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 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.