Denver VA Loan Rates, Closing Costs & Stats

DENVER-AURORA-LAKEWOOD, 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.

    Denver's 178 lenders originated 4,059 VA loans during 2024. The total origination value was $2,290,265,000, with an average VA loan value of $564,244.

    Denver VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Denver averaged 0.1% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Denver's average VA mortgage closing costs are $7,798.

    The average rate for the prior week (2025-06-13) was 6.75% and one month ago for the week of 2025-05-16, the average rate was 6.51%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.23%.

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

    Denver 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 Denver level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 747 5.86% $8,713
    Mortgage Research Center, LLC 301 6.08% $8,230
    QUICKEN LOANS, LLC 211 5.87% $11,232
    FREEDOM MORTGAGE CORPORATION 182 5.91% $14,180
    PENNYMAC LOAN SERVICES, LLC 111 5.61% $11,372
    EAGLE HOME MORTGAGE, LLC 105 4.56% $8,865
    NAVY FEDERAL CREDIT UNION 102 5.80% $7,463
    LOANDEPOT.COM, LLC 97 5.40% $16,480
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 85 6.15% $9,326
    HOMEAMERICAN MORTGAGE CORPORATION 79 4.87% $5,332
    V.I.P. MORTGAGE, INC. 66 6.12% $9,754
    NEWREZ LLC 66 5.93% $11,101
    CMG MORTGAGE, INC. 63 6.12% $11,219
    GUILD MORTGAGE COMPANY 62 6.13% $12,146
    GUARANTEED RATE, INC. 59 5.92% $5,697
    VILLAGE CAPITAL MORTGAGE 56 5.60% $8,783
    AMERICAN FINANCING CORPORATION 56 5.89% $17,386
    USAA Federal Savings Bank 55 6.09% $10,253
    CROSSCOUNTRY MORTGAGE, LLC 49 6.16% $9,405
    BROKER SOLUTIONS, INC. 48 6.29% $14,541
    MOVEMENT MORTGAGE, LLC 47 6.15% $14,197
    PLANET HOME LENDING, LLC 42 5.83% $9,336
    DHI MORTGAGE COMPANY, LTD. 38 5.15% $12,524
    INSPIRE HOME LOANS INC. 35 5.00% $9,723
    The Federal Savings Bank 34 6.01% $23,751
    South Pacific Financial Corporation 34 5.54% $8,004
    HOMESIDE FINANCIAL, LLC 32 6.03% $10,844
    NBKC BANK 31 5.86% $4,970
    ZILLOW HOME LOANS, LLC 30 5.96% $8,819
    NEW DAY FINANCIAL, LLC 29 7.47% $20,152
    Ixonia Bank 29 6.22% $12,972
    LAKEVIEW LOAN SERVICING, LLC 28 5.75% $8,610
    KBHS HOME LOANS, LLC 27 5.02% $7,576
    S1L, Inc. 23 6.06% $12,015
    NEST HOME LENDING, LLC 23 5.50% $8,335
    The Loan Store, Inc. 22 6.00% $9,410
    GUARANTEED RATE AFFINITY, LLC 22 5.98% $10,112
    Century Mortgage Company DBA Century Lending Company 18 5.97% $9,935
    TOWNE MORTGAGE COMPANY 18 6.17% $11,175
    JET HOMELOANS, LLC 18 5.74% $11,416
    TBI MORTGAGE COMPANY 18 5.97% $4,673
    SUN WEST MORTGAGE COMPANY, INC. 17 5.98% $15,616
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 17 6.17% $8,572
    BAY EQUITY LLC 16 6.18% $10,896
    MUTUAL OF OMAHA MORTGAGE, INC. 16 6.03% $19,595
    First Federal Bank 15 5.69% $7,300
    Plains Commerce Bank 15 6.03% $12,376
    Elevations Credit Union 15 6.09% $9,782
    American Mortgage & Equity Consultants, Inc. 15 6.36% $15,231
    PULTE MORTGAGE LLC 15 5.33% $7,320
    PLAZA HOME MORTGAGE, INC. 14 5.86% $16,399
    SWBC MORTGAGE CORPORATION 14 6.42% $7,564
