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 77 lenders originated 355 VA loans during 2023. The total origination value was $185,335,000, with an average VA loan value of $522,070.

    Fort Collins VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Fort Collins averaged 6.64% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Fort Collins's average VA mortgage closing costs are $7,266.

    The average rate for the prior week (2025-02-07) was 6.58% and one month ago for the week of 2025-01-10, the average rate was 6.51%.

    The average rate one year ago was 6.24%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.62%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 56 6.09% $8,756
    Mortgage Research Center, LLC 28 6.65% $10,106
    QUICKEN LOANS, LLC 19 5.86% $19,631
    DHI MORTGAGE COMPANY, LTD. 16 5.14% $13,971
    CORNERSTONE HOME LENDING, INC. 12 5.91% $14,138
    GUARANTEED RATE, INC. 10 6.30% $14,672
    USAA Federal Savings Bank 9 6.42% $13,521
    HOMEAMERICAN MORTGAGE CORPORATION 9 4.99% $6,813
    CROSSCOUNTRY MORTGAGE, LLC 9 6.56% $12,997
    GROUP MORTGAGE, LLC 8 5.86% $19,493
    CMG MORTGAGE, INC. 8 6.11% $11,929
    First Western Trust Bank 7 6.30% $5,213
    ACADEMY MORTGAGE CORPORATION 7 6.05% $19,431
    EAGLE HOME MORTGAGE, LLC 7 4.75% $6,673
    Bank of Colorado 6 5.96% $17,230
    NAVY FEDERAL CREDIT UNION 6 6.44% $5,360
    AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.17% $12,533
    PENNYMAC LOAN SERVICES, LLC 5 5.45% $9,375
    LOANDEPOT.COM, LLC 5 5.99% $20,729
    BROKER SOLUTIONS, INC. 5 6.55% $9,052
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.55% $9,469
    Gateway First Bank 5 6.33% $10,067
    UNIVERSAL LENDING CORPORATION 4 5.84% $6,503
    MOVEMENT MORTGAGE, LLC 4 7.06% $11,736
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.00% $14,887
    JET HOMELOANS, LLC 4 5.74% $9,084
    NEST HOME LENDING, LLC 4 5.62% $12,661
    TOWNE MORTGAGE COMPANY 3 6.67% $5,322
    AMERICAN FINANCING CORPORATION 3 5.33% $18,032
    Plains Commerce Bank 3 5.83% $14,920
    GUILD MORTGAGE COMPANY 3 6.50% $16,973
    U.S. Bank 3 6.75% $18,421
    The Federal Savings Bank 3 6.42% $22,458
    INTERCAP LENDING INC. 2 6.88% $13,416
    BAY EQUITY LLC 2 5.81% $8,856
    CARDINAL FINANCIAL 2 6.50% $7,913
    FREEDOM MORTGAGE CORPORATION 2 6.75% $23,009
    GUARANTEED RATE AFFINITY, LLC 2 6.94% $2,457
    HOME MORTGAGE ALLIANCE, LLC 2 5.94% $2,498
    NBH Bank 2 5.44% $13,804
    NEWREZ LLC 2 5.94% $4,460
    PENTAGON FEDERAL CREDIT UNION 2 5.50% $3,477
    HomePromise Corporation 1 5.75% $20,460
    LOANPAL, LLC 1 6.63% $1,818
    Flagstar Bank, FSB 1 6.25% $37,445
    First National Bank of Omaha 1 7.00% $10,110
    First Federal Bank of Kansas City 1 5.50% $800
    Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $37,074
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.13% $18,172
    FIRST COLONY MORTGAGE CORPORATION 1 6.75% $6,312
    VERITAS FUNDING, LLC 1 5.99% $48,609
    Ent Credit Union 1 5.50% $3,616
    NEW DAY FINANCIAL, LLC 1 7.75% $6,628
    VILLAGE CAPITAL MORTGAGE 1 6.50% $12,445
    North American Savings Bank, F.S.B. 1 6.50% $4,430
    Paramount Residential Mortgage Group, Inc. 1 5.75% $3,487
    Cornerstone First Mortgage, Inc 1 7.49% $1,781
    Wells Fargo Bank 1 6.38% $7,058
    PHH Mortgage Corporation 1 6.63% $25,769
    CHERRY CREEK MORTGAGE, LLC 1 4.75% $0
    PLAZA HOME MORTGAGE, INC. 1 5.75% $4,793
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 4.88% $10,130
    Century Mortgage Company DBA Century Lending Company 1 5.13% $7,006
    RELIANCE FIRST CAPITAL, LLC 1 5.50% $13,202
    Servion, Inc. 1 6.50% $15,657
    SOVEREIGN LENDING GROUP INCORPORATED 1 6.13% $6,466
    SUMMIT FUNDING, INC. 1 6.25% $12,345
    SUN WEST MORTGAGE COMPANY, INC. 1 6.00% $8,076
    Carrington Mortgage Services, LLC 1 2.88% $2,209
    CALCON MUTUAL MORTGAGE LLC 1 5.50% $15,348
    Barrington Bank & Trust Company, N.A. 1 6.17% $9,082
    American Mortgage & Equity Consultants, Inc. 1 6.25% $5,591
    AMERICAN FINANCIAL NETWORK, INC. 1 6.25% $800
    ALLIED MORTGAGE GROUP, INC. 1 6.50% $13,548
    Ixonia Bank 1 6.25% $13,719
    INTEGRITY MORTGAGE & FINANCIAL INCORPORATED 1 6.25% $42,208
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $13,811

    The top Fort Collins VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 56 VA loans originated. Their average total fees are $8,756, which is $1,350 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Fort Collins VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($8,756), Mortgage Research Center, LLC ($10,106), DHI MORTGAGE COMPANY, LTD. ($13,971), CORNERSTONE HOME LENDING, INC. ($14,138) and GUARANTEED RATE, INC. ($14,672).

    The lowest rate Fort Collins VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.14%), QUICKEN LOANS, LLC (5.86%), CORNERSTONE HOME LENDING, INC. (5.91%), UNITED WHOLESALE MORTGAGE, LLC (6.09%) and GUARANTEED RATE, INC. (6.30%).

    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%) 1.45 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%) 1.53 246
    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%) 1.50 741
    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%) 0.00 982
    Fort Collins's median listing price for 2025-01-01 was $582,438, a difference of $-34,037 (-5.5%) versus the prior year and $-11,312 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 2025-01-01 was $792,164, a difference of $-21,212 (-2.6%) versus the prior year and $-1,972 versus the prior month.

    For the 2025-01-01 period, Fort Collins had 982 MLS listings, a difference of -120 listings (-11%) versus the prior month and 241 listings (33%) 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 70 days 2,663 sqft
    2020-01-01 75 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 43 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 38 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 51 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 31 days 2,583 sqft
    2024-06-01 31 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 0 days 2,239 sqft
    Fort Collins's median listing age (time on market) for 2025-01-01 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 2025-01-01 period was 2,239 sqft. One year prior, the average listing was 2,457 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.