Fort Collins VA Loan Rates, Closing Costs & Stats

FORT COLLINS, 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.

    Fort Collins's 81 lenders originated 447 VA loans during 2024. The total origination value was $238,985,000, with an average VA loan value of $534,642.

    Fort Collins VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Fort Collins averaged 6.7% for the week of 2025-04-11, compared to the national average (all VA variants) of 6.292% for the same period.

    Fort Collins's average VA mortgage closing costs are $7,438.

    The average rate for the prior week (2025-04-04) was 6.14% and one month ago for the week of 2025-03-07, the average rate was 6.22%.

    The average rate one year ago was 6.63%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.35%.

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

    Fort Collins 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 Fort Collins level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 95 5.87% $9,913
    Mortgage Research Center, LLC 43 5.98% $7,632
    QUICKEN LOANS, LLC 19 5.75% $9,899
    DHI MORTGAGE COMPANY, LTD. 17 4.96% $9,461
    First Western Trust Bank 16 6.13% $6,283
    GUILD MORTGAGE COMPANY 12 6.39% $12,623
    LOANDEPOT.COM, LLC 12 5.84% $21,540
    GROUP MORTGAGE, LLC 12 6.18% $10,310
    CROSSCOUNTRY MORTGAGE, LLC 11 5.95% $10,776
    FREEDOM MORTGAGE CORPORATION 9 5.86% $11,252
    NAVY FEDERAL CREDIT UNION 9 5.82% $4,959
    GUARANTEED RATE, INC. 8 5.65% $8,183
    Elevations Credit Union 8 6.44% $10,421
    PENNYMAC LOAN SERVICES, LLC 8 5.61% $9,071
    JET HOMELOANS, LLC 7 5.13% $6,947
    CORNERSTONE HOME LENDING, INC. 6 5.67% $11,052
    LAKEVIEW LOAN SERVICING, LLC 6 5.52% $7,120
    EAGLE HOME MORTGAGE, LLC 5 4.50% $1,608
    HOMEAMERICAN MORTGAGE CORPORATION 5 4.75% $6,784
    NEWREZ LLC 5 5.93% $9,431
    AMERICAN FINANCING CORPORATION 4 6.00% $24,523
    SUCCESS MORTGAGE PARTNERS, INC. 4 6.28% $10,436
    VILLAGE CAPITAL MORTGAGE 4 6.06% $14,683
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.22% $4,889
    NEW DAY FINANCIAL, LLC 3 7.91% $23,434
    USAA Federal Savings Bank 3 6.17% $10,818
    PLANET HOME LENDING, LLC 3 5.71% $17,361
    Gateway First Bank 3 6.13% $10,492
    CMG MORTGAGE, INC. 3 6.21% $5,810
    NEST HOME LENDING, LLC 3 5.16% $4,774
