Sterling 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 Sterling averaged 6.9% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.82% and one month ago for the week of 2025-03-06, the average rate was 6.71%.

    Sterling's average rate one year ago was 7.1%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.52%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Sterling 30 Year Fixed Rate 2025-04-10 6.9%
    Sterling 30 Year Fixed Rate Refi 2025-04-10 6.52%
    Sterling 15 Year Fixed Rate 2025-04-10 5.62%
    Sterling 15 Year Fixed Rate Refi 2025-04-10 6.02%
    Sterling 30 Year FHA 2025-04-10 6.23%
    Sterling 30 Year FHA Refi 2025-04-10 6.33%
    Sterling 30 Year USDA 2025-04-10 6.55%
    Sterling 30 Year USDA Refi 2025-04-10 6.25%
    Sterling 30 Year VA 2025-04-10 6.19%
    Sterling 30 Year VA Refi 2025-04-10 6.39%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sterling, CO.

    Sterling 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 Sterling, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Bank of Colorado 29 6.70% $6,012
    QUICKEN LOANS, LLC 12 6.59% $5,919
    UNITED WHOLESALE MORTGAGE, LLC 11 6.82% $6,119
    GUILD MORTGAGE COMPANY 9 6.79% $5,856
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.38% $5,428
    BMO Harris Bank 3 7.38% $4,920
    CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION 2 6.38% $2,844
    LOANDEPOT.COM, LLC 2 6.31% $8,270
    AMERICAN FINANCING CORPORATION 2 6.56% $6,241
    Wells Fargo Bank 2 6.38% $4,693
    BROKER SOLUTIONS, INC. 2 7.06% $5,811
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.56% $5,960
    Mortgage Research Center, LLC 1 7.63% $2,714
    Mr. Cooper ( Nationstar Mortgage ) 1 7.49% $7,421
    NP, Inc. 1 7.00% $9,303
    PHH Mortgage Corporation 1 7.38% $5,269
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $3,526
    SUN WEST MORTGAGE COMPANY, INC. 1 7.13% $6,017
    The Huntington National Bank 1 8.38% $3,883
    The Loan Store, Inc. 1 6.63% $5,012
    THE MORTGAGE COMPANY 1 6.38% $4,196
    UNION HOME MORTGAGE CORP. 1 7.63% $3,549
    USAA Federal Savings Bank 1 6.63% $2,548
    U.S. Bank 1 5.88% $6,608
    US MORTGAGE CORPORATION 1 7.13% $6,035
    V.I.P. MORTGAGE, INC. 1 6.13% $12,771
    MEGASTAR FINANCIAL CORP. 1 6.13% $8,329
    CANOPY MORTGAGE, LLC 1 5.99% $5,547
    CHURCHILL MORTGAGE CORPORATION 1 6.63% $3,866
    First Western Trust Bank 1 7.13% $2,992
    FREEDOM MORTGAGE CORPORATION 1 8.38% $5,632
    Gateway First Bank 1 6.63% $4,840
    Independent Bank 1 6.63% $5,936
    JPMorgan Chase Bank 1 7.49% $3,466
    LAKEVIEW LOAN SERVICING, LLC 1 7.13% $3,530
    LOANPAL, LLC 1 5.88% $350
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.63% $2,730
    A&D Mortgage LLC 1 8.38% $7,595

    Sterling Average Closing Costs & Other Stats

    Sterling, CO's 38 lenders originated 403 loans during 2024. The total origination value was $71,705,000, with an average loan value of $177,928.

    Sterling's average closing costs are $5,409.

    The top Sterling lender as defined by loan originations is Bank of Colorado, with 29 loans originated. Their average total fees are $6,012, which is $93 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Sterling lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($5,919), Bank of Colorado ($6,012), UNITED WHOLESALE MORTGAGE, LLC ($6,119), .

    The lowest rate Sterling lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.59%), Bank of Colorado (6.70%), UNITED WHOLESALE MORTGAGE, LLC (6.82%), .

