13.5%) | $1,266,737 (22.1%) | 0.00 | 367 |
| 2018-05-01 | $699,000 (17.9%) | $1,270,677 (27.2%) | 0.00 | 368 |
| 2018-06-01 | $665,000 (12.8%) | $1,246,681 (23.0%) | 0.00 | 418 |
| 2018-07-01 | $675,000 (14.6%) | $1,254,611 (22.8%) | 0.00 | 472 |
| 2018-08-01 | $696,500 (18.3%) | $1,228,500 (16.5%) | 0.00 | 487 |
| 2018-09-01 | $699,900 (7.8%) | $1,260,824 (11.3%) | 0.00 | 468 |
| 2018-10-01 | $699,000 (5.5%) | $1,274,839 (7.8%) | 0.00 | 450 |
| 2018-11-01 | $699,000 (10.7%) | $1,265,639 (13.1%) | 0.00 | 427 |
| 2018-12-01 | $699,000 (2.4%) | $1,252,381 (1.2%) | 0.00 | 419 |
| 2019-01-01 | $711,750 (1.8%) | $1,252,443 (-0.4%) | 0.00 | 411 |
| 2019-02-01 | $650,000 (-7.9%) | $1,193,626 (-5.6%) | 0.00 | 419 |
| 2019-03-01 | $654,286 (-12.7%) | $1,215,876 (-7.2%) | 0.00 | 410 |
| 2019-04-01 | $653,786 (-3.9%) | $1,221,665 (-3.6%) | 0.00 | 409 |
| 2019-05-01 | $673,750 (-3.6%) | $1,230,001 (-3.2%) | 0.00 | 407 |
| 2019-06-01 | $674,500 (1.4%) | $1,202,101 (-3.6%) | 0.00 | 484 |
| 2019-07-01 | $727,000 (7.7%) | $1,215,091 (-3.2%) | 0.00 | 536 |
| 2019-08-01 | $731,682 (5.1%) | $1,239,031 (0.9%) | 0.00 | 513 |
| 2019-09-01 | $741,705 (6.0%) | $1,284,989 (1.9%) | 0.00 | 471 |
| 2019-10-01 | $754,750 (8.0%) | $1,326,218 (4.0%) | 0.00 | 434 |
| 2019-11-01 | $770,000 (10.2%) | $1,371,511 (8.4%) | 0.00 | 394 |
| 2019-12-01 | $772,500 (10.5%) | $1,425,121 (13.8%) | 0.00 | 360 |
| 2020-01-01 | $780,500 (9.7%) | $1,475,388 (17.8%) | 0.00 | 269 |
| 2020-02-01 | $750,000 (15.4%) | $1,408,472 (18.0%) | 0.00 | 265 |
| 2020-03-01 | $736,000 (12.5%) | $1,300,613 (7.0%) | 0.00 | 287 |
| 2020-04-01 | $636,250 (-2.7%) | $1,207,909 (-1.1%) | 0.00 | 299 |
| 2020-05-01 | $649,000 (-3.7%) | $1,158,993 (-5.8%) | 0.00 | 305 |
| 2020-06-01 | $649,500 (-3.7%) | $1,115,523 (-7.2%) | 0.00 | 368 |
| 2020-07-01 | $690,000 (-5.1%) | $1,206,383 (-0.7%) | 0.00 | 347 |
| 2020-08-01 | $654,500 (-10.6%) | $1,319,374 (6.5%) | 0.00 | 276 |
| 2020-09-01 | $773,500 (4.3%) | $1,394,201 (8.5%) | 0.00 | 255 |
| 2020-10-01 | $829,000 (9.8%) | $1,421,363 (7.2%) | 0.00 | 229 |
| 2020-11-01 | $865,000 (12.3%) | $1,410,332 (2.8%) | 0.00 | 202 |
| 2020-12-01 | $842,500 (9.1%) | $1,472,164 (3.3%) | 0.00 | 186 |
| 2021-01-01 | $862,500 (10.5%) | $1,592,578 (7.9%) | 0.00 | 156 |
| 2021-02-01 | $838,250 (11.8%) | $1,521,405 (8.0%) | 0.00 | 157 |
| 2021-03-01 | $914,750 (24.3%) | $1,666,120 (28.1%) | 0.00 | 151 |
| 2021-04-01 | $885,000 (39.1%) | $1,790,438 (48.2%) | 0.00 | 122 |
| 2021-05-01 | $1,100,000 (69.5%) | $1,757,054 (51.6%) | 0.00 | 128 |
| 2021-06-01 | $877,000 (35.0%) | $1,685,540 (51.1%) | 0.00 | 136 |
| 2021-07-01 | $969,250 (40.5%) | $1,684,380 (39.6%) | 0.00 | 143 |
| 2021-08-01 | $1,096,250 (67.5%) | $1,706,121 (29.3%) | 0.00 | 143 |
| 2021-09-01 | $1,046,750 (35.3%) | $2,014,130 (44.5%) | 0.00 | 149 |
| 2021-10-01 | $1,099,500 (32.6%) | $2,104,830 (48.1%) | 0.00 | 136 |
| 2021-11-01 | $1,337,500 (54.6%) | $2,582,482 (83.1%) | 0.00 | 86 |
| 2021-12-01 | $1,457,000 (72.9%) | $2,925,163 (98.7%) | 0.00 | 82 |
| 2022-01-01 | $1,480,000 (71.6%) | $3,352,628 (110.5%) | 0.00 | 66 |