    Century Mortgage Company DBA Century Lending Company 3 6.04% $5,473
    BROKER SOLUTIONS, INC. 3 6.25% $12,919
    Keystone Funding, Inc. 3 5.83% $14,922
    The Loan Store, Inc. 3 5.91% $5,252
    MOVEMENT MORTGAGE, LLC 3 5.92% $9,210
    FBC MORTGAGE, LLC 2 4.99% $14,490
    AMERISAVE MORTGAGE CORPORATION 2 5.50% $23,283
    Ent Credit Union 2 5.88% $5,738
    Equity Prime Mortgage LLC 2 6.00% $10,653
    First Federal Bank 2 5.63% $3,065
    Ixonia Bank 2 5.37% $11,456
    JPMorgan Chase Bank 2 6.75% $6,439
    LOANPAL, LLC 2 5.56% $18,261
    Magnolia Bank 2 6.00% $38,179
    Mr. Cooper ( Nationstar Mortgage ) 2 4.38% $10,797
    MUTUAL OF OMAHA MORTGAGE, INC. 2 5.44% $8,442
    NBKC BANK 2 5.81% $8,497
    TOWNE MORTGAGE COMPANY 2 5.50% $12,379
    U.S. Bank 2 5.56% $10,403
    Ameris Bank 1 6.13% $10,188
    Wells Fargo Bank 1 7.25% $3,378
    NATIONS DIRECT MORTGAGE, LLC 1 6.13% $3,096
    HOMESIDE FINANCIAL, LLC 1 5.62% $17,579
    American Mortgage & Equity Consultants, Inc. 1 7.25% $3,497
    GUARANTEED RATE AFFINITY, LLC 1 6.63% $23,234
    First National Bank of Omaha 1 6.63% $8,815
    FIRST COLONY MORTGAGE CORPORATION 1 5.25% $6,769
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $2,968
    Paramount Residential Mortgage Group, Inc. 1 5.25% $3,539
    Fifth Third Bank 1 6.25% $3,855
    PENTAGON FEDERAL CREDIT UNION 1 6.00% $6,961
    Plains Commerce Bank 1 6.75% $4,315
    AMERICAN FINANCIAL NETWORK, INC. 1 6.50% $14,187
    PLAZA HOME MORTGAGE, INC. 1 7.25% $7,500
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $13,325
    Prosperity Home Mortgage, LLC 1 5.75% $2,490
    EVERETT FINANCIAL, INC. 1 7.00% $10,946
    Stride Bank 1 6.63% $20,034
    Bank of Colorado 1 5.13% $2,043
    Sunflower Bank 1 5.99% $3,528
    SUN WEST MORTGAGE COMPANY, INC. 1 5.25% $3,361
    The Central Trust Bank 1 5.75% $13,442
    The Federal Savings Bank 1 6.13% $21,797
    Armed Forces Bank 1 5.75% $2,254
    V.I.P. MORTGAGE, INC. 1 6.75% $7,175
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $8,019
    MEGASTAR FINANCIAL CORP. 1 6.75% $3,549
    MORTGAGEONE, INC. 1 6.75% $2,431
    Lakeview Community Capital, LLC 1 5.75% $9,176
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 3.99% $11,236
    Independent Bank 1 5.88% $16,842