    Sterling, 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Bank of Colorado $18,145,000 $14,630,000 -19.4% 20.4%
    UNITED WHOLESALE MORTGAGE, LLC $4,590,000 $9,330,000 103.3% 13.0%
    GUILD MORTGAGE COMPANY $2,625,000 $5,920,000 125.5% 8.3%
    EQUITABLE SAVINGS AND LOAN ASSOCIATION $1,980,000 $5,095,000 157.3% 7.1%
    QUICKEN LOANS, LLC $5,080,000 $4,935,000 -2.9% 6.9%
    BMO Harris Bank $1,195,000 $1,505,000 25.9% 2.1%
    LENDINGHOME FUNDING CORPORATION $1,380,000 $1,325,000 -4.0% 1.8%
    BROKER SOLUTIONS, INC. $850,000 $1,240,000 45.9% 1.7%
    GUARANTEED RATE, INC. $1,215,000 n/a 1.7%
    Independent Bank $2,015,000 $1,185,000 -41.2% 1.7%
    AMERICAN FINANCING CORPORATION $1,060,000 $1,025,000 -3.3% 1.4%
    Financial Funding Solutions, Inc. $390,000 $965,000 147.4% 1.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $460,000 $895,000 94.6% 1.2%
    Mortgage Research Center, LLC $665,000 $795,000 19.5% 1.1%
    LOANDEPOT.COM, LLC $770,000 n/a 1.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,635,000 $740,000 -54.7% 1.0%
    TOWNE MORTGAGE COMPANY $205,000 $670,000 226.8% 0.9%
    FREEDOM MORTGAGE CORPORATION $450,000 $655,000 45.6% 0.9%
    Mr. Cooper ( Nationstar Mortgage ) $940,000 $635,000 -32.4% 0.9%
    First Western Trust Bank $335,000 $595,000 77.6% 0.8%
    The Federal Savings Bank $570,000 n/a 0.8%
    Loan Simple, Inc. $225,000 $500,000 122.2% 0.7%
    AMERICAN PACIFIC MORTGAGE CORPORATION $315,000 $490,000 55.6% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $565,000 $490,000 -13.3% 0.7%
    The Loan Store, Inc. $205,000 $490,000 139.0% 0.7%
    MEGASTAR FINANCIAL CORP. $485,000 n/a 0.7%
    Adams Bank & Trust $455,000 n/a 0.6%
    PHH Mortgage Corporation $430,000 n/a 0.6%
    VERITAS FUNDING, LLC $420,000 n/a 0.6%
    V.I.P. MORTGAGE, INC. $625,000 $415,000 -33.6% 0.6%
    Points West Community Bank $330,000 $410,000 24.2% 0.6%
    NEW DAY FINANCIAL, LLC $405,000 n/a 0.6%
    Equity Prime Mortgage LLC $560,000 $390,000 -30.4% 0.5%
    SUN WEST MORTGAGE COMPANY, INC. $380,000 n/a 0.5%
    UNION HOME MORTGAGE CORP. $380,000 n/a 0.5%
    VILLAGE CAPITAL MORTGAGE $375,000 n/a 0.5%
    U.S. Bank $75,000 $370,000 393.3% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $200,000 $360,000 80.0% 0.5%
    CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION $440,000 $350,000 -20.5% 0.5%
    Plains Commerce Bank $340,000 n/a 0.5%
    NP, Inc. $335,000 n/a 0.5%
    LOANPAL, LLC $320,000 $330,000 3.1% 0.5%
    S1L, Inc. $465,000 $315,000 -32.3% 0.4%
    The Huntington National Bank $545,000 $305,000 -44.0% 0.4%
    Wells Fargo Bank $675,000 $305,000 -54.8% 0.4%
    Figure Lending LLC $15,000 $290,000 1,833.3% 0.4%
    Century Mortgage Company DBA Century Lending Company $285,000 n/a 0.4%
    American Mortgage & Equity Consultants, Inc. $275,000 n/a 0.4%
    EVERETT FINANCIAL, INC. $225,000 $275,000 22.2% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $235,000 $275,000 17.0% 0.4%
    FMS Bank $255,000 n/a 0.4%
    Ixonia Bank $95,000 $245,000 157.9% 0.3%
    Paramount Residential Mortgage Group, Inc. $290,000 $245,000 -15.5% 0.3%
    NEWREZ LLC $235,000 n/a 0.3%
    THE MORTGAGE COMPANY $235,000 n/a 0.3%
    Nations Lending Corporation $225,000 $225,000 0.0% 0.3%
    RANLIFE, INC. $225,000 n/a 0.3%
    AMERISAVE MORTGAGE CORPORATION $385,000 $215,000 -44.2% 0.3%
    CANOPY MORTGAGE, LLC $215,000 n/a 0.3%
    MOVEMENT MORTGAGE, LLC $200,000 n/a 0.3%
    PENNYMAC LOAN SERVICES, LLC $780,000 $185,000 -76.3% 0.3%
    CANVAS CREDIT UNION $55,000 $170,000 209.1% 0.2%
    Flagstar Bank, FSB $165,000 n/a 0.2%
    HOMESIDE FINANCIAL, LLC $165,000 n/a 0.2%
    Gateway First Bank $155,000 n/a 0.2%
    A&D Mortgage LLC $145,000 n/a 0.2%
    Cornerstone First Mortgage, Inc $125,000 n/a 0.2%
    JPMorgan Chase Bank $125,000 n/a 0.2%
    GENEVA FINANCIAL, LLC $115,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $105,000 n/a 0.1%
    GEORGIA'S OWN $105,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $105,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $95,000 n/a 0.1%
    Coastal Community Bank $90,000 n/a 0.1%
    GTE Federal Credit Union $85,000 n/a 0.1%
    US MORTGAGE CORPORATION $85,000 n/a 0.1%
    High Plains Bank $75,000 n/a 0.1%
    MASON MCDUFFIE MORTGAGE CORPORATION $65,000 n/a 0.1%
    USAA Federal Savings Bank $350,000 $65,000 -81.4% 0.1%
    Discover Bank $305,000 $55,000 -82.0% 0.1%
    PREMIER MEMBERS CREDIT UNION $45,000 n/a 0.1%
    BOKF $220,000 $35,000 -84.1% 0.0%
    21ST MORTGAGE CORPORATION $150,000 $25,000 -83.3% 0.0%
    NAVY FEDERAL CREDIT UNION $55,000 $15,000 -72.7% 0.0%

