Steamboat Springs Mortgage Rates

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

30 Year Fixed Rate mortgages in Steamboat Springs averaged 5.55% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.96% and one month ago for the week of 2022-05-26, the average rate was 5.15%.

Steamboat Springs's average rate one year ago was 3.28%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.7%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Steamboat Springs 30 Year Fixed Rate 2022-06-30 5.55%
Steamboat Springs 30 Year Fixed Rate Refi 2022-06-30 5.7%
Steamboat Springs 15 Year Fixed Rate 2022-06-30 5.07%
Steamboat Springs 15 Year Fixed Rate Refi 2022-06-30 4.97%
Steamboat Springs 30 Year FHA 2022-06-30 5.38%
Steamboat Springs 30 Year FHA Refi 2022-06-30 5.64%
Steamboat Springs 30 Year USDA 2022-06-30 5.51%
Steamboat Springs 30 Year USDA Refi 2022-06-30 4.41%
Steamboat Springs 30 Year VA 2022-06-30 5.52%
Steamboat Springs 30 Year VA Refi 2022-06-30 5.14%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
BAY EQUITY LLC 184 3.15% $4,250
UNITED WHOLESALE MORTGAGE, LLC 102 3.01% $3,826
GUILD MORTGAGE COMPANY 101 3.09% $6,001
QUICKEN LOANS, LLC 97 2.95% $5,382
CORNERSTONE HOME LENDING, INC. 93 3.14% $4,350
Wells Fargo Bank 65 2.85% $4,077
Alpine Bank 58 3.33% $5,208
CHERRY CREEK MORTGAGE, LLC 56 3.20% $1,469
U.S. Bank 35 2.84% $3,666
HOME POINT FINANCIAL CORPORATION 34 2.85% $3,825
JPMorgan Chase Bank 34 2.85% $4,006
Bank of America 28 2.50% $3,794
LOANDEPOT.COM, LLC 27 2.91% $5,456
Zions Bancorporation, N.A. 23 3.02% $3,140
MOVEMENT MORTGAGE, LLC 19 3.15% $4,168
BETTER MORTGAGE CORPORATION 17 2.88% $2,250
Chicago Mortgage Solutions LLC 17 2.76% $3,350
Elevations Credit Union 16 2.97% $2,946
GUARANTEED RATE, INC. 15 3.02% $3,905
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 3.15% $4,996
Charles Schwab Bank, SSB 13 2.43% $3,157
PENNYMAC LOAN SERVICES, LLC 13 2.90% $4,716
MEGASTAR FINANCIAL CORP. 12 3.10% $4,438
AMERISAVE MORTGAGE CORPORATION 12 2.87% $3,281
CALIBER HOME LOANS, INC. 10 2.98% $3,569
KeyBank 10 2.81% $4,933
Mr. Cooper ( Nationstar Mortgage ) 10 3.19% $4,791
UBS Bank USA 10 2.78% $4,591
AMERICAN FINANCING CORPORATION 9 3.01% $5,293
NEWREZ LLC 8 3.28% $5,368
Ally Bank 7 2.57% $11,693
BROKER SOLUTIONS, INC. 7 3.10% $4,982
Morgan Stanley Private Bank 7 2.63% $4,362
CROSSCOUNTRY MORTGAGE, LLC 7 3.09% $4,714
Stifel Bank and Trust 6 2.63% $2,769
V.I.P. MORTGAGE, INC. 6 3.42% $5,730
Flagstar Bank, FSB 6 3.16% $4,107
Bank of the West 5 2.75% $5,391
CELEBRITY HOME LOANS, LLC 5 3.30% $4,415
FINANCE OF AMERICA MORTGAGE LLC 5 3.10% $4,965
Wyndham Capital Mortgage, Inc. 5 2.95% $1,443
NBKC BANK 5 2.90% $4,292
NBH Bank 5 3.09% $3,516
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 2.78% $4,138
