Steamboat Springs Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Steamboat Springs averaged 6.48% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.47% and one month ago for the week of 2024-11-07, the average rate was 6.57%.

    Steamboat Springs's average rate one year ago was 7.21%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.9%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Steamboat Springs 30 Year Fixed Rate 2024-12-12 6.48%
    Steamboat Springs 30 Year Fixed Rate Refi 2024-12-12 6.9%
    Steamboat Springs 15 Year Fixed Rate 2024-12-12 6.04%
    Steamboat Springs 15 Year Fixed Rate Refi 2024-12-12 5.94%
    Steamboat Springs 30 Year FHA 2024-12-12 6.28%
    Steamboat Springs 30 Year FHA Refi 2024-12-12 6.58%
    Steamboat Springs 30 Year USDA 2024-12-12 6.5%
    Steamboat Springs 30 Year USDA Refi 2024-12-12 6.2%
    Steamboat Springs 30 Year VA 2024-12-12 6.28%
    Steamboat Springs 30 Year VA Refi 2024-12-12 6.08%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 49 6.82% $8,806
    NFM, INC. 46 7.19% $9,340
    GROUP MORTGAGE, LLC 21 7.15% $9,650
    UNITED WHOLESALE MORTGAGE, LLC 18 6.59% $8,506
    Alpine Bank 16 7.50% $8,500
    U.S. Bank 14 6.29% $8,309
    QUICKEN LOANS, LLC 13 6.55% $10,575
    Wells Fargo Bank 11 5.78% $5,986
    Zions Bank 8 5.52% $4,116
    UBS Bank USA 8 6.03% $5,214
    Morgan Stanley Private Bank 6 5.88% $3,376
    The Huntington National Bank 6 6.67% $3,701
    Bank of America 6 5.92% $5,817
    Elevations Credit Union 6 6.79% $3,194
    MOVEMENT MORTGAGE, LLC 6 7.31% $4,724
    Citibank 5 5.23% $4,029
    JPMorgan Chase Bank 5 5.83% $6,076
    Ally Bank 3 5.71% $16,029
    V.I.P. MORTGAGE, INC. 3 7.38% $6,747
    American Mortgage & Equity Consultants, Inc. 3 6.50% $9,786
    GUILD MORTGAGE COMPANY 3 6.87% $13,042
    Charles Schwab Bank, SSB 3 5.68% $3,150
    SWBC MORTGAGE CORPORATION 3 7.13% $7,719
    PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.56% $15,598
    First Western Trust Bank 2 6.63% $1,684
    NexBank 2 7.50% $5,931
    CMG MORTGAGE, INC. 2 7.56% $9,299
    BOKF 2 6.38% $6,437
    Truist 2 6.18% $3,548
    Bank of Colorado 2 6.94% $4,700
    GUARANTEED RATE, INC. 2 8.38% $9,059
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.31% $11,932
    ON Q FINANCIAL, INC. 1 7.63% $8,706
    Plains Commerce Bank 1 6.50% $12,713
    PNC Bank 1 6.75% $8,561
    Popular Bank 1 4.88% $9,049
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.38% $5,059
    RANLIFE, INC. 1 6.99% $28,500
    REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 8.63% $14,563
    Regions Bank 1 5.88% $3,958
    Royal Credit Union 1 5.50% $8,125
    S1L, Inc. 1 7.63% $8,237
    Stifel Bank and Trust 1 5.63% $4,956
    The Northern Trust Company 1 5.88% $4,469
    Third Federal Savings and Loan Association of Cleveland 1 6.99% $0
    UMB Bank 1 6.89% $2,055
    Univest Bank and Trust Co. 1 5.63% $3,615
    Valley National Bank 1 5.75% $3,818
    WESTERRA CREDIT UNION 1 6.13% $7,082
    ZILLOW HOME LOANS, LLC 1 7.13% $3,798
    Northpointe Bank 1 6.38% $7,375
    AIR ACADEMY 1 6.03% $10,648
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.88% $30,030
    AMERISAVE MORTGAGE CORPORATION 1 6.63% $19,531
    BancorpSouth 1 5.88% $3,946
    BAY EQUITY LLC 1 7.38% $12,458
    Bell Bank 1 6.25% $17,900
    Bethpage Federal Credit Union 1 6.00% $4,906
    BMO Harris Bank 1 6.63% $5,318
    BROKER SOLUTIONS, INC. 1 7.38% $3,497
    Carrington Mortgage Services, LLC 1 6.38% $9,556
    CARTER FEDERAL CREDIT UNION 1 6.88% $3,455
    CHERRY CREEK MORTGAGE, LLC 1 7.38% $974
    Citizens Bank 1 6.25% $3,125
    DELMAR FINANCIAL COMPANY 1 7.38% $324
    Ent Credit Union 1 5.25% $4,412
    FirstBank 1 7.00% $3,479
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 7.00% $11,046
    First Horizon Bank 1 7.88% $11,386
    Flagstar Bank, FSB 1 8.09% $4,614
    Ixonia Bank 1 7.38% $6,383
    JMAC LENDING, INC. 1 9.13% $4,535
    LOANDEPOT.COM, LLC 1 7.13% $11,953
    MEGASTAR FINANCIAL CORP. 1 7.00% $5,438
    MidFirst Bank 1 6.00% $43,290
    M&T Bank 1 6.25% $5,758
    NATIONS DIRECT MORTGAGE, LLC 1 7.50% $4,386
    NAVY FEDERAL CREDIT UNION 1 5.38% $1,328
    NBKC BANK 1 6.25% $7,953
    NEWREZ LLC 1 6.13% $16,805
    ACADEMY MORTGAGE CORPORATION 1 7.25% $6,437
    Old National Bank 1 6.75% $3,170

