Greeley VA Loan Rates, Closing Costs & Stats

GREELEY, 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.

    Greeley's 125 lenders originated 996 VA loans during 2022. The total origination value was $466,350,000, with an average VA loan value of $468,223.

    Greeley VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Greeley averaged 6.39% for the week of 2023-09-22, compared to the national average (all VA variants) of 6.823% for the same period.

    Greeley's average VA mortgage closing costs are $7,130.

    The average rate for the prior week (2023-09-15) was 6.67% and one month ago for the week of 2023-08-18, the average rate was 6.45%.

    The average rate one year ago was 5.61%.

    For refis of the same type during the week of 2023-09-22, the average rate was 5.6%.

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

    Greeley 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 Greeley level.

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 116 4.04% $9,538
    Mortgage Research Center, LLC 67 5.11% $9,532
    DHI MORTGAGE COMPANY, LTD. 59 3.68% $11,343
    LOANDEPOT.COM, LLC 52 4.18% $11,210
    QUICKEN LOANS, LLC 38 3.98% $15,795
    PENNYMAC LOAN SERVICES, LLC 32 3.23% $10,487
    FREEDOM MORTGAGE CORPORATION 31 4.08% $13,297
    AMERICAN FINANCING CORPORATION 28 3.85% $11,915
    PRIMARY RESIDENTIAL MORTGAGE, INC. 26 4.77% $10,102
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 25 4.34% $10,745
    HOME POINT FINANCIAL CORPORATION 22 3.86% $9,657
    CROSSCOUNTRY MORTGAGE, LLC 21 4.73% $15,272
    NAVY FEDERAL CREDIT UNION 21 3.82% $10,501
    CHERRY CREEK MORTGAGE, LLC 19 4.09% $7,805
    CALIBER HOME LOANS, INC. 18 4.51% $10,981
    HOMEAMERICAN MORTGAGE CORPORATION 15 3.63% $5,792
    CORNERSTONE HOME LENDING, INC. 13 4.82% $8,998
    EAGLE HOME MORTGAGE, LLC 13 4.26% $6,447
    BROKER SOLUTIONS, INC. 12 4.18% $17,401
    USAA Federal Savings Bank 12 4.00% $6,551
    MORTGAGE SOLUTIONS OF COLORADO, LLC 12 4.79% $17,532
    The Federal Savings Bank 12 4.38% $18,169
    UNIVERSAL LENDING CORPORATION 11 5.03% $12,549
    Mr. Cooper ( Nationstar Mortgage ) 10 4.34% $11,477
    Gateway First Bank 9 4.90% $10,966
    Amerifirst Financial, Inc. 9 4.53% $13,167
    GUARANTEED RATE, INC. 9 5.42% $7,322
    AMERISAVE MORTGAGE CORPORATION 8 4.31% $21,276
    CMG MORTGAGE, INC. 7 5.02% $11,165
    Wells Fargo Bank 6 4.06% $5,736
    NEST HOME LENDING, LLC 6 4.69% $10,100
    AMERICAN PACIFIC MORTGAGE CORPORATION 6 4.94% $13,878
    Ent Credit Union 6 3.88% $10,272
    GUARANTEED RATE AFFINITY, LLC 6 4.25% $7,711
    GUILD MORTGAGE COMPANY 6 3.60% $20,711
    ACADEMY MORTGAGE CORPORATION 6 4.75% $6,072
    NFM, INC. 5 4.98% $10,661
    GROUP MORTGAGE, LLC 5 4.10% $17,762
    PLANET HOME LENDING, LLC 5 4.17% $12,318
    VILLAGE CAPITAL MORTGAGE 5 3.10% $11,794
    CLEARPATH LENDING 5 2.92% $8,931
    JET HOMELOANS, LLC 5 4.25% $10,678
    NEW DAY FINANCIAL, LLC 5 5.02% $17,744
    LAKEVIEW LOAN SERVICING, LLC 5 3.08% $7,059
    Northpointe Bank 5 4.93% $22,212
    CARDINAL FINANCIAL 5 3.83% $9,710
    Carrington Mortgage Services, LLC 5 5.13% $13,970
    Equity Prime Mortgage LLC 4 4.84% $11,558
    Financial Funding Solutions, Inc. 4 4.44% $10,788
    SUN WEST MORTGAGE COMPANY, INC. 4 3.06% $6,630
    First National Bank of Omaha 4 4.81% $16,763