    Sterling's top lender by overall market share is Bank of Colorado, with 20.4% market share. In second place, with 13.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $9,330,000 in loans. In third place, with 8.3%, is GUILD MORTGAGE COMPANY, having originated $5,920,000 in loans. In fourth place, with 7.1%, is EQUITABLE SAVINGS AND LOAN ASSOCIATION, having originated $5,095,000 in loans. In fifth place, with 6.9%, is QUICKEN LOANS, LLC, having originated $4,935,000 in loans.

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

    Realtor.com - Sterling (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 $199,425 (58.3%) $196,739 (21.5%) 0.00 30
    2018-02-01 $212,500 (79.4%) $216,106 (40.2%) 0.00 31
    2018-03-01 $199,900 (63.3%) $196,103 (24.0%) 0.00 34
    2018-04-01 $207,225 (41.1%) $212,913 (16.7%) 0.00 36
    2018-05-01 $208,250 (31.0%) $219,266 (22.0%) 0.00 40
    2018-06-01 $202,500 (15.8%) $232,046 (17.3%) 0.00 37
    2018-07-01 $198,675 (17.6%) $214,692 (12.5%) 0.00 27
    2018-08-01 $179,500 (13.3%) $204,364 (11.1%) 0.00 32
    2018-09-01 $175,000 (4.8%) $197,047 (5.7%) 0.00 34
    2018-10-01 $202,750 (22.5%) $221,000 (14.7%) 0.00 29
    2018-11-01 $192,475 (21.0%) $217,254 (13.5%) 0.00 36
    2018-12-01 $175,000 (-12.5%) $199,298 (2.7%) 0.00 32
    2019-01-01 $175,950 (-11.8%) $207,411 (5.4%) 0.00 34
    2019-02-01 $196,850 (-7.4%) $205,284 (-5.0%) 0.00 38
    2019-03-01 $189,664 (-5.1%) $204,596 (4.3%) 0.00 39
    2019-04-01 $186,950 (-9.8%) $205,875 (-3.3%) 0.00 43
    2019-05-01 $180,000 (-13.6%) $208,898 (-4.7%) 0.00 42
    2019-06-01 $175,000 (-13.6%) $206,475 (-11.0%) 0.00 49
    2019-07-01 $164,875 (-17.0%) $186,586 (-13.1%) 0.00 48
    2019-08-01 $178,418 (-0.6%) $218,243 (6.8%) 0.00 50
    2019-09-01 $201,245 (15.0%) $271,158 (37.6%) 0.00 46
    2019-10-01 $218,500 (7.8%) $308,514 (39.6%) 0.00 43
    2019-11-01 $220,000 (14.3%) $310,747 (43.0%) 0.00 40
    2019-12-01 $223,500 (27.7%) $337,942 (69.6%) 0.00 37
    2020-01-01 $224,500 (27.6%) $310,846 (49.9%) 0.00 37
    2020-02-01 $225,000 (14.3%) $267,696 (30.4%) 0.00 36
    2020-03-01 $234,000 (23.4%) $266,327 (30.2%) 0.00 36
    2020-04-01 $225,975 (20.9%) $349,290 (69.7%) 0.00 33
    2020-05-01 $235,000 (30.6%) $377,033 (80.5%) 0.00 30
    2020-06-01 $239,900 (37.1%) $421,905 (104.3%) 0.00 29
    2020-07-01 $211,200 (28.1%) $393,056 (110.7%) 0.00 28
    2020-08-01 $199,000 (11.5%) $360,509 (65.2%) 0.00 35
    2020-09-01 $214,000 (6.3%) $291,631 (7.6%) 0.00 38
    2020-10-01 $210,000 (-3.9%) $280,164 (-9.2%) 0.00 35
    2020-11-01 $216,250 (-1.7%) $302,297 (-2.7%) 0.00 28
    2020-12-01 $219,950 (-1.6%) $310,776 (-8.0%) 0.00 22
    2021-01-01 $227,400 (1.3%) $330,596 (6.4%) 0.00 20
    2021-02-01 $192,500 (-14.4%) $255,887 (-4.4%) 0.00 19
    2021-03-01 $207,500 (-11.3%) $248,855 (-6.6%) 0.00 20
