Pueblo FHA Loan Rates, Closing Costs & Stats

PUEBLO, CO

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 0.18% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

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

The average rate for the prior week (2025-06-13) was 6.46% and one month ago for the week of 2025-05-16, the average rate was 6.62%.

The average rate one year ago was 6.77%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.4%.

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).