Pueblo FHA Loan Rates, Closing Costs & Stats

PUEBLO, CO

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Pueblo's 99 lenders originated 990 FHA loans during 2024. The total origination value was $317,920,000, with an average FHA loan value of $321,131.

    Pueblo FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Pueblo averaged 6.4% for the week of 2025-07-11, compared to the national average (all FHA variants) of 6.523% for the same period.

    Pueblo's average FHA mortgage closing costs are $8,609.

    The average rate for the prior week (2025-07-04) was 6.43% and one month ago for the week of 2025-06-06, the average rate was 6.67%.

    The average rate one year ago was 6.5%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.22%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Pueblo FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Pueblo level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 145 6.04% $12,158
    QUICKEN LOANS, LLC 62 6.20% $12,025
    HOMESIDE FINANCIAL, LLC 57 6.76% $11,726
    CROSSCOUNTRY MORTGAGE, LLC 47 6.67% $11,347
    Ent Credit Union 41 6.20% $7,049
    PREMIER MORTGAGE SERVICES, INC. 37 6.44% $10,747
    Paramount Residential Mortgage Group, Inc. 37 6.62% $11,853
    NEWREZ LLC 37 6.23% $11,981
    MORTGAGE SOLUTIONS OF COLORADO, LLC 35 6.57% $12,745
    CORNERSTONE HOME LENDING, INC. 25 4.48% $11,823
    GUILD MORTGAGE COMPANY 25 6.68% $10,050
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 20 6.73% $11,098
    BROKER SOLUTIONS, INC. 17 6.76% $10,537
    FREEDOM MORTGAGE CORPORATION 16 6.27% $10,733
    HOMEAMERICAN MORTGAGE CORPORATION 15 4.96% $8,264
    LOANDEPOT.COM, LLC 15 6.16% $11,760
    The Central Trust Bank 14 6.79% $10,612
    Equity Prime Mortgage LLC 13 7.39% $13,662
    Century Mortgage Company DBA Century Lending Company 11 5.79% $8,907
    Loan Simple, Inc. 11 6.65% $10,165
    PRIMARY RESIDENTIAL MORTGAGE, INC. 10 6.43% $1,643
    Midwest Mortgage Associates Corporation 9 6.67% $8,781
    PENNYMAC LOAN SERVICES, LLC 9 5.94% $13,275
    LOANPAL, LLC 8 5.72% $12,314
    AMERICAN FINANCING CORPORATION 7 6.13% $13,660
    ENVOY MORTGAGE, LTD 7 6.52% $10,728
    NFM, INC. 7 6.43% $11,057
    SECURITYNATIONAL MORTGAGE COMPANY 5 6.73% $11,249
    VILLAGE CAPITAL MORTGAGE 4 6.37% $6,084
    Flagstar Bank, FSB 4 5.87% $7,762
    Lakeview Community Capital, LLC 4 6.25% $11,429
    AMERICAN FINANCIAL RESOURCES, INC. 4 7.09% $14,156
    Ixonia Bank 3 6.83% $10,759
    AMERICAN FINANCIAL NETWORK, INC. 3 7.33% $10,520
    AMERISAVE MORTGAGE CORPORATION 3 6.21% $18,697
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 5.88% $9,419
    SWBC MORTGAGE CORPORATION 3 6.92% $9,409
    SUN WEST MORTGAGE COMPANY, INC. 3 6.13% $10,579
    NOVA FINANCIAL & INVESTMENT CORPORATION 3 6.38% $5,044
    FLAT BRANCH MORTGAGE, INC. 3 6.41% $15,227
    Northpointe Bank 3 6.29% $11,974
    Mr. Cooper ( Nationstar Mortgage ) 3 5.71% $17,102
    GUARANTEED RATE, INC. 3 6.67% $8,728
    V.I.P. MORTGAGE, INC. 2 6.56% $13,919
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.13% $17,754
    DAS Acquisition Company, LLC 2 6.94% $7,963
    ENDEAVOR CAPITAL, LLC. 2 6.56% $7,570
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.63% $14,447