    Steamboat Springs Average Closing Costs & Other Stats

    Steamboat Springs, CO's 82 lenders originated 629 loans during 2023. The total origination value was $491,115,000, with an average loan value of $780,787.

    Steamboat Springs's average closing costs are $4,964.

    The top Steamboat Springs lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 49 loans originated. Their average total fees are $8,806, which is $533 lower than the next largest lender, NFM, INC..

    The lowest fee Steamboat Springs lenders (with over 10 loans originated) are Wells Fargo Bank ($5,986), U.S. Bank ($8,309), Alpine Bank ($8,500), UNITED WHOLESALE MORTGAGE, LLC ($8,506) and CROSSCOUNTRY MORTGAGE, LLC ($8,806).

    The lowest rate Steamboat Springs lenders (with over 10 loans originated) are Wells Fargo Bank (5.78%), U.S. Bank (6.29%), QUICKEN LOANS, LLC (6.55%), UNITED WHOLESALE MORTGAGE, LLC (6.59%) and CROSSCOUNTRY MORTGAGE, LLC (6.82%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    ORIX REAL ESTATE CAPITAL, LLC $80,430,000 n/a 16.4%
    CROSSCOUNTRY MORTGAGE, LLC $37,895,000 $34,585,000 -8.7% 7.0%
    NFM, INC. $25,495,000 $31,260,000 22.6% 6.4%
    Alpine Bank $64,975,000 $27,380,000 -57.9% 5.6%
    U.S. Bank $29,525,000 $19,130,000 -35.2% 3.9%
    GROUP MORTGAGE, LLC $1,785,000 $16,555,000 827.5% 3.4%
    Zions Bank $54,485,000 $16,170,000 -70.3% 3.3%
    Bank of America $13,775,000 $14,590,000 5.9% 3.0%
    Wells Fargo Bank $18,035,000 $13,920,000 -22.8% 2.8%
    UNITED WHOLESALE MORTGAGE, LLC $31,640,000 $13,370,000 -57.7% 2.7%
    JPMorgan Chase Bank $49,245,000 $11,520,000 -76.6% 2.3%
    UBS Bank USA $10,315,000 $11,430,000 10.8% 2.3%
    Citibank $8,010,000 $7,525,000 -6.1% 1.5%
    Elevations Credit Union $3,190,000 $6,120,000 91.8% 1.2%
    Morgan Stanley Private Bank $11,955,000 $6,110,000 -48.9% 1.2%
    Nicolet National Bank $6,075,000 n/a 1.2%
    QUICKEN LOANS, LLC $15,285,000 $6,070,000 -60.3% 1.2%
    Bank of Colorado $8,830,000 $5,385,000 -39.0% 1.1%
    Citizens Bank & Trust $5,205,000 n/a 1.1%
    BMO Harris Bank $4,850,000 n/a 1.0%
    The Huntington National Bank $5,830,000 $4,725,000 -19.0% 1.0%
    MOVEMENT MORTGAGE, LLC $4,620,000 $4,430,000 -4.1% 0.9%
    MidFirst Bank $1,710,000 $4,220,000 146.8% 0.9%
    BancorpSouth $3,195,000 $3,395,000 6.3% 0.7%
    PNC Bank $7,150,000 $3,190,000 -55.4% 0.6%
    Charles Schwab Bank, SSB $11,665,000 $3,115,000 -73.3% 0.6%
    M&T Bank $1,365,000 $3,105,000 127.5% 0.6%
    First Horizon Bank $3,005,000 n/a 0.6%
    Ally Bank $1,110,000 $2,605,000 134.7% 0.5%
    GUILD MORTGAGE COMPANY $4,905,000 $2,270,000 -53.7% 0.5%
    FINANCE OF AMERICA REVERSE LLC $2,620,000 $2,240,000 -14.5% 0.5%
    First Western Trust Bank $33,775,000 $2,230,000 -93.4% 0.5%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $2,180,000 n/a 0.4%
    HSBC BANK USA, NATIONAL ASSOCIATION $2,160,000 n/a 0.4%
    Stifel Bank and Trust $1,405,000 $2,105,000 49.8% 0.4%
    American Mortgage & Equity Consultants, Inc. $1,170,000 $2,010,000 71.8% 0.4%
    Foundation One Bank $1,995,000 n/a 0.4%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,765,000 n/a 0.4%
    JMAC LENDING, INC. $1,740,000 n/a 0.4%
    V.I.P. MORTGAGE, INC. $1,555,000 n/a 0.3%
    Midwest BankCentre $1,525,000 n/a 0.3%
    BOKF $2,560,000 $1,425,000 -44.3% 0.3%
    AIR ACADEMY $3,660,000 $1,405,000 -61.6% 0.3%
    Old National Bank $1,045,000 $1,405,000 34.4% 0.3%
    CMG MORTGAGE, INC. $4,645,000 $1,370,000 -70.5% 0.3%
    NexBank $1,445,000 $1,370,000 -5.2% 0.3%
    NEWREZ LLC $980,000 $1,365,000 39.3% 0.3%
    Origin Bank $1,365,000 n/a 0.3%
    Western Bank $1,345,000 n/a 0.3%
    GUARANTEED RATE, INC. $7,015,000 $1,330,000 -81.0% 0.3%
    Valley National Bank $1,305,000 n/a 0.3%
    Platte Valley Bank $1,285,000 n/a 0.3%
    Bethpage Federal Credit Union $1,275,000 n/a 0.3%
    Plains Commerce Bank $2,700,000 $1,275,000 -52.8% 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,265,000 $1,270,000 -79.7% 0.3%
    LOANDEPOT.COM, LLC $2,940,000 $1,255,000 -57.3% 0.3%
    SWBC MORTGAGE CORPORATION $1,650,000 $1,225,000 -25.8% 0.2%
    CAPITAL CREDIT UNION $465,000 $1,205,000 159.1% 0.2%
    Northpointe Bank $1,845,000 $1,130,000 -38.8% 0.2%