    The top Fort Collins VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 95 VA loans originated. Their average total fees are $9,913, which is $2,282 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Fort Collins VA lenders (with over 10 loans originated) are First Western Trust Bank ($6,283), Mortgage Research Center, LLC ($7,632), DHI MORTGAGE COMPANY, LTD. ($9,461), QUICKEN LOANS, LLC ($9,899) and UNITED WHOLESALE MORTGAGE, LLC ($9,913).

    The lowest rate Fort Collins VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.96%), QUICKEN LOANS, LLC (5.75%), LOANDEPOT.COM, LLC (5.84%), UNITED WHOLESALE MORTGAGE, LLC (5.87%) and CROSSCOUNTRY MORTGAGE, LLC (5.95%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fort Collins (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 $469,950 (6.7%) $578,375 (4.6%) 1.74 827
    2018-02-01 $473,815 (5.6%) $593,184 (4.9%) 1.72 811
    2018-03-01 $479,000 (6.5%) $613,146 (9.0%) 1.68 860
    2018-04-01 $491,200 (9.2%) $621,106 (12.3%) 1.67 905
    2018-05-01 $490,966 (8.1%) $616,989 (10.5%) 1.64 1,057
    2018-06-01 $481,675 (4.9%) $610,600 (6.7%) 1.61 1,157
    2018-07-01 $482,473 (6.7%) $604,629 (4.9%) 1.61 1,261
    2018-08-01 $466,475 (3.7%) $588,416 (3.0%) 1.56 1,326
    2018-09-01 $465,000 (3.3%) $588,612 (3.5%) 1.56 1,349
    2018-10-01 $454,496 (-0.1%) $578,446 (1.0%) 1.54 1,296
    2018-11-01 $449,063 (-2.1%) $570,267 (0.5%) 1.52 1,256
    2018-12-01 $439,945 (-5.4%) $563,078 (-2.4%) 1.52 1,129
    2019-01-01 $439,950 (-6.4%) $555,245 (-4.0%) 1.52 1,045
    2019-02-01 $441,400 (-6.8%) $553,575 (-6.7%) 1.49 1,042
    2019-03-01 $447,143 (-6.7%) $563,317 (-8.1%) 1.46 1,022
    2019-04-01 $451,200 (-8.1%) $571,456 (-8.0%) 1.43 1,035
    2019-05-01 $452,450 (-7.8%) $573,778 (-7.0%) 1.41 1,164
    2019-06-01 $444,000 (-7.8%) $558,200 (-8.6%) 1.39 1,382
    2019-07-01 $437,291 (-9.4%) $558,298 (-7.7%) 1.37 1,535
    2019-08-01 $433,713 (-7.0%) $554,263 (-5.8%) 1.37 1,509
    2019-09-01 $431,782 (-7.1%) $552,094 (-6.2%) 1.38 1,470
    2019-10-01 $430,495 (-5.3%) $551,520 (-4.7%) 1.39 1,425
    2019-11-01 $430,582 (-4.1%) $552,315 (-3.2%) 1.41 1,304
    2019-12-01 $433,127 (-1.6%) $553,131 (-1.8%) 1.44 1,128
    2020-01-01 $439,239 (-0.2%) $565,759 (1.9%) 1.47 1,009
    2020-02-01 $449,900 (1.9%) $571,034 (3.2%) 1.47 966
    2020-03-01 $451,767 (1.0%) $575,737 (2.2%) 1.42 975
    2020-04-01 $451,767 (0.1%) $584,953 (2.4%) 1.42 1,125
    2020-05-01 $460,000 (1.7%) $588,524 (2.6%) 1.40 1,289
    2020-06-01 $471,903 (6.3%) $599,742 (7.4%) 1.39 1,216
    2020-07-01 $469,125 (7.3%) $596,220 (6.8%) 1.36 1,150
    2020-08-01 $469,700 (8.3%) $602,305 (8.7%) 1.35 1,035
    2020-09-01 $464,595 (7.6%) $608,064 (10.1%) 1.33 930
    2020-10-01 $472,981 (9.9%) $615,561 (11.6%) 1.36 800
    2020-11-01 $473,000 (9.9%) $619,478 (12.2%) 1.38 730
    2020-12-01 $474,764 (9.6%) $624,630 (12.9%) 1.41 648
    2021-01-01 $478,326 (8.9%) $644,327 (13.9%) 1.43 489
    2021-02-01 $494,450 (9.9%) $695,991 (21.9%) 1.44 433