PNC Bank 5 2.85% $4,809
FirstBank 5 3.08% $7,235
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.12% $6,540
The Huntington National Bank 4 2.58% $6,863
Bank of Colorado 4 3.27% $10,462
S1L, Inc. 4 2.88% $4,003
Glacier Bank 4 3.56% $4,909
PROVIDENT FUNDING ASSOCIATES, L.P. 4 2.81% $3,011
Paramount Residential Mortgage Group, Inc. 4 3.22% $4,008
First Western Trust Bank 4 3.25% $3,956
Ent Credit Union 4 3.06% $4,618
DRAPER AND KRAMER MORTGAGE CORP. 3 2.96% $2,895
First National Bank of Omaha 3 3.21% $3,056
Independent Bank 3 2.96% $4,776
WESTERRA CREDIT UNION 3 3.17% $3,065
UMB Bank 3 2.90% $2,918
CHURCHILL MORTGAGE CORPORATION 3 3.08% $3,999
Northpointe Bank 3 3.33% $3,714
Commerce Bank 3 2.96% $2,504
AIR ACADEMY 3 2.75% $4,359
LAKEVIEW LOAN SERVICING, LLC 2 2.75% $2,616
Adams Bank & Trust 2 2.81% $3,246
American Mortgage & Equity Consultants, Inc. 2 3.38% $5,384
AMERICAN PACIFIC MORTGAGE CORPORATION 2 3.06% $7,481
Amerifirst Financial, Inc. 2 3.06% $10,544
Arvest Bank 2 3.06% $4,565
Associated Bank 2 3.19% $3,692
Bank of England 2 3.06% $5,256
BLUELEAF LENDING, LLC 2 2.88% $3,563
BNY Mellon 2 2.75% $4,508
Carrington Mortgage Services, LLC 2 3.38% $6,466
CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION 2 2.94% $3,805
Gateway First Bank 2 3.00% $6,570
GUARANTEED RATE AFFINITY, LLC 2 2.81% $4,979
HSBC BANK USA, NATIONAL ASSOCIATION 2 3.44% $3,810
INLAND BANK & TRUST 2 3.31% $3,296
LENDSURE MORTGAGE CORP. 2 4.50% $20,119
LENDUS, LLC 2 3.31% $7,382
Manufacturers and Traders Trust Company 2 2.94% $3,952
MidFirst Bank 2 2.90% $8,592
NAVY FEDERAL CREDIT UNION 2 2.75% $15,560
NETWORK CAPITAL FUNDING CORPORATION 2 3.06% $1,511
Plains Commerce Bank 2 3.25% $10,172
PLANET HOME LENDING, LLC 2 2.94% $2,691
Popular Bank 2 2.88% $4,546
Regions Bank 2 2.81% $3,716
Silicon Valley Bank 2 2.75% $3,289
Strong Home Mortgage, LLC 2 2.56% $4,247
SWBC MORTGAGE CORPORATION 2 3.19% $2,552
T2 FINANCIAL LLC 2 3.25% $6,422
The Federal Savings Bank 2 2.88% $3,410
The Home Loan Expert LLC 2 2.81% $3,690
THE MORTGAGE COMPANY 2 3.31% $7,861
The Park Bank 2 2.81% $3,870
UNION HOME MORTGAGE CORP. 2 2.81% $3,946
Loan Simple, Inc. 1 3.25% $3,089
LOANSNAP, INC. 1 2.88% $1,379
Magnolia Bank 1 4.00% $4,480
MANN FINANCIAL INC. 1 3.63% $6,660
Truist Bank 1 3.38% $4,021
First Federal Bank of Kansas City 1 2.88% $5,049
BOKF 1 3.00% $3,688
FirstBank 1 2.63% $1,819
Financial Funding Solutions, Inc. 1 3.25% $7,961
Fifth Third Bank 1 2.25% $14,617
Discover Bank 1 3.99% $0
Beeline Loans, Inc. 1 2.88% $3,592
DHA FINANCIAL, LLC 1 3.13% $3,195
Deere Employees Credit Union 1 2.38% $2,531
NEST HOME LENDING, LLC 1 3.38% $5,925
Union Bank and Trust Company 1 2.50% $2,763
Commerce Home Mortgage, Inc. 1 3.50% $3,311