    Flagstar Bank, FSB 4 3.34% $13,361
    American Mortgage & Equity Consultants, Inc. 4 4.25% $10,396
    North American Savings Bank, F.S.B. 4 4.16% $8,392
    HOME MORTGAGE ALLIANCE, LLC 4 5.22% $12,924
    INSPIRE HOME LOANS INC. 4 3.84% $22,117
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 4.63% $19,378
    Elevations Credit Union 4 4.38% $10,246
    FINANCE OF AMERICA MORTGAGE LLC 3 4.17% $5,577
    Strong Home Mortgage, LLC 3 3.46% $8,971
    KBHS HOME LOANS, LLC 3 4.04% $18,101
    Bank of Colorado 3 4.67% $12,071
    MOVEMENT MORTGAGE, LLC 3 4.38% $15,462
    Commerce Home Mortgage, Inc. 3 4.13% $23,001
    NEWREZ LLC 3 3.33% $12,247
    Century Mortgage Company DBA Century Lending Company 3 4.71% $16,382
    V.I.P. MORTGAGE, INC. 3 4.08% $7,464
    Wyndham Capital Mortgage, Inc. 2 2.69% $1,920
    AMCAP MORTGAGE, LTD. 2 4.56% $13,719
    Armed Forces Bank 2 3.75% $7,500
    BOKF 2 4.94% $13,681
    BROOKHOLLOW MORTGAGE SERVICES, LTD 2 4.81% $12,004
    DRAPER AND KRAMER MORTGAGE CORP. 2 4.38% $2,658
    EVERETT FINANCIAL, INC. 2 5.56% $8,755
    First Guaranty Mortgage Corporation 2 3.38% $4,060
    First Western Trust Bank 2 5.63% $11,127
    LOANPAL, LLC 2 3.63% $18,674
    MEGASTAR FINANCIAL CORP. 2 5.06% $6,712
    NBH Bank 2 4.13% $13,767
    NBKC BANK 2 4.44% $9,358
    NOVA FINANCIAL & INVESTMENT CORPORATION 2 3.50% $1,375
    PENTAGON FEDERAL CREDIT UNION 2 3.56% $7,654
    S1L, Inc. 2 4.31% $8,352
    TOWNE MORTGAGE COMPANY 2 3.69% $6,638
    U.S. Bank 2 3.88% $15,389
    VAN DYK MORTGAGE CORPORATION 2 3.94% $15,528
    Mid-Continent Funding, Inc. 1 2.75% $7,269
    Bank of England 1 4.25% $14,383
    OCEANSIDE MORTGAGE COMPANY 1 2.99% $4,643
    Paramount Residential Mortgage Group, Inc. 1 5.00% $26,345
    Peak Financial 1 2.75% $16,683
    MASON MCDUFFIE MORTGAGE CORPORATION 1 5.63% $8,212
    Victorian Finance, LLC 1 7.25% $6,365
    Plains Commerce Bank 1 6.75% $17,198
    Low VA Rates, LLC 1 3.25% $28,238
    PLAZA HOME MORTGAGE, INC. 1 3.88% $5,508
    J. VIRGIL, INC. 1 4.75% $5,394
    Prime Choice Funding Inc. 1 4.75% $23,516
    JPMorgan Chase Bank 1 6.63% $0
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 4.25% $7,342
    BECKAM FUNDING CORP. 1 5.25% $15,702
    Sierra Pacific Mortgage Company, Inc. 1 7.13% $5,995
    GENEVA FINANCIAL, LLC 1 4.00% $29,950
    SUMMIT FUNDING, INC. 1 4.99% $13,498
    Summit Mortgage Corporation 1 6.00% $4,107
    First Federal Bank 1 4.63% $6,146
    SWBC MORTGAGE CORPORATION 1 3.63% $3,076
    T2 FINANCIAL LLC 1 5.25% $8,755
    CONTOUR MORTGAGE CORPORATION 1 5.63% $40,350
    THRIVE MORTGAGE, LLC 1 3.25% $17,560
    BAY EQUITY LLC 1 5.75% $32,625
    Truist 1 3.25% $1,553
    UNION HOME MORTGAGE CORP. 1 2.25% $2,702
    Union Savings Bank 1 5.13% $0
    UNITED MORTGAGE CORP 1 4.75% $14,275
    CITYWIDE HOME LOANS, LLC 1 5.25% $15,034
    CHURCHILL MORTGAGE CORPORATION 1 5.25% $16,454
    BNC National Bank 1 5.25% $5,644
    Barrington Bank & Trust Company, N.A. 1 5.50% $5,415
    NETWORK CAPITAL FUNDING CORPORATION 1 2.25% $1,250
    Nations Lending Corporation 1 4.13% $23,794
    NATIONS DIRECT MORTGAGE, LLC 1 3.99% $10,408
    NexBank 1 4.25% $11,751
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.00% $58,634
    MORIA DEVELOPMENT, INC. 1 3.25% $4,522