    LAKEVIEW LOAN SERVICING, LLC 2 6.50% $7,119
    MASON MCDUFFIE MORTGAGE CORPORATION 2 6.19% $14,249
    MOVEMENT MORTGAGE, LLC 2 6.44% $14,096
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.25% $15,432
    Nations Lending Corporation 2 6.81% $13,966
    PHH Mortgage Corporation 2 6.50% $8,645
    PLANET HOME LENDING, LLC 2 6.19% $6,971
    PLAZA HOME MORTGAGE, INC. 2 6.75% $11,764
    The Loan Store, Inc. 2 5.75% $9,587
    THE MORTGAGE COMPANY 2 6.13% $9,579
    TOWNE MORTGAGE COMPANY 2 5.94% $8,816
    NBH Bank 1 5.25% $9,960
    NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $5,818
    Glacier Bank 1 7.00% $16,763
    Gateway First Bank 1 6.25% $20,016
    Franklin Loan Corporation 1 6.25% $18,357
    Financial Funding Solutions, Inc. 1 7.38% $5,403
    OCMBC, INC. 1 7.25% $12,520
    ON Q FINANCIAL, INC. 1 6.75% $11,694
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $7,980
    EMM LOANS LLC 1 5.99% $13,519
    Peak Financial 1 6.00% $10,320
    CMG MORTGAGE, INC. 1 6.25% $13,562
    UNION HOME MORTGAGE CORP. 1 5.25% $20,906
    Plains Commerce Bank 1 5.00% $11,543
    UNITED MORTGAGE CORP 1 6.25% $12,768
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.63% $8,966
    PREMIER MEMBERS CREDIT UNION 1 6.63% $7,529
    CHURCHILL MORTGAGE CORPORATION 1 5.63% $16,773
    CENTENNIAL LENDING, LLC 1 6.13% $10,565
    Prosperity Home Mortgage, LLC 1 5.62% $9,220
    CASTLE & COOKE MORTGAGE, LLC 1 6.13% $6,366
    RELIANCE FIRST CAPITAL, LLC 1 7.13% $8,481
    ROYAL UNITED MORTGAGE LLC 1 6.75% $8,190
    S1L, Inc. 1 5.75% $10,522
    Carrington Mortgage Services, LLC 1 6.63% $10,448
    Servion, Inc. 1 7.13% $6,472
    CARDINAL FINANCIAL 1 5.75% $11,448
    BAY EQUITY LLC 1 6.25% $9,081
    Armed Forces Bank 1 6.63% $17,254
    U.S. Bank 1 6.13% $7,012
    American Mortgage & Equity Consultants, Inc. 1 6.25% $11,496
    MID AMERICA MORTGAGE, INC. 1 6.75% $4,128
    MORIA DEVELOPMENT, INC. 1 7.50% $15,945
    MORTGAGEONE, INC. 1 6.25% $11,860
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 4.63% $17,660
    Towne Bank 1 7.00% $8,947
    GUARANTEED RATE AFFINITY, LLC 1 5.25% $14,082
    M&T Bank 1 6.25% $7,310
    Alpine Bank 1 6.00% $7,122
    Truist 1 6.20% $9,890

    The top Pueblo FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 145 FHA loans originated. Their average total fees are $12,158, which is $133 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Pueblo FHA lenders (with over 10 loans originated) are PRIMARY RESIDENTIAL MORTGAGE, INC. ($1,643), Ent Credit Union ($7,049), HOMEAMERICAN MORTGAGE CORPORATION ($8,264), Century Mortgage Company DBA Century Lending Company ($8,907) and GUILD MORTGAGE COMPANY ($10,050).

    The lowest rate Pueblo FHA lenders (with over 10 loans originated) are CORNERSTONE HOME LENDING, INC. (4.48%), HOMEAMERICAN MORTGAGE CORPORATION (4.96%), Century Mortgage Company DBA Century Lending Company (5.79%), UNITED WHOLESALE MORTGAGE, LLC (6.04%) and LOANDEPOT.COM, LLC (6.16%).

    Pueblo FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    PUEBLO, CO PUEBLO 2022 $420,680 $538,650 $651,050 $809,150
    PUEBLO, CO PUEBLO 2023 $472,030 $604,400 $730,525 $907,900

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).