Steamboat Springs Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Steamboat Springs averaged
6.1%
for the week of 2023-06-01, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2023-05-25) was
5.98% and
one month ago for the week of 2023-04-27, the
average rate was 5.74%.
Steamboat Springs's average rate one year ago was 4.61%.
For refis of the same type during the week of 2023-06-01, the average rate
was 5.35%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-06-01 | 6.79% |
| Steamboat Springs 30 Year Fixed Rate | 2023-06-01 | 6.1% |
| Steamboat Springs 30 Year Fixed Rate Refi | 2023-06-01 | 5.35% |
| Steamboat Springs 15 Year Fixed Rate | 2023-06-01 | 6.28% |
| Steamboat Springs 15 Year Fixed Rate Refi | 2023-06-01 | 6.58% |
| Steamboat Springs 30 Year FHA | 2023-06-01 | 0.1% |
| Steamboat Springs 30 Year FHA Refi | 2023-06-01 | 0.2% |
| Steamboat Springs 30 Year USDA | 2023-06-01 | 0.1% |
| Steamboat Springs 30 Year USDA Refi | 2023-06-01 | 0.1% |
| Steamboat Springs 30 Year VA | 2023-06-01 | 0% |
| Steamboat Springs 30 Year VA Refi | 2023-06-01 | 0.1% |
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 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 Bancorporation, N.A. ($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 Bancorporation, N.A. (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 | $696,750 (16.8%) | $1,247,793 (17.6%) | 0.00 | 340 |
| 2018-02-01 | $685,000 (14.6%) | $1,242,056 (15.6%) | 0.00 | 347 |
| 2018-03-01 | $724,950 (21.7%) | $1,297,496 (24.1%) | 0.00 | 352 |
| 2018-04-01 | $680,000 (13.5%) | $1,264,848 (21.9%) | 0.00 | 367 |
| 2018-05-01 | $698,000 (17.8%) | $1,260,765 (26.2%) | 0.00 | 368 |
| 2018-06-01 | $655,000 (11.1%) | $1,244,671 (22.8%) | 0.00 | 418 |
| 2018-07-01 | $675,000 (14.6%) | $1,250,941 (22.4%) | 0.00 | 472 |
| 2018-08-01 | $695,750 (18.1%) | $1,226,424 (16.3%) | 0.00 | 487 |
| 2018-09-01 | $699,950 (7.9%) | $1,262,831 (11.5%) | 0.00 | 468 |
| 2018-10-01 | $699,000 (5.5%) | $1,269,407 (7.3%) | 0.00 | 450 |
| 2018-11-01 | $699,000 (12.7%) | $1,263,319 (14.1%) | 0.00 | 427 |
| 2018-12-01 | $699,000 (4.5%) | $1,250,386 (4.3%) | 0.00 | 419 |
| 2019-01-01 | $699,250 (0.4%) | $1,247,267 (0.0%) | 0.00 | 411 |
| 2019-02-01 | $651,250 (-4.9%) | $1,198,196 (-3.5%) | 0.00 | 419 |
| 2019-03-01 | $654,286 (-9.8%) | $1,212,792 (-6.5%) | 0.00 | 410 |
| 2019-04-01 | $653,786 (-3.9%) | $1,221,270 (-3.5%) | 0.00 | 409 |
| 2019-05-01 | $673,750 (-3.5%) | $1,230,001 (-2.4%) | 0.00 | 407 |
| 2019-06-01 | $674,500 (3.0%) | $1,202,101 (-3.4%) | 0.00 | 484 |
| 2019-07-01 | $727,000 (7.7%) | $1,215,091 (-2.9%) | 0.00 | 536 |
| 2019-08-01 | $731,682 (5.2%) | $1,239,031 (1.0%) | 0.00 | 513 |
| 2019-09-01 | $741,705 (6.0%) | $1,284,989 (1.8%) | 0.00 | 471 |
| 2019-10-01 | $754,750 (8.0%) | $1,326,218 (4.5%) | 0.00 | 434 |
| 2019-11-01 | $770,000 (10.2%) | $1,371,511 (8.6%) | 0.00 | 394 |
| 2019-12-01 | $772,500 (10.5%) | $1,425,121 (14.0%) | 0.00 | 360 |
| 2020-01-01 | $780,500 (11.6%) | $1,475,388 (18.3%) | 0.00 | 269 |