    The top Greeley VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 116 VA loans originated. Their average total fees are $9,538, which is $6 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Greeley VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($5,792), EAGLE HOME MORTGAGE, LLC ($6,447), USAA Federal Savings Bank ($6,551), CHERRY CREEK MORTGAGE, LLC ($7,805) and CORNERSTONE HOME LENDING, INC. ($8,998).

    The lowest rate Greeley VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (3.23%), HOMEAMERICAN MORTGAGE CORPORATION (3.63%), DHI MORTGAGE COMPANY, LTD. (3.68%), NAVY FEDERAL CREDIT UNION (3.82%) and AMERICAN FINANCING CORPORATION (3.85%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Greeley (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 $400,191 (9.3%) $462,512 (5.4%) 1.48 699
    2018-02-01 $400,377 (5.4%) $473,878 (4.7%) 1.46 676
    2018-03-01 $407,900 (7.6%) $477,196 (5.1%) 1.43 672
    2018-04-01 $399,950 (3.0%) $472,585 (2.3%) 1.36 684
    2018-05-01 $410,000 (3.2%) $491,436 (4.1%) 1.37 681
    2018-06-01 $409,450 (2.5%) $488,078 (4.8%) 1.37 752
    2018-07-01 $398,928 (2.3%) $489,028 (6.7%) 1.33 803
    2018-08-01 $395,056 (0.0%) $474,319 (1.4%) 1.32 869
    2018-09-01 $395,000 (-1.2%) $467,174 (-0.3%) 1.33 969
    2018-10-01 $390,248 (-3.3%) $465,869 (-1.4%) 1.32 1,043
    2018-11-01 $396,250 (-0.9%) $467,597 (-0.3%) 1.34 1,026
    2018-12-01 $398,679 (-0.3%) $469,924 (0.7%) 1.38 928
    2019-01-01 $395,137 (-1.3%) $474,141 (2.5%) 1.37 864
    2019-02-01 $393,789 (-1.7%) $470,125 (-0.8%) 1.33 856
    2019-03-01 $406,429 (-0.4%) $475,815 (-0.3%) 1.33 895
    2019-04-01 $411,404 (2.9%) $479,655 (1.5%) 1.31 960
    2019-05-01 $412,100 (0.5%) $477,307 (-2.9%) 1.29 990
    2019-06-01 $409,700 (0.1%) $472,627 (-3.2%) 1.28 1,108
    2019-07-01 $400,000 (0.3%) $462,879 (-5.4%) 1.25 1,163
    2019-08-01 $399,900 (1.2%) $463,205 (-2.3%) 1.27 1,185
    2019-09-01 $399,900 (1.2%) $463,989 (-0.7%) 1.28 1,175
    2019-10-01 $399,875 (2.5%) $464,496 (-0.3%) 1.29 1,159
    2019-11-01 $402,000 (1.5%) $471,538 (0.8%) 1.32 1,078
    2019-12-01 $404,904 (1.6%) $478,730 (1.9%) 1.35 951
    2020-01-01 $417,000 (5.5%) $498,015 (5.0%) 1.39 780
    2020-02-01 $425,000 (7.9%) $503,837 (7.2%) 1.39 687
    2020-03-01 $437,013 (7.5%) $509,580 (7.1%) 1.37 713
    2020-04-01 $425,000 (3.3%) $501,534 (4.6%) 1.33 854
    2020-05-01 $425,000 (3.1%) $501,852 (5.1%) 1.29 966