    Bell Bank $1,125,000 n/a 0.2%
    BELLCO $960,000 $1,010,000 5.2% 0.2%
    Collins State Bank $1,005,000 n/a 0.2%
    REDWOOD RESIDENTIAL ACQUISITION CORPORATION $2,775,000 $995,000 -64.1% 0.2%
    UMB Bank $5,640,000 $985,000 -82.5% 0.2%
    Ixonia Bank $965,000 n/a 0.2%
    Popular Bank $955,000 n/a 0.2%
    Truist $1,900,000 $880,000 -53.7% 0.2%
    First Federal Bank of Louisiana $855,000 n/a 0.2%
    CARTER FEDERAL CREDIT UNION $820,000 n/a 0.2%
    RANLIFE, INC. $265,000 $815,000 207.5% 0.2%
    Merchants Mortgage & Trust Corporation $805,000 n/a 0.2%
    NAVY FEDERAL CREDIT UNION $1,015,000 $800,000 -21.2% 0.2%
    Glacier Bank $3,160,000 $755,000 -76.1% 0.2%
    HIWAY $755,000 n/a 0.2%
    The Northern Trust Company $3,000,000 $755,000 -74.8% 0.2%
    Sooper Credit Union $880,000 $750,000 -14.8% 0.2%
    Ent Credit Union $1,130,000 $745,000 -34.1% 0.2%
    CONTOUR MORTGAGE CORPORATION $725,000 n/a 0.1%
    CrossFirst Bank $725,000 n/a 0.1%
    FIRST CENTENNIAL MORTGAGE CORPORATION $325,000 $725,000 123.1% 0.1%
    Univest Bank and Trust Co. $715,000 n/a 0.1%
    First Federal Bank $705,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $3,225,000 $680,000 -78.9% 0.1%
    PREMIER MEMBERS CREDIT UNION $620,000 $680,000 9.7% 0.1%
    CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION $1,385,000 $660,000 -52.3% 0.1%
    FirstBank $5,560,000 $660,000 -88.1% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,160,000 $655,000 -43.5% 0.1%
    BROKER SOLUTIONS, INC. $1,510,000 $630,000 -58.3% 0.1%
    NBKC BANK $165,000 $625,000 278.8% 0.1%
    IDEAL HOME LOANS LLC $605,000 n/a 0.1%
    KeyBank $5,095,000 $570,000 -88.8% 0.1%
    BAY EQUITY LLC $3,865,000 $565,000 -85.4% 0.1%
    VILLAGE CAPITAL MORTGAGE $515,000 $565,000 9.7% 0.1%
    ZILLOW HOME LOANS, LLC $565,000 n/a 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $1,000,000 $560,000 -44.0% 0.1%
    CHERRY CREEK MORTGAGE, LLC $10,210,000 $545,000 -94.7% 0.1%
    Pinnacle Bank $375,000 $545,000 45.3% 0.1%
    Flagstar Bank, FSB $1,500,000 $515,000 -65.7% 0.1%
    Bank of the West $4,130,000 $505,000 -87.8% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $780,000 $495,000 -36.5% 0.1%
    Hometown Equity Mortgage, LLC $485,000 n/a 0.1%
    NATIONS DIRECT MORTGAGE, LLC $715,000 $485,000 -32.2% 0.1%
    NBH Bank $1,330,000 $475,000 -64.3% 0.1%
    Royal Credit Union $475,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $680,000 $455,000 -33.1% 0.1%
    USAlliance Federal Credit Union $450,000 n/a 0.1%
    ON Q FINANCIAL, INC. $435,000 n/a 0.1%
    Regions Bank $435,000 n/a 0.1%
    CANVAS CREDIT UNION $1,415,000 $425,000 -70.0% 0.1%
    Gateway First Bank $710,000 $425,000 -40.1% 0.1%
    WESTERRA CREDIT UNION $425,000 n/a 0.1%
    SPRING EQ, LLC $685,000 $415,000 -39.4% 0.1%
    PENNYMAC LOAN SERVICES, LLC $1,830,000 $410,000 -77.6% 0.1%
    MEGASTAR FINANCIAL CORP. $3,420,000 $405,000 -88.2% 0.1%
    Citizens Bank $395,000 n/a 0.1%
    Loan Simple, Inc. $395,000 n/a 0.1%
    FIRST TECHNOLOGY $360,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $445,000 $360,000 -19.1% 0.1%
    Centier Bank $325,000 n/a 0.1%
    ACADEMY MORTGAGE CORPORATION $1,375,000 $305,000 -77.8% 0.1%
    AMWEST FUNDING CORP. $295,000 n/a 0.1%
    S1L, Inc. $1,400,000 $285,000 -79.6% 0.1%
    Credit Union of Denver $995,000 $280,000 -71.9% 0.1%
    USAA Federal Savings Bank $265,000 n/a 0.1%
    DELMAR FINANCIAL COMPANY $255,000 n/a 0.1%
    Logan Finance Corporation $255,000 n/a 0.1%
    Figure Lending LLC $240,000 $240,000 0.0% 0.0%
    AMCAP MORTGAGE, LTD. $235,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $1,200,000 $235,000 -80.4% 0.0%
    ALLIANT CREDIT UNION $375,000 $230,000 -38.7% 0.0%
    OAKTREE FUNDING CORP. $1,105,000 $205,000 -81.4% 0.0%
    21ST MORTGAGE CORPORATION $200,000 n/a 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $525,000 $195,000 -62.9% 0.0%
    SECURITY SERVICE $935,000 $190,000 -79.7% 0.0%
    Carrington Mortgage Services, LLC $185,000 n/a 0.0%
    Coastal Community Bank $160,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $410,000 $135,000 -67.1% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $75,000 $105,000 40.0% 0.0%
    Community National Bank & Trust $45,000 n/a 0.0%