    Sunflower Bank 13 5.98% $8,161
    NFM, INC. 13 5.94% $11,554
    Mr. Cooper ( Nationstar Mortgage ) 13 6.04% $15,195
    PRIMELENDING, A PLAINSCAPITAL COMPANY 12 6.17% $10,060
    Paramount Residential Mortgage Group, Inc. 12 6.03% $11,190
    PHH Mortgage Corporation 12 5.69% $8,080
    CLEARPATH LENDING 12 5.77% $9,608
    Keystone Funding, Inc. 12 5.78% $7,443
    EVERETT FINANCIAL, INC. 12 6.09% $21,958
    Equity Prime Mortgage LLC 12 6.54% $15,789
    Flagstar Bank, FSB 11 5.86% $10,375
    Ent Credit Union 11 5.90% $10,051
    UNION HOME MORTGAGE CORP. 11 5.87% $10,994
    MORTGAGE SOLUTIONS OF COLORADO, LLC 10 7.08% $8,716
    Northpointe Bank 10 6.06% $6,448
    Prosperity Home Mortgage, LLC 9 6.33% $11,079
    PENTAGON FEDERAL CREDIT UNION 9 5.74% $14,702
    INTERCAP LENDING INC. 8 6.53% $5,973
    Armed Forces Bank 8 5.94% $7,695
    Shea Mortgage Inc. 8 6.01% $4,814
    MEGASTAR FINANCIAL CORP. 8 6.06% $8,460
    U.S. Bank 8 5.87% $20,019
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 7 6.23% $13,069
    Magnolia Bank 7 5.95% $23,151
    JPMorgan Chase Bank 7 6.07% $6,432
    First Western Trust Bank 7 6.20% $7,408
    Lakeview Community Capital, LLC 7 5.80% $4,702
    AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.35% $15,609
    CARDINAL FINANCIAL 5 6.75% $15,582
    Servion, Inc. 5 6.60% $13,928
    NBH Bank 5 6.45% $5,605
    Wells Fargo Bank 5 6.30% $7,547
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 5.70% $16,329
    NOVA FINANCIAL & INVESTMENT CORPORATION 5 6.18% $4,031
    VERITAS FUNDING, LLC 5 6.58% $29,780
    Carrington Mortgage Services, LLC 5 6.23% $10,620
    Sierra Pacific Mortgage Company, Inc. 5 6.10% $8,062
    SUMMIT FUNDING, INC. 4 6.31% $11,812
    ALLIED MORTGAGE GROUP, INC. 4 6.56% $11,872
    LOANPAL, LLC 4 5.84% $11,559
    HOMEOWNERS FINANCIAL GROUP USA, LLC 4 5.66% $12,551
    Barrington Bank & Trust Company, N.A. 4 6.13% $4,510
    SECURITYNATIONAL MORTGAGE COMPANY 4 6.16% $16,533
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.00% $17,630
    SOUTHERN LENDING SERVICES, LTD. 3 5.83% $6,052
    AMERICAN FINANCIAL NETWORK, INC. 3 5.96% $8,384
    Nations Lending Corporation 3 5.67% $5,879
    Alpine Bank 3 5.96% $7,406
    BOKF 3 6.58% $10,592
    Waterstone Mortgage Corporation 3 6.92% $22,523
    SOUTHWEST FUNDING, LP 3 6.33% $6,437
    Cornerstone First Mortgage, Inc 3 6.54% $19,005
    The Huntington National Bank 3 6.04% $6,360
    EMM LOANS LLC 2 6.63% $26,023
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.75% $10,205
    AMERISAVE MORTGAGE CORPORATION 2 6.31% $33,068
    Bank of Colorado 2 6.25% $8,840
    Bank of England 2 6.94% $11,988
    BAY-VALLEY MORTGAGE GROUP 2 5.75% $19,453
    CANOPY MORTGAGE, LLC 2 6.50% $13,951
    FBC MORTGAGE, LLC 2 5.49% $3,991
    Financial Funding Solutions, Inc. 2 5.56% $10,006
    FIRST COMMUNITY MORTGAGE, INC. 2 6.49% $5,711
    GENEVA FINANCIAL, LLC 2 6.38% $15,070
    GoPrime Mortgage, Inc. 2 5.69% $14,395
    HUNT MORTGAGE CORPORATION 2 5.69% $5,054
    INTEGRITY MORTGAGE & FINANCIAL INCORPORATED 2 5.25% $17,908
    M2 Lending Solutions, LLC 2 6.44% $14,694
    Mid-Continent Funding, Inc. 2 5.88% $18,039
