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.