    Steamboat Springs's top lender by overall market share is ORIX REAL ESTATE CAPITAL, LLC, with 16.4% market share. In second place, with 7.0%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $34,585,000 in loans. In third place, with 6.4%, is NFM, INC., having originated $31,260,000 in loans. In fourth place, with 5.6%, is Alpine Bank, having originated $27,380,000 in loans. In fifth place, with 3.9%, is U.S. Bank, having originated $19,130,000 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%) $1,258,733 (18.7%) 0.00 337
    2018-02-01 $687,000 (15.1%) $1,252,716 (16.6%) 0.00 344
    2018-03-01 $730,000 (22.7%) $1,306,045 (25.0%) 0.00 350
    2018-04-01 $695,000 (16.0%) $1,272,883 (22.5%) 0.00 365
    2018-05-01 $699,000 (17.9%) $1,268,659 (26.8%) 0.00 366
    2018-06-01 $665,000 (12.8%) $1,251,244 (23.3%) 0.00 416
    2018-07-01 $677,000 (14.9%) $1,257,117 (22.9%) 0.00 470
    2018-08-01 $698,125 (18.5%) $1,232,359 (16.4%) 0.00 485
    2018-09-01 $700,000 (7.7%) $1,269,185 (11.3%) 0.00 466
    2018-10-01 $699,000 (4.6%) $1,275,973 (7.1%) 0.00 448
    2018-11-01 $699,500 (12.4%) $1,270,177 (13.9%) 0.00 425
    2018-12-01 $699,000 (3.6%) $1,257,363 (4.0%) 0.00 417
    2019-01-01 $699,250 (0.0%) $1,249,327 (-0.8%) 0.00 411
    2019-02-01 $650,000 (-5.4%) $1,199,457 (-4.3%) 0.00 418
    2019-03-01 $652,143 (-10.7%) $1,214,682 (-7.0%) 0.00 408
    2019-04-01 $649,368 (-6.6%) $1,222,080 (-4.0%) 0.00 408
    2019-05-01 $672,500 (-3.8%) $1,230,681 (-3.0%) 0.00 406
    2019-06-01 $674,000 (1.4%) $1,202,666 (-3.9%) 0.00 483
    2019-07-01 $725,750 (7.2%) $1,215,575 (-3.3%) 0.00 535
    2019-08-01 $731,250 (4.7%) $1,239,605 (0.6%) 0.00 512
    2019-09-01 $741,375 (5.9%) $1,285,711 (1.3%) 0.00 470
    2019-10-01 $752,125 (7.6%) $1,327,075 (4.0%) 0.00 433
    2019-11-01 $765,000 (9.4%) $1,372,545 (8.1%) 0.00 393
    2019-12-01 $767,500 (9.8%) $1,426,411 (13.4%) 0.00 359
    2020-01-01 $777,500 (11.2%) $1,477,361 (18.3%) 0.00 268
    2020-02-01 $750,000 (15.4%) $1,410,236 (17.6%) 0.00 264
    2020-03-01 $734,875 (12.7%) $1,301,839 (7.2%) 0.00 286
    2020-04-01 $633,500 (-2.4%) $1,208,750 (-1.1%) 0.00 298
    2020-05-01 $642,000 (-4.5%) $1,159,674 (-5.8%) 0.00 304
    2020-06-01 $646,000 (-4.2%) $1,115,968 (-7.2%) 0.00 367
    2020-07-01 $685,000 (-5.6%) $1,207,115 (-0.7%) 0.00 346
    2020-08-01 $650,000 (-11.1%) $1,320,706 (6.5%) 0.00 275
    2020-09-01 $769,500 (3.8%) $1,395,907 (8.6%) 0.00 254
    2020-10-01 $819,500 (9.0%) $1,423,463 (7.3%) 0.00 228
    2020-11-01 $860,000 (12.4%) $1,412,915 (2.9%) 0.00 201