    2021-03-01 $518,028 (14.7%) $712,504 (23.8%) 1.47 377
    2021-04-01 $499,950 (10.7%) $694,158 (18.7%) 1.35 378
    2021-05-01 $545,130 (18.5%) $707,717 (20.3%) 1.45 376
    2021-06-01 $533,426 (13.0%) $697,139 (16.2%) 1.40 474
    2021-07-01 $549,000 (17.0%) $696,591 (16.8%) 1.45 554
    2021-08-01 $544,900 (16.0%) $690,411 (14.6%) 1.45 600
    2021-09-01 $544,900 (17.3%) $686,903 (13.0%) 1.45 590
    2021-10-01 $555,000 (17.3%) $707,612 (15.0%) 1.48 544
    2021-11-01 $563,879 (19.2%) $713,387 (15.2%) 1.51 430
    2021-12-01 $510,765 (7.6%) $625,795 (0.2%) 1.38 988
    2022-01-01 $604,245 (26.3%) $790,142 (22.6%) 1.63 262
    2022-02-01 $598,950 (21.1%) $832,905 (19.7%) 1.56 226
    2022-03-01 $606,250 (17.0%) $833,754 (17.0%) 1.52 246
    2022-04-01 $600,000 (20.0%) $809,965 (16.7%) 1.43 326
    2022-05-01 $625,050 (14.7%) $800,924 (13.2%) 1.43 504
    2022-06-01 $627,450 (17.6%) $794,139 (13.9%) 1.40 670
    2022-07-01 $635,750 (15.8%) $781,926 (12.3%) 1.43 828
    2022-08-01 $636,500 (16.8%) $809,283 (17.2%) 1.47 839
    2022-09-01 $621,100 (14.0%) $786,034 (14.4%) 1.45 881
    2022-10-01 $611,875 (10.3%) $785,467 (11.0%) 1.44 894
    2022-11-01 $585,000 (3.8%) $755,054 (5.8%) 1.41 901
    2022-12-01 $584,990 (14.5%) $756,466 (20.9%) 1.44 739
    2023-01-01 $587,000 (-2.9%) $765,428 (-3.1%) 1.45 627
    2023-02-01 $583,906 (-2.5%) $750,127 (-9.9%) 1.41 609
    2023-03-01 $603,720 (-0.4%) $774,913 (-7.1%) 1.42 610
    2023-04-01 $615,495 (2.6%) $803,381 (-0.8%) 1.43 645
    2023-05-01 $636,883 (1.9%) $812,710 (1.5%) 1.44 803
    2023-06-01 $643,300 (2.5%) $823,565 (3.7%) 1.45 940
    2023-07-01 $640,000 (0.7%) $820,271 (4.9%) 1.45 1,048
    2023-08-01 $627,473 (-1.4%) $800,228 (-1.1%) 1.44 1,088
    2023-09-01 $625,000 (0.6%) $809,244 (3.0%) 1.46 1,065
    2023-10-01 $619,968 (1.3%) $818,458 (4.2%) 1.46 1,092
    2023-11-01 $609,998 (4.3%) $819,783 (8.6%) 1.45 1,016
    2023-12-01 $600,000 (2.6%) $821,828 (8.6%) 1.46 845
    2024-01-01 $616,475 (5.0%) $813,376 (6.3%) 1.51 741
    2024-02-01 $619,470 (6.1%) $820,452 (9.4%) 1.49 729
    2024-03-01 $655,000 (8.5%) $844,054 (8.9%) 1.54 736
    2024-04-01 $649,375 (5.5%) $838,008 (4.3%) 1.51 835
    2024-05-01 $649,975 (2.1%) $835,826 (2.8%) 1.48 993
    2024-06-01 $630,000 (-2.1%) $812,823 (-1.3%) 1.43 1,188
    2024-07-01 $618,000 (-3.4%) $788,355 (-3.9%) 1.41 1,334
    2024-08-01 $604,950 (-3.6%) $791,358 (-1.1%) 1.41 1,467
    2024-09-01 $599,950 (-4.0%) $794,466 (-1.8%) 1.41 1,529
    2024-10-01 $599,970 (-3.2%) $794,255 (-3.0%) 1.41 1,485
    2024-11-01 $599,000 (-1.8%) $793,362 (-3.2%) 1.44 1,363
    2024-12-01 $593,750 (-1.0%) $794,136 (-3.4%) 1.48 1,102
    2025-01-01 $582,438 (-5.5%) $792,164 (-2.6%) 1.45 982
    2025-02-01 $589,750 (-4.8%) $812,255 (-1.0%) 1.43 1,002
    2025-03-01 $599,000 (-8.6%) $807,422 (-4.3%) 0.00 1,136
    Fort Collins's median listing price for 2025-03-01 was $599,000, a difference of $-56,000 (-8.6%) versus the prior year and $9,250 versus the prior month.