NexBank 1 3.00% $2,283
NFM, INC. 1 3.25% $12,528
CMG MORTGAGE, INC. 1 3.13% $5,091
Northwest Farm Credit Services, FLCA 1 3.55% $12,434
NP, Inc. 1 2.75% $2,619
ON TAP 1 2.75% $3,153
Paramount Bank 1 2.63% $3,807
City National Bank of Florida 1 2.88% $5,740
PARKSIDE LENDING, LLC 1 2.88% $2,662
PARTNERS UNITED FINANCIAL, LLC 1 2.88% $2,938
City National Bank 1 2.46% $3,700
PENTAGON FEDERAL CREDIT UNION 1 2.75% $2,642
Affiliated Bank 1 2.75% $2,905
BBVA USA 1 2.75% $3,520
PLAZA HOME MORTGAGE, INC. 1 4.00% $3,781
Citizens Bank 1 2.88% $3,348
USAA Federal Savings Bank 1 2.75% $6,944
PREMIER MEMBERS CREDIT UNION 1 2.63% $10,549
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.25% $3,235
Prosperity Bank 1 3.00% $4,136
Citibank 1 3.00% $2,695
CIT Bank 1 3.25% $9,112
Raymond James Bank 1 2.75% $2,804
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 2.88% $15,361
Barrington Bank & Trust Company, N.A. 1 3.13% $4,106
Renasant Bank 1 2.75% $2,401
Century Mortgage Company DBA Century Lending Company 1 3.25% $3,025
SeaTrust Mortgage Company 1 3.38% $3,821
SECURITY SERVICE 1 3.00% $1,630
SENB Bank 1 2.63% $3,006
Servion, Inc. 1 2.75% $3,153
Signature Federal Credit Union 1 2.88% $5,969
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.63% $12,856
SOFI LENDING CORP. 1 2.88% $2,326
Southern Bank 1 3.95% $2,359
STANFORD Federal Credit Union 1 2.63% $3,509
STEARNS LENDING, LLC 1 3.13% $4,570
CALCON MUTUAL MORTGAGE LLC 1 2.25% $8,320
Wallick & Volk, Inc. 1 3.50% $6,379
SUMMIT FUNDING, INC. 1 2.75% $8,813
Sunflower Bank 1 3.00% $4,637
AMERICAN FINANCIAL NETWORK, INC. 1 3.88% $112,323
AMCAP MORTGAGE, LTD. 1 2.88% $6,414
Texana Bank 1 2.50% $3,242
West Gate Bank 1 2.63% $2,264
Willamette Valley Bank 1 3.00% $3,374
Cadence Bank, N.A. 1 3.00% $8,321
The Loan Store, Inc. 1 2.63% $2,129
GROUP MORTGAGE, LLC 1 3.25% $3,690
Amalgamated Bank 1 2.50% $4,087
GREAT WESTERN FINANCIAL SERVICES, INC. 1 2.75% $3,821
FREEDOM MORTGAGE CORPORATION 1 2.88% $2,377
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 2.88% $8,727
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.63% $2,482
Franklin Loan Corporation 1 3.50% $8,686
HOMEXPRESS MORTGAGE CORP. 1 5.50% $3,311
The Northern Trust Company 1 2.75% $3,798
IDEAL HOME LOANS LLC 1 2.75% $3,677
First United Bank and Trust Company 1 3.38% $3,494
ZILLOW HOME LOANS, LLC 1 3.25% $4,028
INLANTA MORTGAGE, INC. 1 2.75% $2,688
FIRST STATE MORTGAGE SERVICES, LLC 1 3.25% $4,323
J. VIRGIL, INC. 1 2.50% $3,878
First Savings Bank 1 3.00% $3,025
ACADEMY MORTGAGE CORPORATION 1 2.88% $3,315
LEADERONE FINANCIAL CORPORATION 1 2.75% $3,010
TIAA, FSB 1 2.75% $10,386
TOP FLITE FINANCIAL, INC. 1 3.50% $27,402
First Horizon Bank 1 4.38% $2,357
LOANPAL, LLC 1 3.25% $10,721