    2021-04-01 $192,000 (-15.0%) $254,463 (-27.2%) 0.00 16
    2021-05-01 $249,900 (6.3%) $282,565 (-25.1%) 0.00 13
    2021-06-01 $257,975 (7.5%) $277,453 (-34.2%) 0.00 16
    2021-07-01 $249,450 (18.1%) $267,488 (-32.0%) 0.00 27
    2021-08-01 $249,975 (25.6%) $293,301 (-18.6%) 0.00 31
    2021-09-01 $248,125 (16.0%) $309,554 (6.2%) 0.00 29
    2021-10-01 $254,000 (21.0%) $329,329 (17.6%) 0.00 29
    2021-11-01 $199,450 (-7.8%) $388,655 (28.6%) 0.00 32
    2021-12-01 $224,975 (2.3%) $309,953 (-0.3%) 0.00 51
    2022-01-01 $202,500 (-11.0%) $247,893 (-25.0%) 0.00 25
    2022-02-01 $188,350 (-2.2%) $225,144 (-12.0%) 0.00 25
    2022-03-01 $181,875 (-12.4%) $231,882 (-6.8%) 0.00 27
    2022-04-01 $197,200 (2.7%) $256,363 (0.8%) 0.00 18
    2022-05-01 $232,000 (-7.2%) $286,865 (1.5%) 0.00 20
    2022-06-01 $231,250 (-10.4%) $309,099 (11.4%) 0.00 33
    2022-07-01 $225,000 (-9.8%) $290,584 (8.6%) 0.00 51
    2022-08-01 $228,061 (-8.8%) $291,925 (-0.5%) 0.00 65
    2022-09-01 $239,500 (-3.5%) $310,144 (0.2%) 0.00 58
    2022-10-01 $266,950 (5.1%) $335,974 (2.0%) 0.00 61
    2022-11-01 $252,400 (26.6%) $322,841 (-16.9%) 0.00 65
    2022-12-01 $249,900 (11.1%) $310,175 (0.1%) 0.00 56
    2023-01-01 $259,950 (28.4%) $350,480 (41.4%) 0.00 50
    2023-02-01 $254,300 (35.0%) $348,513 (54.8%) 0.00 47
    2023-03-01 $223,500 (22.9%) $326,806 (40.9%) 0.00 49
    2023-04-01 $245,000 (24.2%) $328,679 (28.2%) 0.00 56
    2023-05-01 $249,725 (7.6%) $349,205 (21.7%) 0.00 54
    2023-06-01 $277,500 (20.0%) $351,199 (13.6%) 0.00 51
    2023-07-01 $299,000 (32.9%) $316,996 (9.1%) 0.00 59
    2023-08-01 $316,750 (38.9%) $361,234 (23.7%) 0.00 67
    2023-09-01 $311,500 (30.1%) $361,518 (16.6%) 0.00 67
    2023-10-01 $311,225 (16.6%) $359,015 (6.9%) 0.00 73
    2023-11-01 $302,475 (19.8%) $355,750 (10.2%) 0.00 73
    2023-12-01 $299,950 (20.0%) $349,982 (12.8%) 0.00 69
    2024-01-01 $311,175 (19.7%) $329,182 (-6.1%) 0.00 55
    2024-02-01 $298,750 (17.5%) $319,965 (-8.2%) 0.00 50
    2024-03-01 $289,450 (29.5%) $326,048 (-0.2%) 0.00 55
    2024-04-01 $297,250 (21.3%) $367,817 (11.9%) 0.00 60
    2024-05-01 $293,725 (17.6%) $376,796 (7.9%) 0.00 65
    2024-06-01 $265,000 (-4.5%) $354,024 (0.8%) 0.00 68
    2024-07-01 $254,950 (-14.7%) $367,255 (15.9%) 0.00 53
    2024-08-01 $290,000 (-8.5%) $387,439 (7.3%) 0.00 53
    2024-09-01 $278,975 (-10.4%) $388,904 (7.6%) 0.00 57
    2024-10-01 $298,875 (-4.0%) $418,954 (16.7%) 0.00 58
    2024-11-01 $299,000 (-1.2%) $434,394 (22.1%) 0.00 60
    2024-12-01 $333,950 (11.3%) $457,936 (30.9%) 0.00 54
    2025-01-01 $316,000 (1.6%) $435,090 (32.2%) 0.00 52
    2025-02-01 $294,300 (-1.5%) $396,373 (23.9%) 0.00 55
    2025-03-01 $250,000 (-13.6%) $362,187 (11.1%) 0.00 56
    Sterling's median listing price for 2025-03-01 was $250,000, a difference of $-39,450 (-13.6%) versus the prior year and $-44,300 versus the prior month.