| 2022-02-01 | $1,437,500 (71.5%) | $3,529,154 (132.0%) | 0.00 | 58 |
| 2022-03-01 | $1,797,500 (96.5%) | $3,474,138 (108.5%) | 0.00 | 64 |
| 2022-04-01 | $1,435,000 (62.2%) | $2,969,432 (65.9%) | 0.00 | 63 |
| 2022-05-01 | $1,164,500 (5.9%) | $2,421,756 (37.8%) | 0.00 | 84 |
| 2022-06-01 | $1,405,750 (60.3%) | $2,361,427 (40.1%) | 0.00 | 132 |
| 2022-07-01 | $1,412,500 (45.7%) | $2,183,354 (29.6%) | 0.00 | 190 |
| 2022-08-01 | $1,314,250 (19.9%) | $1,905,424 (11.7%) | 0.00 | 186 |
| 2022-09-01 | $1,192,000 (13.9%) | $1,956,901 (-2.8%) | 0.00 | 185 |
| 2022-10-01 | $1,060,000 (-3.6%) | $1,769,415 (-15.9%) | 0.00 | 179 |
| 2022-11-01 | $978,750 (-26.8%) | $1,777,386 (-31.2%) | 0.00 | 159 |
| 2022-12-01 | $925,000 (-36.5%) | $1,730,223 (-40.9%) | 0.00 | 149 |
Steamboat Springs's median listing price for 2022-12-01 was $925,000, a difference of
$-532,000
(-36.5%) versus the prior year and
$-53,750 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 2022-12-01 was $1,730,223, a difference of $-1,194,940 (-40.9%) versus the prior year and $-47,163 versus the prior month.
For the 2022-12-01 period, Steamboat Springs had 149 MLS listings, a difference of -10 listings (-6%) versus the prior month and 67 listings (82%) versus the prior year.
Steamboat Springs's median listing price comes in at 0% of the national average.
Steamboat Springs's average listing price for 2022-12-01 was $1,730,223, a difference of $-1,194,940 (-40.9%) versus the prior year and $-47,163 versus the prior month.
For the 2022-12-01 period, Steamboat Springs had 149 MLS listings, a difference of -10 listings (-6%) versus the prior month and 67 listings (82%) 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 | 2,292 sqft |
| 2018-02-01 | 0 days | 2,294 sqft |
| 2018-03-01 | 0 days | 2,302 sqft |
| 2018-04-01 | 0 days | 2,227 sqft |
| 2018-05-01 | 0 days | 2,349 sqft |
| 2018-06-01 | 0 days | 2,232 sqft |
| 2018-07-01 | 0 days | 2,236 sqft |
| 2018-08-01 | 0 days | 2,187 sqft |
| 2018-09-01 | 0 days | 2,276 sqft |
| 2018-10-01 | 0 days | 2,215 sqft |
| 2018-11-01 | 0 days | 2,141 sqft |
| 2018-12-01 | 0 days | 2,016 sqft |
| 2019-01-01 | 0 days | 2,016 sqft |
| 2019-02-01 | 0 days | 1,834 sqft |
| 2019-03-01 | 0 days | 1,856 sqft |
| 2019-04-01 | 0 days | 1,901 sqft |
| 2019-05-01 | 0 days | 2,045 sqft |
| 2019-06-01 | 0 days | 2,074 sqft |
| 2019-07-01 | 0 days | 2,182 sqft |
| 2019-08-01 | 0 days | 2,229 sqft |
| 2019-09-01 | 0 days | 2,300 sqft |
| 2019-10-01 | 0 days | 2,347 sqft |
| 2019-11-01 | 0 days | 2,395 sqft |
| 2019-12-01 | 0 days | 2,364 sqft |
| 2020-01-01 | 0 days | 2,370 sqft |
| 2020-02-01 | 0 days | 2,372 sqft |
| 2020-03-01 | 0 days | 2,306 sqft |
| 2020-04-01 | 0 days | 2,106 sqft |
| 2020-05-01 | 0 days | 2,071 sqft |
| 2020-06-01 | 0 days | 2,171 sqft |
| 2020-07-01 | 0 days | 2,216 sqft |
| 2020-08-01 | 0 days | 2,267 sqft |
| 2020-09-01 | 0 days | 2,300 sqft |
| 2020-10-01 | 0 days | 2,290 sqft |
| 2020-11-01 | 0 days | 2,288 sqft |
| 2020-12-01 | 0 days | 2,297 sqft |
| 2021-01-01 | 0 days | 2,371 sqft |