    2020-06-01 $424,926 (3.7%) $504,767 (6.8%) 1.25 932
    2020-07-01 $432,190 (8.1%) $513,291 (10.9%) 1.25 844
    2020-08-01 $424,740 (6.2%) $512,099 (10.6%) 1.22 823
    2020-09-01 $425,563 (6.4%) $516,688 (11.4%) 1.22 783
    2020-10-01 $428,900 (7.3%) $518,915 (11.7%) 1.23 677
    2020-11-01 $428,620 (6.6%) $522,237 (10.8%) 1.25 628
    2020-12-01 $424,825 (4.9%) $519,546 (8.5%) 1.26 539
    2021-01-01 $442,744 (6.2%) $551,130 (10.7%) 1.32 454
    2021-02-01 $455,963 (7.3%) $580,510 (15.2%) 1.33 388
    2021-03-01 $461,973 (5.7%) $582,646 (14.3%) 1.31 382
    2021-04-01 $474,625 (11.7%) $592,697 (18.2%) 1.28 370
    2021-05-01 $475,000 (11.8%) $574,356 (14.5%) 1.26 354
    2021-06-01 $487,000 (14.6%) $577,761 (14.5%) 1.28 376
    2021-07-01 $485,000 (12.2%) $581,732 (13.3%) 1.28 450
    2021-08-01 $499,998 (17.7%) $590,492 (15.3%) 1.33 452
    2021-09-01 $493,950 (16.1%) $609,604 (18.0%) 1.32 459
    2021-10-01 $497,682 (16.0%) $632,210 (21.8%) 1.33 462
    2021-11-01 $490,388 (14.4%) $627,237 (20.1%) 1.31 425
    2021-12-01 $454,005 (6.9%) $564,070 (8.6%) 1.23 764
    2022-01-01 $499,950 (12.9%) $657,478 (19.3%) 1.35 286
    2022-02-01 $505,000 (10.8%) $699,308 (20.5%) 1.31 273
    2022-03-01 $521,450 (12.9%) $679,859 (16.7%) 1.31 300
    2022-04-01 $535,755 (12.9%) $694,588 (17.2%) 1.28 308
    2022-05-01 $539,748 (13.6%) $700,869 (22.0%) 1.23 444
    2022-06-01 $550,000 (12.9%) $685,718 (18.7%) 1.22 644
    2022-07-01 $545,000 (12.4%) $677,409 (16.5%) 1.23 875
    2022-08-01 $532,000 (6.4%) $670,826 (13.6%) 1.23 917
    2022-09-01 $523,095 (5.9%) $659,503 (8.2%) 1.22 926
    2022-10-01 $513,450 (3.2%) $645,080 (2.0%) 1.21 909
    2022-11-01 $512,470 (4.5%) $629,136 (0.3%) 1.23 929
    2022-12-01 $509,950 (12.3%) $630,054 (11.7%) 1.26 771
    2023-01-01 $516,371 (3.3%) $629,160 (-4.3%) 1.28 689
    2023-02-01 $517,294 (2.4%) $637,308 (-8.9%) 1.25 603
    2023-03-01 $527,287 (1.1%) $650,153 (-4.4%) 1.24 599
    2023-04-01 $540,000 (0.8%) $676,039 (-2.7%) 1.26 653
    2023-05-01 $540,095 (0.1%) $679,484 (-3.1%) 1.22 718
    2023-06-01 $541,950 (-1.5%) $676,882 (-1.3%) 1.22 797
    2023-07-01 $540,000 (-0.9%) $654,100 (-3.4%) 1.23 892
    2023-08-01 $533,650 (0.3%) $657,414 (-2.0%) 1.23 925
    Greeley's median listing price for 2023-08-01 was $533,650, a difference of $1,650 (0.3%) versus the prior year and $-6,350 versus the prior month.