| 2020-02-01 | $750,000 (15.2%) | $1,408,514 (17.6%) | 0.00 | 265 |
| 2020-03-01 | $736,000 (12.5%) | $1,300,613 (7.2%) | 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 | $893,500 (37.6%) | $1,690,006 (51.5%) | 0.00 | 137 |
| 2021-07-01 | $989,000 (43.3%) | $1,684,380 (39.6%) | 0.00 | 144 |
| 2021-08-01 | $1,096,250 (67.5%) | $1,706,121 (29.3%) | 0.00 | 143 |
| 2021-09-01 | $1,039,000 (34.3%) | $2,014,130 (44.5%) | 0.00 | 150 |
| 2021-10-01 | $1,087,250 (31.2%) | $2,097,144 (47.5%) | 0.00 | 137 |
| 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 | $1,452,500 (68.4%) | $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 (57.3%) | $2,361,427 (39.7%) | 0.00 | 132 |
| 2022-07-01 | $1,412,500 (42.8%) | $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 (14.7%) | $1,956,901 (-2.8%) | 0.00 | 185 |
| 2022-10-01 | $1,060,000 (-2.5%) | $1,769,415 (-15.6%) | 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 |
| 2023-01-01 | $1,007,493 (-30.6%) | $1,803,240 (-46.2%) | 0.00 | 132 |
| 2023-02-01 | $1,000,000 (-30.4%) | $1,923,152 (-45.5%) | 0.00 | 116 |
| 2023-03-01 | $998,745 (-44.4%) | $1,914,377 (-44.9%) | 0.00 | 106 |
| 2023-04-01 | $1,150,000 (-19.9%) | $1,971,005 (-33.6%) | 0.00 | 95 |
| 2023-05-01 | $1,128,500 (-3.1%) | $1,972,332 (-18.6%) | 0.00 | 101 |
Steamboat Springs's median listing price comes in at 0% of the national average.
Steamboat Springs's average listing price for 2023-05-01 was $1,972,332, a difference of $-449,424 (-18.6%) versus the prior year and $1,327 versus the prior month.
For the 2023-05-01 period, Steamboat Springs had 101 MLS listings, a difference of 6 listings (6%) versus the prior month and 17 listings (20%) 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 | 2,290 sqft |
| 2018-02-01 | 0 days | 2,285 sqft |
| 2018-03-01 | 0 days | 2,285 sqft |
| 2018-04-01 | 0 days | 2,228 sqft |
| 2018-05-01 | 0 days | 2,331 sqft |
| 2018-06-01 | 0 days | 2,256 sqft |
| 2018-07-01 | 0 days | 2,238 sqft |
| 2018-08-01 | 0 days | 2,180 sqft |
| 2018-09-01 | 0 days | 2,278 sqft |
| 2018-10-01 | 0 days | 2,212 sqft |
| 2018-11-01 | 0 days | 2,159 sqft |
| 2018-12-01 | 0 days | 2,020 sqft |
| 2019-01-01 | 0 days | 2,018 sqft |
| 2019-02-01 | 0 days | 1,841 sqft |
| 2019-03-01 | 0 days | 1,848 sqft |
| 2019-04-01 | 0 days | 1,900 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 | 2,429 sqft |
| 2021-07-01 | 0 days | 2,551 sqft |
| 2021-08-01 | 0 days | 2,549 sqft |
| 2021-09-01 | 0 days | 2,291 sqft |
| 2021-10-01 | 0 days | 2,302 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 |
| 2023-01-01 | 0 days | 2,065 sqft |
| 2023-02-01 | 0 days | 2,248 sqft |
| 2023-03-01 | 0 days | 2,176 sqft |
| 2023-04-01 | 0 days | 2,253 sqft |
| 2023-05-01 | 0 days | 2,071 sqft |
Steamboat Springs's median square footage for active listings during the 2023-05-01 period was 2,071 sqft. One year prior, the average listing was 2,351 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.