| 2021-02-01 | 0 days | 2,356 sqft |
| 2021-03-01 | 0 days | 2,371 sqft |
| 2021-04-01 | 0 days | 2,470 sqft |
| 2021-05-01 | 0 days | 2,427 sqft |
| 2021-06-01 | 0 days | 2,391 sqft |
| 2021-07-01 | 0 days | 2,540 sqft |
| 2021-08-01 | 0 days | 2,549 sqft |
| 2021-09-01 | 0 days | 2,294 sqft |
| 2021-10-01 | 0 days | 2,307 sqft |
| 2021-11-01 | 0 days | 3,002 sqft |
| 2021-12-01 | 0 days | 3,127 sqft |
| 2022-01-01 | 0 days | 3,024 sqft |
| 2022-02-01 | 0 days | 2,831 sqft |
| 2022-03-01 | 0 days | 3,019 sqft |
| 2022-04-01 | 0 days | 2,545 sqft |
| 2022-05-01 | 0 days | 2,351 sqft |
| 2022-06-01 | 0 days | 2,577 sqft |
| 2022-07-01 | 0 days | 2,409 sqft |
| 2022-08-01 | 0 days | 2,300 sqft |
| 2022-09-01 | 0 days | 2,289 sqft |
| 2022-10-01 | 0 days | 2,069 sqft |
| 2022-11-01 | 0 days | 2,042 sqft |
| 2022-12-01 | 0 days | 2,028 sqft |
Steamboat Springs's median listing age (time on market) for 2022-12-01 was 0 days.
Steamboat Springs's median square footage for active listings during the 2022-12-01 period was 2,028 sqft. One year prior, the average listing was 3,127 sqft.
Steamboat Springs's median square footage for active listings during the 2022-12-01 period was 2,028 sqft. One year prior, the average listing was 3,127 sqft.
Steamboat Springs, CO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 809 | $336,635,000 | $416,112 |
| Home Purchase | 751 | $453,975,000 | $604,494 |
| Cash Out Refi | 424 | $173,740,000 | $409,764 |
| Home Improvement | 90 | $21,100,000 | $234,444 |
| Other | 86 | $56,950,000 | $662,209 |
Steamboat Springs's most frequently cited loan purpose was Refi, with 809 originations. The 2nd most popular reason was Home Purchase, with 751 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 952 | $460,130,000 | $483,330 |
| 3-4% | 719 | $334,335,000 | $465,000 |
| <2.5% | 368 | $203,370,000 | $552,636 |
| 4-5% | 87 | $32,555,000 | $374,195 |
| 5-6% | 12 | $2,690,000 | $224,167 |
| 6-7% | 10 | $3,010,000 | $301,000 |
| 7-8% | 4 | $410,000 | $102,500 |
| Over 8% | 2 | $290,000 | $145,000 |
During 2021, Steamboat Springs's most frequently originated rate bucket was 2.5-3%, with 952 originations.
Loan Sizing (Steamboat Springs, CO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 876 | $262,150,000 | $299,258 |
| $400k-600k | 523 | $255,175,000 | $487,906 |
| $600k-1000k | 302 | $222,150,000 | $735,596 |
| $100k-200k | 231 | $35,935,000 | $155,563 |
| $Over $1MM | 169 | $263,845,000 | $1,561,213 |
| $100,000 or less | 59 | $3,145,000 | $53,305 |
Steamboat Springs's loan sizing saw the bucket of loans from $200k-400k with 876 originations, totaling $262,150,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 719 | $413,075,000 | $574,513 |
| 40-60% | 566 | $273,870,000 | $483,869 |
| 20-40% | 367 | $145,265,000 | $395,817 |
| 80-100% | 321 | $169,105,000 | $526,807 |
| Under 20% | 159 | $26,755,000 | $168,270 |
| Over 100% | 5 | $3,395,000 | $679,000 |
Steamboat Springs's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 719 originations, totaling $413,075,000 in origination value.