    2020-12-01 $837,500 (9.1%) $1,475,226 (3.4%) 0.00 185
    2021-01-01 $862,500 (10.9%) $1,597,356 (8.1%) 0.00 155
    2021-02-01 $824,500 (9.9%) $1,525,643 (8.2%) 0.00 156
    2021-03-01 $916,250 (24.7%) $1,671,285 (28.4%) 0.00 150
    2021-04-01 $878,750 (38.7%) $1,794,414 (48.5%) 0.00 121
    2021-05-01 $1,100,000 (71.3%) $1,757,054 (51.5%) 0.00 128
    2021-06-01 $893,500 (38.3%) $1,690,006 (51.4%) 0.00 137
    2021-07-01 $989,000 (44.4%) $1,684,380 (39.5%) 0.00 144
    2021-08-01 $1,096,250 (68.7%) $1,706,121 (29.2%) 0.00 143
    2021-09-01 $1,039,000 (35.0%) $2,014,130 (44.3%) 0.00 150
    2021-10-01 $1,087,250 (32.7%) $2,097,144 (47.3%) 0.00 137
    2021-11-01 $1,337,500 (55.5%) $2,582,482 (82.8%) 0.00 86
    2021-12-01 $1,457,000 (74.0%) $2,925,163 (98.3%) 0.00 82
    2022-01-01 $1,452,500 (68.4%) $3,352,628 (109.9%) 0.00 66
    2022-02-01 $1,437,500 (74.4%) $3,529,154 (131.3%) 0.00 58
    2022-03-01 $1,797,500 (96.2%) $3,474,138 (107.9%) 0.00 64
    2022-04-01 $1,435,000 (63.3%) $2,969,432 (65.5%) 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 $1,400,000 (41.6%) $2,183,354 (29.6%) 0.00 189
    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
    2023-06-01 $1,293,750 (-8.0%) $2,118,976 (-10.3%) 0.00 134
    2023-07-01 $1,293,000 (-7.6%) $2,278,426 (4.4%) 0.00 163
    2023-08-01 $1,288,750 (-1.9%) $2,228,237 (16.9%) 0.00 166
    2023-09-01 $1,324,500 (11.1%) $2,256,291 (15.3%) 0.00 164
    2023-10-01 $1,431,250 (35.0%) $2,235,084 (26.3%) 0.00 147
    2023-11-01 $1,482,500 (51.5%) $2,345,820 (32.0%) 0.00 140
    2023-12-01 $1,697,500 (83.5%) $2,533,133 (46.4%) 0.00 137
    2024-01-01 $1,823,000 (80.9%) $2,611,608 (44.8%) 0.00 116
    2024-02-01 $1,875,000 (87.5%) $2,689,675 (39.9%) 0.00 106
    2024-03-01 $1,900,000 (90.2%) $2,702,714 (41.2%) 0.00 104
    2024-04-01 $1,895,000 (64.8%) $2,458,357 (24.7%) 0.00 55
    2024-05-01 $1,495,000 (32.5%) $2,239,591 (13.6%) 0.00 105
    2024-06-01 $1,550,000 (19.8%) $2,302,057 (8.6%) 0.00 180
    2024-07-01 $1,624,500 (25.6%) $2,617,963 (14.9%) 0.00 247
    2024-08-01 $1,575,000 (22.2%) $2,576,497 (15.6%) 0.00 256
    2024-09-01 $1,586,250 (19.8%) $2,511,582 (11.3%) 0.00 244
    2024-10-01 $1,542,500 (7.8%) $2,468,214 (10.4%) 0.00 215
    2024-11-01 $1,550,000 (4.6%) $2,655,350 (13.2%) 0.00 177
    Steamboat Springs's median listing price for 2024-11-01 was $1,550,000, a difference of $67,500 (4.6%) versus the prior year and $7,500 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 2024-11-01 was $2,655,350, a difference of $309,530 (13.2%) versus the prior year and $187,136 versus the prior month.