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

    Sterling's average listing price for 2025-03-01 was $362,187, a difference of $36,139 (11.1%) versus the prior year and $-34,186 versus the prior month.

    For the 2025-03-01 period, Sterling had 56 MLS listings, a difference of 1 listings (2%) versus the prior month and 1 listings (2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sterling (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,067 sqft
    2018-02-01 0 days 2,060 sqft
    2018-03-01 0 days 2,142 sqft
    2018-04-01 0 days 2,234 sqft
    2018-05-01 0 days 2,253 sqft
    2018-06-01 0 days 2,231 sqft
    2018-07-01 0 days 2,171 sqft
    2018-08-01 0 days 2,088 sqft
    2018-09-01 0 days 1,992 sqft
    2018-10-01 0 days 1,954 sqft
    2018-11-01 0 days 2,190 sqft
    2018-12-01 0 days 2,094 sqft
    2019-01-01 0 days 2,069 sqft
    2019-02-01 0 days 2,042 sqft
    2019-03-01 0 days 2,104 sqft
    2019-04-01 0 days 2,159 sqft
    2019-05-01 0 days 2,018 sqft
    2019-06-01 0 days 2,020 sqft
    2019-07-01 0 days 1,940 sqft
    2019-08-01 0 days 1,907 sqft
    2019-09-01 0 days 2,057 sqft
    2019-10-01 0 days 2,157 sqft
    2019-11-01 0 days 2,208 sqft
    2019-12-01 0 days 2,208 sqft
    2020-01-01 0 days 2,022 sqft
    2020-02-01 0 days 2,195 sqft
    2020-03-01 0 days 2,091 sqft
    2020-04-01 0 days 1,966 sqft
    2020-05-01 0 days 2,006 sqft
    2020-06-01 0 days 2,301 sqft
    2020-07-01 0 days 1,703 sqft
    2020-08-01 0 days 1,725 sqft
    2020-09-01 0 days 1,756 sqft
    2020-10-01 0 days 1,725 sqft
    2020-11-01 0 days 1,990 sqft
    2020-12-01 0 days 2,110 sqft
    2021-01-01 0 days 1,914 sqft
    2021-02-01 0 days 1,490 sqft
    2021-03-01 0 days 1,614 sqft
    2021-04-01 0 days 1,610 sqft
    2021-05-01 0 days 2,153 sqft
    2021-06-01 0 days 1,940 sqft
    2021-07-01 0 days 1,975 sqft
    2021-08-01 0 days 2,147 sqft
    2021-09-01 0 days 2,107 sqft
    2021-10-01 0 days 2,115 sqft
    2021-11-01 0 days 1,915 sqft
    2021-12-01 0 days 1,908 sqft
    2022-01-01 0 days 1,572 sqft
    2022-02-01 0 days 1,624 sqft
    2022-03-01 0 days 1,521 sqft
    2022-04-01 0 days 1,614 sqft
    2022-05-01 0 days 1,586 sqft
    2022-06-01 0 days 1,546 sqft
    2022-07-01 0 days 1,579 sqft
    2022-08-01 0 days 1,678 sqft
    2022-09-01 0 days 1,847 sqft
    2022-10-01 0 days 1,860 sqft
    2022-11-01 0 days 1,832 sqft
    2022-12-01 0 days 1,769 sqft
    2023-01-01 0 days 1,834 sqft
    2023-02-01 0 days 1,744 sqft
    2023-03-01 0 days 1,489 sqft
    2023-04-01 0 days 1,508 sqft
    2023-05-01 0 days 1,768 sqft
    2023-06-01 0 days 1,800 sqft
    2023-07-01 0 days 2,046 sqft
    2023-08-01 0 days 2,065 sqft
    2023-09-01 0 days 2,056 sqft
    2023-10-01 0 days 1,991 sqft
    2023-11-01 0 days 2,039 sqft
    2023-12-01 0 days 2,022 sqft
    2024-01-01 0 days 2,136 sqft
    2024-02-01 0 days 2,092 sqft
    2024-03-01 0 days 1,988 sqft
    2024-04-01 0 days 2,091 sqft
    2024-05-01 0 days 2,020 sqft
    2024-06-01 0 days 1,954 sqft
    2024-07-01 0 days 1,873 sqft
    2024-08-01 0 days 1,932 sqft
    2024-09-01 0 days 1,901 sqft
    2024-10-01 0 days 2,074 sqft
    2024-11-01 0 days 2,021 sqft
    2024-12-01 0 days 2,077 sqft
    2025-01-01 0 days 1,990 sqft
    2025-02-01 0 days 1,845 sqft
    2025-03-01 0 days 1,905 sqft
    Sterling's median listing age (time on market) for 2025-03-01 was 0 days.

    Sterling's median square footage for active listings during the 2025-03-01 period was 1,905 sqft. One year prior, the average listing was 1,988 sqft.

    Sterling, CO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 230 $46,460,000 $202,000
    Cash Out Refi 58 $11,520,000 $198,621
    Refi 46 $8,600,000 $186,957
    Other 40 $3,370,000 $84,250
    Home Improvement 29 $1,755,000 $60,517

    Sterling's most frequently cited loan purpose was Home Purchase, with 230 originations. The 2nd most popular reason was Cash Out Refi, with 58 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 145 $33,345,000 $229,966
    Over 8% 80 $8,360,000 $104,500
    7-8% 75 $13,185,000 $175,800
    5-6% 48 $10,360,000 $215,833
    <2.5% 20 $200,000 $10,000
    4-5% 1 $165,000 $165,000
    2.5-3% 1 $245,000 $245,000

    During 2024, Sterling's most frequently originated rate bucket was 6-7%, with 145 originations.

    Loan Sizing (Sterling, CO MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 149 $40,395,000 $271,107
    $100k-200k 131 $19,495,000 $148,817
    $100,000 or less 109 $5,295,000 $48,578
    $400k-600k 14 $6,520,000 $465,714

    Sterling's loan sizing saw the bucket of loans from $200k-400k with 149 originations, totaling $40,395,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 158 $38,460,000 $243,418
    60-80% 87 $16,095,000 $185,000
    Under 20% 59 $1,875,000 $31,780
    20-40% 35 $3,495,000 $99,857
    40-60% 29 $5,075,000 $175,000
    Over 100% 1 $275,000 $275,000

    Sterling's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 158 originations, totaling $38,460,000 in origination value.