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 106 lenders originated 579 VA loans during 2023. The total origination value was $283,735,000, with an average VA loan value of $490,043.

    Greeley VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Greeley averaged 6.29% for the week of 2024-07-19, compared to the national average (all VA variants) of 6.303% for the same period.

    Greeley's average VA mortgage closing costs are $7,375.

    The average rate for the prior week (2024-07-12) was 6.13% and one month ago for the week of 2024-06-14, the average rate was 6.29%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2024-07-19, the average rate was 6.6%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 81 6.06% $9,982
    Mortgage Research Center, LLC 53 6.52% $8,842
    DHI MORTGAGE COMPANY, LTD. 35 5.26% $14,818
    LOANDEPOT.COM, LLC 32 6.09% $12,170
    QUICKEN LOANS, LLC 25 6.07% $15,523
    NAVY FEDERAL CREDIT UNION 21 5.69% $8,305
    PENNYMAC LOAN SERVICES, LLC 14 5.61% $9,052
    EAGLE HOME MORTGAGE, LLC 13 4.81% $4,600
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 6.53% $8,476
    CMG MORTGAGE, INC. 11 6.26% $13,535
    CROSSCOUNTRY MORTGAGE, LLC 11 6.63% $12,528
    HOMEAMERICAN MORTGAGE CORPORATION 10 5.40% $7,096
    GUARANTEED RATE, INC. 10 6.09% $4,368
    GROUP MORTGAGE, LLC 9 5.69% $9,416
    The Federal Savings Bank 9 6.49% $20,950
    Bank of Colorado 9 5.75% $14,177
    INSPIRE HOME LOANS INC. 9 5.33% $10,380
    FREEDOM MORTGAGE CORPORATION 9 6.38% $25,608
    V.I.P. MORTGAGE, INC. 7 6.09% $13,921
    AMERICAN FINANCING CORPORATION 7 5.71% $13,469
    USAA Federal Savings Bank 7 5.82% $14,167
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.58% $9,369
    CORNERSTONE HOME LENDING, INC. 6 5.33% $6,757
    Elevations Credit Union 6 6.13% $10,436
    NEWREZ LLC 5 6.40% $12,020
    American Mortgage & Equity Consultants, Inc. 5 6.78% $13,874
    CARDINAL FINANCIAL 5 6.90% $18,777
    BROKER SOLUTIONS, INC. 4 6.28% $7,454
    UNIVERSAL LENDING CORPORATION 4 6.63% $6,824
    U.S. Bank 4 6.03% $17,898
    PENTAGON FEDERAL CREDIT UNION 4 5.81% $16,869
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.50% $5,508
    NEW DAY FINANCIAL, LLC 3 6.79% $15,983
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.04% $2,183
    Bank of England 3 6.13% $8,504
    First Western Trust Bank 3 6.21% $7,364
    Plains Commerce Bank 3 5.42% $10,452
    GUILD MORTGAGE COMPANY 3 5.96% $17,353
    TOWNE MORTGAGE COMPANY 2 5.94% $5,947
    The Loan Store, Inc. 2 6.18% $11,001
    The Central Trust Bank 2 6.69% $8,839
    SECURITYNATIONAL MORTGAGE COMPANY 2 5.94% $10,729
    S1L, Inc. 2 6.25% $17,359
    Ameris Bank 2 6.38% $23,224
    VILLAGE CAPITAL MORTGAGE 2 5.88% $17,885
    Gateway First Bank 2 6.50% $2,892
    Wells Fargo Bank 2 6.00% $2,583
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.38% $16,896
    Paramount Residential Mortgage Group, Inc. 2 6.69% $4,113
    Century Mortgage Company DBA Century Lending Company 2 6.63% $1,609
    NFM, INC. 2 7.25% $10,504
    Magnolia Bank 2 5.75% $18,244
    NEST HOME LENDING, LLC 2 5.12% $1,884