    For the 2024-11-01 period, Steamboat Springs had 177 MLS listings, a difference of -38 listings (-18%) versus the prior month and 37 listings (26%) 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 2,296 sqft
    2018-02-01 0 days 2,290 sqft
    2018-03-01 0 days 2,288 sqft
    2018-04-01 0 days 2,244 sqft
    2018-05-01 0 days 2,339 sqft
    2018-06-01 0 days 2,284 sqft
    2018-07-01 0 days 2,244 sqft
    2018-08-01 0 days 2,190 sqft
    2018-09-01 0 days 2,280 sqft
    2018-10-01 0 days 2,217 sqft
    2018-11-01 0 days 2,175 sqft
    2018-12-01 0 days 2,032 sqft
    2019-01-01 0 days 2,018 sqft
    2019-02-01 0 days 1,836 sqft
    2019-03-01 0 days 1,846 sqft
    2019-04-01 0 days 1,893 sqft
    2019-05-01 0 days 2,035 sqft
    2019-06-01 0 days 2,071 sqft
    2019-07-01 0 days 2,181 sqft
    2019-08-01 0 days 2,223 sqft
    2019-09-01 0 days 2,286 sqft
    2019-10-01 0 days 2,328 sqft
    2019-11-01 0 days 2,383 sqft
    2019-12-01 0 days 2,363 sqft
    2020-01-01 0 days 2,369 sqft
    2020-02-01 0 days 2,371 sqft
    2020-03-01 0 days 2,304 sqft
    2020-04-01 0 days 2,102 sqft
    2020-05-01 0 days 2,068 sqft
    2020-06-01 0 days 2,168 sqft
    2020-07-01 0 days 2,206 sqft
    2020-08-01 0 days 2,266 sqft
    2020-09-01 0 days 2,294 sqft
    2020-10-01 0 days 2,290 sqft
    2020-11-01 0 days 2,285 sqft
    2020-12-01 0 days 2,295 sqft
    2021-01-01 0 days 2,371 sqft
    2021-02-01 0 days 2,331 sqft
    2021-03-01 0 days 2,371 sqft
    2021-04-01 0 days 2,468 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 2,420 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 2,030 sqft
    2023-01-01 0 days 2,076 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
    2023-06-01 0 days 2,213 sqft
    2023-07-01 0 days 2,286 sqft
    2023-08-01 0 days 2,552 sqft
    2023-09-01 0 days 2,573 sqft
    2023-10-01 0 days 2,573 sqft
    2023-11-01 0 days 2,603 sqft
    2023-12-01 0 days 2,586 sqft
    2024-01-01 0 days 2,682 sqft
    2024-02-01 0 days 2,743 sqft
    2024-03-01 0 days 2,397 sqft
    2024-04-01 0 days 2,376 sqft
    2024-05-01 0 days 2,064 sqft
    2024-06-01 0 days 2,114 sqft
    2024-07-01 0 days 2,063 sqft
    2024-08-01 0 days 1,960 sqft
    2024-09-01 0 days 1,982 sqft
    2024-10-01 0 days 1,943 sqft
    2024-11-01 0 days 2,110 sqft
    Steamboat Springs's median listing age (time on market) for 2024-11-01 was 0 days.