    NETWORK CAPITAL FUNDING CORPORATION 2 5.94% $18,580
    Network Funding, L.P. 2 5.94% $13,368
    North American Savings Bank, F.S.B. 2 5.81% $3,910
    NORWICH COMMERCIAL GROUP, INC. 2 6.44% $6,426
    OCMBC, INC. 2 6.00% $10,165
    The Central Trust Bank 2 6.12% $9,130
    THE MORTGAGE COMPANY 2 7.19% $15,384
    UNIVERSAL LENDING CORPORATION 2 5.31% $6,723
    WESTERRA CREDIT UNION 2 7.06% $4,330
    MLB RESIDENTIAL LENDING, LLC 1 6.25% $5,003
    MID AMERICA MORTGAGE, INC. 1 6.63% $2,281
    MICHIGAN MUTUAL, INC. 1 6.00% $12,951
    PLUS RELOCATION MORTGAGE, LLC 1 5.75% $31,948
    PNC Bank 1 6.75% $1,537
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.63% $3,812
    Merchants & Marine Bank 1 5.25% $1,435
    Loan Simple, Inc. 1 5.63% $14,445
    LEADERONE FINANCIAL CORPORATION 1 6.75% $19,529
    LADERA LENDING, INC. 1 6.13% $14,479
    RESIDENTIAL MORTGAGE, LLC 1 6.63% $15,472
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.13% $19,444
    KeyBank 1 5.38% $3,090
    JMAC LENDING, INC. 1 5.63% $14,365
    HOMEXPRESS MORTGAGE CORP. 1 6.50% $23,047
    Hometown Equity Mortgage, LLC 1 6.00% $9,322
    GSF Mortgage Corporation 1 6.12% $22,705
    GROUP MORTGAGE, LLC 1 6.25% $17,915
    Granite Community Bank 1 6.13% $3,965
    FLAT BRANCH MORTGAGE, INC. 1 6.25% $30,773
    FIRST COLONY MORTGAGE CORPORATION 1 6.75% $0
    ENVOY MORTGAGE, LTD 1 6.25% $11,794
    ENCORE BANK 1 6.63% $0
    Academy Bank 1 6.25% $2,261
    DIRECT MORTGAGE, CORP. 1 6.63% $17,984
    Texana Bank 1 6.13% $30,643
    ALLIANT CREDIT UNION 1 6.13% $2,454
    CORNERSTONE HOME LENDING, INC. 1 6.49% $9,212
    Commerce Home Mortgage, Inc. 1 5.63% $3,723
    Commerce Bank 1 6.63% $7,581
    ALAMEDA MORTGAGE CORPORATION 1 6.63% $4,123
    THOMPSON KANE & COMPANY, LLC 1 6.13% $4,078
    TOP FLITE FINANCIAL, INC. 1 6.75% $31,447
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $8,210
    BROOKHOLLOW MORTGAGE SERVICES, LTD 1 5.25% $25,150
    UNITED MORTGAGE CORP 1 6.75% $14,595
    BETTER MORTGAGE CORPORATION 1 5.50% $20,849
    AIR ACADEMY 1 6.00% $3,279
    BancorpSouth 1 6.63% $17,495
    AXIA FINANCIAL, LLC 1 7.00% $2,205
    US MORTGAGE CORPORATION 1 6.00% $41,053
    Ameris Bank 1 6.25% $3,062
    AmeriHome Mortgage Company, LLC 1 6.63% $2,514
    ALTITUDE FINANCIAL CORPORATION 1 5.75% $9,789
    OPEN MORTGAGE, LLC 1 5.75% $7,372
    OceanFirst Bank 1 5.75% $2,686
    NATIONS DIRECT MORTGAGE, LLC 1 6.13% $16,795
    MORIA DEVELOPMENT, INC. 1 6.25% $8,849

    The top Denver VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 747 VA loans originated. Their average total fees are $8,713, which is $483 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Denver VA lenders (with over 10 loans originated) are TBI MORTGAGE COMPANY ($4,673), NBKC BANK ($4,970), HOMEAMERICAN MORTGAGE CORPORATION ($5,332), GUARANTEED RATE, INC. ($5,697) and Northpointe Bank ($6,448).

    The lowest rate Denver VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.56%), HOMEAMERICAN MORTGAGE CORPORATION (4.87%), INSPIRE HOME LOANS INC. (5.00%), KBHS HOME LOANS, LLC (5.02%) and DHI MORTGAGE COMPANY, LTD. (5.15%).

    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.