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.

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 Lender 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 third place, with 5.3%, is Wells Fargo Bank, having originated $55,130,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $53,685,000 in loans.


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.


Market Conditions (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 $649,000 (16.1%) $1,226,352 (24.8%) 0.00 350
2018-02-01 $662,000 (19.9%) $1,251,464 (28.2%) 0.00 352
2018-03-01 $675,000 (22.8%) $1,293,135 (34.9%) 0.00 365
2018-04-01 $634,500 (11.5%) $1,254,282 (30.3%) 0.00 372
2018-05-01 $647,000 (17.9%) $1,265,277 (36.9%) 0.00 373
2018-06-01 $625,000 (10.8%) $1,244,036 (31.4%) 0.00 422
2018-07-01 $650,000 (18.2%) $1,269,507 (33.3%) 0.00 478
2018-08-01 $675,000 (23.4%) $1,254,905 (28.7%) 0.00 488
2018-09-01 $695,000 (20.9%) $1,283,518 (21.3%) 0.00 471
2018-10-01 $694,900 (16.4%) $1,298,905 (17.9%) 0.00 454
2018-11-01 $691,950 (11.6%) $1,291,844 (10.2%) 0.00 432
2018-12-01 $679,000 (6.7%) $1,272,121 (6.8%) 0.00 426
2019-01-01 $682,000 (5.1%) $1,252,381 (2.1%) 0.00 425
2019-02-01 $622,450 (-6.0%) $1,201,332 (-4.0%) 0.00 432
2019-03-01 $628,086 (-7.0%) $1,228,084 (-5.0%) 0.00 419
2019-04-01 $618,086 (-2.6%) $1,236,286 (-1.4%) 0.00 421
2019-05-01 $644,450 (-0.4%) $1,242,861 (-1.8%) 0.00 418
2019-06-01 $649,000 (3.8%) $1,209,910 (-2.7%) 0.00 500
2019-07-01 $679,000 (4.5%) $1,224,690 (-3.5%) 0.00 549
2019-08-01 $685,857 (1.6%) $1,223,857 (-2.5%) 0.00 530
2019-09-01 $696,000 (0.1%) $1,237,015 (-3.6%) 0.00 488
2019-10-01 $697,000 (0.3%) $1,292,031 (-0.5%) 0.00 447
2019-11-01 $699,000 (1.0%) $1,331,133 (3.0%) 0.00 404
2019-12-01 $749,750 (10.4%) $1,390,105 (9.3%) 0.00 363
2020-01-01 $747,500 (9.6%) $1,404,795 (12.2%) 0.00 278
2020-02-01 $725,000 (16.5%) $1,358,305 (13.1%) 0.00 276
2020-03-01 $679,500 (8.2%) $1,242,306 (1.2%) 0.00 302
2020-04-01 $599,500 (-3.0%) $1,184,395 (-4.2%) 0.00 313
2020-05-01 $619,900 (-3.8%) $1,142,294 (-8.1%) 0.00 315
2020-06-01 $620,000 (-4.5%) $1,103,138 (-8.8%) 0.00 376
2020-07-01 $657,500 (-3.2%) $1,184,385 (-3.3%) 0.00 352
2020-08-01 $599,900 (-12.5%) $1,290,228 (5.4%) 0.00 277
2020-09-01 $649,500 (-6.7%) $1,348,364 (9.0%) 0.00 259
2020-10-01 $760,000 (9.0%) $1,360,032 (5.3%) 0.00 231
2020-11-01 $814,500 (16.5%) $1,355,983 (1.9%) 0.00 204
2020-12-01 $769,000 (2.6%) $1,417,326 (2.0%) 0.00 190
2021-01-01 $699,000 (-6.5%) $1,535,434 (9.3%) 0.00 159
2021-02-01 $679,950 (-6.2%) $1,499,508 (10.4%) 0.00 151
2021-03-01 $822,000 (21.0%) $1,659,293 (33.6%) 0.00 144
2021-04-01 $852,000 (42.1%) $1,767,178 (49.2%) 0.00 119
2021-05-01 $925,000 (49.2%) $1,703,251 (49.1%) 0.00 127
2021-06-01 $852,500 (37.5%) $1,642,047 (48.9%) 0.00 135
2021-07-01 $924,500 (40.6%) $1,621,774 (36.9%) 0.00 143
2021-08-01 $974,000 (62.4%) $1,614,324 (25.1%) 0.00 147
2021-09-01 $982,500 (51.3%) $1,865,834 (38.4%) 0.00 148
2021-10-01 $950,000 (25.0%) $1,900,499 (39.7%) 0.00 139
2021-11-01 $1,299,500 (59.6%) $2,286,156 (68.6%) 0.00 90
2021-12-01 $1,325,000 (72.3%) $2,716,950 (91.7%) 0.00 86
2022-01-01 $1,299,999 (86.0%) $3,146,287 (104.9%) 0.00 68
2022-02-01 $1,285,000 (89.0%) $3,195,191 (113.1%) 0.00 61
2022-03-01 $1,572,000 (91.2%) $3,298,556 (98.8%) 0.00 66
2022-04-01 $1,375,000 (61.4%) $2,963,779 (67.7%) 0.00 65
2022-05-01 $1,139,500 (23.2%) $2,502,742 (46.9%) 0.00 82
2022-06-01 $1,375,000 (61.3%) $2,424,303 (47.6%) 0.00 129
Steamboat Springs's median listing price for 2022-06-01 was $1,375,000, a difference of $522,500 (61.3%) versus the prior year and $235,500 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 2022-06-01 was $2,424,303, a difference of $782,256 (47.6%) versus the prior year and $-78,439 versus the prior month.