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

    Fort Collins's average listing price for 2025-03-01 was $807,422, a difference of $-36,632 (-4.3%) versus the prior year and $-4,833 versus the prior month.

    For the 2025-03-01 period, Fort Collins had 1,136 MLS listings, a difference of 134 listings (13%) versus the prior month and 400 listings (54%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fort Collins (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 85 days 3,007 sqft
    2018-02-01 59 days 2,976 sqft
    2018-03-01 45 days 3,031 sqft
    2018-04-01 41 days 3,013 sqft
    2018-05-01 36 days 2,895 sqft
    2018-06-01 37 days 2,839 sqft
    2018-07-01 43 days 2,826 sqft
    2018-08-01 45 days 2,795 sqft
    2018-09-01 50 days 2,786 sqft
    2018-10-01 54 days 2,745 sqft
    2018-11-01 57 days 2,735 sqft
    2018-12-01 69 days 2,696 sqft
    2019-01-01 66 days 2,608 sqft
    2019-02-01 55 days 2,664 sqft
    2019-03-01 48 days 2,687 sqft
    2019-04-01 43 days 2,755 sqft
    2019-05-01 37 days 2,796 sqft
    2019-06-01 37 days 2,696 sqft
    2019-07-01 40 days 2,684 sqft
    2019-08-01 47 days 2,607 sqft
    2019-09-01 53 days 2,596 sqft
    2019-10-01 57 days 2,589 sqft
    2019-11-01 60 days 2,594 sqft
    2019-12-01 71 days 2,663 sqft
    2020-01-01 74 days 2,663 sqft
    2020-02-01 60 days 2,695 sqft
    2020-03-01 44 days 2,700 sqft
    2020-04-01 44 days 2,690 sqft
    2020-05-01 46 days 2,741 sqft
    2020-06-01 40 days 2,745 sqft
    2020-07-01 40 days 2,730 sqft
    2020-08-01 40 days 2,720 sqft
    2020-09-01 44 days 2,638 sqft
    2020-10-01 44 days 2,580 sqft
    2020-11-01 52 days 2,517 sqft
    2020-12-01 59 days 2,521 sqft
    2021-01-01 73 days 2,490 sqft
    2021-02-01 40 days 2,489 sqft
    2021-03-01 49 days 2,541 sqft
    2021-04-01 45 days 2,418 sqft
    2021-05-01 33 days 2,557 sqft
    2021-06-01 30 days 2,481 sqft
    2021-07-01 37 days 2,493 sqft
    2021-08-01 32 days 2,476 sqft
    2021-09-01 36 days 2,480 sqft
    2021-10-01 37 days 2,466 sqft
    2021-11-01 44 days 2,501 sqft
    2021-12-01 59 days 2,396 sqft
    2022-01-01 50 days 2,600 sqft
    2022-02-01 29 days 2,470 sqft
    2022-03-01 25 days 2,516 sqft
    2022-04-01 18 days 2,529 sqft
    2022-05-01 17 days 2,519 sqft
    2022-06-01 23 days 2,607 sqft
    2022-07-01 27 days 2,648 sqft
    2022-08-01 36 days 2,651 sqft
    2022-09-01 39 days 2,571 sqft
    2022-10-01 44 days 2,605 sqft
    2022-11-01 45 days 2,485 sqft
    2022-12-01 64 days 2,485 sqft
    2023-01-01 71 days 2,470 sqft
    2023-02-01 59 days 2,437 sqft
    2023-03-01 47 days 2,500 sqft
    2023-04-01 37 days 2,581 sqft
    2023-05-01 32 days 2,590 sqft
    2023-06-01 34 days 2,612 sqft
    2023-07-01 37 days 2,577 sqft
    2023-08-01 41 days 2,542 sqft
    2023-09-01 45 days 2,610 sqft
    2023-10-01 47 days 2,543 sqft
    2023-11-01 52 days 2,488 sqft
    2023-12-01 66 days 2,463 sqft
    2024-01-01 71 days 2,457 sqft
    2024-02-01 53 days 2,418 sqft
    2024-03-01 38 days 2,587 sqft
    2024-04-01 37 days 2,562 sqft
    2024-05-01 33 days 2,583 sqft
    2024-06-01 36 days 2,497 sqft
    2024-07-01 42 days 2,478 sqft
    2024-08-01 48 days 2,471 sqft
    2024-09-01 51 days 2,441 sqft
    2024-10-01 58 days 2,419 sqft
    2024-11-01 65 days 2,396 sqft
    2024-12-01 73 days 2,306 sqft
    2025-01-01 75 days 2,239 sqft
    2025-02-01 51 days 2,291 sqft
    2025-03-01 0 days 2,331 sqft
    Fort Collins's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Fort Collins's median square footage for active listings during the 2025-03-01 period was 2,331 sqft. One year prior, the average listing was 2,587 sqft.

    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.