    Greeley's median listing price comes in at 123% of the national average.

    Greeley's average listing price for 2023-08-01 was $657,414, a difference of $-13,412 (-2.0%) versus the prior year and $3,314 versus the prior month.

    For the 2023-08-01 period, Greeley had 925 MLS listings, a difference of 33 listings (4%) versus the prior month and 8 listings (1%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Greeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 67 days 3,110 sqft
    2018-02-01 52 days 3,100 sqft
    2018-03-01 36 days 3,082 sqft
    2018-04-01 32 days 3,002 sqft
    2018-05-01 33 days 3,092 sqft
    2018-06-01 34 days 3,013 sqft
    2018-07-01 36 days 2,967 sqft
    2018-08-01 33 days 2,923 sqft
    2018-09-01 37 days 2,928 sqft
    2018-10-01 40 days 2,890 sqft
    2018-11-01 49 days 2,913 sqft
    2018-12-01 58 days 2,893 sqft
    2019-01-01 57 days 2,844 sqft
    2019-02-01 39 days 2,832 sqft
    2019-03-01 38 days 2,872 sqft
    2019-04-01 38 days 2,919 sqft
    2019-05-01 38 days 2,906 sqft
    2019-06-01 37 days 2,876 sqft
    2019-07-01 41 days 2,832 sqft
    2019-08-01 42 days 2,813 sqft
    2019-09-01 43 days 2,809 sqft
    2019-10-01 44 days 2,810 sqft
    2019-11-01 49 days 2,851 sqft
    2019-12-01 56 days 2,833 sqft
    2020-01-01 65 days 2,910 sqft
    2020-02-01 44 days 2,994 sqft
    2020-03-01 31 days 3,033 sqft
    2020-04-01 35 days 2,909 sqft
    2020-05-01 40 days 2,873 sqft
    2020-06-01 37 days 2,841 sqft
    2020-07-01 37 days 2,917 sqft
    2020-08-01 35 days 2,840 sqft
    2020-09-01 37 days 2,742 sqft
    2020-10-01 38 days 2,761 sqft
    2020-11-01 42 days 2,682 sqft
    2020-12-01 52 days 2,636 sqft
    2021-01-01 64 days 2,687 sqft
    2021-02-01 37 days 2,741 sqft
    2021-03-01 25 days 2,673 sqft
    2021-04-01 27 days 2,672 sqft
    2021-05-01 25 days 2,686 sqft
    2021-06-01 27 days 2,586 sqft
    2021-07-01 26 days 2,572 sqft
    2021-08-01 31 days 2,598 sqft
    2021-09-01 35 days 2,517 sqft
    2021-10-01 35 days 2,558 sqft
    2021-11-01 37 days 2,544 sqft
    2021-12-01 40 days 2,487 sqft
    2022-01-01 38 days 2,496 sqft
    2022-02-01 31 days 2,576 sqft
    2022-03-01 22 days 2,605 sqft
    2022-04-01 21 days 2,702 sqft
    2022-05-01 17 days 2,762 sqft
    2022-06-01 21 days 2,811 sqft
    2022-07-01 27 days 2,763 sqft
    2022-08-01 35 days 2,630 sqft
    2022-09-01 40 days 2,589 sqft
    2022-10-01 44 days 2,560 sqft
    2022-11-01 45 days 2,557 sqft
    2022-12-01 60 days 2,564 sqft
    2023-01-01 70 days 2,569 sqft
    2023-02-01 50 days 2,570 sqft
    2023-03-01 39 days 2,636 sqft
    2023-04-01 31 days 2,650 sqft
    2023-05-01 33 days 2,766 sqft
    2023-06-01 38 days 2,736 sqft
    2023-07-01 38 days 2,744 sqft
    2023-08-01 41 days 2,715 sqft
    Greeley's median listing age (time on market) for 2023-08-01 was 41 days. This is 16% longer than the same period one year ago.

    Greeley's median square footage for active listings during the 2023-08-01 period was 2,715 sqft. One year prior, the average listing was 2,630 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.