    Steamboat Springs's median square footage for active listings during the 2024-11-01 period was 2,110 sqft. One year prior, the average listing was 2,603 sqft.

    Steamboat Springs, CO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 367 $359,955,000 $980,804
    Other 72 $39,380,000 $546,944
    Cash Out Refi 67 $39,625,000 $591,418
    Refi 62 $39,500,000 $637,097
    Home Improvement 61 $12,655,000 $207,459

    Steamboat Springs's most frequently cited loan purpose was Home Purchase, with 367 originations. The 2nd most popular reason was Other, with 72 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    7-8% 162 $101,320,000 $625,432
    6-7% 157 $105,795,000 $673,854
    Over 8% 142 $47,650,000 $335,563
    5-6% 99 $95,225,000 $961,869
    4-5% 10 $17,990,000 $1,799,000
    3-4% 3 $3,235,000 $1,078,333
    <2.5% 2 $80,430,000 $40,215,000
    2.5-3% 1 $105,000 $105,000

    During 2023, Steamboat Springs's most frequently originated rate bucket was 7-8%, with 162 originations.

    Loan Sizing (Steamboat Springs, CO MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 158 $47,790,000 $302,468
    $600k-1000k 131 $101,345,000 $773,626
    $400k-600k 127 $61,285,000 $482,559
    $Over $1MM 109 $269,535,000 $2,472,798
    $100k-200k 61 $8,455,000 $138,607
    $100,000 or less 43 $2,705,000 $62,907

    Steamboat Springs's loan sizing saw the bucket of loans from $200k-400k with 158 originations, totaling $47,790,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    60-80% 181 $162,345,000 $896,934
    Under 20% 118 $23,350,000 $197,881
    40-60% 94 $74,940,000 $797,234
    80-100% 92 $67,270,000 $731,196
    20-40% 88 $42,880,000 $487,273
    Over 100% 3 $80,825,000 $26,941,667

    Steamboat Springs's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 181 originations, totaling $162,345,000 in origination value.