Fort Collins VA Loan Rates, Closing Costs & Stats

FORT COLLINS, CO

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 0.41% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

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

The average rate for the prior week (2025-06-27) was 6.64% and one month ago for the week of 2025-05-30, the average rate was 6.77%.

The average rate one year ago was 6.48%.

For refis of the same type during the week of 2025-07-04, the average rate was 0.26%.

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%).

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.