For the 2022-06-01 period, Steamboat Springs had 129 MLS listings, a difference of 47 listings (57%) versus the prior month and -6 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 2,259 sqft
2018-02-01 0 days 2,278 sqft
2018-03-01 0 days 2,286 sqft
2018-04-01 0 days 2,227 sqft
2018-05-01 0 days 2,339 sqft
2018-06-01 0 days 2,279 sqft
2018-07-01 0 days 2,245 sqft
2018-08-01 0 days 2,218 sqft
2018-09-01 0 days 2,279 sqft
2018-10-01 0 days 2,240 sqft
2018-11-01 0 days 2,179 sqft
2018-12-01 0 days 2,024 sqft
2019-01-01 0 days 2,016 sqft
2019-02-01 0 days 1,868 sqft
2019-03-01 0 days 1,889 sqft
2019-04-01 0 days 1,910 sqft
2019-05-01 0 days 2,007 sqft
2019-06-01 0 days 2,039 sqft
2019-07-01 0 days 2,134 sqft
2019-08-01 0 days 2,208 sqft
2019-09-01 0 days 2,301 sqft
2019-10-01 0 days 2,298 sqft
2019-11-01 0 days 2,311 sqft
2019-12-01 0 days 2,316 sqft
2020-01-01 0 days 2,304 sqft
2020-02-01 0 days 2,316 sqft
2020-03-01 0 days 2,286 sqft
2020-04-01 0 days 2,135 sqft
2020-05-01 0 days 2,102 sqft
2020-06-01 0 days 2,194 sqft
2020-07-01 0 days 2,211 sqft
2020-08-01 0 days 2,229 sqft
2020-09-01 0 days 2,281 sqft
2020-10-01 0 days 2,279 sqft
2020-11-01 0 days 2,272 sqft
2020-12-01 0 days 2,290 sqft
2021-01-01 0 days 2,355 sqft
2021-02-01 0 days 2,327 sqft
2021-03-01 0 days 2,371 sqft
2021-04-01 0 days 2,445 sqft
2021-05-01 0 days 2,427 sqft
2021-06-01 0 days 2,382 sqft
2021-07-01 0 days 2,518 sqft
2021-08-01 0 days 2,540 sqft
2021-09-01 0 days 2,347 sqft
2021-10-01 0 days 2,312 sqft
2021-11-01 0 days 2,916 sqft
2021-12-01 0 days 2,784 sqft
2022-01-01 0 days 2,933 sqft
2022-02-01 0 days 2,707 sqft
2022-03-01 0 days 2,758 sqft
2022-04-01 0 days 2,464 sqft
2022-05-01 0 days 2,356 sqft
2022-06-01 0 days 2,567 sqft
Steamboat Springs's median listing age (time on market) for 2022-06-01 was 0 days.

Steamboat Springs's median square footage for active listings during the 2022-06-01 period was 2,567 sqft. One year prior, the average listing was 2,382 sqft.