    KBHS HOME LOANS, LLC 2 5.25% $9,830
    NBH Bank 2 5.75% $5,904
    Ent Credit Union 2 6.38% $13,882
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 5.63% $20,175
    MEGASTAR FINANCIAL CORP. 2 6.13% $11,603
    NATIONS DIRECT MORTGAGE, LLC 1 6.63% $7,485
    AMERISAVE MORTGAGE CORPORATION 1 5.63% $11,427
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $6,480
    Armed Forces Bank 1 6.13% $24,587
    Barrington Bank & Trust Company, N.A. 1 7.25% $11,257
    BOKF 1 7.13% $3,382
    BROOKHOLLOW MORTGAGE SERVICES, LTD 1 3.75% $4,648
    CALCON MUTUAL MORTGAGE LLC 1 7.63% $14,321
    CALIBER HOME LOANS, INC. 1 5.75% $29,645
    CENTENNIAL LENDING, LLC 1 6.50% $8,014
    Citizens Bank 1 5.38% $23,101
    Commerce Bank 1 6.13% $13,098
    DHA FINANCIAL, LLC 1 7.00% $9,633
    Equity Prime Mortgage LLC 1 6.75% $11,928
    EVERETT FINANCIAL, INC. 1 7.13% $5,250
    Financial Funding Solutions, Inc. 1 6.13% $23,506
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 6.88% $6,631
    First National Bank of Omaha 1 7.00% $14,077
    Flagstar Bank, FSB 1 6.99% $3,027
    Franklin Loan Corporation 1 7.13% $10,805
    GENEVA FINANCIAL, LLC 1 6.75% $11,818
    GREENSTATE CREDIT UNION 1 6.63% $29,129
    GUARANTEED RATE AFFINITY, LLC 1 7.13% $9,225
    HOMESIDE FINANCIAL, LLC 1 6.00% $15,231
    Independent Bank 1 6.75% $12,508
    Ixonia Bank 1 6.50% $8,355
    JET HOMELOANS, LLC 1 5.75% $23,898
    Keystone Funding, Inc. 1 6.63% $11,433
    LADERA LENDING, INC. 1 6.63% $13,545
    LEADERONE FINANCIAL CORPORATION 1 6.13% $7,360
    MORTGAGEONE, INC. 1 7.00% $0
    MOVEMENT MORTGAGE, LLC 1 5.63% $10,226
    Mr. Cooper ( Nationstar Mortgage ) 1 6.63% $13,513
    ACADEMY MORTGAGE CORPORATION 1 4.75% $12,517
    NBKC BANK 1 5.63% $2,197
    Neighborhood Loans, Inc. 1 5.63% $9,674
    NORWICH COMMERCIAL GROUP, INC. 1 7.13% $10,508
    Peak Financial 1 6.75% $1,187
    PHH Mortgage Corporation 1 7.00% $9,428
    PLAZA HOME MORTGAGE, INC. 1 5.25% $24,725
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.75% $19,988
    RELIANCE FIRST CAPITAL, LLC 1 7.25% $11,309
    Servion, Inc. 1 7.38% $2,694
    SUMMIT FUNDING, INC. 1 7.25% $4,476
    SUN WEST MORTGAGE COMPANY, INC. 1 6.25% $14,872
    THRIVE MORTGAGE, LLC 1 5.99% $8,222
    VAN DYK MORTGAGE CORPORATION 1 6.13% $4,208
    ZILLOW HOME LOANS, LLC 1 6.75% $2,663

    The top Greeley VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 81 VA loans originated. Their average total fees are $9,982, which is $1,139 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Greeley VA lenders (with over 10 loans originated) are GUARANTEED RATE, INC. ($4,368), EAGLE HOME MORTGAGE, LLC ($4,600), HOMEAMERICAN MORTGAGE CORPORATION ($7,096), NAVY FEDERAL CREDIT UNION ($8,305) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($8,476).

    The lowest rate Greeley VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.81%), DHI MORTGAGE COMPANY, LTD. (5.26%), HOMEAMERICAN MORTGAGE CORPORATION (5.40%), PENNYMAC LOAN SERVICES, LLC (5.61%) and NAVY FEDERAL CREDIT UNION (5.69%).

    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.