Boulder VA Loan Rates, Closing Costs & Stats

BOULDER, CO

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Boulder's 57 lenders originated 154 VA loans during 2024. The total origination value was $103,630,000, with an average VA loan value of $672,922.

    Boulder VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Boulder averaged 0.41% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Boulder's average VA mortgage closing costs are $8,249.

    The average rate for the prior week (2025-06-13) was 6.65% and one month ago for the week of 2025-05-16, the average rate was 6.81%.

    The average rate one year ago was 6.61%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.03%.

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

    Boulder VA Loan Lenders by Rates & Fees

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

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 32 5.94% $7,886
    CMG MORTGAGE, INC. 8 5.98% $20,047
    Mortgage Research Center, LLC 8 6.06% $16,904
    PENNYMAC LOAN SERVICES, LLC 7 5.50% $6,374
    QUICKEN LOANS, LLC 6 6.19% $5,892
    FREEDOM MORTGAGE CORPORATION 5 5.90% $6,174
    Ixonia Bank 4 6.47% $9,292
    CROSSCOUNTRY MORTGAGE, LLC 4 5.90% $11,683
    Elevations Credit Union 4 6.31% $10,859
    EAGLE HOME MORTGAGE, LLC 3 4.67% $0
    VILLAGE CAPITAL MORTGAGE 3 5.96% $4,991
    LEADERONE FINANCIAL CORPORATION 2 6.19% $29,747
    LOANDEPOT.COM, LLC 2 5.50% $22,781
    V.I.P. MORTGAGE, INC. 2 6.00% $2,121
    AMERICAN FINANCING CORPORATION 2 5.75% $19,239
    MOVEMENT MORTGAGE, LLC 2 6.19% $8,192
    GUILD MORTGAGE COMPANY 2 6.56% $8,229
    NAVY FEDERAL CREDIT UNION 2 6.13% $13,423
    NEW DAY FINANCIAL, LLC 2 7.24% $21,403
    HOMEAMERICAN MORTGAGE CORPORATION 2 5.69% $6,324
    PLANET HOME LENDING, LLC 2 5.50% $6,095
    Armed Forces Bank 2 5.69% $2,098
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.00% $11,283
    S1L, Inc. 2 5.50% $7,981
    First Federal Bank 2 5.75% $5,525
    PLAZA HOME MORTGAGE, INC. 1 5.63% $4,444
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.25% $12,916
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.50% $7,023
    SUCCESS MORTGAGE PARTNERS, INC. 1 7.63% $7,964
    The Huntington National Bank 1 5.88% $33,870
    USAA Federal Savings Bank 1 6.13% $11,215
    U.S. Bank 1 6.13% $10,939
    Zions Bank 1 5.63% $21,173
    American Mortgage & Equity Consultants, Inc. 1 6.25% $25,764
    Bank of Colorado 1 5.63% $4,209
    Barrington Bank & Trust Company, N.A. 1 6.25% $4,467
    BROKER SOLUTIONS, INC. 1 7.75% $4,350
    Carrington Mortgage Services, LLC 1 6.13% $8,480
    CASTLE & COOKE MORTGAGE, LLC 1 7.25% $22,773
    Century Mortgage Company DBA Century Lending Company 1 5.75% $4,657
    Commerce Home Mortgage, Inc. 1 6.50% $10,100
    ENDEAVOR CAPITAL, LLC. 1 5.75% $8,085
    Ent Credit Union 1 5.38% $8,051
    FLAT BRANCH MORTGAGE, INC. 1 6.38% $3,399
    GUARANTEED RATE, INC. 1 4.88% $1,430
    HOMESIDE FINANCIAL, LLC 1 6.63% $6,366
    HUNT MORTGAGE CORPORATION 1 5.25% $7,065
    INSPIRE HOME LOANS INC. 1 5.38% $2,865
    JET HOMELOANS, LLC 1 4.99% $4,092
    Keystone Funding, Inc. 1 5.75% $4,449
    LAKEVIEW LOAN SERVICING, LLC 1 5.25% $9,917
    MEGASTAR FINANCIAL CORP. 1 6.75% $19,779
    NATIONS DIRECT MORTGAGE, LLC 1 4.25% $21,468
    Nations Lending Corporation 1 6.75% $2,367
    NEWREZ LLC 1 4.88% $16,660
    PHH Mortgage Corporation 1 5.25% $11,489
    Plains Commerce Bank 1 6.00% $12,274

    The top Boulder VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 32 VA loans originated. Their average total fees are $7,886, which is $12,161 lower than the next largest lender, CMG MORTGAGE, INC..

    The lowest fee Boulder VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($7,886), .

    The lowest rate Boulder VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.94%), .

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.